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Great Lakes Credit Union Rates & Review September 2026

Great Lakes Credit Union's PROMO 100 Day CD rates are at 4.25%, PROMO 7 mo CD rates are at 3.85%, CD 5 yr (Incl. IRA) rates are at 1.25%, CD 4 yr (Incl. IRA) rates are at 1.15%, CD 3 yr (Incl. IRA) rates are at 1.10%. Great Lakes Credit Union's savings rates are at 1.50%. Great Lakes Credit Union's money market rates are at 0.00%. Great Lakes Credit Union's Personal Loan Rates are at 4.99%. MonitorBankRates has no NCUA call report data for Great Lakes Credit Union, so it is not rated. Rates last updated and verified on 08/31/2026.

Great Lakes Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Great Lakes Credit Union? Share your experience about Great Lakes Credit Union by leaving a review below, or read customer reviews before you decide to use Great Lakes Credit Union.

Overall Health & Safety Grade ?
N/A
Not Rated No current filing
MonitorBankRates Rating ?
N/A
Not Rated No current filing
Texas Ratio ?
N/A
Not Rated No data

Great Lakes Credit Union CD Rates

Product Rate APY Term View More
PROMO 100 Day Share Certificate 4.17% 4.25% 100 days
Min Deposit $1,000
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.33%
PROMO 7 mo Share Certificate 3.78% 3.85% 7 months
Min Deposit $1,000
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.33%
Share Certificate 5 yr (Incl. IRA) 1.24% 1.25% 5 years
Min Deposit $1,000
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.33%
Share Certificate 4 yr (Incl. IRA) 1.14% 1.15% 4 years
Min Deposit $1,000
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.33%
Share Certificate 3 yr (Incl. IRA) 1.09% 1.10% 3 years
Min Deposit $1,000
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.33%
Share Certificate 2 yr (Incl. IRA) 0.90% 0.90% 2 years
Min Deposit $1,000
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.33%
Share Certificate 1 yr (Incl. IRA) 0.85% 0.85% 1 year
Min Deposit $1,000
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.33%
6 mo Share Certificate 0.60% 0.60% 6 months
Min Deposit $1,000
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.33%
3 mo Share Certificate 0.35% 0.35% 3 months
Min Deposit $1,000
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.33%
Save to Win 1yr 0.15% 0.15%
Min Deposit $25
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.33%

Great Lakes Credit Union Savings Rates

Product Rate APY View More
Health Savings Accounts - 1.50%
No additional details.
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.33%

Great Lakes Credit Union Money Market Rates

Product Rate APY View More
Money Market Account - 5.00%
Min Balance $0
Details Qualifications Required: 40 or more transactions per month; e-statements; Accounts with 40 or more transactions per month and e-statements. Balances $10,001 and above will earn .05% APY.
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.33%
Money Market Account - 2.75%
Min Balance $0
Details Qualifications Required: 20-39 debit card transactions per month; enrolled in e-statements; Accounts with 20-39 debit card transactions per month and enrolled in e-statements. Balances $10,001 and above will earn .05% APY.
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.33%
Business Money Market Account - 2.05%
Min Balance $100,000
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.33%
Business Money Markets - 2.05%
No additional details.
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.33%
Business Money Market Account - 1.50%
Min Balance $25,000
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.33%
Business Money Market Account - 0.75%
Min Balance $10,000
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.33%
Money Market Account - 0.50%
Min Deposit $1
Min Balance $1
Details Additional 1.00% APY with a qualifying Free Checking Account.
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.33%
Business Money Market Account - 0.25%
Min Balance $2,500
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.33%
Money Market Account - 0.05%
Min Balance $1
Details Qualifications Required: 0-19 debit card transactions per month; Accounts with 0-19 debit card transactions per month.
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.33%

