Its best CD
3.90%
APY for 9 months, as of Nov 8, 2026
1 CD, 1 IRA CD
Lake Michigan CD rates
Every CD we track from Lake Michigan, by term, with each term’s place among the CDs we track and its terms of business.
At each term
Its best rates
- 9 months3.90%Not ranked
Places are among the CDs we track for that term, on $10,000. IRA CDs aren’t counted in the best rates.
Every CD
Its CDs, by term
Certificates of Deposit (CDs)
9 months3.90%—
- Minimum to open
- $500lmcu.org, checked Nov 8, 2026
- Early withdrawal penalty
- No fee unless withdrawn before term endlmcu.org, checked Nov 8, 2026
- Where
- Michigan, Floridalmcu.org, checked Nov 8, 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
- Family members of existing LMCU members are also eligible. The page lists father, mother, brother, sister, son, daughter, grandmother, grandfather, or spouse as immediate family.
- Join from anywhere if you contribute $5 to the ALS (Amyotrophic Lateral Sclerosis) Foundation ($5)
The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.
60 Mo. IRA CD VIP
IRA5 years3.90%—
- Where
- Michigan, Floridalmcu.org, checked Nov 8, 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
- Family members of existing LMCU members are also eligible. The page lists father, mother, brother, sister, son, daughter, grandmother, grandfather, or spouse as immediate family.
- Join from anywhere if you contribute $5 to the ALS (Amyotrophic Lateral Sclerosis) Foundation ($5)
The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.
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