Four Credit Unions Expand the First-Party Verified Rate Universe

OnlineBankRates | Daily Rate Intelligence

2026-10-19

Independent first-party U.S. deposit-rate collection | production / monetization separation

Newly Bank Verified institutions

Heritage Financial Credit Union — 14 new observations. Official source: https://heritagefcu.com/resources/rates/

Lake Michigan Credit Union — 111 new observations. Official source: https://www.lmcu.org/rates/certificates-rates/; https://www.lmcu.org/rates/share-rates/

MSU Federal Credit Union — 55 new observations. Official source: https://www.msufcu.org/rates/certificate

University Federal Credit Union (UFCU) — 11 new observations. Official source: https://ufcu.org/personal/savings/certificates

Collection limitations and controls

This is a partial numerical refresh. 143 previously registered URLs were not opened today; unrefreshed observations retain their previous check dates. Reachability checks do not count as numerical recapture.

Production values were transcribed solely from institution-owned public disclosures opened in this run. Aggregator search results and comparison sites were used only for discovery, never as production APYs.

All new numerical rows are labeled Bank Verified. Old institution disclosures remain marked STALE or UNDATED where applicable; neither label implies a fresh rate.

Only exact prior institution/product/term/tier/relationship matches with an earlier official effective date qualify as a verified increase or cut. Blended APY ranges, hidden dynamic rates and conflicting disclosures were excluded.

Affiliate research is separate from rate production. No competitor tracking links are reused, and OnlineBankRates tracking URLs are blank until approval.

Selected institution-owned evidence

MSU Federal Credit Union: https://www.msufcu.org/rates/certificate

Lake Michigan Credit Union: https://www.lmcu.org/rates/certificates-rates/

UFCU: https://ufcu.org/personal/savings/certificates

Heritage Financial Credit Union: https://heritagefcu.com/resources/rates/

Navy Federal Credit Union: https://www.navyfederal.org/checking-savings/savings/certificates.html

First National Bank of America: https://www.fnba.com/deposit-rates/online/

Raisin affiliate partnership (monetization only): https://www.raisin.com/en-us/partner/

Observation timestamp: 2026-10-19T10:01:31Z. All amounts are percent APY, not APR. This report is not a guarantee of account availability or eligibility.

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Verified CD rates · Savings rates · Savings calculator

Archive note: Coverage, historical counts, indexes, and market benchmarks above describe the supplied collection report, not the website’s total holdings or a new check of every institution. Rates and restrictions may have changed since the stated dates.