Credit union · NCUA insured
GREAT LAKES CD Rates
Top CarrotGREAT LAKES’s best CD rate is 3.85% APY on a 7-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How GREAT LAKES’s CD rates compare
Compared with banks and credit unions near Bay City, MI, where GREAT LAKES has the most branches. $10,000, best rate first.
This credit union’s best
GREAT LAKES
3.85%APY
- Term
- 7 months
- Minimum
- $1,000
- Earns on $10,000
- $223
Share Certificate (CD)
Top rate
Sunrise Family Credit Union
4.59%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $498
2nd-highest rate
Lake Huron Credit Union
4.50%APY
- Term
- 24 months
- Minimum
- —
- Earns on $10,000
- $920
GREAT LAKES CD score
79
CD score
Higher than 48% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo3.70%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo3.00%
- QualifiedQualified3.85%
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 GREAT LAKES 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 (CD)
Up to 3.85%APY · 8 terms
Minimum $1,000 deposit to open and earn dividends. Automatically rolls over at maturity with a 10-day grace period. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty of 90 days’ Dividends | 2.00% | $100 |
| 7 monthsSpecial 7 Month Share Certificate is a limited time offer and may be cancelled at any time without notice. Bring new money to Credit Union 1 to maximize earnings. Automatically rolls over when it reaches maturity to a 6 Month Share Certificate with a 10-day grace period where you can transfer the money to another Share Certificate or withdraw your money without penalty. Early withdrawal penalty of 90 days’ Dividends | 3.85% | $223 |
| 12 monthsEarly withdrawal penalty of 90 days’ Dividends | 3.25% | $325 |
| 15 monthsSpecial 15 Month Share Certificate is a limited time offer and may be cancelled at any time without notice. Bring new money to Credit Union 1 to maximize earnings. Automatically rolls over when it reaches maturity to a 12 Month Share Certificate with a 10-day grace period where you can transfer the money to another Share Certificate or withdraw your money without penalty. Early withdrawal penalty of 90 days’ Dividends | 3.70% | $465 |
| 24 monthsEarly withdrawal penalty of 180 days’ Dividends | 3.00% | $609 |
| 36 monthsEarly withdrawal penalty of 270 days’ Dividends | 3.00% | $927 |
| 48 monthsEarly withdrawal penalty of 270 days’ Dividends | 2.75% | $1,146 |
| 60 monthsEarly withdrawal penalty of 270 days’ Dividends | 2.75% | $1,453 |
Sources (1)
- creditunion1.org/bank/cds · captured Oct 5, 2026
Share Certificate Plus (CD)
Up to 3.25%APY · 6 terms
Requires a minimum balance of $10,000 to open and earn dividends. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty of 90 days’ Dividends | 2.00% | $100 |
| 12 monthsEarly withdrawal penalty of 90 days’ Dividends | 3.25% | $325 |
| 24 monthsEarly withdrawal penalty of 180 days’ Dividends | 3.00% | $609 |
| 36 monthsEarly withdrawal penalty of 270 days’ Dividends | 3.00% | $927 |
| 48 monthsEarly withdrawal penalty of 270 days’ Dividends | 2.75% | $1,146 |
| 60 monthsEarly withdrawal penalty of 270 days’ Dividends | 2.75% | $1,453 |
Sources (1)
- creditunion1.org/rates · captured Oct 5, 2026
Special-purpose accounts
IRA Certificate (Traditional, Roth or Educational)
Up to 3.85%APY · 8 terms
Available as Traditional, Roth, or Educational IRA. Minimum $1,000 balance to open and earn dividends. Automatically rolls over at maturity with a 10-day grace period. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty of 90 days’ Dividends | 2.00% | $100 |
| 7 monthsSpecial 7 Month Share Certificate is a limited time offer and may be cancelled at any time without notice. There is a $1,000 minimum balance to open and earn dividends. Special 7 Month Share Certificate will automatically roll over when it reaches maturity to a 6 Month Share Certificate with a 10-day grace period where you can transfer the money to another Share Certificate or withdraw your money without penalty. Early withdrawal penalty of 90 days’ Dividends | 3.85% | $223 |
| 12 monthsEarly withdrawal penalty of 90 days’ Dividends | 3.25% | $325 |
| 15 monthsSpecial 15 Month Share Certificate is a limited time offer and may be cancelled at any time without notice. There is a $1,000 minimum balance to open and earn dividends. Special 15 Month Share Certificate will automatically roll over when it reaches maturity to a 12 Month Share Certificate with a 10-day grace period where you can transfer the money to another Share Certificate or withdraw your money without penalty. Early withdrawal penalty of 90 days’ Dividends | 3.70% | $465 |
| 24 monthsEarly withdrawal penalty of 180 days’ Dividends | 3.00% | $609 |
| 36 monthsEarly withdrawal penalty of 270 days’ Dividends | 3.00% | $927 |
| 48 monthsEarly withdrawal penalty of 270 days’ Dividends | 2.75% | $1,146 |
| 60 monthsEarly withdrawal penalty of 270 days’ Dividends | 2.75% | $1,453 |
IRA Certificate Plus (Traditional, Roth or Educational)
Up to 3.25%APY · 6 terms
Available as Traditional, Roth, or Educational IRA. Requires a minimum balance of $10,000 to open and earn dividends. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty of 90 days’ Dividends | 2.00% | $100 |
| 12 monthsEarly withdrawal penalty of 90 days’ Dividends | 3.25% | $325 |
| 24 monthsEarly withdrawal penalty of 180 days’ Dividends | 3.00% | $609 |
| 36 monthsEarly withdrawal penalty of 270 days’ Dividends | 3.00% | $927 |
| 48 monthsEarly withdrawal penalty of 270 days’ Dividends | 2.75% | $1,146 |
| 60 monthsEarly withdrawal penalty of 270 days’ Dividends | 2.75% | $1,453 |
Sources (1)
- creditunion1.org/rates · captured Oct 5, 2026
Who can join GREAT LAKES
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