Credit union · NCUA insured
Lakeshore Federal Credit Union CD Rates
Lakeshore Federal Credit Union’s best CD rate is 3.75% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Lakeshore Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Muskegon, MI, where Lakeshore Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Lakeshore Federal Credit Union
3.75%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $375
Share Certificates
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
Lakeshore Federal Credit Union CD score
80
CD score
Higher than 51% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.55%
- 31–60 months31–60 mo3.50%
- 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 Lakeshore Federal 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 Certificates
Up to 3.75%APY · 8 terms
Minimum deposit of $500.00 to open. Certificates may not be added on to during their term. Withdrawals are limited to the dividends that have been deposited to the certificate; withdrawals affecting original purchase amount subject to penalty. Automatically renews at the same term with a 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.50% | $173 |
| 12 months | 3.75% | $375 |
| 18 months | 3.55% | $537 |
| 24 months | 3.25% | $661 |
| 30 months | 3.25% | $832 |
| 36 months | 3.25% | $1,007 |
| 48 months | 3.25% | $1,365 |
| 60 months | 3.50% | $1,877 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificates
Up to 3.75%APY · 8 terms
Traditional and Roth IRAs may be put into a Certificate of Deposit to earn a higher rate of return.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.50% | $173 |
| 12 months | 3.75% | $375 |
| 18 months | 3.55% | $537 |
| 24 months | 3.25% | $661 |
| 30 months | 3.25% | $832 |
| 36 months | 3.25% | $1,007 |
| 48 months | 3.25% | $1,365 |
| 60 months | 3.50% | $1,877 |
Sources (2)
All captured Oct 5, 2026
Who can join Lakeshore 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
- Businesses and other legal entities located within Muskegon County are eligible for membership.
- Individuals who live in Muskegon County are eligible for membership.
- Individuals who work in Muskegon County are eligible for membership.
- Individuals who worship in Muskegon County are eligible for membership.
Employers and groups
- Employees of the credit union are eligible for membership.
- Organizations associated with eligible individuals are eligible for membership.
3 more ways to join
Military, government and schools
- Individuals who attend school in Muskegon County are eligible for membership.
Family and household
- Immediate family members or household members of a current or eligible member are eligible for membership.
- Spouses of persons who were within the field of membership at the time of their passing are eligible for membership.
Cost to join
- A $5.00 deposit is required to purchase a share in the credit union to open a savings account, and must remain in the account until it is closed out.
Membership information collected October 5, 2026.