Grand Rapids, Michigan CD Rates Today - Compare Best APYs for June 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Grand Rapids, Michigan CD rates include Meijer Credit UnionMeijer Credit Union2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830A+5.0 ★Texas Ratio: 5.57%Real return: +1.30%APY minus CPI (February 2026) offering IRA Certificate of Deposit - 6 Months at 4.10% APY, Maui Teachers Federal Credit UnionMaui Teachers Federal Credit Union6000 28th St SE, Grand Rapids, MI 49546 6927A+5.0 ★Texas Ratio: 0.00%Real return: +1.26%APY minus CPI (February 2026) offering 6 Month Share Certificate SPECIAL! at 4.06% APY, Dfcu Financial Credit UnionDfcu Financial Credit Union641 44th St SE, Grand Rapids, MI 49548 7525A+5.0 ★Texas Ratio: 1.02%Real return: +1.20%APY minus CPI (February 2026) offering Share Certificates 6 month at 4.00% APY, First National Bank of America (FNBA)First National Bank of America (FNBA)4660 Kalamazoo Ave Se, Grand Rapids, MI 49508A5.0 ★Texas Ratio: 13.60%Real return: +1.20%APY minus CPI (February 2026) offering 60 Month at 4.00% APY, and First National Bank of MichiganFirst National Bank of Michigan141 Ionia Ave Nw, Grand Rapids, MI 49503A+5.0 ★Texas Ratio: 0.44%Real return: +1.17%APY minus CPI (February 2026) offering 3-Year Rising Rate Certificate of Deposit - Year 3 term at 3.97% APY. CD rates as of June 23, 2026 according to verified data from MonitorBankRates.
Grand Rapids has 207 local institutions in our database, with CD rates as high as 4.10% APY from Meijer Credit Union at 2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Michigan area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: June 23, 2026
Compare Best CD Rates in Grand Rapids, Michigan & the Surrounding Area
Grand Rapids 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
641 44th St SE, Grand Rapids, MI 49548 7525
Business Share Certificates 3 month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
641 44th St SE, Grand Rapids, MI 49548 7525
Share Certificates 3 month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
3 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
3 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
4635 44th St SE, Grand Rapids, MI 49512
90 Day
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Comerica
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
99 Monroe Ave Nw, Grand Rapids, MI 49503
90-day fixed-rate CD
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
86 Monroe Center St NW, Grand Rapids, MI 49503
3-Month Certificate or IRA-HSA Jumbo
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
86 Monroe Center St NW, Grand Rapids, MI 49503
3-Month Certificate or IRA-HSA
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
90 Day
$0
2.63%
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
90 Day
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
90 Day
$0
2.22%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
90 Day Certificate of Deposit
$0
2.17%
▼
Rate2.15%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
90 Day
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
310 Leonard St Nw, Grand Rapids, MI 49504
3 Month
$0
2.01%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
90 Day Certificate of Deposit
$0
1.97%
▼
Rate1.95%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
90 Day Certificate of Deposit
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
3 Months
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
APY with Bonus Rate: 1.35%. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1319 Front Ave NW, Grand Rapids, MI 49504
3 Month CD
$500
0.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
3-Month Share Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Highpoint Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
90 Day (3 Month)
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
90 Day
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
90 Day Youth
$100
3.29%
▼
Rate3.25%
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
The Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
Term Share Certificates 3 Month
$500
2.50%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Rate2.25%
Min Deposit$5,000
Min Balance—
UpdatedJun 16, 2026
Details
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
3 MONTH CERTIFICATE
$0
2.02%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
3 Month Tier 3
$0
1.60%
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
3 Month Tier 2
$0
1.55%
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
CD Gold 3 Month
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
IRA 3 Month
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
IRA CD Gold 3 Month
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
3 Month Tier 1
$0
1.50%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Rate1.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Northern Interstate Bank, N. A.
