--- title: "Muskegon Credit Union Rates (Nov 2026): CDs to 4.32%" description: "Muskegon Credit Union rates today: savings & CDs up to 4.32% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Muskegon Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/michigan/muskegon" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Muskegon Credit Union Rates (Nov 2026): CDs to 4.32% ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **SHARED SECURED** personal_secured | — APR | 2.500% | — | Standard | | **REVOLVING LOC** personal | — APR | 15.000% | — | Standard | Muskegon Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 3 offers | Product | Published | Rate | Term / condition | Status | | **VISA- PLATINUM SCORECARD** credit_card_platinum | — APR | 7.900% | — | Standard | | **VISA-PLATINUM "B" Paper Grade** credit_card_platinum | — APR | 8.900% | — | Standard | | **VISA-PLATINUM "C" Paper Grade** credit_card_platinum | — APR | 10.900% | — | Standard | Muskegon Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 20 offers | Product | Published | Rate | Term / condition | Status | | **Return Rates** savings | — APY | 0.10% | — | Standard | | **$2,000-$19,999.99** savings | 1.26% APY | 1.25% | — | Context only | | **$20,000-$49,999.99** savings | 1.51% APY | 1.50% | — | Context only | | **$50,000 OR OVER** savings | 1.76% APY | 1.75% | — | Context only | | **6-Month Certificate** share_certificate_6mo | — APY | 3.00% | 6 mo | Standard | | **6-Month Certificate** share_certificate_6mo | 3.03% APY | 3.00% | 6 mo | Standard | | **48-Month Certificate** share_certificate_48mo | — APY | 3.50% | 48 mo | Standard | | **48-Month Certificate** share_certificate_48mo | 3.55% APY | 3.50% | 48 mo | Standard | | **Return Rates (3 YEAR)** cd_36mo | 3.55% APY | 3.50% | 36 mo | Context only | | **Return Rates (4 YEAR)** cd_48mo | 3.55% APY | 3.50% | 48 mo | Context only | | **60-Month Certificate** share_certificate_60mo | — APY | 3.65% | 60 mo | Standard | | **60-Month Certificate** share_certificate_60mo | 3.70% APY | 3.65% | 60 mo | Standard | | **Return Rates (5 YEAR)** cd_60mo | 3.70% APY | 3.65% | 60 mo | Context only | | **12-Month Certificate** share_certificate_12mo | — APY | 4.00% | 12 mo | Standard | | **12-Month Certificate** share_certificate_12mo | 4.06% APY | 4.00% | 12 mo | Standard | | **12 Month Youth Certificate * (1 YEAR)** share_certificate_12mo | 4.06% APY | 4.00% | 12 mo | Eligibility restricted | | **24-Month Certificate** share_certificate_24mo | — APY | 4.15% | 24 mo | Standard | | **24-Month Certificate** share_certificate_24mo | 4.22% APY | 4.15% | 24 mo | Standard | | **36-Month Certificate** share_certificate_36mo | — APY | 4.25% | 36 mo | Standard | | **36-Month Certificate** share_certificate_36mo | 4.32% APY | 4.25% | 36 mo | Standard | Muskegon Credit Union savings & cd rates as of November 12, 2026 ### Other rates 11 offers | Product | Published | Rate | Term / condition | Status | | **Return Rates (6 MONTH)** other | 3.030% % | 3.000% | — | Standard | | **Rates at a Glance** other | — % | 4.000% | — | Standard | | **36 MONTHS OR LESS** other | — % | 4.000% | — | Standard | | **Return Rates (1 YEAR)** other | 4.060% % | 4.000% | — | Standard | | **Return Rates (2 YEAR)** other | 4.220% % | 4.150% | — | Standard | | **Return Rates (3 YEAR)** other | 4.320% % | 4.250% | — | Standard | | **60 MONTHS OR LESS** other | 5.000% % | 5.500% | — | Standard | | **60 MONTHS OR LESS** other | — % | 5.000% | — | Standard | | **84 MONTHS $20,000 OR MORE** other | — % | 5.750% | — | Standard | | **96 TO 180 MONTHS $60,000 OR MORE** other | — % | 6.750% | — | Standard | | **60 MONTHS MAXIMUM** other | — % | 9.500% | — | Standard | Muskegon Credit Union other rates as of November 12, 2026 Savings and certificate yields up to 4.32% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/michigan/muskegon) , verified from [Muskegon Credit Union's official website](https://www.muskfedcu.com/) Loading branch locator… ## About Muskegon Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 5K Assets $80.9M Founded 1951 Locations reported 3 NCUA charter 7509 Charter type Federal credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial education - Credit-builder products 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. [**Family