Credit union · NCUA insured
Awakon Federal Credit Union CD Rates
Awakon Federal Credit Union’s best CD rate is 3.81% APY on a 5-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Awakon Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Petoskey, MI, where Awakon Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Awakon Federal Credit Union
3.81%APY
- Term
- 5 months
- Minimum
- $2,500
- Earns on $10,000
- $157
Share Certificates
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
PNC
4.25%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $461
Awakon Federal Credit Union CD score
70
CD score
Higher than 27% of U.S. banks and credit unions
- 3–8 months3–8 mo3.81%
- 9–15 months9–15 mo2.78%
- 16–30 months16–30 mo2.27%
- 31–60 months31–60 mo1.00%
- QualifiedQualified3.81%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Awakon Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 3.81%APY · 7 terms
Penalty for early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPenalty for early withdrawals | 0.50% | $12 |
| 5 monthsPenalty for early withdrawals | 3.81% | $157 |
| 6 monthsPenalty for early withdrawals | 0.60% | $30 |
| 12 monthsPenalty for early withdrawals | 2.78% | $278 |
| 24 monthsPenalty for early withdrawals | 2.27% | $459 |
| 36 monthsPenalty for early withdrawals | 1.00% | $303 |
| 60 monthsPenalty for early withdrawals | 1.00% | $510 |
Sources (1)
- awakonfcu.net/investments/share-certificates · captured Oct 5, 2026
Who can join Awakon Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- You must live, work, worship, attend school in, or own a business located in the Northernmost Eight Counties of Lower Michigan (Presque Isle, Cheboygan, Montmorency, Otsego, Alpena, Emmet, Charlevoix, and Antrim Counties).
Membership information collected October 5, 2026.