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3 Month CD
$1,000
1.10%
▼
Rate1.10%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Rate1.10%
Min Deposit$50
Min Balance—
UpdatedJun 16, 2026
Details
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Interest Paid: Maturity
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit - 3 Months
$0
1.00%
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
G. W. Jones Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
31 - 90 Days
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Grand Rapids 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
IRA Certificate of Deposit - 6 Months
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6000 28th St SE, Grand Rapids, MI 49546 6927
6 Month Share Certificate SPECIAL!
$2,500
4.06%
▼
Rate4.00%
Min Deposit$2,500
Min Balance—
UpdatedJun 23, 2026
Details
NEW MONEY ONLY!!! *APY - Annual Percentage Yield. Rates are accurate as of 01/01/2026 and are subject to change without notice
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
641 44th St SE, Grand Rapids, MI 49548 7525
Business Share Certificates 6 month
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
641 44th St SE, Grand Rapids, MI 49548 7525
Share Certificates 6 month
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6000 28th St SE, Grand Rapids, MI 49546 6927
6 month Share Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
Rising Rate Certificate of Deposit - Third 6-month Term
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
6 Month
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
641 44th St SE, Grand Rapids, MI 49548 7525
Business Share Certificates 6 month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
641 44th St SE, Grand Rapids, MI 49548 7525
Share Certificates 6 month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Bloom Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
4833 Town Center Dr SE, Grand Rapids, MI 49512 9728
6 Month CD Special
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Bloom Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
4833 Town Center Dr SE, Grand Rapids, MI 49512 9728
6 month term
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Limited time offer. Rates subject to change. A penalty may be imposed for early withdrawal. $5.00 Savings Account required. Offer available for a limited time. Fees could reduce earnings. Jumbo CD ($100,000 plus) rate bumps available, though not on CD Specials. Corresponding 3.69% APR.
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1319 Front Ave NW, Grand Rapids, MI 49504
6 Month CD Special
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
310 Leonard St Nw, Grand Rapids, MI 49504
6 Month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Bloom Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
4833 Town Center Dr SE, Grand Rapids, MI 49512 9728
6 Month CD Special
$0
3.69%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
Rising Rate Certificate of Deposit - Second 6-month Term
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
86 Monroe Center St NW, Grand Rapids, MI 49503
6-Month Certificate or IRA-HSA Jumbo
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
6000 28th St SE, Grand Rapids, MI 49546
6 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
6000 28th St SE, Grand Rapids, MI 49546
6 Months (Youth)
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
6000 28th St SE, Grand Rapids, MI 49546
Certificates of Deposit - 6 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
6000 28th St SE, Grand Rapids, MI 49546
Certificates of Deposit - 6 Months (Youth)
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
630 32nd St SE, Grand Rapids, MI 49548 2306
6 month CD
$500
3.45%
▼
Rate3.41%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
630 32nd St SE, Grand Rapids, MI 49548 2306
6-Month CD
$500
3.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Rates are valid as of 6/7/2026 and subject to change without notice. Fees or penalties could reduce earnings. Early withdrawal penalty on 6-month certificate is 90-days loss of interest.
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
Rising Rate Certificate of Deposit - First 6-month Term
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
86 Monroe Center St NW, Grand Rapids, MI 49503
6-Month Certificate or IRA-HSA
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
6 Month
$0
2.89%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
6 Month
$0
2.68%
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
6 Month
$0
2.48%
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
6 Month Certificate of Deposit
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
6 Month
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
6 Month Certificate of Deposit
$0
2.22%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
6 Month Certificate of Deposit
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
6 Months
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
APY with Bonus Rate: 1.60%. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1319 Front Ave NW, Grand Rapids, MI 49504
6 Month CD
$500
1.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
6 month - 4H or FFA CD
$0
5.05%
▼
Rate4.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Max $5,000
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Youth Certificates 6 months
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
FEATURED RATE
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
6 Month Certificate of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
6 Month IRA Certificate of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
Safe Harbor Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
6 Month High Yield
$1,000
3.90%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
180 Day
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
180 Day Youth
$100
3.80%
▼
Rate3.75%
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.84%
6 MONTH YOUTH CD
$100
3.79%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
6 Month
$0
3.79%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 11, 2026
Details
Community Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
6 Month Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Youth Certificates ($200 min. $1000 max). Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
Youth Certificate 6 Month
$50
3.66%
▼
Rate3.60%
Min Deposit$50
Min Balance—
UpdatedJun 16, 2026
Details
APY will vary depending on the initial certificate deposit amount. There is a penalty for early withdrawal.
Grand Rapids 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
12 Month
$0
3.95%
▼
Rate3.89%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
IRA Certificate of Deposit - 12 Months
$0
3.90%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
630 32nd St SE, Grand Rapids, MI 49548 2306
Save to Win CD 12 month
$25
3.75%
▼
Rate3.70%
Min Deposit$25
Min Balance—
UpdatedJun 16, 2026
Details
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
310 Leonard St Nw, Grand Rapids, MI 49504
12 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★Texas Ratio: 13.86%
670 Cascade West Pkwy Se, Grand Rapids, MI 49546
12 month CD
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
86 Monroe Center St NW, Grand Rapids, MI 49503
1-Year Add-On Certificate or IRA-HSA Jumbo
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
630 32nd St SE, Grand Rapids, MI 49548 2306
12 month CD
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
630 32nd St SE, Grand Rapids, MI 49548 2306
12-Month CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Rates are valid as of 6/7/2026 and subject to change without notice. Fees or penalties could reduce earnings. Early withdrawal penalty on 12-month term or longer is 180-days loss of interest.
