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CD Rate Trends

Grand Rapids, Michigan Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

Grand Rapids, Michigan CD rates range from 0.01% to 5.25% APY, verified by MonitorBankRates as of October 13, 2026. Current Grand Rapids, Michigan CD rates include First National Bank of MichiganFirst National Bank of Michigan141 Ionia Ave Nw, Grand Rapids, MI 49503A5.0 ★Texas Ratio: 7.32%Real return: +2.20%APY minus CPI (February 2026) offering 3-Year Rising Rate Certificate of Deposit - Year 3 term at 5.00% APY, First National Bank of America (FNBA)First National Bank of America (FNBA)4660 Kalamazoo Ave Se, Grand Rapids, MI 49508B-4.3 ★Texas Ratio: 23.12%Real return: +1.70%APY minus CPI (February 2026) offering 60 Month Certificate of Deposit at 4.50% APY, Intandem Credit UnionIntandem Credit Union1619 Plainfield AVE NE, Grand Rapids, MI 49505 4703A+5.0 ★Texas Ratio: 2.03%Real return: +1.70%APY minus CPI (February 2026) offering 12 Month Youth Share Certificate at 4.50% APY, Michigan State University Federal Credit UnionMichigan State University Federal Credit Union86 Monroe Center St NW, Grand Rapids, MI 49503A5.0 ★Texas Ratio: 9.64%Real return: +1.60%APY minus CPI (February 2026) offering 5-Year Certificate or IRA-HSA Jumbo at 4.40% APY, and Dfcu Financial Credit UnionDfcu Financial Credit Union641 44th St SE, Grand Rapids, MI 49548 7525A+5.0 ★Texas Ratio: 1.86%Real return: +1.60%APY minus CPI (February 2026) offering 2 Year Business Share Certificates at 4.40% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

Grand Rapids has 355 local institutions in our database, with CD rates as high as 5.00% APY from First National Bank of Michigan at 141 Ionia Ave Nw, Grand Rapids, MI 49503. 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, so 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: October 13, 2026

Compare Best CD Rates in Grand Rapids, Michigan & the Surrounding Area

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Grand Rapids 3 Month CD Rates

Michigan 3 Month CD Average2.13% APYNational 2.09%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
3 Month Certificate of Deposit
$0
3.85% ▲ 1.72% above Michigan avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.13%▲ 1.72% above avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60%
3.10%3.72%4.35%Sep 18, 2026: 3.60% APYSep 24, 2026: 3.85% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20263.85%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
Time Certificate of Deposit - 3 Month
$0
3.85% ▲ 1.72% above Michigan avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.13%▲ 1.72% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 14, 2026
Independent Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
4200 E Beltline Ave Ne, Grand Rapids, MI 49525
3-Month CD Special
$1,000
3.76% ▲ 1.63% above Michigan avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.13%▲ 1.63% above avgNationally 2.09%
Details

Rate History
2 changes since Sep 18, 2026 · 3.56% → 3.76% ▲ 0.20 pts · high 3.76% / low 3.56%
3.06%3.66%4.26%Sep 18, 2026: 3.56% APYSep 24, 2026: 3.66% APYOct 2, 2026: 3.76% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20263.76%▲ from 3.66%
  • Sep 24, 20263.66%▲ from 3.56%
  • Sep 18, 20263.56%first recorded
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
641 44th St SE, Grand Rapids, MI 49548 7525
3 month Business Share Certificates
$0
3.75% ▲ 1.62% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 1.62% above avgNationally 2.09%
Details

Balance: $1,000 to $24,999

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 14, 2026
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
641 44th St SE, Grand Rapids, MI 49548 7525
3 month Share Certificates
$0
3.75% ▲ 1.62% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 1.62% above avgNationally 2.09%
Details

Balance: $1,000 to $24,999; Rates effective as of 10/13/2026

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 14, 2026
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
641 44th St SE, Grand Rapids, MI 49548 7525
Share Certificates - 3 month
$1,000
3.75% ▲ 1.62% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 1.62% above avgNationally 2.09%
Details

Balance: $25,000 to $99,999; Dividends compounded and paid quarterly

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 14, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
3 Month IRA/HSA CD - VIP Bonus
$500
3.55% ▲ 1.42% above Michigan avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 1.42% above avgNationally 2.09%
Details

VIP Bonus Rate; includes 0.25% VIP Relationship Reward Bonus

Rate History
No change since Oct 13, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 14, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
86 Monroe Center St NW, Grand Rapids, MI 49503
3-Month Certificate or IRA-HSA Jumbo
$0
3.40% ▲ 1.27% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 1.27% above avgNationally 2.09%
Details

Jumbo; Valid Thru 10/18/2026

Rate History
1 change since Sep 18, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15%
2.65%3.28%3.90%Sep 18, 2026: 3.15% APYSep 25, 2026: 3.40% APYSep 18, 2026Oct 14, 2026
  • Sep 25, 20263.40%▲ from 3.15%
  • Sep 18, 20263.15%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
3 Month CD - VIP Bonus
$500
3.40% ▲ 1.27% above Michigan avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 1.27% above avgNationally 2.09%
Details

VIP Relationship Reward Bonus; VIP Bonus Rate 3.35%; VIP Bonus APY 3.40%

Rate History
No change since Oct 13, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 14, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
3 Month IRA/HSA CD
$500
3.30% ▲ 1.17% above Michigan avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 1.17% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 14, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
86 Monroe Center St NW, Grand Rapids, MI 49503
3-Month Certificate or IRA-HSA
$0
3.25% ▲ 1.12% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 1.12% above avgNationally 2.09%
Details

Valid Thru 10/18/2026

Rate History
1 change since Sep 18, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
2.50%3.13%3.75%Sep 18, 2026: 3.00% APYSep 25, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
  • Sep 25, 20263.25%▲ from 3.00%
  • Sep 18, 20263.00%first recorded
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1619 Plainfield AVE NE, Grand Rapids, MI 49505 4703
Term Share Certificate - 3 Months
$500
3.15% ▲ 1.02% above Michigan avg
View
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 1.02% above avgNationally 2.09%
Details

Rates effective 10/1/2026; Rates are based on the term selected and on where purchased; Penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 6 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 14, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
3 Month CD
$500
3.15% ▲ 1.02% above Michigan avg
View
▼
Rate3.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 1.02% above avgNationally 2.09%
Details

