Credit union · NCUA insured
Glass City Federal Credit Union CD Rates
Top CarrotGlass City Federal Credit Union’s best CD rate is 4.00% APY on a 30-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Glass City Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Toledo, OH, where Glass City Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Glass City Federal Credit Union
4.00%APY
- Term
- 30 months
- Minimum
- $500
- Earns on $10,000
- $1,030
Share Certificate
Top rate
Fremont Federal Credit Union
5.10%APY
- Term
- 84 months
- Minimum
- $1,000
- Earns on $10,000
- $4,165
2nd-highest rate
Educational Community Alliance CU
4.58%APY
- Term
- 48 months
- Minimum
- —
- Earns on $10,000
- $1,962
Glass City Federal Credit Union CD score
86
CD score
Higher than 75% of U.S. banks and credit unions
- 3–8 months3–8 mo3.90%
- 9–15 months9–15 mo3.00%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.00%
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 Glass City 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 Certificate
Up to 4.00%APY · 9 terms
Dividends for 3-month term are paid at maturity and do not compound; dividends for 6-60 month terms compound and are paid quarterly. Minimum opening deposit is $1,000 for 3-month CD and $500 for 6-60 month CDs. Early withdrawal penalties apply. Automatic renewal with 7-day grace period. Membership open to anyone who lives, works, worships, or attends school in Lucas, Wood, Fulton, or Ottawa Counties, OH.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends are earned from date of deposit and paid at maturity by check or transfer; dividends do not compound. Early withdrawal penalty is forfeiture of dividends earned since date of issuance, or 90-days’ dividends, whichever is smaller | 0.50% | $12 |
| 6 monthsDividends compounded and paid quarterly. Early withdrawal penalty is forfeiture of dividends earned since date of issuance or 90-days’ dividends, whichever is smaller | 3.90% | $193 |
| 12 monthsDividends compounded and paid quarterly. Early withdrawal penalty is forfeiture of dividends earned since date of issuance or 90-days’ dividends, whichever is smaller | 3.00% | $300 |
| 18 monthsDividends compounded and paid quarterly. Early withdrawal penalty is forfeiture of dividends earned since date of issuance or 180-days’ dividends, whichever is smaller | 3.00% | $453 |
| 24 monthsDividends compounded and paid quarterly. Early withdrawal penalty is forfeiture of dividends earned since date of issuance or 180-days’ dividends, whichever is smaller | 2.00% | $404 |
| 30 monthsDividends compounded and paid quarterly. Early withdrawal penalty is forfeiture of dividends earned since date of issuance or 180-days’ dividends, whichever is smaller | 4.00% | $1,030 |
| 36 monthsDividends compounded and paid quarterly. Early withdrawal penalty is forfeiture of dividends earned since date of issuance or 180-days’ dividends, whichever is smaller | 4.00% | $1,249 |
| 48 monthsDividends compounded and paid quarterly. Early withdrawal penalty is forfeiture of dividends earned since date of issuance or 180-days’ dividends, whichever is smaller | 4.00% | $1,699 |
| 60 monthsDividends compounded and paid quarterly. Early withdrawal penalty is forfeiture of dividends earned since date of issuance or 180-days’ dividends, whichever is smaller | 3.50% | $1,877 |
Sources (3)
- glasscityfcu.com/savings-rates
- glasscityfcu.com/share-certifi…e-policy-and-disclosures
- glasscityfcu.com/share-certificates-of-deposit
All captured Oct 6, 2026
Dividend Payment CD
2.97%APY · 1 term
Dividends are earned from date of deposit and paid by check to member or transferred to a Share Account or Checking Account at the credit union. Does not compound. Automatic renewal with 7-day grace period. Early withdrawal penalty is forfeiture of dividends earned since date of issuance or 90 days of dividends, whichever is smaller. IRA Certificates are not available in a Dividend Payment CD.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends paid by check or transferred to a Share or Checking Account; does not compound. Early withdrawal penalty is forfeiture of dividends earned since date of issuance or 90 days of dividends, whichever is smaller | 2.97% | $297 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Youth CD
5.00%APY · 1 term
Designed for youth (minor) members ages 0-17. Joint owner parent or guardian age 18 or over required. Maximum $5,000 on deposit in 12-Month Youth CDs per youth primary owner. Dividends compounded and paid quarterly. Matures to Standard 12-month CD if youth primary owner's 18th birthday occurs during CD term period. Early withdrawal penalty is forfeiture of dividends earned since date of issuance or 90 days of dividends, whichever is smaller.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFor youth ages 0-17 with adult joint owner. Max deposit $5,000 per youth primary owner. Dividends compounded and paid quarterly. Early withdrawal penalty is forfeiture of dividends earned since date of issuance or 90 days of dividends, whichever is smaller | 5.00% | — |
Sources (3)
- glasscityfcu.com/savings-rates
- glasscityfcu.com/share-certifi…e-policy-and-disclosures
- glasscityfcu.com/share-certificates-of-deposit
All captured Oct 6, 2026
IRA Certificate
Up to 4.00%APY · 7 terms
$1,000 minimum balance required to open. Dividends compounded and paid quarterly. Cannot be pledged as security. Automatic renewal with 7-day grace period. Early withdrawal penalty for 1 year term is forfeiture of dividends earned since issuance or 90 days of dividends, whichever is smaller; for 18 months to 5 years is forfeiture of dividends earned since issuance or 180 days of dividends, whichever is smaller. Forfeiture does not apply if early withdrawal follows member's disability or attainment of not less than 59 1/2 years of age. IRA Certificates are not available in a Dividend Payment CD. Roth IRAs and Coverdell Education Savings Accounts are also available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends compounded and paid quarterly. Early withdrawal penalty is forfeiture of dividends earned since date of issuance or 90 days of dividends, whichever is smaller (waived for disability or age 59 1/2+) | 3.00% | $300 |
| 18 monthsDividends compounded and paid quarterly. Early withdrawal penalty is forfeiture of dividends earned since date of issuance or 180-days’ dividends, whichever is smaller (waived for disability or age 59 1/2+) | 3.00% | $453 |
| 24 monthsDividends compounded and paid quarterly. Early withdrawal penalty is forfeiture of dividends earned since date of issuance or 180-days’ dividends, whichever is smaller (waived for disability or age 59 1/2+) | 2.00% | $404 |
| 30 monthsDividends compounded and paid quarterly. Early withdrawal penalty is forfeiture of dividends earned since date of issuance or 180-days’ dividends, whichever is smaller (waived for disability or age 59 1/2+) | 4.00% | $1,030 |
| 36 monthsDividends compounded and paid quarterly. Early withdrawal penalty is forfeiture of dividends earned since date of issuance or 180-days’ dividends, whichever is smaller (waived for disability or age 59 1/2+) | 4.00% | $1,249 |
| 48 monthsDividends compounded and paid quarterly. Early withdrawal penalty is forfeiture of dividends earned since date of issuance or 180-days’ dividends, whichever is smaller (waived for disability or age 59 1/2+) | 4.00% | $1,699 |
| 60 monthsDividends compounded and paid quarterly. Early withdrawal penalty is forfeiture of dividends earned since date of issuance or 180-days’ dividends, whichever is smaller (waived for disability or age 59 1/2+) | 3.50% | $1,877 |
Sources (2)
All captured Oct 6, 2026
Who can join Glass City Federal Credit Union
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