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
641 44th St SE, Grand Rapids, MI 49548 7525
Business Share Certificates 1 year
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
641 44th St SE, Grand Rapids, MI 49548 7525
Share Certificates 1 year
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Bloom Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
4833 Town Center Dr SE, Grand Rapids, MI 49512 9728
12 Month CD Special
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Bloom Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
4833 Town Center Dr SE, Grand Rapids, MI 49512 9728
12 month term
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Limited time offer. Rates subject to change. A penalty may be imposed for early withdrawal. $5.00 Savings Account required. Offer available for a limited time. Fees could reduce earnings. Jumbo CD ($100,000 plus) rate bumps available, though not on CD Specials. Corresponding 3.44% APR.
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1319 Front Ave NW, Grand Rapids, MI 49504
12 Month CD Special
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Bloom Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
4833 Town Center Dr SE, Grand Rapids, MI 49512 9728
12 Month CD Special
$0
3.44%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
1 Year
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
86 Monroe Center St NW, Grand Rapids, MI 49503
1-Year Add-On Certificate or IRA-HSA
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
6000 28th St SE, Grand Rapids, MI 49546
1 Year
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
6000 28th St SE, Grand Rapids, MI 49546
Certificates of Deposit - 1 Year
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
1 Year
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
12 Month CD
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
VIP Bonus Rate: 3.397%, VIP Bonus APY: 3.45%
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
12 Month IRA/HSA CD
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
VIP Bonus Rate: 3.397%, VIP Bonus APY: 3.45%
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
4635 44th St SE, Grand Rapids, MI 49512
12 Month
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
1 Year
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
1 Year Certificate of Deposit
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
1 Year
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
1 Year Certificate of Deposit
$0
2.73%
▼
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
1 Year Certificate of Deposit
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Comerica
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
99 Monroe Ave Nw, Grand Rapids, MI 49503
12-month fixed-rate CD
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
1166 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
2900 Charlevoix Dr, Grand Rapids, MI 49546
12 Months
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
12 Months
$0
1.55%
▼
Rate1.54%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
APY with Bonus Rate: 1.65%. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1319 Front Ave NW, Grand Rapids, MI 49504
12 Month CD
$500
1.26%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6000 28th St SE, Grand Rapids, MI 49546 6927
1 Year Share Certificate
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
12 Month Youth Special
$0
5.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Youth Special
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
12 Month Super Kids
$100
5.00%
▼
Rate4.91%
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 90 days interest
People Driven Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
1 Year Youth
$0
4.50%
▼
Rate4.43%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.84%
1 YEAR YOUTH CD
$100
4.34%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.84%
1 YEAR CERTIFICATE
$500
4.08%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
12 Month
$500
4.06%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
12 Month Youth
$100
4.06%
▼
Rate4.00%
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
12 Month YOUTH Certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Certificate rates remain fixed for the term of the certificate.
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Youth Certificates ($200 min. $1000 max). Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
12 Month Youth CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Youth CDs are available for members 18 years and under. Certificate must be opened under youth's name and SSN. The CD must have the same joint member as the savings account it is tied to.
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
12 Month Certificate of Deposit
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
12 Month IRA Certificate of Deposit
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
University of Michigan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.61%
12 Month Certificate
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Jumbo Certificates ($25,000 min.). Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
12 Months Certificate
$0
3.77%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Certificate rates remain fixed for the term of the certificate.
Grand Rapids 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
18 Month
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
18 Month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
630 32nd St SE, Grand Rapids, MI 49548 2306
18 month CD
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
630 32nd St SE, Grand Rapids, MI 49548 2306
18-Month CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Rates are valid as of 6/7/2026 and subject to change without notice. Fees or penalties could reduce earnings. Early withdrawal penalty on 12-month term or longer is 180-days loss of interest.