Dividend Rate (Interest) 3.11%; APY 3.15%

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 6 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Oct 14, 2026
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
6000 28th St NE, Grand Rapids, MI 49546
Share Certificate 3 Months
$500
3.00% ▲ 0.87% above Michigan avg
View
▼
Rate2.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 0.87% above avgNationally 2.09%
Details

Dividend rate for $500 and up

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
4635 44th St SE, Grand Rapids, MI 49512
Share Certificate - 90 Day
$1,000
2.52% ▲ 0.39% above Michigan avg
View
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 0.39% above avgNationally 2.09%
Details

Rate History
No change since Oct 13, 2026 · 2.52% APY
2.02%2.52%3.02%Oct 13, 2026: 2.52% APYOct 13, 2026Oct 14, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
90 Day Certificate of Deposit
$0
2.17% ▲ 0.04% above Michigan avg
View
▼
Rate2.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.13%▲ 0.04% above avgNationally 2.09%
Details

Balance: $100,000+

Rate History
No change since Sep 19, 2026 · 2.17% APY · checked 7 times
1.67%2.17%2.67%Sep 19, 2026: 2.17% APYSep 19, 2026Oct 14, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
90 Day Certificate of Deposit
$0
1.97% ▼ 0.16% below Michigan avg
View
▼
Rate1.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.13%▼ 0.16% below avgNationally 2.09%
Details

Balance: $50,000 - $99,999

Rate History
No change since Sep 27, 2026 · 1.97% APY · checked 5 times
1.47%1.97%2.47%Sep 27, 2026: 1.97% APYSep 27, 2026Oct 14, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
90 Day Certificate of Deposit
$0
1.76% ▼ 0.37% below Michigan avg
View
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.13%▼ 0.37% below avgNationally 2.09%
Details

Balance: $0 - $49,999

Rate History
No change since Sep 27, 2026 · 1.76% APY · checked 5 times
1.26%1.76%2.26%Sep 27, 2026: 1.76% APYSep 27, 2026Oct 14, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
3 Month Certificate
$0
1.50% ▼ 0.63% below Michigan avg
View
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.13%▼ 0.63% below avgNationally 2.09%
Details

Effective Date: October 01, 2026

Rate History
1 change since Sep 12, 2026 · 1.25% → 1.50% ▲ 0.25 pts · high 1.50% / low 1.25%
0.75%1.38%2.00%Sep 12, 2026: 1.25% APYOct 12, 2026: 1.50% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20261.50%▲ from 1.25%
  • Sep 12, 20261.25%first recorded
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
Share and IRA Certificates - 3 Months
$0
1.50% ▼ 0.63% below Michigan avg
View
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.13%▼ 0.63% below avgNationally 2.09%
Details

APY with Bonus Rate: 1.60%

Rate History
No change since Oct 12, 2026 · 1.50% APY
1.00%1.50%2.00%Oct 12, 2026: 1.50% APYOct 12, 2026Oct 14, 2026
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1319 Front Ave NW, Grand Rapids, MI 49504
3 Month CD
$500
0.55% ▼ 1.58% below Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▼ 1.58% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.55% APY · checked 6 times
0.05%0.55%1.05%Sep 14, 2026: 0.55% APYSep 14, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
171 Monroe Ave Nw, Grand Rapids, MI 49503
3 Month Certificate of Deposit
$0
0.03% ▼ 2.10% below Michigan avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.13%▼ 2.10% below avgNationally 2.09%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
171 Monroe Ave Nw, Grand Rapids, MI 49503
3 Month Certificate of Deposit
$0
0.02% ▼ 2.11% below Michigan avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.13%▼ 2.11% below avgNationally 2.09%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
171 Monroe Ave Nw, Grand Rapids, MI 49503
3 Month Certificate of Deposit
$0
0.01% ▼ 2.12% below Michigan avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.13%▼ 2.12% below avgNationally 2.09%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Simple CDs - 3 Months
$0
4.35% ▲ 2.22% above Michigan avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.13%▲ 2.22% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 14, 2026: 4.00% APYOct 6, 2026: 4.35% APYSep 14, 2026Oct 14, 2026
  • Oct 6, 20264.35%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
Jumbo CD 3 Months
$3,000,000
4.32% ▲ 2.19% above Michigan avg
View
▼
Rate4.25%
Min Deposit$3,000,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.13%▲ 2.19% above avgNationally 2.09%
Details

Max: $6,000,000

Rate History
No change since Sep 21, 2026 · 4.32% APY · checked 4 times
3.82%4.32%4.82%Sep 21, 2026: 4.32% APYSep 21, 2026Oct 14, 2026
First State Bank (MI)
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
90 Day Jumbo CD
$0
4.10% ▲ 1.97% above Michigan avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.13%▲ 1.97% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 7, 2026: 4.10% APYOct 7, 2026Oct 14, 2026
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
Jumbo CD 3 Months
$500,000
4.06% ▲ 1.93% above Michigan avg
View
▼
Rate4.00%
Min Deposit$500,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.13%▲ 1.93% above avgNationally 2.09%
Details

Max: $6,000,000

Rate History
No change since Sep 21, 2026 · 4.06% APY · checked 4 times
3.56%4.06%4.56%Sep 21, 2026: 4.06% APYSep 21, 2026Oct 14, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3-Month Certificate
$0
4.00% ▲ 1.87% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.13%▲ 1.87% above avgNationally 2.09%
Details

No minimum deposit.

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3 Month Share Certificate
$1,000
4.00% ▲ 1.87% above Michigan avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.13%▲ 1.87% above avgNationally 2.09%
Details

Limited Time 3-Month and 6-Month Share Certificates available on new Certificates. This is a promotional yield. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity.

