Make tomorrow brighter by

investing in CDs today.

Certificates of Deposit-Regular & IRA

Looking for a no-risk investment for your savings? Check our rates and terms on a Certificate of Deposit. Available in 6, 12, 23, 24, 36, 48 and 60 month terms, with a minimum deposit of only $200 gets you a great rate and a guaranteed return on your investment. CDs are easy, secure, and net a higher return when you invest for a longer term. Our CDs are insured up to $250,000 for added security.

To open your Certificate of Deposit, call us at 313.568.5000.

Effective Date: May 27, 2025

Term	Rate	APY*	Minimum Balance
6 Month	3.96%	4.00%	$200.00
12 Months	3.45%	3.50%	$200.00
12 Months Save to Win	2.97%	3.00%	$25.00
23 Month Special**	4.23%	4.30%	$200.00
24 Months	2.72%	2.75%	$200.00
48 Month Special**	3.94%	4.00%	$200.00
36 Months	2.48%	2.50%	$200.00
60 Months	2.23%	2.25%	$200.00

*APY = Annual Percentage Yield. There will be a penalty for early withdrawal.
**APY=Annual Percentage Yield. New Money Only. Minimum deposit is $200. Early withdrawal penalties will apply. Upon maturity, your 23 month CD will automatically renew at the 24 month CD rate at that time. Upon maturity your 48 month CD will automatically renew at 36 month CD rate at that time. Jumbo CD bump is excluded from this 23, and 48 month special. Offer can end at any time.

Important Information:
Jumbo CD & IRA over $100,000.00 add 0.05% to all terms – minimum balance $100,000.00.
23 Month CD Renews at 24 Month
48 month CD renews at 36 Month

Legacy CD

The Legacy CD is designed to provide a flexible financial savings option for loved ones of deceased members at DMCU, offering a higher interest rate than a standard savings account. This product aims to support beneficiaries, joint account owners, or representatives during a transitional period. As your credit union, we are here to help you as you navigate through these difficult times.*

The Legacy CD is a 12-month Certificate of Deposit.
During the 12-month period, account holders can make two withdrawals and two additional deposits without penalty.

Term	APY*	Minimum Balance
12 Months	5.15%	$5,000.00

*APY = Annual Percentage yield. Legacy CDs are for those who are opening an account after a member passes away. These funds must have been on deposit at Diversified Members Credit Union at the time of death. The individual opening a Legacy CD must be a representative, beneficiary or joint owner of the descendant’s account and must qualify for membership. Account holders can make two withdrawals without penalty. On the third withdrawal the account will be assessed a penalty, and it will be closed. Min deposit is $5,000 and Max deposit is $1,000,000.

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