Certificate Accounts

The longer you invest, the more your money grows.

Choose your savings window and experience strong returns.

Higher earnings
Variety of savings terms
Tiered Dividend Rates

Certificate Accounts guarantee your savings will grow

You've set some ambitious long-term savings goals. Sometimes risky investments aren't the best option. When you need a guaranteed rate of return, a Certificate Account is the safest answer. You can set aside money for six months, five years, or somewhere in between. With guaranteed returns (as long as you don't make an early withdrawal), you will end up with more money than when you started.

  • Certificate Accounts range from six months to five years
  • Dividends exceed those of most traditional savings accounts
  • Generally, the longer the term, the higher the dividends
  • Minimum opening deposit of $1,000
  • With our Certificate Account tiers, larger balances can earn higher returns

Certificate Account Dividends

Product APY1 Dividend Rate Daily Balance
6 Month Certificate Account 0.25% 0.25% $1,000 to $9,999
6 Month Certificate Account 0.35% 0.35% $10,000 to $49,999
6 Month Certificate Account 0.40% 0.40% $50,000 to $99,999
6 Month Certificate Account 0.45% 0.45% $100,000 and up
12 Month Certificate Account & IRA 0.35% 0.35% $1,000 to $9,999
12 Month Certificate Account & IRA 0.45% 0.45% $10,000 to $49,999
12 Month Certificate Account & IRA 0.50% 0.50% $50,000 to $99,999
12 Month Certificate Account & IRA 0.55% 0.55% $100,000 and up
24 Month Certificate Account & IRA 0.50% 0.50% $1,000 to $9,999
24 Month Certificate Account & IRA 0.60% 0.60% $10,000 to $49,999
24 Month Certificate Account & IRA 0.65% 0.65% $50,000 to $99,999
24 Month Certificate Account & IRA 0.70% 0.70% $100,000 and up
36 Month Certificate Account & IRA 0.65% 0.65% $1,000 to $9,999
36 Month Certificate Account & IRA 0.75% 0.75% $10,000 to $49,999
36 Month Certificate Account & IRA 0.80% 0.80% $50,000 to $99,999
36 Month Certificate Account & IRA 0.85% 0.85% $100,000 and up
48 Month Certificate Account & IRA 0.75% 0.75% $1,000 to $9,999
48 Month Certificate Account & IRA 0.80% 0.80% $10,000 to $49,999
48 Month Certificate Account & IRA 0.85% 0.85% $50,000 to $99,999
48 Month Certificate Account & IRA 0.90% 0.90% $100,000 and up
60 Month Certificate Account & IRA 0.85% 0.85% $1,000 to $9,999
60 Month Certificate Account & IRA 0.90% 0.90% $10,000 to $49,999
60 Month Certificate Account & IRA 0.95% 0.95% $50,000 to $99,999
60 Month Certificate Account & IRA 1.00% 1.00% $100,000 and up

Michigan First is a full-service credit union with branches that are easily accessible around Metro Detroit, Grand Rapids and mid-Michigan.