Skip to content
Community Choice/Certificates of Deposit

Certificates of Deposit

Earn 4.25% APY* on a 7-month CD

  • Easy account opening and funding options
  • Flexible terms for your convenience
  • Start earning on as little as $500
Open an account
See rates
Already a member? Open a CD in e-Banking

Build on a risk-free investment

With convenient, flexible CD options that let you choose your deposit amount and select your term length, you can set, track, and effortlessly achieve your goals.

Earn maximum interest with ease and security–no market risks, just reliable growth

Start earning effortlessly with a short-term certificate for as little as $500

Choose the deposit amount and timeline that fit your goals

No market fluctuations, just steady, reliable, growth on your deposit

Certificates of Deposit Rates*

Helping our neighbors bank smart and live well

04.8Stars on Google

0K46.5KTotal Volunteer Hours

$0M1.6MScholarships Given

090Years of Service

Building better community, one member at a time

We know that when our members are living well and enjoying healthier finances, our communities are better off. That’s why we offer smart solutions and great banking benefits.

Become a member

Get paid early with Express Pay

Enjoy 24/7 account access and support

Upgrade your financial wellness with Choice Map

Stay local with 20+ member centers in Michigan and 30K+ fee-free ATMs nationwide

Hear from happy members

  • “This is our second auto loan with CCCU in the past 4 years and we couldn’t be happier with the service received from everyone that we had dealt with. Keep up the great work.” Lucien D.
  • “I should have joined Community Choice Credit Union a long time ago!! Everyone there is so friendly and professional. Keep up the good work.” Sylvia T.
  • “Absolutely wonderful service! The people I’ve spoken to are reliable, understanding, positive and helpful! They have solved everything I’ve had questions about in the kindest way! Thank you!” Ariel M.
  • “I have been with Community Choice for 35 years I would recommend anyone and everyone to be able to experience my appreciation and good quality service from these great people. Again, thank you for your service.” Patricia S.

Dependable growth

  • Enjoy a safe and secure investment
  • Choose and lock in your terms
  • Sit back and see guaranteed returns

Certificates of deposit are a safe and smart way to put away money and build savings to meet future financial goals like college, retirement, or a new car. Let’s get your rate and term locked in today!

Open an account
Make an appointment

*APY=Annual Percentage Yield. Rates subject to change at any time. For more information, please refer to our Account Agreements and Disclosures.
SPECIAL 15-Month Certificate
$500 minimum—no maximum. Penalty for early withdrawal applies. Special rate subject to change at any time without notice.

SPECIAL 25-Month Certificate
$500 minimum—no maximum. Penalty for early withdrawal applies. Special rate subject to change at any time without notice.

3-Month Certificate
$500.00 minimum – no maximum. Penalty for early withdrawal applies. 3 month term subject to a 30 day dividend penalty.

6-Month Certificate
$500.00 minimum – no maximum. Penalty for early withdrawal applies. 6 month term subject to a 60 day dividend penalty.

1-Year Certificate
$500.00 minimum – no maximum. Penalty for early withdrawal applies. 1 year term subject to a 90 day dividend penalty.

2-Year Certificate
$500.00 minimum – no maximum. Penalty for early withdrawal applies. 18 months or greater terms subject to a 180 day dividend penalty.

3-Year Certificate
$500.00 minimum – no maximum. Penalty for early withdrawal applies. 18 months or greater terms subject to a 180 day dividend penalty.

4-Year Certificate
$500.00 minimum – no maximum. Penalty for early withdrawal applies. 18 months or greater terms subject to a 180 day dividend penalty.

5-Year Certificate
$500.00 minimum – no maximum. Penalty for early withdrawal applies. 18 months or greater terms subject to a 180 day dividend penalty.