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3-Month CD: 3.99% APY1


Earn 3.99% APY1 on a 3-month UMCU CD with $500 in new money to get started. A short term, a strong rate, and an easy start by phone, online banking or at any branch.

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Kick Off Your Savings with 3.99% APY¹


  • Rate: 3.99% APY1
  • Term: 3 months
  • Minimum Deposit: $500 in new money
  • Availability: Limited time, starting October 1, 2026


Three months is all it takes. Open your today.

Schedule an Appointment

Why Open a CD with UMCU?

  • Locked-in rate: 3.99% APY¹ for the full 3-month term
  • Low minimum: Get started with $500 in new money
  • Federally insured by NCUA
  • Official Credit Union of Michigan Athletics

Ready to Lock In Your Rate?

Disclosures
INSURED BY NCUA.

13.99% Annual Percentage Yield (APY) applies to a 3-month term. $500 minimum balance required to open and earn APY. Offer starts 10/1/26. A penalty may be imposed for early withdrawal. Fees may reduce dividend earnings on the account. New money is defined as funds not currently on deposit with the Credit Union and not redeposited during the promotional period. Contact UMCU for complete details.