To celebrate Member Appreciation Week (Oct 13–18, 2025), we’re offering a 5-Month CD Special Rate at 4.50% APY. Short enough to stay flexible, strong enough to matter. Minimums apply; early-withdrawal penalties reduce earnings.
5-Month CD Special: Lock 4.50% APY During Member Appreciation Week (Oct 13–18, 2025)
Member Appreciation Week calls for a member-worthy rate. For a limited time, open our 5-Month CD Special at 4.50% APY and give your savings a guaranteed boost short enough to stay flexible, strong enough to matter.
Open the 5-Month CD Special | See All CD Options
Why Savers Like This Special
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- 4.50% APY, fixed for 5 months: Make some quick cash fast.
- Short term, real yield: A smart park for cash you won’t need until after the holidays.
- No monthly fees: Let the rate do the work.
- NCUA insured: Deposits federally insured to at least $250,000 per depositor.
Promo Window
October 13–18, 2025 only. Open during Member Appreciation Week to secure the promotional APY.
Who This Fits
- Short-term planners: Tuition, taxes, or early-2026 expenses on the horizon.
- Emergency Fund “Tier 2” savers: Keep day-to-day cash liquid and let this work in the background.
- Ladder builders: Slot a 5-month term between liquid savings and longer CDs.
How It Works
- Open & fund: Minimum opening deposit required (see details when opening).
- Earn: Your 4.50% APY is fixed for the 5-month term.
- At maturity: Withdraw, renew, or transfer your call.
How to Open
- Open Online: Start in minutes.
- Visit a Branch: Locations & Hours.
- Call Us: 248-263-4100
5-Month CD Special Rate FAQs
Is the rate guaranteed?
Yes. When you open and fund your CD between Oct. 13–18, your APY stays fixed for the entire 5-month term.
Can I withdraw early?
CDs work best when you hold them to maturity. If you take money out early, you’ll pay a penalty and reduce your earnings.
Is my money insured?
Yes. The NCUA insures deposits for at least $250,000 per depositor.
Do I have to be a member?
Yes. Membership and eligibility required to open. If you live, work, worship, or attend school in Michigan—or you’re related to a current member, you’re likely eligible.
Open the 5-Month CD Special | Compare All CD Terms
Compare CD Terms
5-Month CD Special
Oct 13–18 only
4.50% APY
Minimum to open: $500
Best for: short-term parking, holiday/early-2026 expenses, ladder slot
9-Month CD Special
4.00% APY
Minimum to open: $500
Best for: stronger yield with near-term access, ladder building
16-Month CD Special
3.90% APY
Minimum to open: $500
Best for: higher yield target with still-manageable term
APY = Annual Percentage Yield. Promotional APY for 5-Month CD Special available Oct 13–18, 2025 only and subject to change without notice. Early withdrawal penalties reduce earnings. See current disclosures for exact terms and penalties.
Disclosures: APY = Annual Percentage Yield. Promotional APY of 4.50% available October 13–18, 2025 and subject to change without notice. APY is fixed for the 5-month term once the account is opened and funded. Early withdrawal penalties apply and will reduce earnings. Minimum opening deposit and eligibility requirements apply. Membership required. Deposits are federally insured by the NCUA to at least $250,000 per depositor.
Looking for Current CD Rates at PDCU?
PDCU regularly offers competitive rates on Certificates of Deposit for eligible Michigan members. Here is where to find what is available right now.
See Current PDCU CD Rates and Terms
PDCU offers Certificates of Deposit across a range of terms for eligible Michigan members. Whether you want a short-term CD to keep your options open or a longer term for a stronger return, the current rates and available terms are on the CD product page. Rates are updated as they change.
Explore All Investment Savings Options
Not sure if a CD is the right fit? PDCU also offers money market accounts, high-yield money market accounts, IRA certificates, and Save to Win accounts for members who want to grow their savings with different levels of flexibility and access.
APY = Annual Percentage Yield. Rates on all savings and CD products are subject to change without notice. Early withdrawal penalties may apply to certificates. Minimum opening deposit and membership eligibility required. Federally insured by the NCUA. NMLS 776727. Equal Opportunity Lender. 5-Month CD Special Rate