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 14, 2026
West Shore Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
3 Month CD Specials
$500
3.90% ▲ 1.77% above Michigan avg
View
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Michigan Average2.13%▲ 1.77% above avgNationally 2.09%
Details

Rate History
No change since Sep 11, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 11, 2026: 3.90% APYSep 11, 2026Oct 14, 2026
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
3-Month Certificate
$1,000
3.85% ▲ 1.72% above Michigan avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.13%▲ 1.72% above avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 18, 2026: 3.75% APYSep 27, 2026: 3.85% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20263.85%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
St Francis X Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
3 Month CD & IRA CD
$0
3.60% ▲ 1.47% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.13%▲ 1.47% above avgNationally 2.09%
Details

Second Tier APY; Balance: $100,000+; Early withdrawals subject to penalties

Rate History
No change since Sep 12, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 12, 2026: 3.60% APYSep 12, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month IRA Certificate
$0
3.60% ▲ 1.47% above Michigan avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Michigan Average2.13%▲ 1.47% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month Share Certificates
$0
3.60% ▲ 1.47% above Michigan avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Michigan Average2.13%▲ 1.47% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 14, 2026
Highpoint Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
90 Day (3 Month) Certificate
$0
3.55% ▲ 1.42% above Michigan avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.13%▲ 1.42% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 7, 2026: 3.55% APYOct 7, 2026Oct 14, 2026
St Francis X Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
3 Month CD & IRA CD
$0
3.50% ▲ 1.37% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.13%▲ 1.37% above avgNationally 2.09%
Details

First Tier APY; Early withdrawals subject to penalties

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 14, 2026
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3 Month Term Share Certificates
$1,000
3.40% ▲ 1.27% above Michigan avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.13%▲ 1.27% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 14, 2026
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Jumbo Term Share Certificates - 3 Months
$0
3.40% ▲ 1.27% above Michigan avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.13%▲ 1.27% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 14, 2026
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
90 Day Certificate
$500
3.29% ▲ 1.16% above Michigan avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.13%▲ 1.16% above avgNationally 2.09%
Details

Interest Period Compounded & Credited: Quarterly

Rate History
No change since Sep 18, 2026 · 3.29% APY · checked 6 times
2.79%3.29%3.79%Sep 18, 2026: 3.29% APYSep 18, 2026Oct 14, 2026
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
90 Day Youth
$100
3.29% ▲ 1.16% above Michigan avg
View
▼
Rate3.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.13%▲ 1.16% above avgNationally 2.09%
Details

Interest Period Compounded & Credited: Quarterly

Rate History
No change since Sep 18, 2026 · 3.29% APY · checked 6 times
2.79%3.29%3.79%Sep 18, 2026: 3.29% APYSep 18, 2026Oct 14, 2026
Bank of Ann Arbor
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
3 Month Retail CD
$0
3.25% ▲ 1.12% above Michigan avg
View
▼
Rate3.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.13%▲ 1.12% above avgNationally 2.09%
Details

Autopay Discount: 0.25%

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
3 Month Certificate
$500
3.25% ▲ 1.12% above Michigan avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.13%▲ 1.12% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 2.89% → 3.25% ▲ 0.36 pts · high 3.25% / low 2.89%
2.39%3.07%3.75%Sep 14, 2026: 2.89% APYOct 9, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.25%▲ from 2.89%
  • Sep 14, 20262.89%first recorded
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3 Month AMP Term Share Certificates
$0
3.25% ▲ 1.12% above Michigan avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.13%▲ 1.12% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
HSA IRA Certificate - 3 Month
$0
3.10% ▲ 0.97% above Michigan avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.13%▲ 0.97% above avgNationally 2.09%
Details

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

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 6 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 14, 2026
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
HSA Regular Term Share Certificate - 3 Month
$50
3.10% ▲ 0.97% above Michigan avg
View
▼
Rate3.06%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.13%▲ 0.97% above avgNationally 2.09%
Details

Regular term CDs allow additional add on deposits.; Term Share, Youth, IRA, & HSA Certificates

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 6 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 14, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 3 Month
$0
3.05% ▲ 0.92% above Michigan avg
View
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.13%▲ 0.92% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 7 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 14, 2026
West Shore Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
3 Month Certificate
$500
3.00% ▲ 0.87% above Michigan avg
View
▼
Rate2.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Michigan Average2.13%▲ 0.87% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 14, 2026

Grand Rapids 6 Month CD Rates

Michigan 6 Month CD Average2.87% APYNational 2.77%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
Rising Rate Certificate of Deposit - Third 6-month Term
$0
4.75% ▲ 1.88% above Michigan avg
View
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.87%▲ 1.88% above avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 4.75% APY · checked 3 times
4.25%4.75%5.25%Oct 7, 2026: 4.75% APYOct 7, 2026Oct 14, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
Rising Rate Certificate of Deposit - Second 6-month Term
$0
4.50% ▲ 1.63% above Michigan avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.87%▲ 1.63% above avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 7, 2026: 4.50% APYOct 7, 2026Oct 14, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
Rising Rate Certificate of Deposit - First 6-month Term
$0
4.25% ▲ 1.38% above Michigan avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.87%▲ 1.38% above avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 14, 2026
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
IRA Certificate of Deposit - 6 Months
$0
4.10% ▲ 1.23% above Michigan avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 1.23% above avgNationally 2.77%
Details

Dividend Rate 4.03%; APY includes .25% bonus for Meijer Team members, Meijer retirees and current MCU members (effective 10/1/26)

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
1969 44th St Se, Grand Rapids, MI 49508
6-MONTH CD
$2,500
4.10% ▲ 1.23% above Michigan avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.87%▲ 1.23% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
6 Month Certificate of Deposit
$0
4.00% ▲ 1.13% above Michigan avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.87%▲ 1.13% above avgNationally 2.77%
Details

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 18, 2026: 3.85% APYSep 24, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20264.00%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
Time Certificate of Deposit - 6 Month
$0
4.00% ▲ 1.13% above Michigan avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.87%▲ 1.13% above avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 14, 2026
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
$2,500
4.00% ▲ 1.13% above Michigan avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.87%▲ 1.13% above avgNationally 2.77%
Details

Maximum balance: $250,000.00; Interest must be transferred to share account

Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 25, 2026: 4.00% APYSep 25, 2026Oct 14, 2026
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
641 44th St SE, Grand Rapids, MI 49548 7525
6 month Business Share Certificates
$0
4.00% ▲ 1.13% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 1.13% above avgNationally 2.77%
Details

Balance: $1,000 to $24,999

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
641 44th St SE, Grand Rapids, MI 49548 7525
6 month Share Certificates
$1,000
4.00% ▲ 1.13% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 1.13% above avgNationally 2.77%
Details