Financial** Main Office · Norton Shores · MI · 49441 About 1.3 miles away](https://rateapi.dev/credit-unions/michigan/family-financial) [**Consumers** Roosevelt Park · Muskegon · MI · 49441-4197 About 1.6 miles away](https://rateapi.dev/credit-unions/michigan/consumers) [**Service 1** Service 1 FCU/SB Branch · Muskegon · MI · 49441 About 1.8 miles away](https://rateapi.dev/credit-unions/michigan/service-1) [**Lake Michigan** Muskegon · Muskegon · MI · 49441 About 2.0 miles away](https://rateapi.dev/credit-unions/michigan/lake-michigan) [**Lakeshore** Lakeshore Federal Credit Union · Muskegon · MI · 49441-1414 About 2.4 miles away](https://rateapi.dev/credit-unions/michigan/lakeshore) [**Muskegon ST Joseph** Main Office · Muskegon · MI · 49441 About 2.6 miles away](https://rateapi.dev/credit-unions/michigan/muskegon-st-joseph) 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 Muskegon Credit Union Membership eligibility from Muskegon Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Muskegon Credit Union's website. Check the membership page below to confirm whether you qualify. - Location kent, muskegon — MI Verified from [Muskegon Credit Union's membership page](https://www.muskfedcu.com/accounts/how-to-join/) . Final membership determination is always made by the credit union. ## Membership rules for Muskegon Credit Union Geography 2 counties · Family 6 published paths to membership, last verified August 27, 2026, quoted from Muskegon Credit Union’s own published criteria. ### Geography 2 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified August 27, 2026 - Kent County, MI - Muskegon County, MI “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Kent County, MI; Muskegon County, MI” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member spouse, child, sibling, parent, grandchild, grandparent, step or adopted children “Have an Immediate Family Member that is currently a member. For membership purposes. “Immediate Family Member” is defined as spouse, child, sibling, parent, grandchild, and grandparents. This definition also includes step or adopted children.” > [source ↗](https://www.muskfedcu.com/accounts/how-to-join/) - Family member (spouse, child, sibling, parent, grandchild, grandparent, step or adopted children) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Muskegon Credit Union? Yes No ## Work at Muskegon 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 Muskegon Credit Union ranks against Michigan peers. - See which AI assistants fetched Muskegon 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=muskegon&state=michigan&code=MI&name=Muskegon%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Muskegon Credit Union offer? Muskegon Credit Union currently offers personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Muskegon Credit Union rates updated? RateAPI verifies Muskegon 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 Muskegon Credit Union's rate data? Rate data is collected directly from Muskegon 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 Muskegon Credit Union's best CD rate? As of November 12, 2026, Muskegon Credit Union offers savings and certificate (CD) yields up to 4.32% APY. ### Who can join Muskegon Credit Union? Muskegon Credit Union publishes its membership criteria on its own website. RateAPI tracks 6 published membership paths covering 2 counties for Muskegon Credit Union, each quoted from Muskegon Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Muskegon Credit Union's rates against national credit-union benchmarks. [More Michigan credit unions](https://rateapi.dev/credit-unions/michigan) [Michigan personal loan leaders](https://rateapi.dev/personal-loan-rates/michigan) [Credit card rates](https://rateapi.dev/credit-card-rates) [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.muskfedcu.com/) ### 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 Muskegon 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 Muskegon Credit Union curl "https://api.rateapi.dev/credit-unions/michigan /muskegon " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Muskegon Credit Union locations Search, filter, and browse all 3 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/muskegon Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp