1 CD, 1 IRA CDChecked Oct 10, 2026Updated
Lake Michigan CD rates
3.90%APY for 9 months, its best · as of Oct 10, 2026
- 9 months
- 3.90%Certificates of Deposit (CDs)
Visit Lake MichiganPlaces are among the CDs we track for that term, on $10,000. IRA CDs aren’t counted in the best rates.
Certificates of Deposit (CDs)
| Term | APY | On our list |
|---|---|---|
| 9 months | 3.90% | – |
Source: the bank’s page · checked Oct 10, 2026
- Minimum to open
- $500Source · checked Oct 10, 2026
- Early withdrawal penalty
- Early withdrawals from a CD may be subject to a significant interest penalty.Source · checked Oct 10, 2026
- Membership
- Open to anyone who qualifies through one of these:
- People who live, work, worship or attend school anywhere in Michigan’s lower peninsula or Florida
- Contribute $5 to the ALS (Amyotrophic Lateral Sclerosis) Foundation ($5)
- Family members of existing LMCU members
IRA CD IRA
| Term | APY | On our list |
|---|---|---|
| 5 years | 3.90% | – |
Source: the bank’s page · checked Oct 10, 2026
- Membership
- Open to anyone who qualifies through one of these:
- People who live, work, worship or attend school anywhere in Michigan’s lower peninsula or Florida
- Contribute $5 to the ALS (Amyotrophic Lateral Sclerosis) Foundation ($5)
- Family members of existing LMCU members
CD rates change often; the bank’s own page is the final word. We have fewer than three of this bank’s terms on record. Best CD rates by term · CD calculator · Report a mistake