Balance: $1,000 to $24,999

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
150 Ann St NW, Grand Rapids, MI 49505 6244
6 Month Certificates of Deposit
$500
4.00% ▲ 1.13% above Michigan avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 1.13% above avgNationally 2.77%
Details

0.10% APY bonus earned if you also have a M1 Premier Checking Account; for members under 18 the required minimum balance on all CDs is $100.00; a penalty may be assessed for early withdrawals

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
150 Ann St NW, Grand Rapids, MI 49505 6244
Certificate of Deposit - 6 Months
$500
4.00% ▲ 1.13% above Michigan avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 1.13% above avgNationally 2.77%
Details

Members under 18: minimum balance $100.00; 0.10% APY bonus if also holding M1 Premier Checking; early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
86 Monroe Center St NW, Grand Rapids, MI 49503
6-Month Certificate or IRA-HSA Jumbo
$0
3.95% ▲ 1.08% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 1.08% above avgNationally 2.77%
Details

Jumbo; Valid Thru 10/18/2026

Rate History
1 change since Sep 18, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
3.20%3.83%4.45%Sep 18, 2026: 3.70% APYSep 25, 2026: 3.95% APYSep 18, 2026Oct 14, 2026
  • Sep 25, 20263.95%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
6 Month Certificate of Deposit
$0
3.90% ▲ 1.03% above Michigan avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 1.03% above avgNationally 2.77%
Details

APY includes .25% bonus for Meijer Team members, Meijer retirees and current MCU members

Rate History
1 change since Sep 14, 2026 · 4.10% → 3.90% ▼ 0.20 pts · high 4.10% / low 3.90%
3.40%4.00%4.60%Sep 14, 2026: 4.10% APYOct 9, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.90%▼ from 4.10%
  • Sep 14, 20264.10%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
86 Monroe Center St NW, Grand Rapids, MI 49503
6-Month Certificate or IRA-HSA
$0
3.80% ▲ 0.93% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 0.93% above avgNationally 2.77%
Details

Valid Thru 10/18/2026

Rate History
1 change since Sep 18, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
3.05%3.68%4.30%Sep 18, 2026: 3.55% APYSep 25, 2026: 3.80% APYSep 18, 2026Oct 14, 2026
  • Sep 25, 20263.80%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
AAC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
904 Broadway Ave NW, Grand Rapids, MI 49504 4415
Certificates of Deposit - 6 Month
$0
3.80% ▲ 0.93% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 0.93% above avgNationally 2.77%
Details

Rates also apply to IRA and HSA Certificates of Deposit

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1319 Front Ave NW, Grand Rapids, MI 49504
6 Month CD Special
$500
3.75% ▲ 0.88% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 0.88% above avgNationally 2.77%
Details

Limited time offer; corresponding 3.69% APR; Penalty may be imposed for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.69% → 3.75% ▲ 0.06 pts · high 3.75% / low 3.69%
3.19%3.72%4.25%Sep 14, 2026: 3.69% APYOct 9, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.75%▲ from 3.69%
  • Sep 14, 20263.69%first recorded
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
630 32nd St SE, Grand Rapids, MI 49548 2306
6 month CD
$500
3.60% ▲ 0.73% above Michigan avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.87%▲ 0.73% above avgNationally 2.77%
Details

Rate History
1 change since Sep 18, 2026 · 3.45% → 3.60% ▲ 0.15 pts · high 3.60% / low 3.45%
2.95%3.53%4.10%Sep 18, 2026: 3.45% APYOct 9, 2026: 3.60% APYSep 18, 2026Oct 14, 2026
  • Oct 9, 20263.60%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
630 32nd St SE, Grand Rapids, MI 49548 2306
6-Month CD
$500
3.60% ▲ 0.73% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.87%▲ 0.73% above avgNationally 2.77%
Details

Early withdrawal penalty on 6-month certificate is 90-days loss of interest.

Rate History
1 change since Sep 18, 2026 · 3.45% → 3.60% ▲ 0.15 pts · high 3.60% / low 3.45%
2.95%3.53%4.10%Sep 18, 2026: 3.45% APYOct 9, 2026: 3.60% APYSep 18, 2026Oct 14, 2026
  • Oct 9, 20263.60%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
6 Month IRA/HSA CD - VIP Bonus
$500
3.55% ▲ 0.68% above Michigan avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 0.68% above avgNationally 2.77%
Details

VIP Bonus Rate; includes 0.25% VIP Relationship Reward Bonus

Rate History
No change since Oct 13, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 14, 2026
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
6000 28th St NE, Grand Rapids, MI 49546
Share Certificate 6 Months
$500
3.50% ▲ 0.63% above Michigan avg
View
▼
Rate3.46%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 0.63% above avgNationally 2.77%
Details

Dividend rate for $500 and up

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
6000 28th St SE, Grand Rapids, MI 49546
6 Months (Youth) Certificate of Deposit
$0
3.50% ▲ 0.63% above Michigan avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.87%▲ 0.63% above avgNationally 2.77%
Details

Youth Account

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
6 Month CD - VIP Bonus
$500
3.40% ▲ 0.53% above Michigan avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 0.53% above avgNationally 2.77%
Details

VIP Relationship Reward Bonus; VIP Bonus Rate 3.35%; VIP Bonus APY 3.40%

Rate History
No change since Oct 13, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 14, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
6 Month IRA/HSA CD
$500
3.30% ▲ 0.43% above Michigan avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 0.43% above avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 14, 2026
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1619 Plainfield AVE NE, Grand Rapids, MI 49505 4703
Term Share Certificate - 6 Months
$500
3.15% ▲ 0.28% above Michigan avg
View
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 0.28% above avgNationally 2.77%
Details

Rates effective 10/1/2026; Rates are based on the term selected and on where purchased; Penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 6 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 14, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
6 Month CD
$500
3.15% ▲ 0.28% above Michigan avg
View
▼
Rate3.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 0.28% above avgNationally 2.77%
Details

