Deposit Rates | Michigan United Credit Union

Effective Sunday, January 23, 2022

Certificate Rates

CERTIFICATE TERM	APY	MINIMUM DEPOSIT
2 Month CD⁺	0.10%	$500.00
2 Month CD⁺	0.15%	$10,000.00
6 Month CD^*	0.25%	$500.00
6 Month CD^*	0.30%	$10,000.00
1 Year CD^*	0.40%	$500.00
1 Year CD^*	0.45%	$10,000.00
2 Year CD^*	0.65%	$500.00
2 Year CD^*	0.70%	$10,000.00
3 Year CD^*	0.70%	$500.00
3 Year CD^*	0.75%	$10,000.00
4 Year CD^*	0.75%	$500.00
4 Year CD^*	0.80%	$10,000.00
2 Month IRA CD^*	0.10%	$500.00
2 Month IRA CD^*	0.15%	$4,000.00
6 Month IRA CD^*	0.25%	$500.00
6 Month IRA CD^*	0.30%	$4,000.00
1 Year IRA CD^*	0.40%	$500.00
1 Year IRA CD^*	0.45%	$4,000.00
2 Year IRA CD^*	0.65%	$500.00
2 Year IRA CD^*	0.70%	$4,000.00
3 Year IRA CD^*	0.70%	$500.00
3 Year IRA CD^*	0.75%	$4,000.00
4 Year IRA CD^*	0.75%	$500.00
4 Year IRA CD^*	0.80%	$4,000.00

NO COMPOUNDING OF CERTIFICATE INTEREST WHEN TRANSFER OPTION CHOSEN. (APY WILL NOT APPLY)

*Penalty for early withdrawal 90 days interest. Penalty may reduce principal.
+Penalty for early withdrawal 60 days interest 0.45%

Current Dividends

Savings Rates

ACCOUNT TYPE	APY	MINIMUM DEPOSIT	MINIMUM BALANCE
Regular Savings	0.01%	$5.00	$5.00
Secondary Savings	0.01%	$0.00	$0.00
Christmas Savings	0.01%	$0.00	$0.00
Vacation Savings	0.01%	$0.00	$0.00
Checking	0.000%	$0.00	$0.00
Business Checking	0.000%	$0.00	$0.00
Health Savings Account	0.05%	$0.00	$0.00
Individual Retirement Accounts	0.10%	$0.00	$0.00
Individual Retirement Accounts	0.15%	$0.00	$25,000.00

ACCOUNT TYPE	Current	APY	MINIMUM DEPOSIT
Super Saver	0.01%	0.01%	Below $2,500
Super Saver	0.05%	0.05%	$2,500 – $24,999
Super Saver	0.07%	0.07%	$25,000 – $99,999
Super Saver	0.10%	0.10%	$100,000 – $499,999
Super Saver	0.15%	0.15%	Over $500,000

Rates are Annual Percentage Yield CALCULATED DAILY / PAID & COMPOUNDED MONTHLY. We may change dividend rate for your account as determined by the Credit Union board of directors. Fees may reduce earnings on accounts 0.05%