Our Savings Options

Statement Savings or Prime Share Accounts

Every member of CPCU maintains a Prime Share Account with a par value of $25.00. This is your share of credit union ownership and entitles you to a vote at the annual meeting. The minimum balance required to earn dividends is $100.00.

Diamond Money Fund

By opening a Diamond Money Account, members are able to keep their funds liquid yet earn an Annual Percentage Yield (APY) that is typically higher than the Prime Share Account. The Diamond Fund has a minimum balance of $5,000 with a second tier APY for balances above $15,000. Talk to any of our Member Service Representatives to open a Diamond Money Fund today.

Savings and Christmas Club Accounts

You can customize the name of a savings club account to help energize your savings!

Customize your savings club account to help you stay on track! “Vacation”, “Tuition”, “New Car”… You name it, you save it!!!
Christmas always comes sooner than we think! We offer a Christmas Club that accepts deposits from the first Monday in November through October 31st. CPCU adds your dividends and in early November, moves the money into your Prime Share Account so that the shopping may begin!

Certificates of Deposit

Grow your money risk free

Certificate Rates

Current Certificate of Deposit Rates displayed as an image. If you are using a screen reader, please call us at 517-372-2400 for our current Certificate Rates.

Current CD Special

Certificate of Deposit Special: 20 Months at 1.900% APR 1.914% APY. Offer valid as of February 4th, 2020. Subject to change at any time. Click on this image visit our Savings Accounts page for Certificate information and our savings rates. Member NCUA Equal Housing Lender.

With a minimum balance of just $1,000 and terms from 6 to 60 months, a CPCU Certificate of Deposit (CD) may be the savings vehicle that is perfect for your needs. The dividends are compounded quarterly and paid quarterly or monthly. There may be a penalty for early withdrawals. Rates are subject to change at any time.

Retirement Savings Options

It’s easy to get started saving for retirement when you choose one of our Individual Retirement Savings Accounts options. The earlier you start, the more time your money has to earn dividends and compound your savings. Choose from:

  • Individual Retirement Savings Accounts
  • Roth IRA
  • Roth Conversion IRA
  • Education IRA

There is no minimum balance required to open these types of accounts and the minimum balance required to obtain the APY is $50. We also offer IRA Certificates of Deposit for funds in one of these types of accounts.
Whether you have funds to rollover from a previous employer plan or you are just ready to start planning for the future, we have an account that may work for you. Call any office to talk to us about your options.
Our Truth in Savings Disclosure is available here or in any branch office.

Youth Savings

Start saving early

Youth Share Account

Members under age 18 may open a Youth Share Account with a par value of $5.00. The minimum balance required to earn dividends is $5.00. Youth are encouraged to save with special promotions and seasonal savings events.

Youth Certificates of Deposit

For our young savers, up to age 18, we offer a Youth Certificate of Deposit. This unique product may be opened with as little as $300 and will accept additional deposits of at least $100 during its term. You may choose a term from 6 to 60 months. Rates are subject to change at any time and there may be a penalty for early withdrawals.

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