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
641 44th St SE, Grand Rapids, MI 49548 7525
Business Share Certificates 18 month
$100,000
3.50%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
641 44th St SE, Grand Rapids, MI 49548 7525
Share Certificates 18 month
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
18 Month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
86 Monroe Center St NW, Grand Rapids, MI 49503
18 Month Certificate or IRA-HSA
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
641 44th St SE, Grand Rapids, MI 49548 7525
Business Share Certificates 18 month
$25,000
3.35%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedJun 16, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
641 44th St SE, Grand Rapids, MI 49548 7525
Share Certificates 18 month
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
310 Leonard St Nw, Grand Rapids, MI 49504
18 Month
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
18 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
641 44th St SE, Grand Rapids, MI 49548 7525
Business Share Certificates 18 month
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
641 44th St SE, Grand Rapids, MI 49548 7525
Share Certificates 18 month
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
18 Month CD
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
VIP Bonus Rate: 3.445%, VIP Bonus APY: 3.50%
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
18 Month IRA/HSA CD
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
VIP Bonus Rate: 3.445%, VIP Bonus APY: 3.50%
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
18 Month Certificate of Deposit
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
18 Month
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6000 28th St SE, Grand Rapids, MI 49546 6927
18 Month Share Certificate SPECIAL
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
18 Month Certificate of Deposit
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
4635 44th St SE, Grand Rapids, MI 49512
18 Month
$500
2.93%
▼
Rate2.90%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
18 Month Certificate of Deposit
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
18 Months
$0
1.60%
▼
Rate1.59%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
APY with Bonus Rate: 1.70%. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1319 Front Ave NW, Grand Rapids, MI 49504
18 Month CD
$500
1.26%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
1166 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
2900 Charlevoix Dr, Grand Rapids, MI 49546
18 Months
$0
0.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Featured rate
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
18-Month Special
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
At maturity, the CD will be renewed into a 24-month CD.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
18-Month Variable
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18 Month
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18 Month Youth
$100
3.80%
▼
Rate3.75%
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
18 Months Regular
$2,500
3.75%
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
Interest paid monthly; Interest paid quarterly; APY (Interest paid & compounded quarterly): 3.80%
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
18 Months Certificate
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Certificate rates remain fixed for the term of the certificate.
Dearborn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
18 MONTH VARIABLE RATE IRA
$100
3.66%
▼
Rate3.60%
Min Deposit$100
Min Balance—
UpdatedJun 23, 2026
Details
The interest rate and APY may change after account opening
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
18 Month Certificate of Deposit
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
18 Month IRA Certificate of Deposit
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Penalty for early withdrawal.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
IRA Certificate 18 months
$0
3.64%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Penalty for early withdrawal.
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
18 Month Heroes Cert / IRA
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividends Paid: Monthly. Penalties: 180 days*
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
18 MONTH CERTIFICATE
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18 MO IRA Certificate
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18 Month CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
Share Certificate 18 Months
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit - 18 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
Relationship CD 18-Months
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Max: $10,000
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
18 Month
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Journey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
Share Certificates and IRA Certificates 18 Month
$500
3.40%
▼
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
See disclosure on specific details on individual accounts. Rates and Terms are subject to change at any time.
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
CD Tier I 18 Months
$0
3.35%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
CD: Tier V 18 months
$0
3.35%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
minimum $250,000
Grand Rapids 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
2 Year
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
24 Month
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
IRA Certificate of Deposit - 24 Months
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
2 Year
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
86 Monroe Center St NW, Grand Rapids, MI 49503
2-Year Certificate or IRA-HSA Jumbo
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
86 Monroe Center St NW, Grand Rapids, MI 49503
2-Year Certificate or IRA-HSA
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
2 Year
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
2 Year Certificate of Deposit
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
2 Year
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
630 32nd St SE, Grand Rapids, MI 49548 2306
24 month CD
$500
3.30%
▼
Rate3.26%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
2 Year Certificate of Deposit
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
24 Month CD
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
VIP Bonus Rate: 3.445%, VIP Bonus APY: 3.50%
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
24 Month IRA/HSA CD
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
VIP Bonus Rate: 3.445%, VIP Bonus APY: 3.50%
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
310 Leonard St Nw, Grand Rapids, MI 49504
24 Month
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
2 Year Certificate of Deposit
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
4635 44th St SE, Grand Rapids, MI 49512
24 Month
$500
2.88%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
6000 28th St SE, Grand Rapids, MI 49546
2 Years
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
6000 28th St SE, Grand Rapids, MI 49546
Certificates of Deposit - 2 Years
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
641 44th St SE, Grand Rapids, MI 49548 7525
Share Certificates 2 year
$100,000
2.20%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
641 44th St SE, Grand Rapids, MI 49548 7525
Share Certificates 2 year
$25,000
2.00%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedJun 16, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
24 Months
$0
1.95%
▼
Rate1.94%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
APY with Bonus Rate: 2.05%. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1319 Front Ave NW, Grand Rapids, MI 49504
24 Month CD
$500
1.76%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
641 44th St SE, Grand Rapids, MI 49548 7525
Share Certificates 2 year
$1,000
1.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
1166 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
2900 Charlevoix Dr, Grand Rapids, MI 49546
24 Months
$0
0.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
24 Month Certificate
$0
4.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
IRA & SHARE CERTIFICATES 2 YEAR
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
24 Month Youth CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Youth CDs are available for members 18 years and under. Certificate must be opened under youth's name and SSN. The CD must have the same joint member as the savings account it is tied to.
