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Michigan Educational rates: up to 4.00% APY

credit union · NCUA CHARTER 60931 · www.michedcu.org/

Savings

ProductTerm / tierRateBasisRecordedHistoryChange
Christmas Clubrates dated 1 Aug 2026 0.20%APY2026-11-01 since 2026-11-01
Individual Retirement Account (IRA)rates dated 1 Aug 2026 0.25%APY2026-11-01 since 2026-11-01
Regular Share Savingsrates dated 1 Aug 2026 0.20%APY2026-11-01 since 2026-11-01
Vacation Clubrates dated 1 Aug 2026 0.20%APY2026-11-01 since 2026-11-01

CDs

ProductTerm / tierRateBasisRecordedHistoryChange
3-Month CD91 Days 2.50%APY2026-11-01 since 2026-11-01
IRA Share Certificates91 Days · rates dated 1 Aug 2026 2.50%APY2026-11-01 since 2026-11-01
6-Month CD182 Days · rates dated 1 Aug 2026 3.50%APY2026-11-01 since 2026-11-01
IRA Share Certificates182 Days · rates dated 1 Aug 2026 3.50%APY2026-11-01 since 2026-11-01
1-Year CD365 Days 4.00%APY2026-11-01 since 2026-11-01
IRA Share Certificates365 Days · rates dated 1 Aug 2026 4.00%APY2026-11-01 since 2026-11-01
18-Month CD18 Months 3.30%APY2026-11-01 since 2026-11-01
IRA Share Certificates18 Months · rates dated 1 Aug 2026 3.30%APY2026-11-01 since 2026-11-01
2-Year CD24 Months · rates dated 1 Aug 2026 3.40%APY2026-11-01 since 2026-11-01
IRA Share Certificates24 Months · rates dated 1 Aug 2026 3.40%APY2026-11-01 since 2026-11-01
30-Month CD30 Months · rates dated 1 Aug 2026 3.50%APY2026-11-01 since 2026-11-01
IRA Share Certificates30 Months · rates dated 1 Aug 2026 3.50%APY2026-11-01 since 2026-11-01
3-Year CD36 Months · rates dated 1 Aug 2026 3.65%APY2026-11-01 since 2026-11-01
IRA Share Certificates36 Months · rates dated 1 Aug 2026 3.65%APY2026-11-01 since 2026-11-01
4-Year CD48 Months · rates dated 1 Aug 2026 3.75%APY2026-11-01 since 2026-11-01
IRA Share Certificates48 Months · rates dated 1 Aug 2026 3.75%APY2026-11-01 since 2026-11-01
5-Year CD60 Months · rates dated 1 Aug 2026 3.85%APY2026-11-01 since 2026-11-01
IRA Share Certificates60 Months · rates dated 1 Aug 2026 3.85%APY2026-11-01 since 2026-11-01

Checking

ProductTerm / tierRateBasisRecordedHistoryChange
Share Draft/Checkingrates dated 1 Aug 2026 0.02%APY2026-11-01 since 2026-11-01

Sources and evidence

PageLast capturedLast resultDigest
www.michedcu.org/checking-and-savings/deposit-rates2026-11-01 22:05 UTC okc3c220cf0df7
www.michedcu.org/share-certificates2026-11-01 22:05 UTC ok55029a8e9a52
www.michedcu.org/rates— extract-failed