Gaylord, Michigan Best CD Rates September 2026

VIP Bonus APY: 3.55%

For deposits of $1,000 to $99,999. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026.

Balance: $100

VIP Bonus APY: 3.40%

You are solely responsible for complying with any requirements including transaction limitations and penalties for early withdrawal under the Internal Revenue Code or other applicable Federal or State law governing any IRA or other Credit Union accounts.; Term Share, Youth, IRA, & HSA Certificates

Regular Term Share Certificates require a minimum balance of $50 to open. Regular term CDs allow additional add on deposits.; Term Share, Youth, IRA, & HSA Certificates

Balance: $250,000 and up

Balance: $150,000 - $249,000

Balance: $100,000 - $149,000

Balance: $500 - $99,999

CD, Traditional IRA CD & Roth IRA CD Accounts

CD, Traditional IRA CD & Roth IRA CD Accounts

Balance: $100,000+

CD, Traditional IRA CD & Roth IRA CD Accounts

CD, Traditional IRA CD & Roth IRA CD Accounts

When paired with an Ultra Checking account, earn up to 4.05% APY for 6 months

Limited Time 3 Month and 6 Month Share Certificates available on new Certificates. This is a promotional yield of 4.00% APY; Annual Percentage Yield (APY) is calculated on a 3.93% base rate. Yields are subject to change without notice. "Limited Time 3-Month and 6-Month" Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. $1,000.00 minimum balance, regular Share Certificate requirement on a 365-day basis compounding monthly or at account closure. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity.

Substantial penalty for early withdrawals.

IRA - Individual accounts only

Substantial penalty for early withdrawals.

*CD SPECIAL!* - 4.00% APY* - 6 month term *3.93% APR

High-Yield Rewards Checking Account required

1 - APY: Annual Percentage Yield

Rates also apply to IRA and HSA Certificates of Deposit.

Balance: $50,000 and above

Balance: $50,000 and above

18 Month IRA CD*

Substantial penalty for early withdrawals.

18 Month IRA CD*

Interest paid & compounded quarterly

The interest rate and APY may change after account opening

Cannot be compounded, interest paid at maturity

Interest paid monthly

1 - APY: Annual Percentage Yield

Rates also apply to IRA and HSA Certificates of Deposit.

Balance: $50,000 and above

Balance: $50,000 and above

Min: $500 Max: $10,000

Early withdrawal penalty on 12-month term or longer is 180-days loss of interest.