Great Lakes Credit Union Checking Rates

Product Rate APY View More
Free Checking - 5.00%
Min Balance $10,000
Details Earn a competitive APY* on balances up to $10,000. Boost your rate when you add a money market account.
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.33%
Free Checking Account + Money Market - 1.00%
Details Qualifications Required: 40 or more debit card transactions; Accompanying Money Market account with 40 or more debit card transactions
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.33%
Free Checking Account + Money Market - 0.50%
Details Qualifications Required: 20-39 monthly debit card transactions; Accompanying Money Market account with 20-39 monthly debit card transactions
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.33%
Free Checking Account + Money Market - 0.00%
Details Qualifications Required: 0-19 monthly debit card transactions; Accompanying Money Market account with 0-19 monthly debit card transactions
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.33%

Great Lakes Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Loans - - 7.75%
No additional details.
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.33%

Great Lakes Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New & Previous Model Year (2025 & 2026) Auto Loan - - 4.99% 63 or Less
Details As Low As
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.33%
New Auto Loan - - 4.99% 63 months
Details Actual rate based on credit history, income, vehicle model year, mileage and other factors. Includes discount of 0.25% APR when you set up an automatic payment to pay your loan each month. Payment example: 63 month new auto loan of $20,000 with an APR of 4.99% will result in a monthly payment of $361.56.
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.33%
New & Previous Model Year (2025 & 2026) Auto Loan - - 5.24% 64-75
Details As Low As
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.33%
Used (2016 - 2024) Auto Loan - - 5.49% 63 or Less
Details As Low As
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.33%
New & Previous Model Year (2025 & 2026) Auto Loan - - 5.74% 76-84
Details As Low As
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.33%
Used (2016 - 2024) Auto Loan - - 5.74% 64-75
Details As Low As
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.33%
Used (2016 - 2024) Auto Loan - - 6.24% 76-84
Details As Low As
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.33%
Used Auto Loan - - 7.24% 63 months
Details Actual rate based on credit history, income, vehicle model year, mileage and other factors. Rates are subject to change at any time. Loan subject to credit approval. Rates include discount of 0.25% APR when you set up an automatic payment to pay your loan each month. Payment example: 63-month new auto loan of $20,000 with an APR of 7.24% will result in a monthly payment of $382.57.
Last Updated 08/31/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 6.33%

Financial Health History

Great Lakes Credit Union’s Texas Ratio rose from 1.55% in Q2 2023 to 6.33% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 3.8% 2.0★ 7.5% 3.0★ 11.3% 4.0★ 15% 5.0★ 15% Verified Healthy line 1.55% A+ Q2 2023 A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A Q3 2024 A Q4 2024 A Q1 2025 A Q2 2025 A Q3 2025 A Q4 2025 6.33% A Q1 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$1.4B6.33%5.0A
December 31, 2025$1.4B11.61%5.0A
September 30, 2025$1.4B9.19%5.0A
June 30, 2025$1.5B9.63%5.0A
March 31, 2025$1.5B7.85%5.0A
December 31, 2024$1.5B9.61%5.0A
September 30, 2024$1.5B7.97%5.0A
June 30, 2024$1.6B4.91%5.0A+
March 31, 2024$1.4B2.65%5.0A+
December 31, 2023$1.3B3.11%5.0A+
September 30, 2023$1.3B1.96%5.0A+
June 30, 2023$1.4B1.55%5.0A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Great Lakes Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Great Lakes Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Great Lakes Credit Union's official website for the most current offers and terms.
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Great Lakes Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://www.monitorbankrates.com/credit-unions/great-lakes-credit-union-rates-review-60238">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

Average Rating
★★★★★
Total Reviews
1
Add Your Rating and Review for Great Lakes Credit Union
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Frequently Asked Questions About Great Lakes Credit Union

How many branches does Great Lakes Credit Union operate?

Great Lakes Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Great Lakes Credit Union?

Yes, to access services at Great Lakes Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Great Lakes Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Great Lakes Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Great Lakes Credit Union offer online and mobile banking?

Most modern institutions like Great Lakes Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.glcu.org.

Current Great Lakes Credit Union Rates

  • Savings1.50%
  • MMA0.00%
Retrieved from our database of financial products. Rates subject to change.