Share Certificates
Maximize your returns and minimize your market risks with a federally insured share certificate.
Steady growth, federally insured.
Invest in your future with a Great Lakes Credit Union share certificate. Once your certificate matures, you can reinvest, or “ladder,” the funds into another certificate to keep earning more.1
- $1,000 minimum to open
- Terms up to 5 years
- Fixed rate of return2
- Federally insured by NCUA up to $250,000
Select your location to view rates.
Share Certificate Account Rates
Showing rates for
Effective Date 04/11/2026
| Share Certificate Account Rates Account Type | Minimum Deposit | Dividend Rate | APY* |
|---|---|---|---|
| Share Certificate Account Rates Account Type Save to Win 1yr1 | Minimum Deposit $25 min | Dividend Rate 0.150% | APY* 0.15% |
| Share Certificate Account Rates Account Type 3 mo Share Certificate 2 | Minimum Deposit $1,000 min | Dividend Rate 0.349% | APY* 0.35% |
| Share Certificate Account Rates Account Type 6 mo Share Certificate | Minimum Deposit $1,000 min | Dividend Rate 0.598% | APY* 0.60% |
| Share Certificate Account Rates Account Type PROMO 7 mo Share Certificate | Minimum Deposit $1,000 min | Dividend Rate 3.784% | APY* 3.85% |
| Share Certificate Account Rates Account Type Share Certificate 1 yr (Incl. IRA) 2 | Minimum Deposit $1,000 min | Dividend Rate 0.847% | APY* 0.85% |
| Share Certificate Account Rates Account Type Share Certificate 2 yr (Incl. IRA) 2 | Minimum Deposit $1,000 min | Dividend Rate 0.896% | APY* 0.90% |
| Share Certificate Account Rates Account Type Share Certificate 3 yr (Incl. IRA) 2 | Minimum Deposit $1,000 min | Dividend Rate 1.094% | APY* 1.10% |
| Share Certificate Account Rates Account Type Share Certificate 4 yr (Incl. IRA) 2 | Minimum Deposit $1,000 min | Dividend Rate 1.144% | APY* 1.15% |
| Share Certificate Account Rates Account Type Share Certificate 5 yr (Incl. IRA) 2 | Minimum Deposit $1,000 min | Dividend Rate 1.243% | APY* 1.25% |
| Share Certificate Account Rates Account Type Jumbo 1 yr | Minimum Deposit $100,000 | Dividend Rate 1.144% | APY* 1.15% |
| Share Certificate Account Rates Account Type Jumbo 2 yr | Minimum Deposit $100,000 | Dividend Rate 1.193% | APY* 1.20% |
| Share Certificate Account Rates Account Type Jumbo 3 yr | Minimum Deposit $100,000 | Dividend Rate 1.391% | APY* 1.40% |
| Share Certificate Account Rates Account Type Jumbo 4 yr | Minimum Deposit $100,000 | Dividend Rate 1.440% | APY* 1.45% |
| Share Certificate Account Rates Account Type Jumbo 5 yr | Minimum Deposit $100,000 | Dividend Rate 1.539% | APY* 1.55% |
| Share Certificate Account Rates Account Type Super Jumbo 1 yr | Minimum Deposit $250,000 | Dividend Rate 1.342% | APY* 1.35% |
| Share Certificate Account Rates Account Type Super Jumbo 2 yr | Minimum Deposit $250,000 | Dividend Rate 1.588% | APY* 1.60% |
| Share Certificate Account Rates Account Type Super Jumbo 3 yr | Minimum Deposit $250,000 | Dividend Rate 1.588% | APY* 1.60% |
| Share Certificate Account Rates Account Type Super Jumbo 4 yr | Minimum Deposit $250,000 | Dividend Rate 1.638% | APY* 1.65% |
| Share Certificate Account Rates Account Type Super Jumbo 5 yr | Minimum Deposit $250,000 | Dividend Rate 1.736% | APY* 1.75% |
*APY = Annual Percentage Yield. All dividend rates and APY may change at any time. The APYs shown above assume that all principal and dividends remain on deposit for the entire term. Fees could reduce earnings on the above accounts. Penalties apply for early withdrawal from Share Certificates. Additional account information is provided in separate Account Disclosures. Funds earn dividends from the first business day of deposit and are compounded daily and posted monthly. Accrued dividends are forfeited if the account is closed prior to monthly dividend posting. Fees or other conditions may reduce earnings.
¹ $25 Minimum to open account. Must maintain average daily balance of $25 to earn the above stated dividend. One withdrawal from the account, with a $25.00 penalty to be assessed at the time of withdrawal, is allowed during the term of the Save to Win® Certificate. If the early withdrawal reduces the principal below the minimum balance or a second withdrawal is performed in the 12-month term, the certificate will be closed. Great Lakes Credit Union will deduct from the share certificate principal amount to cover the penalty. Additional deposits are allowed during the term of this certificate. For every $25.00 increase in month over month balance, the certificate owner will earn one entry (up to 10 entries per month/30 entries per quarter) into the savings raffle. The Savings Promotion Raffle runs January – December, however certificates will mature 12 months after account opening. The Official Rules can be found online at www.savetowin.org and are provided upon opening the certificate.
² $1,000 Minimum to open account. Must maintain average daily balance of $1,000 to earn the above stated dividend.
Promotional Certificates will automatically renew into a standard Certificate at the current standard rate in effect at the time of renewal and term closest in length to the promotional Certificate. Rates are subject to change without notice. Early withdrawal penalties may apply. Please refer to our certificate terms and conditions for full details.
What’s a share certificate?
It’s a specialized type of savings account offered by credit unions. Like a CD, it lets you earn a higher interest rate than a regular savings account. In return, you “lock in” the rate and agree to make no withdrawals until the certificate’s maturity date or be subject to a penalty.
New to “laddering”?
A ladder lets you spread your investment over share certificates of different terms to manage risk, tap funds as needed, and even take advantage of a bump in rates. For instance, let’s say you have $10,000 to invest. You could split it into two $5,000 certificates or make four $2,500 investments in certificates of varying terms. When a shorter-term certificate matures, you reinvest the original amount plus interest earned in a new certificate. Simply repeat that strategy each time a share certificate matures to create a “ladder” of maturity dates. Use the Share Insurance Estimator to determine how to build your ladder to keep your total balance under NCUA insurance.
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Showing rates for:
1 APY = Annual Percentage Yield. All dividend rates and APY may change at any time.
2 APR = Annual Percentage Rate. Terms and conditions may apply.
2 APR = Annual Percentage Rate. Terms and conditions may apply.
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Disclosure:
1Our 6-month certificate automatically renews as a 12-month certificate at term end unless you choose to reinvest it in another account.
2APY = Annual Percentage Yield. All dividend rates and APY may change at any time. The APYs shown above assume that all principal and dividends remain on deposit for the entire term. Fees could reduce earnings on the above accounts. Penalties apply for early withdrawal from Share Certificates. Additional account information is provided in separate Account Disclosures. Funds earn dividends from the first business day of deposit and are compounded daily and posted monthly. Accrued dividends are forfeited if account is closed prior to monthly dividend posting. Fees or other conditions may reduce earnings.
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