Credit union · NCUA insured
Safe Harbor Credit Union CD Rates
Safe Harbor Credit Union’s best CD rate is 3.65% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Safe Harbor Credit Union’s CD rates compare
Compared with banks and credit unions near Ludington, MI, where Safe Harbor Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Safe Harbor Credit Union
3.65%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $181
High-Yield Time Deposit Accounts
Top rate
PNC
4.25%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $461
2nd-highest rate
Huntington Bank
4.10%APY
- Term
- 5 months
- Minimum
- $1,000
- Earns on $10,000
- $169
Safe Harbor Credit Union CD score
72
CD score
Higher than 32% of U.S. banks and credit unions
- 3–8 months3–8 mo3.65%
- 9–15 months9–15 mo3.39%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo2.80%
- QualifiedQualified3.65%
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 Safe Harbor 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.
High-Yield Time Deposit Accounts
Up to 3.65%APY · 6 terms
Early withdrawals subject to penalty. No setup or maintenance fees.
| Term | APY · $1,000 and up | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.65% | — | 3.65% | $181 |
| 12 months | 3.39% | — | 3.39% | $339 |
| 12 monthsJumbo certificate | — | 3.44% | —3.44% from $25k | — |
| 24 months | 3.00% | — | 3.00% | $609 |
| 24 monthsJumbo certificate | — | 3.04% | —3.04% from $25k | — |
| 36 months | 2.80% | — | 2.80% | $864 |
| 36 monthsJumbo certificate | — | 2.85% | —2.85% from $25k | — |
| 48 months | 2.60% | — | 2.60% | $1,081 |
| 48 monthsJumbo certificate | — | 2.65% | —2.65% from $25k | — |
| 60 months | 2.50% | — | 2.50% | $1,314 |
| 60 monthsJumbo certificate | — | 2.55% | —2.55% from $25k | — |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA Certificates
Up to 3.65%APY · 3 terms
Early withdrawals subject to penalty. No setup or maintenance fees. Includes Traditional IRA, Roth IRA, Roth Conversion IRA, and Education IRA certificates.
| Term | APY · $500 and up | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months1 Year IRA High Yield | 3.39% | — | 3.39% | $339 |
| 12 months1 Year IRA High Yield / JUMBO | — | 3.44% | —3.44% from $25k | — |
| 12 months1 Year Roth IRA High YLD | 3.65% | — | 3.65% | $365 |
| 24 months2 Year IRA High Yield | 3.00% | — | 3.00% | $609 |
| 24 months2 Year IRA High Yield / JUMBO | — | 3.04% | —3.04% from $25k | — |
| 24 months2 Year Roth IRA High YLD | 3.15% | — | 3.15% | $640 |
| 36 months3 Year IRA High Yield | 2.80% | — | 2.80% | $864 |
| 36 months3 Year IRA High Yield / JUMBO | — | 2.85% | —2.85% from $25k | — |
| 36 months3 Year Roth Conv IRA | 3.25% | — | 3.25% | $1,007 |
| 36 months3 Year Roth IRA High YLD | — | 3.25% | —3.25% from $25k | — |
Sources (2)
All captured Oct 16, 2026
Who can join Safe Harbor Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Current residents of the State of Michigan are eligible for membership.
Employers and groups
- Employees of Safe Harbor Credit Union are eligible for membership.
- Individuals belonging to an organization whose membership is made up of individuals eligible for membership are eligible to join.
Family and household
- Immediate family members of individuals eligible for membership are eligible to join.
Cost to join
- An initial $5 deposit into a Regular Share Account is required for full member/owner status.
Membership information collected October 5, 2026.