Bounty
Worth it?

Michigan First CU Centennial Certificate Account bonus: is $100 worth it?

What it adds over what your cash earns now, tier by tier. Change the rate to yours.

+$95: more than leaving it at 4.15%
With the bonus73.73%
Leave it where it is4.15%

Yearly rate on $5,000 while it's there, bonus included.

The math

Compared with leaving $5k at 4.15%

Bonus
+$100
Interest while it's there
0.8% for 10 days
+$1
What it'd earn at home
$5,000 at 4.15% for 10 days
−$6
Extra
+$95
Works out to 73.7% a year on that cash, vs 4.15% at home.

Deposit $5,000 in new money within 10 days · Keep $5,000 there until day ?. Terms checked Oct 10, 2026.

See every bonus ranked like this for you

About this bonus

What it takes

  1. 1Deposit $5,000 in new money within 10 days
  2. 2Keep $5,000 there until day ?
Ends
No end date listed
Where
Michigan
Pays while it's there
0.8% a year
Monthly fee
None
Cash stays
About 10 days
Bonus paid
Usually within 30 days of finishing
Terms checked Oct 10, 2026The bank's offer pageFound via Doctor of Credit

Similar bonuses

The same kind of account, ranked by what each adds at 4.15%.

Questions

Is the Michigan First CU Centennial Certificate Account bonus worth it?

At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $5,000 tier adds +$95: the $100 bonus plus $1 interest, minus the $6 that cash would have earned in 10 days. At a different rate the answer changes; the calculator on this page works it out for yours.

What are the requirements?

Deposit $5,000 in new money within 10 days; keep $5,000 there until day ?. Open to residents of Michigan.

When does it end?

No end date is listed. The terms were last checked Oct 10, 2026.