Credit union · NCUA insured
Grand Heritage FCU CD Rates
Grand Heritage FCU’s best CD rate is 0.20% APY on a 2-year share certificate (CD). Terms run from 1 year to 3 years. Rates checked October 15, 2026.
How Grand Heritage FCU’s CD rates compare
Compared with banks and credit unions near Michigan City, IN, where Grand Heritage FCU has the most branches. $10,000, best rate first.
This credit union’s best
Grand Heritage FCU
0.20%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $40
Share Certificates
Top rate
INOVA Federal Credit Union
4.75%APY
- Term
- 20 months
- Minimum
- $200
- Earns on $10,000
- $804
2nd-highest rate
Members Advantage Credit Union
4.55%APY
- Term
- 72 months
- Minimum
- $1,000
- Earns on $10,000
- $3,060
Grand Heritage FCU CD score
60
CD score
Higher than 0% of U.S. banks and credit unions
- 9–15 months9–15 mo0.10%
- 16–30 months16–30 mo0.20%
- 31–60 months31–60 mo0.20%
- QualifiedQualified0.20%
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 Grand Heritage FCU 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 0.20%APY · 4 terms
Membership is required at GHFCU. Dividends may also be put into checking or savings or the member may receive a check for the dividends each dividend period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends on 1 year certificates are calculated daily and paid quarterly. APY is based on compounding of interest | 0.10% | $10 |
| 18 monthsDividends on 18 month certificates are calculated daily and paid quarterly. APY is based on compounding of interest | 0.15% | $23 |
| 24 monthsDividends on 24 month certificates are calculated daily and paid quarterly. APY is based on compounding of interest | 0.20% | $40 |
| 36 monthsDividends on 36 month certificates are calculated daily and paid quarterly. APY is based on compounding of interest | 0.20% | $60 |
Special-purpose accounts
IRA Certificates
0.10%APY · 1 term
Membership is required at GHFCU. Grand Heritage FCU accepts 401(k) and other IRA rollovers. Dividends may also be put into checking or savings or the member may receive a check for the dividends each dividend period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends on 12 month certificates are calculated daily and paid quarterly. APY is based on compounding of interest | 0.10% | $10 |
Who can join Grand Heritage FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons living, working, attending school, or places of worship in La Porte County are eligible for membership.
Employers and groups
- Volunteers of any school, church, parish, hospital, or association within La Porte County are eligible for membership.
Family and household
- Immediate family members of a Grand Heritage member (spouse, parents, grandparents, children, grandchildren, and siblings, including step and adopted) are eligible for membership.
Membership information collected October 5, 2026.