Credit union · NCUA insured
Gerber Federal Credit Union CD Rates
Top CarrotGerber Federal Credit Union’s best CD rate is 4.75% APY on a 7-year share certificate (CD). Terms run from 6 months to 7 years. Rates checked October 16, 2026.
How Gerber Federal Credit Union’s CD rates compare
Compared with banks and credit unions in Michigan, where Gerber Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Gerber Federal Credit Union
4.75%APY
- Term
- 84 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $3,838
Share Certificates
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
Gerber Federal Credit Union CD score
87
CD score
Higher than 76% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo4.50%
- QualifiedQualified4.50%
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 Gerber 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 4.75%APY · 7 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.25% | $161 |
| 12 months | 3.50% | $350 |
| 24 months | 3.75% | $764 |
| 36 months | 4.25% | $1,330 |
| 48 months | 4.50% | $1,925 |
| 60 months | 4.50% | $2,462 |
| 84 months | 4.75% | $3,838 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificates
Up to 4.75%APY · 8 terms
No account opening or maintenance fees. Traditional, Educational or Roth plans available.
| Term | APY · $1 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | — | 3.25% | 3.25% | $161 |
| 12 months | — | 3.50% | 3.50% | $350 |
| 18 months18 Month Variable IRA Certificate | 3.30% | — | 3.30% | $499 |
| 24 months | — | 3.75% | 3.75% | $764 |
| 36 months | — | 4.25% | 4.25% | $1,330 |
| 48 months | — | 4.50% | 4.50% | $1,925 |
| 60 months | — | 4.50% | 4.50% | $2,462 |
| 84 months | — | 4.75% | 4.75% | $3,838 |
Sources (2)
All captured Oct 5, 2026
Who can join Gerber Federal Credit Union
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