--- title: "Best Financial Credit Union Rates (Nov 2026): CDs to 3.75%" description: "Best Financial Credit Union rates today: savings & CDs up to 3.75% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Best Financial Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/michigan/best-financial" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Best Financial Credit Union Rates (Nov 2026): CDs to 3.75% ### Savings & CD rates 26 offers | Product | Published | Rate | Term / condition | Status | | **Bright Savings* (All balances if qualifications not met)** savings | 0.05% APY | 0.05% | — | Standard | | **Easy Access Money Market ($1,150 - $2,499)** money_market | 0.15% APY | 0.15% | — | Standard | | **Regular Savings** savings | 0.15% APY | 0.15% | — | Standard | | **Sub Share Savings** share_savings | 0.15% APY | 0.15% | — | Standard | | **Any Reason for All Seasons** savings | 0.25% APY | 0.25% | — | Standard | | **IRA** ira | 0.60% APY | 0.60% | — | Standard | | **Easy Access Money Market ($2,500 - $7,499.99)** money_market | 1.20% APY | 1.19% | — | Standard | | **Easy Access Money Market ($7,500.00 - $24,999.99)** money_market | 1.30% APY | 1.29% | — | Standard | | **Easy Access Money Market ($25,000.00 - $49,999.99)** money_market | 1.50% APY | 1.49% | — | Standard | | **Bright Savings* ($50,000+)** savings | 1.75% APY | 0.25% | — | Standard | | **Easy Access Money Market ($50,000.00 - $249,999.99)** money_market | 1.75% APY | 1.74% | — | Standard | | **Bright Savings* (0 to $50,000)** savings | 1.75% APY | 1.74% | — | Standard | | **Easy Access Money Market ($250,000 or more)** money_market | 1.75% APY | 1.74% | — | Standard | | **6-Month IRA Certificate** ira_cd_6mo | 3.00% APY | 2.97% | 6 mo | Standard | | **6-Month Certificate** cd_6mo | 3.00% APY | 2.97% | 6 mo | Standard | | **12-Month Certificate** cd_12mo | 3.50% APY | 3.45% | 12 mo | Standard | | **60-Month IRA Certificate** ira_cd_60mo | 3.50% APY | 3.45% | 60 mo | Standard | | **48-Month IRA Certificate** ira_cd_48mo | 3.50% APY | 3.45% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | 3.50% APY | 3.45% | 60 mo | Standard | | **48-Month Certificate** cd_48mo | 3.50% APY | 3.45% | 48 mo | Standard | | **24-Month Certificate** cd_24mo | 3.50% APY | 3.45% | 24 mo | Standard | | **24-Month IRA Certificate** ira_cd_24mo | 3.50% APY | 3.45% | 24 mo | Standard | | **12-Month IRA Certificate** ira_cd_12mo | 3.50% APY | 3.45% | 12 mo | Standard | | **36-Month IRA Certificate** ira_cd_36mo | 3.75% APY | 3.70% | 36 mo | Standard | | **36-Month Certificate** cd_36mo | 3.75% APY | 3.70% | 36 mo | Standard | | **Certificates of Deposit (CDs) (12 Month Super Kids)** cd_12mo | 5.00% APY | 4.91% | 12 mo | Eligibility restricted | Best Financial Credit Union savings & cd rates as of November 12, 2026 Savings and certificate yields up to 3.75% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/michigan/best-financial) , verified from [Best Financial Credit Union's official website](https://www.bestfinancialcu.org/) Loading branch locator… ## About Best Financial Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 12.9K Assets $156.1M Founded 1955 Locations reported 2 NCUA charter 62027 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Financial counseling - Financial education - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Community Choice** 04 Harvey Street · Muskegon · MI · 49444-3406 Branch in the same ZIP](https://rateapi.dev/credit-unions/michigan/community-choice) [**Consumers** Muskegon · Muskegon · MI · 49444-1822 About 2.0 miles away](https://rateapi.dev/credit-unions/michigan/consumers) [**Lake Michigan** Norton Shores · Muskegon · MI · 49444-7763 About 2.1 miles away](https://rateapi.dev/credit-unions/michigan/lake-michigan) [**Service 1** Service 1 FCU · Norton Shores · MI · 49444-1807 About 2.1 miles away](https://rateapi.dev/credit-unions/michigan/service-1) [**Michigan Coastal** 5906 Commerce · Muskegon · MI · 49444-7870 About 2.1 miles away](https://rateapi.dev/credit-unions/michigan/michigan-coastal) [**Route 31** Laketon Avenue Branch · Muskegon · MI · 49442 About 2.9 miles away](https://rateapi.dev/credit-unions/michigan/route-31) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Best Financial Credit Union Membership eligibility from Best Financial Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Community charter: live/work in Muskegon, Ottawa, Oceana +2 more, MI - Location Muskegon, Ottawa, Oceana, Newaygo, Kent — MI **Cost to join:** About $5. Verified from [Best Financial Credit Union's membership page](https://www.bestfinancialcu.org/about/become-a-member.html) . Final membership determination is always made by the credit union. ## Work at Best Financial Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Best Financial Credit Union ranks against Michigan peers. - See which AI assistants fetched Best Financial Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Michigan - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=best-financial&state=michigan&code=MI&name=Best%20Financial%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Best Financial Credit Union offer? Best Financial Credit Union is a credit union in Michigan. Rate data is currently being verified. ### How often are Best Financial Credit Union rates updated? RateAPI verifies Best Financial Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Best Financial Credit Union's rate data? Rate data is collected directly from Best Financial Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Best Financial Credit Union's best CD rate? As of November 12, 2026, Best Financial Credit Union offers savings and certificate (CD) yields up to 3.75% APY. ### Who can join Best Financial Credit Union? Community charter: live/work in Muskegon, Ottawa, Oceana +2 more, MI ## Related Rate Data Compare Best Financial Credit Union's rates against national credit-union benchmarks. [More Michigan credit unions](https://rateapi.dev/credit-unions/michigan) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.bestfinancialcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Best Financial Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Michigan credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Best Financial Credit Union curl "https://api.rateapi.dev/credit-unions/michigan /best-financial " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Best Financial Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/michigan/best-financial Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp