Credit union · NCUA insured
Limestone FCU CD Rates
Limestone FCU’s best CD rate is 4.10% APY on a 13-month share certificate (CD). Terms run from 6 months to 30 months. Rates checked October 16, 2026.
How Limestone FCU’s CD rates compare
Compared with banks and credit unions near Sault Ste. Marie, MI, where Limestone FCU has the most branches. $10,000, best rate first.
This credit union’s best
Limestone FCU
4.10%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $445
Certificate Accounts
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
Huntington Bank
4.10%APY
- Term
- 5 months
- Minimum
- $1,000
- Earns on $10,000
- $169
Limestone FCU CD score
81
CD score
Higher than 56% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo3.50%
- QualifiedQualified4.10%
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 Limestone FCU 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.
Certificate Accounts
Up to 4.10%APY · 8 terms
Dividends are compounded quarterly, and are computed by using the average daily balance method. Minimum amount for a Certificate Account: $1,000.00 - Regular Certificate, $50,000.00 – Jumbo Certificate, $100,000.00 - Jumbo Certificate. Grace period is 10 days. Early withdrawal penalty: 90 days dividends.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.50% | $173 |
| 9 months | 3.75% | $280 |
| 12 months | 3.75% | $375 |
| 13 months | 4.10% | $445 |
| 14 months | 3.75% | $439 |
| 18 months | 3.50% | $530 |
| 24 months | 3.50% | $712 |
| 30 months | 3.50% | $898 |
Sources (1)
- limestonefcu.com/accounts/inve…nts/certificate-accounts · captured Oct 5, 2026
Special-purpose accounts
IRA Certificate Account
3.50%APY · 1 term
To set-up an IRA Certificate Account, you must have an IRA established with Limestone FCU first (set up in branch).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsMust have an IRA established with Limestone FCU first | 3.50% | $530 |
Sources (1)
- limestonefcu.com/accounts/inve…/ira-certificate-account · captured Oct 5, 2026
Who can join Limestone FCU
This may be incomplete or out of date, so check with the credit union before you apply.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, and businesses and other legal entities located in the State of Michigan are eligible to join.
Family and household
- Members of the immediate family or household of eligible persons can join.
- Spouses of persons who died while within the field of membership of this credit union are eligible to join.
Other ways
- Employees of Limestone FCU are eligible to join.
- Organizations of eligible persons are eligible to join.
- Volunteers in the community are eligible to join.
Cost to join
- To become a member, you must deposit $5.00 in a share account at the Credit Union.
Membership information collected October 5, 2026.