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Credit union · NCUA insured

Great Lakes First Federal Credit Union CD Rates

Top Carrot, Carrot Score 88Top Carrot

Great Lakes First Federal Credit Union’s best CD rate is 3.70% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.

How Great Lakes First Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Escanaba, MI, where Great Lakes First Federal Credit Union has the most branches. $10,000, best rate first.

  • Top Carrot, Carrot Score 88

    This credit union’s best

    Great Lakes First Federal Credit Union

    3.70%APY

    Term
    6 months
    Minimum
    $1,000
    Earns on $10,000
    $183

    Share Certificates

  • Top rate

    Nicolet National Bank

    4.75%APY

    Term
    60 months
    Minimum
    $2,500
    Earns on $10,000
    $2,612

    Nicolet National Bank rates

  • Top Carrot, Carrot Score 89

    2nd-highest rate

    Flagstar Bank

    4.30%APY

    Term
    12 months
    Minimum
    $500
    Earns on $10,000
    $430

    Flagstar Bank rates

Compare CD rates near you →

Great Lakes First Federal Credit Union CD score

82

CD score

Higher than 58% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo3.70%
  • 9–15 months9–15 mo3.70%
  • 16–30 months16–30 mo3.60%
  • 31–60 months31–60 mo3.65%
  • QualifiedQualified3.70%

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.

How the score works →

Where Great Lakes First 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.

Who can join Great Lakes First 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This may be incomplete or out of date, so check with the credit union before you apply.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

  • Persons who live, work, worship, or attend school in, as well as businesses and other legal entities located within a 4-mile radius of the post office in Gladstone, MI, are eligible for membership.
  • Persons who live, work, worship, or attend school in, and businesses and other legal entities located in the Michigan townships of Bay de Noc, Brampton, Ensign, and Masonville are eligible for membership.
  • Persons living, regularly working, worshiping, attending school, volunteering, or participating in associations or poverty/distress alleviation programs in the underserved area of Delta County, as well as qualifying organizations in that area, are eligible for membership.

Employers and groups

  • Employees of the Harnischfeger Corporation in Escanaba, MI are eligible for membership.
  • Members of Esky Band Boosters in Escanaba, Michigan who qualify for membership in accordance with its charter and bylaws in effect on September 30, 1992 are eligible for membership.
  • Employees of Great Lakes First Federal Credit Union are eligible for membership.
9 more ways to join

Employers and groups

  • Members of Teamsters Local #328 in Escanaba, MI are eligible for membership.
  • Employees of Alger Delta Co-Op Electric Corporation who work in Gladstone, MI are eligible for membership.
  • Employees of Northern Michigan Splice Veneer (now called Besse Forest Products) who work in Gladstone, MI are eligible for membership.
  • Employees of Marble Arms Company who work in Gladstone, MI are eligible for membership.
  • Employees of LaPine Brothers who work in Gladstone, MI are eligible for membership.

Family and household

  • Spouses of persons who died while within the field of membership of the credit union are eligible for membership.
  • Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, including adoptive and step relationships) or household members of eligible persons are eligible for membership.

Other ways

  • Persons retired as pensioners or annuitants from qualifying employment are eligible for membership.
  • Organizations of eligible persons are eligible for membership.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
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