Credit union · NCUA insured
Lakes Federal Credit Union CD Rates
Lakes Federal Credit Union’s best CD rate is 3.55% APY on a 6-month share certificate (CD). Terms run from 6 months to 1 year. Rates checked October 15, 2026.
How Lakes Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Monticello, IN, where Lakes Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Lakes Federal Credit Union
3.55%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $176
CD
Top rate
Flagstar Bank
4.30%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $430
2nd-highest rate
Industrial Federal Credit Union
3.80%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $380
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
CD
3.55%APY · 2 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.55% | $176 |
| 12 months | 3.55% | $355 |
Sources (1)
- lakesfcu.com/loan-application · captured Sep 18, 2026
Who can join Lakes 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to anyone who lives, works, attends school, or worships in White, Carroll, Pulaski, or Jasper Counties.
Membership information collected October 5, 2026.