Rate3.76%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
Jumbo and Jumbo IRA Certificates - 2 Years
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
$100,000 and Above
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
Jumbo and Jumbo IRA Certificates 2 Years
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
$100,000 and Above; Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Penalty for early withdrawal.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
IRA Certificate 2 Years
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Penalty for early withdrawal.
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Youth Certificates 24 months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
24 Months Regular
$2,500
3.75%
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
Interest paid monthly; Interest paid quarterly; APY (Interest paid & compounded quarterly): 3.80%
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
24 Month CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
24 Month IRA CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
Share Certificates and IRA Certificates - 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Extra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Fixed-Rate Certificates 24 Months
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal.
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
IRA - 24 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
24 Months Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Certificate rates remain fixed for the term of the certificate.
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
24 Months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
I.R.A Certificates ($250 min.). Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
24 MONTH CERTIFICATE
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
24 MONTH CD
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
IRA Certificate 2 Year
$50
3.51%
▼
Rate3.46%
Min Deposit$50
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
Share Certificate 2 Year
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Youth Certificates ($200 min. $1000 max). Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply
Grand Rapids 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
3-Year Rising Rate Certificate of Deposit - Year 3 term
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
36 Month
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
3-Year Certificate of Deposit
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
86 Monroe Center St NW, Grand Rapids, MI 49503
3-Year Certificate or IRA-HSA Jumbo
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
3-Year Rising Rate Certificate of Deposit - Blended APY
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
3-Year Rising Rate Certificate of Deposit - Year 2 term
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
3 Year
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
86 Monroe Center St NW, Grand Rapids, MI 49503
3-Year Certificate or IRA-HSA
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
IRA Certificate of Deposit - 36 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
3 Year
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
3-Year Rising Rate Certificate of Deposit - Year 1 term
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
36 Month IRA/HSA CD
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
VIP Bonus Rate: 3.542%, VIP Bonus APY: 3.60%
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
36 Month CD
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
VIP Bonus Rate: 3.542%, VIP Bonus APY: 3.60%
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
630 32nd St SE, Grand Rapids, MI 49548 2306
36 month CD
$500
3.30%
▼
Rate3.26%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
3 Year
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
3 Year Certificate of Deposit
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
3 Year
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
310 Leonard St Nw, Grand Rapids, MI 49504
36 Month
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
3 Year Certificate of Deposit
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
3 Year Certificate of Deposit
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
4635 44th St SE, Grand Rapids, MI 49512
36 Month
$500
2.68%
▼
Rate2.65%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
6000 28th St SE, Grand Rapids, MI 49546
3 Years
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
6000 28th St SE, Grand Rapids, MI 49546
Certificates of Deposit - 3 Years
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
1166 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
2900 Charlevoix Dr, Grand Rapids, MI 49546
36 Months
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
641 44th St SE, Grand Rapids, MI 49548 7525
Share Certificates 3 year
$0
2.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
641 44th St SE, Grand Rapids, MI 49548 7525
Business Share Certificates 3 year
$0
2.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1319 Front Ave NW, Grand Rapids, MI 49504
36 Month CD
$500
2.02%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
641 44th St SE, Grand Rapids, MI 49548 7525
Business Share Certificates 3 year
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
641 44th St SE, Grand Rapids, MI 49548 7525
Share Certificates 3 year
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
36 Months
$0
2.00%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
APY with Bonus Rate: 2.10%. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
641 44th St SE, Grand Rapids, MI 49548 7525
Business Share Certificates 3 year
$0
1.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
641 44th St SE, Grand Rapids, MI 49548 7525
Share Certificates 3 year
$0
1.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
Share Certificates and IRA Certificates - 36 Month
$0
4.25%
▼
Rate4.17%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
36 Month Youth CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Youth CDs are available for members 18 years and under. Certificate must be opened under youth's name and SSN. The CD must have the same joint member as the savings account it is tied to.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
Jumbo and Jumbo IRA Certificates - 3 Years
$0
3.89%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
$100,000 and Above
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
Jumbo and Jumbo IRA Certificates 3 Years
$0
3.89%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
$100,000 and Above; Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
36-Month Variable
$0
3.89%
▼
Rate3.82%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
Rate3.82%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Penalty for early withdrawal.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
IRA Certificate 3 Years
$0
3.83%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Penalty for early withdrawal.
