Florida CD rates › Credit unions › Lake Michigan
Credit union · HQ Grand Rapids, MI
✓ Verified 2026-10-01 from their own posted rate sheet
Lake Michigan currently posts 80 CD rates from 3.15% to 4.15% APY. Their sheet states an effective date of 10/01/26.
| Term | APY | Minimum | Details |
|---|---|---|---|
| 3 mo | 3.55% | $500 | VIP bonus rate |
| 3 mo | 3.40% | $500 | Includes 0.25% MORE VIP Relationship Reward Bonus |
| 3 mo | 3.30% | $500 | |
| 3 mo | 3.15% | $500 | |
| 5 mo | 3.55% | $500 | VIP bonus rate |
| 5 mo | 3.40% | $500 | VIP bonus rate |
| 5 mo | 3.30% | $500 | |
| 5 mo | 3.15% | $500 | |
| 6 mo | 3.55% | $500 | VIP bonus rate |
| 6 mo | 3.40% | $500 | VIP bonus rate |
| 6 mo | 3.30% | $500 | |
| 6 mo | 3.15% | $500 | |
| 7 mo | 3.55% | $500 | VIP bonus rate |
| 7 mo | 3.40% | $500 | VIP bonus rate |
| 7 mo | 3.30% | $500 | |
| 7 mo | 3.15% | $500 | |
| 8 mo | 3.55% | $500 | VIP bonus rate |
| 8 mo | 3.40% | $500 | VIP bonus rate |
| 8 mo | 3.30% | $500 | |
| 8 mo | 3.15% | $500 | |
| 9 mo | 4.05% | $500 | VIP bonus rate |
| 9 mo | 3.80% | $500 | |
| 10 mo | 3.55% | $500 | VIP bonus rate |
| 10 mo | 3.40% | $500 | VIP bonus rate |
| 10 mo | 3.30% | $500 | |
| 10 mo | 3.15% | $500 | |
| 11 mo | 3.55% | $500 | VIP bonus rate |
| 11 mo | 3.40% | $500 | VIP bonus rate |
| 11 mo | 3.30% | $500 | |
| 11 mo | 3.15% | $500 | |
| 1 yr | 3.60% | $500 | VIP bonus rate |
| 1 yr | 3.45% | $500 | VIP bonus rate |
| 1 yr | 3.35% | $500 | |
| 1 yr | 3.20% | $500 | |
| 13 mo | 3.60% | $500 | VIP bonus rate |
| 13 mo | 3.45% | $500 | VIP bonus rate |
| 13 mo | 3.35% | $500 | |
| 13 mo | 3.20% | $500 | |
| 14 mo | 3.60% | $500 | VIP bonus rate |
| 14 mo | 3.45% | $500 | VIP bonus rate |
| 14 mo | 3.35% | $500 | |
| 14 mo | 3.20% | $500 | |
| 15 mo | 3.60% | $500 | VIP bonus rate |
| 15 mo | 3.45% | $500 | VIP bonus rate |
| 15 mo | 3.35% | $500 | |
| 15 mo | 3.20% | $500 | |
| 17 mo | 3.60% | $500 | VIP bonus rate |
| 17 mo | 3.45% | $500 | VIP bonus rate |
| 17 mo | 3.35% | $500 | |
| 17 mo | 3.20% | $500 | |
| 18 mo | 3.65% | $500 | VIP bonus rate |
| 18 mo | 3.50% | $500 | VIP bonus rate |
| 18 mo | 3.40% | $500 | |
| 18 mo | 3.25% | $500 | |
| 2 yr | 3.65% | $500 | VIP bonus rate |
| 2 yr | 3.50% | $500 | VIP bonus rate |
| 2 yr | 3.40% | $500 | |
| 2 yr | 3.25% | $500 | |
| 25 mo | 3.65% | $500 | VIP bonus rate |
| 25 mo | 3.50% | $500 | VIP bonus rate |
| 25 mo | 3.40% | $500 | |
| 25 mo | 3.25% | $500 | |
| 30 mo | 3.70% | $500 | VIP bonus rate |
| 30 mo | 3.55% | $500 | VIP bonus rate |
| 30 mo | 3.45% | $500 | |
| 30 mo | 3.30% | $500 | |
| 3 yr | 3.75% | $500 | VIP bonus rate |
| 3 yr | 3.60% | $500 | VIP bonus rate |
| 3 yr | 3.50% | $500 | |
| 3 yr | 3.35% | $500 | |
| 4 yr | 3.90% | $500 | VIP bonus rate |
| 4 yr | 3.75% | $500 | VIP bonus rate |
| 4 yr | 3.65% | $500 | |
| 4 yr | 3.50% | $500 | |
| 5 yr | 4.15% | $500 | VIP bonus rate |
| 5 yr | 4.00% | $500 | VIP bonus rate |
| 5 yr | 3.90% | $500 | |
| 5 yr | 3.75% | $500 |
| Term | APY | Minimum | The catch / conditions |
|---|---|---|---|
| 9 mo | 3.90% promo | $500 | 9 Month CD (VIP Bonus) — VIP bonus rate |
| 9 mo | 3.65% promo | $500 | 9 Month CD — Featured rate |
Anyone who lives, works, attends school or worships in the Florida counties it serves can join, plus immediate family of members — check your county with the credit union. Family of existing members can generally join too.
24 branches in 8 counties: Charlotte (Port Charlotte) · Collier (Naples) · Hillsborough (Sun City Center, Tampa, Valrico) · Lee (Bonita Springs, Cape Coral, Estero) · Manatee (Bradenton) · Pinellas (Saint Petersburg) · Polk (Lakeland) · Sarasota (Sarasota)
Best Florida CD rates by term: 3 mo 6 mo 9 mo 1 yr 18 mo 2 yr 3 yr 4 yr 5 yr · by county · by city · all institutions