Dividend Rate (Interest) 3.11%; APY 3.15%

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 6 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Oct 14, 2026
Northpointe Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
3333 Deposit Dr Ne, Grand Rapids, MI 49546
6 Month Certificate of Deposit
$1,000
3.00% ▲ 0.13% above Michigan avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.87%▲ 0.13% above avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 14, 2026
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
6 Month IRA CD
$0
2.58% ▼ 0.29% below Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▼ 0.29% below avgNationally 2.77%
Details

$10,000 or more

Rate History
No change since Oct 13, 2026 · 2.58% APY
2.08%2.58%3.08%Oct 13, 2026: 2.58% APYOct 13, 2026Oct 14, 2026
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
6 Month Regular CD
$0
2.48% ▼ 0.39% below Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▼ 0.39% below avgNationally 2.77%
Details

$10,000 or more

Rate History
No change since Oct 13, 2026 · 2.48% APY
1.98%2.48%2.98%Oct 13, 2026: 2.48% APYOct 13, 2026Oct 14, 2026
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
6 Month IRA CD
$0
2.47% ▼ 0.40% below Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▼ 0.40% below avgNationally 2.77%
Details

Rate History
No change since Oct 13, 2026 · 2.47% APY
1.97%2.47%2.97%Oct 13, 2026: 2.47% APYOct 13, 2026Oct 14, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
6 Month Certificate of Deposit
$0
2.43% ▼ 0.44% below Michigan avg
View
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.87%▼ 0.44% below avgNationally 2.77%
Details

Balance: $100,000+

Rate History
No change since Sep 19, 2026 · 2.43% APY · checked 7 times
1.93%2.43%2.93%Sep 19, 2026: 2.43% APYSep 19, 2026Oct 14, 2026
Independent Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
4200 E Beltline Ave Ne, Grand Rapids, MI 49525
6-Month CD
$500
2.38% ▼ 0.49% below Michigan avg
View
▼
Rate2.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.87%▼ 0.49% below avgNationally 2.77%
Details

Rate History
2 changes since Sep 18, 2026 · 2.17% → 2.38% ▲ 0.21 pts · high 2.38% / low 2.17%
1.67%2.28%2.88%Sep 18, 2026: 2.17% APYSep 24, 2026: 2.27% APYOct 2, 2026: 2.38% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20262.38%▲ from 2.27%
  • Sep 24, 20262.27%▲ from 2.17%
  • Sep 18, 20262.17%first recorded
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
6 Month Regular CD
$0
2.38% ▼ 0.49% below Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▼ 0.49% below avgNationally 2.77%
Details

Rate History
No change since Oct 13, 2026 · 2.38% APY
1.88%2.38%2.88%Oct 13, 2026: 2.38% APYOct 13, 2026Oct 14, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
6 Month Certificate of Deposit
$0
2.22% ▼ 0.65% below Michigan avg
View
▼
Rate2.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.87%▼ 0.65% below avgNationally 2.77%
Details

Balance: $50,000 - $99,999

Rate History
No change since Sep 27, 2026 · 2.22% APY · checked 5 times
1.72%2.22%2.72%Sep 27, 2026: 2.22% APYSep 27, 2026Oct 14, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
6 Month Certificate of Deposit
$0
2.02% ▼ 0.85% below Michigan avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.87%▼ 0.85% below avgNationally 2.77%
Details

Balance: $0 - $49,999

Rate History
No change since Sep 27, 2026 · 2.02% APY · checked 5 times
1.52%2.02%2.52%Sep 27, 2026: 2.02% APYSep 27, 2026Oct 14, 2026
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
6 Month Certificate
$50,000
1.85% ▼ 1.02% below Michigan avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.87%▼ 1.02% below avgNationally 2.77%
Details

APY = Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates.

Rate History
No change since Sep 14, 2026 · 1.85% APY · checked 6 times
1.35%1.85%2.35%Sep 14, 2026: 1.85% APYSep 14, 2026Oct 14, 2026
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
6 Month IRA Certificate
$50,000
1.85% ▼ 1.02% below Michigan avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.87%▼ 1.02% below avgNationally 2.77%
Details

APY=Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates.

Rate History
No change since Sep 14, 2026 · 1.85% APY · checked 5 times
1.35%1.85%2.35%Sep 14, 2026: 1.85% APYSep 14, 2026Oct 14, 2026
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
6 Month Certificate
$500
1.75% ▼ 1.12% below Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.87%▼ 1.12% below avgNationally 2.77%
Details

APY = Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates.

Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 6 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 14, 2026
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
6 Month IRA Certificate
$500
1.75% ▼ 1.12% below Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.87%▼ 1.12% below avgNationally 2.77%
Details

APY=Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates.

Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 6 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 14, 2026
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
6000 28th St SE Ste 100, Grand Rapids, MI 49546
6 Month Certificate
$500
1.72% ▼ 1.15% below Michigan avg
View
▼
Rate1.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▼ 1.15% below avgNationally 2.77%
Details

Early withdrawal subject to dividend penalty

Rate History
No change since Sep 14, 2026 · 1.72% APY · checked 2 times
1.22%1.72%2.22%Sep 14, 2026: 1.72% APYSep 14, 2026Oct 14, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
6 Month Certificate
$0
1.55% ▼ 1.32% below Michigan avg
View
▼
Rate1.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.87%▼ 1.32% below avgNationally 2.77%
Details

Effective Date: October 01, 2026

Rate History
1 change since Sep 12, 2026 · 1.50% → 1.55% ▲ 0.05 pts · high 1.55% / low 1.50%
1.00%1.53%2.05%Sep 12, 2026: 1.50% APYOct 12, 2026: 1.55% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20261.55%▲ from 1.50%
  • Sep 12, 20261.50%first recorded
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
Share and IRA Certificates - 6 Months
$0
1.55% ▼ 1.32% below Michigan avg
View
▼
Rate1.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.87%▼ 1.32% below avgNationally 2.77%
Details

APY with Bonus Rate: 1.65%

Rate History
No change since Oct 12, 2026 · 1.55% APY
1.05%1.55%2.05%Oct 12, 2026: 1.55% APYOct 12, 2026Oct 14, 2026
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1319 Front Ave NW, Grand Rapids, MI 49504
6 Month CD
$500
1.00% ▼ 1.87% below Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▼ 1.87% below avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
6000 28th St SE, GRAND RAPIDS, MI 49546
6 Month Certificate
$1,000
0.20% ▼ 2.67% below Michigan avg
View
▼
Rate0.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.87%▼ 2.67% below avgNationally 2.77%
Details