Extra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Fixed-Rate Certificates 36 Months
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal.
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
36 Months Regular
$2,500
3.75%
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
Interest paid monthly; Interest paid quarterly; APY (Interest paid & compounded quarterly): 3.80%
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
36 Month
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 180 days interest
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
IRA Certificate 36 Month
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 180 days interest
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
IRA - 36 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
36 Months
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
36 MONTH CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
IRA & SHARE CERTIFICATES 3 YEAR
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Grand Rapids 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
48 Month
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
86 Monroe Center St NW, Grand Rapids, MI 49503
4-Year Certificate or IRA-HSA Jumbo
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
86 Monroe Center St NW, Grand Rapids, MI 49503
4-Year Certificate or IRA-HSA
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
IRA Certificate of Deposit - 48 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
48 Month CD
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
VIP Bonus Rate: 3.687%, VIP Bonus APY: 3.75%
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
48 Month IRA/HSA CD
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
VIP Bonus Rate: 3.687%, VIP Bonus APY: 3.75%
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
4 Year
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
630 32nd St SE, Grand Rapids, MI 49548 2306
48 month CD
$500
3.40%
▼
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
4 Year
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
310 Leonard St Nw, Grand Rapids, MI 49504
48 Month
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
4 Year
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
4 Year Certificate of Deposit
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
4 Year
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
4 Year Certificate of Deposit
$0
2.70%
▼
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
4 Year Certificate of Deposit
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
4635 44th St SE, Grand Rapids, MI 49512
48 Month
$500
2.47%
▼
Rate2.45%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
4635 44th St SE, Grand Rapids, MI 49512
48 Month - Traditional or Roth
$1,000
2.42%
▼
Rate2.40%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
48 Months
$0
2.05%
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
APY with Bonus Rate: 2.15%. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.
Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
6000 28th St SE, Grand Rapids, MI 49546
4 Years
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
6000 28th St SE, Grand Rapids, MI 49546
Certificates of Deposit - 4 Years
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1319 Front Ave NW, Grand Rapids, MI 49504
48 Month CD
$500
1.16%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
Share Certificates and IRA Certificates - 48 Month
$0
4.50%
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
Jumbo and Jumbo IRA Certificates - 4 Years
$0
3.96%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
$100,000 and Above
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
Jumbo and Jumbo IRA Certificates 4 Years
$0
3.96%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
$100,000 and Above; Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.
Rate3.86%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Penalty for early withdrawal.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
IRA Certificate 4 Years
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Penalty for early withdrawal.
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
IRA - 48 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
CD: Tier V 48 months
$0
3.70%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
minimum $250,000
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
48 Months
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
CD Tier I 48 Months
$0
3.65%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
IRA Certificates 48 mos*
$0
3.65%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
48 MONTH CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
IRA & SHARE CERTIFICATES 4 YEAR
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
IRA Certificate 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Regular Certificate 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit - 48 Months
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
48 Months Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Certificate rates remain fixed for the term of the certificate.
