Michigan Best CD Rates October 2026

VIP Bonus Rate; includes 0.25% VIP Relationship Reward Bonus

First Tier APY; Early withdrawals subject to penalties

Jumbo; Valid Thru 10/18/2026

VIP Relationship Reward Bonus; VIP Bonus Rate 3.35%; VIP Bonus APY 3.40%

Interest Period Compounded & Credited: Quarterly

Interest Period Compounded & Credited: Quarterly

Autopay Discount: 0.25%

Valid Thru 10/18/2026

Rates effective 10/1/2026; Rates are based on the term selected and on where purchased; Penalty for early withdrawal

Dividend Rate (Interest) 3.11%; APY 3.15%

You are solely responsible for complying with any requirements including transaction limitations and penalties for early withdrawal under the Internal Revenue Code or other applicable Federal or State law governing any IRA or other Credit Union accounts.; Term Share, Youth, IRA, & HSA Certificates

Regular term CDs allow additional add on deposits.; Term Share, Youth, IRA, & HSA Certificates

Dividend rate for $500 and up

Dividends Paid: At Maturity; Penalties: 90 days*

Balance: $250,000 and up

Balance: $150,000 - $249,000

Balance: $100,000 - $149,000

Balance: $500 - $99,999

Certificate Rates effective Monday, October 12, 2026; CD rates reflect the same rates for IRA CDs

Effective Date: Tuesday, October 13th, 2026

Limited Time 3-Month and 6-Month Share Certificates available on new Certificates. This is a promotional yield. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity.

Maximum balance: $250,000.00; Interest must be transferred to share account

Term: 6 months - FEATURED RATE

Individual accounts only

Youth certificate

Up to 90 day penalty for early withdrawal; Maximum deposits to a Regular or IRA Certificate capped at $250,000 per member

IRA; Up to 90 day penalty for early withdrawal; Maximum deposits to a Regular or IRA Certificate capped at $250,000 per member

Loss of 30 days interest for early redemption. Funds currently on deposit at Kalsee Credit Union not eligible. Platinum or VIP Perks +0.25% = 4.25% APY.

Balance: $1,000 to $24,999

Balance: $1,000 to $24,999

0.10% APY bonus earned if you also have a M1 Premier Checking Account; for members under 18 the required minimum balance on all CDs is $100.00; a penalty may be assessed for early withdrawals

Members under 18: minimum balance $100.00; 0.10% APY bonus if also holding M1 Premier Checking; early withdrawal penalty may apply

Certificates section; printed as '*CD SPECIAL!* - 4.00% APY* - 6 month term *3.93% APR'

CD Special; 3.93% APR

APY as high as (with loyalty benefits qualification)

Dividends post at certificate maturity; Maximum Balance: $1,000,000 per member; Withdrawal before maturity subject to penalty

IRA Certificate; Rates effective as of 10/12/2026; NCUA-insured: Yes

Jumbo; Valid Thru 10/18/2026

Certificate Rates effective Monday, October 12, 2026; CD rates reflect the same rates for IRA CDs

Minimum balance of $1000 required to open. Dividends are paid monthly.

APY includes .25% bonus for Meijer Team members, Meijer retirees and current MCU members

Certificate special; will not renew at end of term. Penalty may be imposed for early withdrawal.