All DMCU branches will be closed Wednesday, June 19, in observance of Juneteenth. We will reopen with normal business hours on Thursday, June 20.

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, 9, 10, 12, 24, 36, 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: June 1, 2024

TermAPR*APY*Minimum Balance
6 Month3.22%3.25%$200.00
9 Month Special**5.05%5.15%$200.00
10 Month Special***5.29%5.40%$200.00
12 Months3.45%3.50%$200.00
12 Months Save to Win2.97%3.00%$25.00
24 Months2.62%2.65%$200.00
36 Months2.72%2.75%$200.00
60 Months2.97%3.00%$200.00

*APY = Annual Percentage Yield. There will be a penalty for early withdrawal.
*APR = Annual Percentage Rate.

** One Special CD per member. Maximum deposit per CD account type is $500,000. Early withdrawal penalties will apply. Limited Time Offer. Offer may end at any time. Member NCUA.
*** New Money Only. Jumbo CD bump is excluded from this 10-month special. Maximum deposit per CD account type is $250,000. Early withdrawal penalties will apply. Limited Time Offer. Offer may end at any time. Member NCUA.


Important Information:
Jumbo CD & IRA over $100,000.00 add 0.05% to all terms – minimum balance $100,000.00.

  • 9 month CD renews at the 12 month CD rate at the point in time it renews. Rates may change.



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.


TermAPY*Minimum Balance
12 Months5.15%$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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Come on over and share the wealth with thousands of other members through rewards, low rates, and making financing a breeze.

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