Minimum of $1000.00

Rate History
No change since Oct 8, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Oct 8, 2026: 0.20% APYOct 8, 2026Oct 14, 2026
Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
6770 Kalamazoo Ave SE, Grand Rapids, MI 49508 7032
6 Month CD
$1,000
0.15% ▼ 2.72% below Michigan avg
View
▼
Rate0.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▼ 2.72% below avgNationally 2.77%
Details

Balance: $25,000+; $1,000 minimum deposit required; Early withdrawal penalty applies

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 5 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 14, 2026
Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
6770 Kalamazoo Ave SE, Grand Rapids, MI 49508 7032
6 Month CD
$1,000
0.10% ▼ 2.77% below Michigan avg
View
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▼ 2.77% below avgNationally 2.77%
Details

Balance: $1,000-$24,999; $1,000 minimum deposit required; Early withdrawal penalty applies

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
171 Monroe Ave Nw, Grand Rapids, MI 49503
6 Month Certificate of Deposit
$0
0.03% ▼ 2.84% below Michigan avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.87%▼ 2.84% below avgNationally 2.77%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
171 Monroe Ave Nw, Grand Rapids, MI 49503
6 Month Certificate of Deposit
$0
0.02% ▼ 2.85% below Michigan avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.87%▼ 2.85% below avgNationally 2.77%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
171 Monroe Ave Nw, Grand Rapids, MI 49503
6 Month Certificate of Deposit
$0
0.01% ▼ 2.86% below Michigan avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.87%▼ 2.86% below avgNationally 2.77%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
6 month - 4H or FFA CD
$0
5.05% ▲ 2.18% above Michigan avg
View
▼
Rate4.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 2.18% above avgNationally 2.77%
Details

Minimum: Amount of 4H or FFA - Youth Fair Participation Check; Max $5,000

Rate History
No change since Sep 14, 2026 · 5.05% APY · checked 8 times
4.55%5.05%5.55%Sep 14, 2026: 5.05% APYSep 14, 2026Oct 14, 2026

Grand Rapids 12 Month CD Rates

Michigan 12 Month CD Average3.12% APYNational 2.99%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
1 Year Rising Rate Certificate of Deposit - Year 1 term
$0
4.50% ▲ 1.38% above Michigan avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.12%▲ 1.38% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 7, 2026: 4.50% APYOct 7, 2026Oct 14, 2026
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1619 Plainfield AVE NE, Grand Rapids, MI 49505 4703
12 Month Youth Share Certificate
$100
4.50% ▲ 1.38% above Michigan avg
View
▼
Rate4.41%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 1.38% above avgNationally 2.99%
Details

Condition: 12 Months - Max $500. Max $500; Youth club members 17 years old and younger; Penalty for early withdrawal; Rates effective 10/1/2026

Rate History
No change since Sep 22, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Sep 22, 2026: 4.50% APYSep 22, 2026Oct 14, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
12 Month Certificate of Deposit
$0
4.35% ▲ 1.23% above Michigan avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.12%▲ 1.23% above avgNationally 2.99%
Details

Rate History
No change since Sep 19, 2026 · 4.35% APY · checked 7 times
3.85%4.35%4.85%Sep 19, 2026: 4.35% APYSep 19, 2026Oct 14, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
Certificate of Deposit Special - 12 Month
$0
4.35% ▲ 1.23% above Michigan avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.12%▲ 1.23% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 7, 2026: 4.35% APYOct 7, 2026Oct 14, 2026
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
12 Month Certificate of Deposit
$0
4.30% ▲ 1.18% above Michigan avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.12%▲ 1.18% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Sep 18, 2026: 4.00% APYSep 24, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20264.30%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
Time Certificate of Deposit - 12 Month
$0
4.30% ▲ 1.18% above Michigan avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.12%▲ 1.18% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 14, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
1969 44th St Se, Grand Rapids, MI 49508
12-MONTH CD
$500
4.30% ▲ 1.18% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.12%▲ 1.18% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.30% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.30%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
12 Month Certificate of Deposit
$0
4.10% ▲ 0.98% above Michigan avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.98% above avgNationally 2.99%
Details

APY includes .25% bonus for Meijer Team members, Meijer retirees and current MCU members

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90%
3.40%4.00%4.60%Sep 14, 2026: 3.90% APYOct 9, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.10%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
86 Monroe Center St NW, Grand Rapids, MI 49503
1-Year Add-On Certificate or IRA-HSA Jumbo
$0
4.05% ▲ 0.93% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.93% above avgNationally 2.99%
Details

Add-On; Jumbo; Valid Thru 10/18/2026

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
3.25%3.90%4.55%Sep 18, 2026: 3.75% APYSep 25, 2026: 4.05% APYSep 18, 2026Oct 14, 2026
  • Sep 25, 20264.05%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
630 32nd St SE, Grand Rapids, MI 49548 2306
Save to Win CD 12 month
$25
4.00% ▲ 0.88% above Michigan avg
View
▼
Rate4.00%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.12%▲ 0.88% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
670 Cascade West Pkwy Se, Grand Rapids, MI 49546
12 month CD
$500
3.96% ▲ 0.84% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Michigan Average3.12%▲ 0.84% above avgNationally 2.99%
Details

Interest rates determined by Union Bank. Your certificate will renew for the same term, at the interest rate in effect at the time of maturity, if you do not redeem it. Interest earned may be added back to the certificate, paid by check or deposited in a checking or savings account. There is a 10-day grace period after the maturity date in which withdrawals or deposits can be made. Withdrawals made after the 10th day will be assessed a penalty. Certificates of Deposit opened online do not qualify for Class Act Club special interest rate increases. Penalty for early withdrawal on Certificates of Deposit. Minimum $500 deposit to open a new account. At maturity, the 13-Month Special CD will automatically renew as Union Bank's standard 12-Month CD unless funds are withdrawn during the grace period. Promotional offer subject to change or discontinuation at any time without notice.

