4.50% APY for 12 months Grow CD graphic
4.50% APY* 12-month Grow CD
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Take advantage of this special rate and watch your savings grow faster.

Features:

  • 4.50% APY*, 12-month CD rate special
  • Invest as little as $1,000 up to $250,000
  • Limit one per credit union member
  • New money only
  • Personal, trusts, IRAs and businesses only; municipalities not eligible
4.00% APY** Business Money Market
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Put your business funds to work with a high-yield money market account.

Features:

  • 4.00% APY** Business Money Market Account
  • Invest as little as $2,500 up to $250,000
  • Limit one per credit union member
  • New money only
  • Businesses only; municipalities not eligible

*APY = Annual Percentage Yield. APY is accurate as of November 10, 2026. $1,000 opening deposit and minimum balance required. $250,000 maximum deposit per member. Municipal funds and funds currently on deposit with Consumers are not eligible. CD must be opened in-person at one of our Grand Rapids, Lansing, Muskegon, Grand Haven, Battle Creek, Coldwater, Galesburg or Marshall (when opened) offices or requested through the form above. Withdrawals prior to maturity are subject to an early withdrawal penalty fee. Fees may reduce earnings. Limit one promotional account per member number. Federally insured by NCUA.


**APY = Annual Percentage Yield. Promotional product is available and rates are accurate as of 5/2/25. Rates are variable and subject to change at any time without notice. During the first 12 months, accounts with a minimum balance of $2,500 and a maximum of $1,000,000 will earn 4.00% APY. Balances of $1,000,000.01 or more will earn 0.10% APY. After 12 months, the account will earn the rate paid on our standard Business Money Market product (refer to the rates page for additional details). Must apply for an account in-person at a Consumers office. Municipal funds and funds currently on deposit at Consumers Credit Union are not eligible for the promotion. Limit one promotional account per tax ID number. Offer expires 12/31/2025. Fees may reduce earnings. Consumers Credit Union is federally insured by NCUA.