Credit union · NCUA insured
Great Lakes Credit Union CD Rates
Great Lakes Credit Union’s best CD rate is 1.75% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Great Lakes Credit Union’s CD rates compare
Compared with banks and credit unions in Illinois, where Great Lakes Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Great Lakes Credit Union
3.85%APY
- Term
- 7 months
- Requires
- Conditions apply
- Minimum
- $1,000
- Earns on $10,000
- $223
Share Certificate
Top rate
Vicinity Credit Union
5.15%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $559
2nd-highest rate
First Eagle Federal Credit Union
5.00%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $500
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 4.25%APY · 9 terms
Must maintain average daily balance of $1,000 to earn stated dividend. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| UnknownPROMO 100 Day Share Certificate. Promotional Certificates automatically renew into a standard Certificate at current standard rate and closest term length | 4.25% | $0 |
| 3 monthsMust maintain average daily balance of $1,000 to earn stated dividend | 0.35% | $9 |
| 6 months | 0.60% | $30 |
| 7 monthsPROMO 7 mo Share Certificate. Promotional Certificates automatically renew into a standard Certificate at current standard rate and closest term length | 3.85% | $223 |
| 12 monthsMust maintain average daily balance of $1,000 to earn stated dividend | 0.85% | $85 |
| 24 monthsMust maintain average daily balance of $1,000 to earn stated dividend | 0.90% | $181 |
| 36 monthsMust maintain average daily balance of $1,000 to earn stated dividend | 1.10% | $334 |
| 48 monthsMust maintain average daily balance of $1,000 to earn stated dividend | 1.15% | $468 |
| 60 monthsMust maintain average daily balance of $1,000 to earn stated dividend | 1.25% | $641 |
Sources (2)
All captured Oct 6, 2026
Super Jumbo Share Certificate
Up to 1.75%APY · 5 terms
Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.35% | — |
| 24 months | 1.60% | — |
| 36 months | 1.60% | — |
| 48 months | 1.65% | — |
| 60 months | 1.75% | — |
Sources (1)
- glcu.org/invest/certificates/share-certificates · captured Oct 6, 2026
Jumbo Share Certificate
Up to 1.55%APY · 5 terms
Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.15% | — |
| 24 months | 1.20% | — |
| 36 months | 1.40% | — |
| 48 months | 1.45% | — |
| 60 months | 1.55% | — |
Sources (1)
- glcu.org/invest/certificates/share-certificates · captured Oct 6, 2026
Save to Win Share Certificate
0.15%APY · 1 term
Must maintain average daily balance of $25 to earn the stated dividend. One withdrawal allowed during term with $25 penalty; certificate closes if balance falls below minimum or on second withdrawal. Additional deposits allowed during term. Each $25 month-over-month balance increase earns raffle entry.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMust maintain average daily balance of $25 to earn dividend. Compounded daily, posted monthly. One withdrawal allowed during term with $25 penalty | 0.15% | $15 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA Share Certificate
Up to 1.25%APY · 5 terms
Must maintain average daily balance of $1,000 to earn stated dividend. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMust maintain average daily balance of $1,000 to earn stated dividend | 0.85% | $85 |
| 24 monthsMust maintain average daily balance of $1,000 to earn stated dividend | 0.90% | $181 |
| 36 monthsMust maintain average daily balance of $1,000 to earn stated dividend | 1.10% | $334 |
| 48 monthsMust maintain average daily balance of $1,000 to earn stated dividend | 1.15% | $468 |
| 60 monthsMust maintain average daily balance of $1,000 to earn stated dividend | 1.25% | $641 |
Sources (2)
All captured Oct 6, 2026
Who can join Great Lakes Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or worship within designated areas in Illinois, Indiana, or Wisconsin are eligible for membership.
Employers and groups
- Employees of Select Employer Groups (SEGs) are eligible for membership.
Military, government and schools
- Federal workers, active or veteran military personnel, and their families are eligible for membership.
Other ways
- Individuals who are not local can qualify for membership by donating to the GLCU Foundation for Financial Empowerment.
Cost to join
- It does not cost money to join GLCU.
- Joining requires a share savings account deposit of $1 or more.
Membership information collected October 5, 2026.