Saginaw, Michigan Best CD Rates September 2026

CD, Traditional IRA CD & Roth IRA CD Accounts

Compounded/Paid: Monthly / Monthly

APY=Annual Percentage Yield. Annual Percentage Yield is the total amount of dividend paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term share certificate or IRA. Rates are expressed as an annual percentage yield (APY) and are subject to change without notice.

Subsequent deposits are allowed. For minors 17 years of age or younger opening a 3, 6, or 12 month Share Certificate Account, the minimum balance requirement is $100.00 and subsequent deposits are allowed. Promotional share certificates are offered occasionally and have their own terms and conditions.

Min: $3,000,000 Max: $6,000,000

Min: $500,000 Max: $6,000,000

Limited Time 3 Month and 6 Month Share Certificates available on new Certificates. This is a promotional yield of 4.00% APY; Annual Percentage Yield (APY) is calculated on a 3.93% base rate. Yields are subject to change without notice. "Limited Time 3-Month and 6-Month" Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. $1,000.00 minimum balance, regular Share Certificate requirement on a 365-day basis compounding monthly or at account closure. 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 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity.

No minimum deposit.

High-Yield Rewards Checking Account required

For deposits of $1,000 to $99,999. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026.

Balance: $100

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 Share Certificates require a minimum balance of $50 to open. Regular term CDs allow additional add on deposits.; Term Share, Youth, IRA, & HSA Certificates

Compounded/Paid: Monthly / Monthly

APY=Annual Percentage Yield. Annual Percentage Yield is the total amount of dividend paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term share certificate or IRA. Rates are expressed as an annual percentage yield (APY) and are subject to change without notice.

Subsequent deposits are allowed on Youth Share Certificate Accounts with terms of 3, 6, or 12 months. For minors 17 years of age or younger opening a 3, 6, or 12 month Share Certificate Account, the minimum balance requirement is $100.00 and subsequent deposits are allowed. Promotional share certificates are offered occasionally and have their own terms and conditions.

VIP Bonus APY: 3.55%

Term: Hometown Hero 6 month

VIP Bonus APY: 3.40%

Balance: $250,000 and up

Balance: $150,000 - $249,000

Balance: $100,000 - $149,000

Balance: $500 - $99,999

CD, Traditional IRA CD & Roth IRA CD Accounts

CD, Traditional IRA CD & Roth IRA CD Accounts

CD, Traditional IRA CD & Roth IRA CD Accounts

CD, Traditional IRA CD & Roth IRA CD Accounts

CD, Traditional IRA CD & Roth IRA CD Accounts

($500 minimum)

Maximum deposit of $250,000.00 per member.

When paired with an Ultra Checking account, earn up to 4.05% APY for 6 months

Limited Time 3 Month and 6 Month Share Certificates available on new Certificates. This is a promotional yield of 4.00% APY; Annual Percentage Yield (APY) is calculated on a 3.93% base rate. Yields are subject to change without notice. "Limited Time 3-Month and 6-Month" Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. $1,000.00 minimum balance, regular Share Certificate requirement on a 365-day basis compounding monthly or at account closure. 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.

Substantial penalty for early withdrawals.

IRA - Individual accounts only

Substantial penalty for early withdrawals.

($500 minimum)

Balance: $250,000 and up

Balance: $150,000 - $249,000

VIP Bonus APY: 3.50%

Term: Hometown Hero 18 month

Balance: $100,000 - $149,000

Balance: $500 - $99,999

The 30 Month IRA CD is not eligible for rollover funds. Penalty for early withdrawal.

CD, Traditional IRA CD & Roth IRA CD Accounts

CD, Traditional IRA CD & Roth IRA CD Accounts

CD, Traditional IRA CD & Roth IRA CD Accounts

Penalty for early withdrawal.

CD, Traditional IRA CD & Roth IRA CD Accounts

CD, Traditional IRA CD & Roth IRA CD Accounts

Substantial penalty for early withdrawals.

IRA - Individual accounts only

$100,000 and Above; Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.

Penalty for early withdrawal.

Penalty for early withdrawal.

18 Month IRA CD*

Substantial penalty for early withdrawals.

We may impose a penalty if you withdraw funds before the maturity date.