Credit union · NCUA insured
Lake Huron Credit Union CD Rates
Top CarrotLake Huron Credit Union’s best CD rate is 4.50% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Lake Huron Credit Union’s CD rates compare
Compared with banks and credit unions near Saginaw, MI, where Lake Huron Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Lake Huron Credit Union
4.50%APY
- Term
- 24 months
- Minimum
- —
- Earns on $10,000
- $920
Certificates of Deposit
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
Lake Huron Credit Union CD score
92
CD score
Higher than 93% of U.S. banks and credit unions
- 3–8 months3–8 mo3.53%
- 9–15 months9–15 mo4.19%
- 16–30 months16–30 mo4.50%
- 31–60 months31–60 mo3.56%
- QualifiedQualified4.50%
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 Lake Huron 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 4.50%APY · 7 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.53% | $175 |
| 12 months | 4.19% | $419 |
| 18 months | 3.67% | $556 |
| 24 months | 4.50% | $920 |
| 36 months | 3.56% | $1,106 |
| 48 months | 3.56% | $1,502 |
| 60 months | 3.56% | $1,911 |
Special-purpose accounts
12 Month YOUTH Certificate
4.06%APY · 1 term
12 Month YOUTH Certificate
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 4.06% | $406 |
Who can join Lake Huron Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Saginaw, Bay, or Midland Counties.
Employers and groups
- Membership is open to employees of auto dealerships, repair garages, and parts distributors.
- Membership is open to members of Teamsters Local 486.
- Membership is open to employees of trucking companies.
Family and household
- Membership is open to members of the immediate families and retirees of any of the qualifying groups.
Other ways
- Membership is open to any person over the age of 55 receiving retirement income who lives in or belongs to a retirement organization located in the county or a contiguous county where the credit union's main office is located.
Cost to join
- An initial deposit of $5.00 is required upon applying for membership.
Membership information collected October 5, 2026.