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
I.R.A Certificates ($250 min.). Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
48 MONTH CERTIFICATE
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 26.46%
48 MO GOLDEN CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
48 MONTH CD
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
48-Month Fixed
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
48-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
48 Month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 180 days interest
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
IRA Certificate 48 Month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 180 days interest
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
Share Certificate 4 Year
$0
3.40%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Grand Rapids 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
60 Month
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
86 Monroe Center St NW, Grand Rapids, MI 49503
5-Year Certificate or IRA-HSA Jumbo
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
86 Monroe Center St NW, Grand Rapids, MI 49503
5-Year Certificate or IRA-HSA
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
60 Month CD
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
VIP Bonus Rate: 3.928%, VIP Bonus APY: 4.00%
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
60 Month IRA/HSA CD
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
VIP Bonus Rate: 3.928%, VIP Bonus APY: 4.00%
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
IRA Certificate of Deposit - 60 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
5 Year
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
630 32nd St SE, Grand Rapids, MI 49548 2306
60 month CD
$500
3.40%
▼
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
5 Year
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
310 Leonard St Nw, Grand Rapids, MI 49504
60 Month
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
5 Year
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
5 Year Certificate of Deposit
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
5 Year
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
5 Year Certificate of Deposit
$0
2.73%
▼
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
5 Year Certificate of Deposit
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
641 44th St SE, Grand Rapids, MI 49548 7525
Business Share Certificates 5 year
$100,000
2.20%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
60 Months
$0
2.10%
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
APY with Bonus Rate: 2.20%. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
641 44th St SE, Grand Rapids, MI 49548 7525
Business Share Certificates 5 year
$25,000
2.00%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedJun 16, 2026
Details
Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
6000 28th St SE, Grand Rapids, MI 49546
5 Years
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
6000 28th St SE, Grand Rapids, MI 49546
Certificates of Deposit - 5 Years
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
641 44th St SE, Grand Rapids, MI 49548 7525
Business Share Certificates 5 year
$1,000
1.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1319 Front Ave NW, Grand Rapids, MI 49504
60 Month CD
$500
1.31%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
Share Certificates and IRA Certificates - 60 Month
$0
4.50%
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
Jumbo and Jumbo IRA Certificates - 5 Years
$0
4.11%
▼
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
$100,000 and Above
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
Jumbo and Jumbo IRA Certificates 5 Years
$0
4.11%
▼
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
$100,000 and Above; Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.
Extra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Fixed-Rate Certificates 60 Months
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
IRA Certificate 5 Years
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Penalty for early withdrawal.
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Penalty for early withdrawal.
Rate3.90%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
IRA - 60 Month
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
60 Month CD
$0
3.85%
▼
Rate3.79%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
CD Tier I 60 Months
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
CD: Tier V 60 months
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
minimum $250,000
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
IRA Certificates 60 mos*
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
60 Months
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
IRA & SHARE CERTIFICATES 5 YEAR
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
IRA Certificate 60 Month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Regular Certificate 60 Month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
60 MONTH CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
60 Months Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Certificate rates remain fixed for the term of the certificate.
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
I.R.A Certificates ($250 min.). Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
Certificates 60 Months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice.
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
60 MONTH CERTIFICATE
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 26.46%
60 MO GOLDEN CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
60 MONTH CD
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
IRA Certificate 60 Month
$0
3.54%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Dearborn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
5 YEARS
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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Grand Rapids, MI CD Rate Trends
Compare local Grand Rapids, MI CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — MI Avg
2.691%
▼ 0.036 vs 7 days ago
Michigan 12-month CD rates fell 0.036 points over the past 7 days to 2.691% APY.
6-Month CD — MI Avg
2.779%
▼ 0.020 vs 7 days ago
Michigan 6-month CD rates fell 0.020 points over the past 7 days to 2.779% APY.
As of Jun 24, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
MI CD Rate Forecast — Next 12 Months
Where are Michigan CD rates headed through June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MI 12-Month Avg APY
2.691%
6-Month Forecast
2.691%
Range: 2.49% – 2.84%
12-Month Forecast
2.441%
Range: 2.24% – 2.59%
Powered by
MonitorBankRates
What Your Savings Earn at MI CD Rates Today
Annual interest earnings at today’s Michigan average APYs. State average used where available; national average as fallback.
| CD Term | MI Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.635% | $131.73 | $263.46 | $658.65 | $1,317.30 |
| 6-Month CD | 2.779% | $138.96 | $277.91 | $694.78 | $1,389.55 |
| 12-Month CD | 2.691% | $134.55 | $269.09 | $672.73 | $1,345.45 |
| 18-Month CD | 2.857% | $142.87 | $285.73 | $714.33 | $1,428.65 |
| 24-Month CD | 2.644% | $132.22 | $264.43 | $661.08 | $1,322.15 |
| 36-Month CD | 2.654% | $132.70 | $265.40 | $663.50 | $1,327.00 |
| 48-Month CD | 2.748% | $137.42 | $274.83 | $687.08 | $1,374.15 |
| 60-Month CD | 2.838% | $141.89 | $283.78 | $709.45 | $1,418.90 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 23, 2026. | |||||
Sample CD Ladder for Grand Rapids, Michigan Savers
$25,000 split equally across 5 terms using today’s Michigan average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | MI Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.635% | $131.73 |
| 2 | 6-Month CD | $5,000 | 2.779% | $138.96 |
| 3 | 12-Month CD | $5,000 | 2.691% | $134.55 |
| 4 | 24-Month CD | $5,000 | 2.644% | $132.22 |
| 5 | 36-Month CD | $5,000 | 2.654% | $132.70 |
| Total ($25,000 invested) | $25,000 | 2.681% blended | $670.16/yr | |
Ladder example uses equal $5,000 rungs and Michigan average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
954
CD Rates
Tracked in Grand Rapids, Michigan
Tracked in Grand Rapids, Michigan
21 Banks
81 Credit Unions
About Our Grand Rapids, Michigan CD Rate Database
MonitorBankRates tracks 954 CD rates from 21 banks and 81 credit unions with locations in Grand Rapids, Michigan, plus national online institutions available to Michigan residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Meijer Credit Union offers a CD at 4.10% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Grand Rapids, Michigan.
