Credit union · NCUA insured
Jolt Credit Union CD Rates
Jolt Credit Union’s best CD rate is 3.75% APY on a 30-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Jolt Credit Union’s CD rates compare
Compared with banks and credit unions near Saginaw, MI, where Jolt Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Jolt Credit Union
3.75%APY
- Term
- 30 months
- Minimum
- $1,000
- Earns on $10,000
- $964
Share Certificate Account
Top rate
Health Advantage Credit Union
4.50%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $336
2nd-highest rate
Dow Credit Union
4.50%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $488
Jolt Credit Union CD score
79
CD score
Higher than 48% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.75%
- 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 Jolt 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.
Share Certificate Account
Up to 3.75%APY · 10 terms
Compounding and crediting frequencies vary by term (monthly or quarterly). Early withdrawal penalties and fees may reduce earnings. 39 Month Bump Up allows a rate increase once during the term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsCompounded monthly and paid monthly | 0.50% | $12 |
| 6 monthsCompounded monthly and paid monthly | 3.50% | $173 |
| 12 monthsCompounded quarterly and paid quarterly | 3.50% | $350 |
| 18 monthsCompounded quarterly and paid quarterly | 3.50% | $530 |
| 24 monthsCompounded quarterly and paid quarterly | 3.50% | $712 |
| 30 monthsCompounded quarterly and paid quarterly | 3.75% | $964 |
| 36 monthsCompounded quarterly and paid quarterly | 3.25% | $1,007 |
| 39 months39 Month Bump Up allows increasing the rate once during the term. Compounded quarterly and paid quarterly | 3.25% | $1,095 |
| 48 monthsCompounded quarterly and paid quarterly | 3.25% | $1,365 |
| 60 monthsCompounded quarterly and paid quarterly | 3.25% | $1,734 |
Special-purpose accounts
Coverdell ESA Share Certificates
Up to 3.75%APY · 9 terms
Available for Coverdell Education Savings Accounts (ESA). Compounding and crediting frequencies vary by term (monthly or quarterly). Fees or early withdrawal may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsCompounded monthly and paid monthly | 0.50% | $12 |
| 6 monthsCompounded monthly and paid monthly | 3.50% | $173 |
| 12 monthsCompounded quarterly and paid quarterly | 3.50% | $350 |
| 18 monthsCompounded quarterly and paid quarterly | 3.50% | $530 |
| 24 monthsCompounded quarterly and paid quarterly | 3.50% | $712 |
| 30 monthsCompounded quarterly and paid quarterly | 3.75% | $964 |
| 36 monthsCompounded quarterly and paid quarterly | 3.25% | $1,007 |
| 48 monthsCompounded quarterly and paid quarterly | 3.25% | $1,365 |
| 60 monthsCompounded quarterly and paid quarterly | 3.25% | $1,734 |
Sources (1)
- joltcu.com/certificate-account · captured Oct 5, 2026
Traditional and Roth IRA Share Certificates
Up to 3.75%APY · 9 terms
Available for Traditional and Roth IRAs. Compounding and crediting frequencies vary by term (monthly or quarterly). Fees or early withdrawal may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsCompounded monthly and paid monthly | 0.50% | $12 |
| 6 monthsCompounded monthly and paid monthly | 3.50% | $173 |
| 12 monthsCompounded quarterly and paid quarterly | 3.50% | $350 |
| 18 monthsCompounded quarterly and paid quarterly | 3.50% | $530 |
| 24 monthsCompounded quarterly and paid quarterly | 3.50% | $712 |
| 30 monthsCompounded quarterly and paid quarterly | 3.75% | $964 |
| 36 monthsCompounded quarterly and paid quarterly | 3.25% | $1,007 |
| 48 monthsCompounded quarterly and paid quarterly | 3.25% | $1,365 |
| 60 monthsCompounded quarterly and paid quarterly | 3.25% | $1,734 |
Youth Share Certificate Accounts
Up to 3.50%APY · 3 terms
Available for minors 17 years of age or younger. Subsequent deposits are allowed throughout the term. Early withdrawal penalties and fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAvailable for minors 17 years of age or younger. Compounded monthly and paid monthly. Subsequent deposits allowed | 0.50% | $12 |
| 6 monthsAvailable for minors 17 years of age or younger. Compounded monthly and paid monthly. Subsequent deposits allowed | 3.50% | $173 |
| 12 monthsAvailable for minors 17 years of age or younger. Compounded quarterly and paid quarterly. Subsequent deposits allowed | 3.50% | $350 |
Who can join Jolt 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, worship, work, or attend schools in Bay, Saginaw, Midland, Gratiot, Gladwin, Isabella, Clare, Arenac, Tuscola, Huron, Sanilac, Osceola, Wexford, Mecosta, Montcalm, Iosco, Ogemaw, Roscommon, and Missaukee counties are eligible for membership.
Employers and groups
- Employees of the Credit Union are eligible for membership.
Family and household
- Immediate family members (relatives by blood, marriage, or adoption) and individuals living in the same household as a current member are eligible for membership.
- A spouse of a deceased member is eligible for membership if accepted into membership prior to remarriage.
Other ways
- Any legal entity that is comprised for the most part of the same general group as the membership of the Credit Union is eligible for membership.
Membership information collected October 5, 2026.