Rate History
No change since Sep 11, 2026 · 3.96% APY · checked 8 times
3.46%3.96%4.46%Sep 11, 2026: 3.96% APYSep 11, 2026Oct 14, 2026
Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
670 Cascade West Pkwy Se, Grand Rapids, MI 49546
Business Certificate of Deposit (CD) - 12 Month
$500
3.96% ▲ 0.84% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Michigan Average3.12%▲ 0.84% above avgNationally 2.99%
Details

Rate History
No change since Sep 11, 2026 · 3.96% APY · checked 3 times
3.46%3.96%4.46%Sep 11, 2026: 3.96% APYSep 11, 2026Oct 14, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
86 Monroe Center St NW, Grand Rapids, MI 49503
1-Year Add-On Certificate or IRA-HSA
$0
3.90% ▲ 0.78% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.78% above avgNationally 2.99%
Details

Add-On; Valid Thru 10/18/2026

Rate History
1 change since Sep 18, 2026 · 3.60% → 3.90% ▲ 0.30 pts · high 3.90% / low 3.60%
3.10%3.75%4.40%Sep 18, 2026: 3.60% APYSep 25, 2026: 3.90% APYSep 18, 2026Oct 14, 2026
  • Sep 25, 20263.90%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
IRA Certificate of Deposit - 12 Months
$0
3.90% ▲ 0.78% above Michigan avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.78% above avgNationally 2.99%
Details

Dividend Rate 3.84%; APY includes .25% bonus for Meijer Team members, Meijer retirees and current MCU members (effective 10/1/26)

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
United Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
900 East Paris Ave Se, Grand Rapids, MI 49546
12 month term
$500
3.75% ▲ 0.63% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.12%▲ 0.63% above avgNationally 2.99%
Details

Open at your local branch

Rate History
No change since Sep 29, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 29, 2026: 3.75% APYSep 29, 2026Oct 14, 2026
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
6000 28th St NE, Grand Rapids, MI 49546
Share Certificate 1 Year
$500
3.75% ▲ 0.63% above Michigan avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.63% above avgNationally 2.99%
Details

Dividend rate for $500 and up

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
630 32nd St SE, Grand Rapids, MI 49548 2306
12 Month Roth Save to Win IRA CD
$25
3.75% ▲ 0.63% above Michigan avg
View
▼
RateN/A
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.12%▲ 0.63% above avgNationally 2.99%
Details

Our prize-linked savings account; 12-month term. Early Withdrawal Penalty: $25. Potential Tax Benefits: No. Allows Deposits After Opening: Yes. Chances to Win Cash Prices: Yes.; Save for retirement with a ROTH or traditional IRA CD

Rate History
No change since Oct 9, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 9, 2026: 3.75% APYOct 9, 2026Oct 14, 2026
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
150 Ann St NW, Grand Rapids, MI 49505 6244
12 Month Certificates of Deposit
$500
3.75% ▲ 0.63% above Michigan avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.63% above avgNationally 2.99%
Details

0.10% APY bonus earned if you also have a M1 Premier Checking Account; for members under 18 the required minimum balance on all CDs is $100.00; a penalty may be assessed for early withdrawals

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 14, 2026
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
150 Ann St NW, Grand Rapids, MI 49505 6244
Certificate of Deposit - 12 Months
$500
3.75% ▲ 0.63% above Michigan avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.63% above avgNationally 2.99%
Details

Members under 18: minimum balance $100.00; 0.10% APY bonus if also holding M1 Premier Checking; early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 14, 2026
AAC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
904 Broadway Ave NW, Grand Rapids, MI 49504 4415
Certificates of Deposit - 12 Month
$0
3.70% ▲ 0.58% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.58% above avgNationally 2.99%
Details

Rates also apply to IRA and HSA Certificates of Deposit

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
630 32nd St SE, Grand Rapids, MI 49548 2306
12 month CD
$500
3.65% ▲ 0.53% above Michigan avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.12%▲ 0.53% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 18, 2026: 3.50% APYOct 9, 2026: 3.65% APYSep 18, 2026Oct 14, 2026
  • Oct 9, 20263.65%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
12 Month IRA/HSA CD - VIP Bonus
$500
3.60% ▲ 0.48% above Michigan avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.48% above avgNationally 2.99%
Details

VIP Bonus Rate; includes 0.25% VIP Relationship Reward Bonus

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 14, 2026
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1619 Plainfield AVE NE, Grand Rapids, MI 49505 4703
12 Month Youth Share Certificate
$100
3.55% ▲ 0.43% above Michigan avg
View
▼
Rate3.49%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.43% above avgNationally 2.99%
Details

Youth club members 17 years old and younger; Penalty for early withdrawal; Rates effective 10/1/2026

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.55% ▲ 0.35 pts · high 3.55% / low 3.20%
2.70%3.38%4.05%Sep 14, 2026: 3.20% APYSep 18, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.55%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
641 44th St SE, Grand Rapids, MI 49548 7525
1 Year Business Share Certificates
$0
3.50% ▲ 0.38% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.38% above avgNationally 2.99%
Details

Balance: $1,000 to $24,999; Tier 1; Dividends are paid from current income and available earnings; APY based on $1,000 or minimum balance requirements, whichever is higher

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 14, 2026
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
641 44th St SE, Grand Rapids, MI 49548 7525
1 Year Share Certificates
$1,000
3.50% ▲ 0.38% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.38% above avgNationally 2.99%
Details

Balance: $1,000 - $24,999; Tiered rate based on Certificate balance

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 14, 2026
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1319 Front Ave NW, Grand Rapids, MI 49504
12 Month CD Special
$500
3.50% ▲ 0.38% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.38% above avgNationally 2.99%
Details

Limited time offer; corresponding 3.44% APR; Penalty may be imposed for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
12 Month CD - VIP Bonus
$500
3.45% ▲ 0.33% above Michigan avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.33% above avgNationally 2.99%
Details

VIP Relationship Reward Bonus; VIP Bonus Rate 3.40%; VIP Bonus APY 3.45%

Rate History
No change since Oct 13, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 13, 2026: 3.45% APYOct 13, 2026Oct 14, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
12 Month IRA/HSA CD
$500
3.35% ▲ 0.23% above Michigan avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.23% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 14, 2026
Priority Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 24.06%
6000 28th St SE Ste 100, Grand Rapids, MI 49546 6927
12 Month CD
$500
3.35% ▲ 0.23% above Michigan avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.23% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.35% ▼ 0.00 pts · high 3.35% / low 3.35%
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 22, 2026: 3.35% APYSep 14, 2026Oct 14, 2026
  • Sep 22, 20263.35%▼ from 3.35%
  • Sep 14, 20263.35%first recorded
Priority Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 24.06%
6000 28th St SE Ste 100, Grand Rapids, MI 49546 6927
IRA 12 Month CD
$500
3.35% ▲ 0.23% above Michigan avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.23% above avgNationally 2.99%
Details

