Credit union · NCUA insured
Breakwater Federal Credit Union CD Rates
Top CarrotBreakwater Federal Credit Union’s best CD rate is 3.50% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Breakwater Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Houghton, MI, where Breakwater Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Breakwater Federal Credit Union
3.50%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $173
Share Certificates
Top rate
Flagstar Bank
4.30%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $430
2nd-highest rate
Peninsula Federal Credit Union
4.30%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $540
Breakwater Federal Credit Union CD score
70
CD score
Higher than 26% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo2.00%
- QualifiedQualified3.50%
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 Breakwater 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 3.50%APY · 7 terms
Membership and a primary savings account are required. Minimum starting balance is $500 for ages 18+ ($125 for youth ages 0-17). Early withdrawal penalties may apply. Automatic renewal options available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.50% | $173 |
| 7 monthsFor premature withdrawal, there will be a penalty of 3-months interest for the 7-month certificate. Certificates with these terms will not auto-renew; funds will be deposited into primary savings upon maturity | 3.50% | $203 |
| 12 months | 3.50% | $350 |
| 24 months | 3.00% | $609 |
| 36 months | 2.00% | $612 |
| 48 months | 2.00% | $824 |
| 60 months | 2.00% | $1,041 |
Who can join Breakwater 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to anyone who lives, works, worships, attends school, or regularly conducts business in Houghton, Keweenaw, or Baraga County.
Cost to join
- $25 share deposit required for business accounts.
- $25 share deposit required for organization accounts.
- $25 share deposit required for Regular/Prestige personal accounts.
- $5 share deposit required for Youth Saver/Teen Saver personal accounts.
Membership information collected October 5, 2026.