How to Find the Best CD Rates in Grand Rapids, Michigan
What to compare when shopping for a CD in Grand Rapids, Michigan
To find the best APYs in Grand Rapids, Michigan, start with credit unions and online-only banks — Grand Rapids, Michigan has 81 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Grand Rapids, Michigan
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Grand Rapids, Michigan — 102 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Grand Rapids, Michigan savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Grand Rapids, Michigan money market rates
Grand Rapids, Michigan Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
12.9%
National avg: 17.3%
Median Individual Earnings
$39,108
National avg: $47,340
Poverty Rate
16.9%
National avg: 11.1%
Unemployment Rate
5.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$105/yr
At MI 12-mo avg 2.691% APY
12.9% of residents are 65 or older — below the national average of 17.3%. At today’s MI 12-month CD average of 2.691%, saving 10% of the local median salary ($3,910/year) and putting it in a CD would earn an additional $105 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Grand Rapids, Michigan
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Grand Rapids, Michigan
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Grand Rapids, Michigan typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Grand Rapids, Michigan as everywhere in the U.S.
Choosing a CD Term in Grand Rapids, Michigan
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Grand Rapids, Michigan savers easier access to their funds. For example, Meijer Credit Union is offering its IRA Certificate of Deposit - 6 Months at 4.10% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, First National Bank of America (FNBA) is offering its 60 Month at 4.00% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Grand Rapids, Michigan Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Grand Rapids, Michigan saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Grand Rapids, Michigan
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Grand Rapids, Michigan CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Grand Rapids, Michigan
Most CDs carry a fixed rate that is locked for the entire term, protecting a Grand Rapids, Michigan depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Grand Rapids, Michigan
Are CD rates in Grand Rapids, Michigan FDIC insured?
Yes, most established banks in Grand Rapids, Michigan are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Grand Rapids, Michigan?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Grand Rapids, Michigan.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty — typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit — traditionally $100,000 or more. In exchange, banks in Grand Rapids, Michigan may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates — for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Grand Rapids, Michigan?
Here are recent top rates found for this area:
- Meijer Credit Union: 4.10% APY (IRA Certificate of Deposit - 6 Months)
- Maui Teachers Federal Credit Union: 4.06% APY (6 Month Share Certificate SPECIAL!)
- Dfcu Financial Credit Union: 4.00% APY (Share Certificates 6 month)
- First National Bank of America (FNBA): 4.00% APY (60 Month)
- First National Bank of Michigan: 3.97% APY (3-Year Rising Rate Certificate of Deposit - Year 3 term)
- Michigan State University Federal Credit Union: 3.90% APY (5-Year Certificate or IRA-HSA Jumbo)
- Bloom Credit Union: 3.75% APY (6 month term)
- LMCU Lake Michigan Credit Union: 3.75% APY (60 Month CD)
- West Michigan Credit Union: 3.75% APY (6 Month CD Special)
- Adventure Credit Union: 3.75% APY (Save to Win CD 12 month)
Rates reflect recent verified offers available in Grand Rapids, Michigan. Last Updated: June 23, 2026
CD Calculators for Grand Rapids, Michigan
Grand Rapids, Michigan CD Calculator
At today’s MI top rate of 4.10% APY, a $10,000 deposit earns $410 in the first year. Enter your amount to see your exact return.
Grand Rapids, Michigan CD LadderMI CD rates currently range from 2.635% (3-month) to 2.654% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Grand Rapids, Michigan CD at 4.10% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsMichigan’s average 12-month CD is 2.691% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Grand Rapids, Michigan CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Grand Rapids, Michigan directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Grand Rapids, Michigan. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in MI.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: June 23, 2026
Grand Rapids, Michigan Rates & Resources
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