Credit union · NCUA insured
HarborLight Credit Union CD Rates
HarborLight Credit Union’s best CD rate is 3.75% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How HarborLight Credit Union’s CD rates compare
Compared with banks and credit unions near Muskegon, MI, where HarborLight Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
HarborLight Credit Union
3.75%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $186
Certificates of Deposit
Top rate
Michigan Coastal Credit Union
4.30%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $467
2nd-highest rate
Community Choice Credit Union
4.30%APY
- Term
- 25 months
- Minimum
- $500
- Earns on $10,000
- $917
HarborLight Credit Union CD score
78
CD score
Higher than 45% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.25%
- QualifiedQualified3.75%
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 HarborLight 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.
Certificates of Deposit
Up to 3.75%APY · 7 terms
Fixed rates, higher than regular savings. Dividends are compounded and paid monthly. No setup or maintenance charges. Early withdrawals subject to penalty. Renews automatically upon maturity after 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.75% | $186 |
| 12 months | 3.50% | $350 |
| 18 months | 3.25% | $491 |
| 24 months | 3.25% | $661 |
| 36 months | 3.25% | $1,007 |
| 48 months | 3.25% | $1,365 |
| 60 months | 3.25% | $1,734 |
Sources (2)
- harborlightcu.org/accounts/per…king/basic-checking.html
- harborlightcu.org/accounts/per…ates-of-deposit-cds.html
All captured Sep 18, 2026
Jumbo CD
3.30%APY · 4 terms
Fixed rates, higher than regular savings. Dividends are compounded and paid monthly. No setup or maintenance charges. Early withdrawals subject to penalty. Renews automatically upon maturity after 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months | 3.30% | $671 |
| 36 months | 3.30% | $1,023 |
| 48 months | 3.30% | $1,387 |
| 60 months | 3.30% | $1,763 |
Sources (2)
- harborlightcu.org/accounts/per…king/basic-checking.html
- harborlightcu.org/accounts/per…ates-of-deposit-cds.html
All captured Sep 18, 2026
Who can join HarborLight 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 the state of Michigan are eligible for membership.
Employers and groups
- Organizations, incorporated or otherwise, composed for the most part of the same general group making up the membership are eligible for membership.
Family and household
- Persons within the immediate family of a member (defined as relatives by blood or marriage, or any individual living under the same roof and in the same household as the member) are eligible for membership.
Other ways
- Any person who receives a retirement annuity, pension, social security, or similar retirement payment from private or government sources, and lives in or belongs to a retirement organization located in the county or a contiguous county where the credit union's main office or a branch is located, is eligible for membership.
Cost to join
- Membership requires opening a Basic Savings account with a deposit of $5 or more.
Membership information collected October 5, 2026.