Lock In Your Earnings. Grow With Confidence.

When you have money set aside for the future, you deserve a safe, predictable way to help it grow.

At Team One Credit Union, our Certificates of Deposit (CDs) offer competitive fixed dividend rates, flexible terms, and the peace of mind that comes from working with a local financial partner who puts members first.

Because when your savings grow, your confidence grows too.

CD Rates

What Is a Certificate of Deposit?

A Certificate of Deposit (CD) is a secure savings option that earns a fixed dividend rate for a specific period of time. Your rate is locked in for the full term — so your money grows steadily without market uncertainty.

Whether you're saving for a future purchase, building a financial cushion, or simply looking for higher returns than a traditional savings account, a CD can help you move forward with clarity.

Certificate of Deposit Account Features:

• $500 minimum opening deposit

• Terms from 3 to 62 months

• Fixed dividend rate for the full term

• No monthly maintenance fees

• No additional deposits during the CD term

• Funds can be used as collateral for a Certificate Secured Loan

• Early withdrawal penalties may apply

Why Choose a Team One CD?

• Competitive CD Rates in Michigan - Lock in strong returns with a fixed rate that will not fluctuate.
• Flexible Term Options - Choose a term from 3 to 62 months that aligns with your timeline and goals.
• Safe & Federally Insured - Your deposits are insured by the NCUA up to applicable limits.
• No Monthly Fees - Your money works for you — without unnecessary costs.
• Borrow Without Breaking Your CD - Need access to funds during your term? You may use your CD as collateral for a Certificate Secured Loan, helping you maintain your dividend earnings while accessing liquidity.