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, 13, 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: November 30, 2024

Term	APR*	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
13 Month Special**	4.42%	4.50%	$200.00
24 Months	2.72%	2.75%	$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.
*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.

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

13 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.

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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