We want to help you build your savings while enjoying everyday adventures! Open a Certificate of Deposit and start saving with rates and terms that fit every one's needs.

Term Certificates

A term certificate allows you to choose the length of time to invest your money for. CFCU offers term certificates from 6 months to 5 years. 

Save to Win

Save to Win is a 12-month certificate of deposit that builds savings while also giving you the chance to win thousands of cash prizes monthly and several $5,000 cash prizes quarterly each year! For every $25 deposited into this certificate you are entered for a chance to win cash prizes each month. Plus, you collect interest on all the money you deposit!


  • 10 monthly prizes from CFCU ranging from $25-$100
  • 48 quarterly prizes from $100 to $5,000
  • 175 monthly prizes of $25 each from the Michigan Credit Union League

Complete Save to Win Rules


Super Saver

With a Super Saver Certificate, all you need is $500 and one year until maturity. The best part is that during the term you can make additional deposits of at least $50. 

Open a certificate today and you can be a Super Saver too!


Effective October 21, 2021

Certificates of Deposit

Term Dividend Rate APY* Minimum Balance
6 Month 0.25% 0.25% $1,000
12 Month Super Saver Certificate** 0.40% 0.40% $500
12 Month Save To Win Certificate*** 0.50% 0.50% $25
12 Month Youth Certificate 0.45% 0.45% $250
12 Month 0.45% 0.45% $1000
18 Month 0.50% 0.50% $1000
24 Month 0.60% 0.60% $1,000
36 Month 0.70% 0.70% $1,000
48 Month 0.85% 0.85% $1,000
60 Month 1.24% 1.25% $1,000

*APY = Annual Percentage Yield. APY is not variable and will not change after the certificate is opened. **Additional Super Saver deposits not to exceed $50,000 in aggregate per Certificate. Maximum number of Super Saver Certificates is limited to TWO per Social Security number. *** Additional deposits can be made throughout the term of the certificate. Maximum number of Save To Win Certificates is limited to ONE per Social Security number. See full disclosures for specific Save To Win CD details. CD Early Withdrawal Penalties:
   -   CDs with a maturity of 12 months or less: the penalty will be equal to 90 days interest (whether earned or not);
   -   CDs with a maturity of 18, 24, 36, or 48 months: the penalty will be 180 days interest (whether earned or not);
   -   CDs with a maturity of 60 months or more: the penalty will be one year of interest (whether earned or not);
   -   Twelve Month Save To Win CDs: the penalty will be equal to $25.
Note: If the interest penalty exceeds the interest earned, the difference shall be deducted from the principal amount.
The dividend rate is subject to change without notice.
See our Fee Schedule for other fees that may be assessed with your savings account.
**Early withdrawal penalties may apply. Please see our Disclosures for complete disclosure information. Interest is computed daily and is paid monthly or at maturity. Additional deposits during term are limited to $50,000.00.

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