Credit union · NCUA insured
Blue Water Federal Credit Union CD Rates
Blue Water Federal Credit Union’s best CD rate is 3.56% APY on a 9-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How Blue Water Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Detroit, MI, where Blue Water Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Blue Water Federal Credit Union
3.56%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $266
Certificate Specials
Top rate
FreeStar Financial Credit Union
5.25%APY
- Term
- 18 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $798
2nd-highest rate
Diversified Members Credit Union
5.15%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $515
Blue Water Federal Credit Union CD score
68
CD score
Higher than 21% of U.S. banks and credit unions
- 3–8 months3–8 mo1.72%
- 9–15 months9–15 mo3.56%
- 16–30 months16–30 mo2.01%
- 31–60 months31–60 mo2.52%
- QualifiedQualified3.56%
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 Blue Water 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.
Certificate Specials
3.56%APY · 1 term
Early withdrawal from certificates will be subject to a dividend penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsEarly withdrawal from certificates will be subject to a dividend penalty | 3.56% | $266 |
Sources (2)
All captured Oct 5, 2026
Certificates
Up to 2.52%APY · 4 terms
Early withdrawal from certificates will be subject to a dividend penalty. Auto renewal on standard terms.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal from certificates will be subject to a dividend penalty | 1.72% | $86 |
| 12 monthsEarly withdrawal from certificates will be subject to a dividend penalty | 1.91% | $191 |
| 24 monthsEarly withdrawal from certificates will be subject to a dividend penalty | 2.01% | $406 |
| 36 monthsEarly withdrawal from certificates will be subject to a dividend penalty | 2.52% | $775 |
Sources (2)
All captured Oct 5, 2026
Who can join Blue Water Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Federal employees working in specified counties (St. Clair, Huron, Sanilac, Tuscola) or towns (Armada, Memphis, Mt. Clemens, New Baltimore, New Haven, Richmond, St. Clair Shores, Clifford, Imlay City, Lapeer) are eligible for membership.
Family and household
- Immediate family members of a current credit union member are eligible for membership.
- Immediate family members of an individual eligible to become a credit union member are eligible for membership.
Membership information collected October 5, 2026.