Individual Retirement Account (IRA) CD Rates and Minimum Deposits

Rate History
No change since Oct 13, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 13, 2026: 3.35% APYOct 13, 2026Oct 14, 2026
Northpointe Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
3333 Deposit Dr Ne, Grand Rapids, MI 49546
12 Month Certificate of Deposit
$1,000
3.25% ▲ 0.13% above Michigan avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.12%▲ 0.13% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
6000 28th St SE, Grand Rapids, MI 49546
1 Year Certificate of Deposit
$0
3.25% ▲ 0.13% above Michigan avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.12%▲ 0.13% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1619 Plainfield AVE NE, Grand Rapids, MI 49505 4703
Term Share Certificate - 12 Months
$500
3.20% ▲ 0.08% above Michigan avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.08% above avgNationally 2.99%
Details

Rates effective 10/1/2026; Rates are based on the term selected and on where purchased; Penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 6 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 14, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
12 Month CD
$500
3.20% ▲ 0.08% above Michigan avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.08% above avgNationally 2.99%
Details

Dividend Rate (Interest) 3.15%; APY 3.20%

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 6 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 14, 2026
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
4635 44th St SE, Grand Rapids, MI 49512
Share Certificate - 12 Month
$500
3.19% ▲ 0.07% above Michigan avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.07% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 3.19% APY
2.69%3.19%3.69%Oct 13, 2026: 3.19% APYOct 13, 2026Oct 14, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
1 Year Certificate of Deposit
$0
2.94% ▼ 0.18% below Michigan avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.12%▼ 0.18% below avgNationally 2.99%
Details

Balance: $100,000+

Rate History
No change since Sep 19, 2026 · 2.94% APY · checked 7 times
2.44%2.94%3.44%Sep 19, 2026: 2.94% APYSep 19, 2026Oct 14, 2026
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
12 Month IRA CD
$0
2.78% ▼ 0.34% below Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▼ 0.34% below avgNationally 2.99%
Details

$10,000 or more

Rate History
No change since Oct 13, 2026 · 2.78% APY
2.28%2.78%3.28%Oct 13, 2026: 2.78% APYOct 13, 2026Oct 14, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
1 Year Certificate of Deposit
$0
2.73% ▼ 0.39% below Michigan avg
View
▼
Rate2.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.12%▼ 0.39% below avgNationally 2.99%
Details

Balance: $50,000 - $99,999

Rate History
No change since Sep 27, 2026 · 2.73% APY · checked 5 times
2.23%2.73%3.23%Sep 27, 2026: 2.73% APYSep 27, 2026Oct 14, 2026
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
12 Month IRA CD
$0
2.68% ▼ 0.44% below Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▼ 0.44% below avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 2.68% APY
2.18%2.68%3.18%Oct 13, 2026: 2.68% APYOct 13, 2026Oct 14, 2026
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
12 Month Regular CD
$0
2.68% ▼ 0.44% below Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▼ 0.44% below avgNationally 2.99%
Details

$10,000 or more

Rate History
No change since Oct 13, 2026 · 2.68% APY
2.18%2.68%3.18%Oct 13, 2026: 2.68% APYOct 13, 2026Oct 14, 2026
Independent Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
4200 E Beltline Ave Ne, Grand Rapids, MI 49525
12-Month CD
$500
2.58% ▼ 0.54% below Michigan avg
View
▼
Rate2.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.12%▼ 0.54% below avgNationally 2.99%
Details

Rate History
2 changes since Sep 18, 2026 · 2.32% → 2.58% ▲ 0.26 pts · high 2.58% / low 2.32%
1.82%2.45%3.08%Sep 18, 2026: 2.32% APYSep 24, 2026: 2.43% APYOct 2, 2026: 2.58% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20262.58%▲ from 2.43%
  • Sep 24, 20262.43%▲ from 2.32%
  • Sep 18, 20262.32%first recorded
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
12 Month Regular CD
$0
2.58% ▼ 0.54% below Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▼ 0.54% below avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 2.58% APY
2.08%2.58%3.08%Oct 13, 2026: 2.58% APYOct 13, 2026Oct 14, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
1 Year Certificate of Deposit
$0
2.53% ▼ 0.59% below Michigan avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.12%▼ 0.59% below avgNationally 2.99%
Details

Balance: $0 - $49,999

Rate History
No change since Sep 27, 2026 · 2.53% APY · checked 5 times
2.03%2.53%3.03%Sep 27, 2026: 2.53% APYSep 27, 2026Oct 14, 2026
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
1 Year Certificate
$50,000
2.10% ▼ 1.02% below Michigan avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.12%▼ 1.02% below avgNationally 2.99%
Details

APY = Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates.

Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 6 times
1.60%2.10%2.60%Sep 14, 2026: 2.10% APYSep 14, 2026Oct 14, 2026
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
1 Year IRA Certificate
$50,000
2.10% ▼ 1.02% below Michigan avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.12%▼ 1.02% below avgNationally 2.99%
Details

APY=Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates.

Rate History
2 changes since Sep 14, 2026 · 2.10% → 2.10% ▼ 0.00 pts · high 2.10% / low 1.85%
1.35%1.98%2.60%Sep 14, 2026: 2.10% APYOct 1, 2026: 1.85% APYOct 10, 2026: 2.10% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20262.10%▲ from 1.85%
  • Oct 1, 20261.85%▼ from 2.10%
  • Sep 14, 20262.10%first recorded
1166 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
2900 Charlevoix Dr, Grand Rapids, MI 49546
Certificates of Deposit - 12 Months
$0
2.00% ▼ 1.12% below Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.12%▼ 1.12% below avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 8, 2026: 2.00% APYOct 8, 2026Oct 14, 2026
1166 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
2900 Charlevoix Dr, Grand Rapids, MI 49546
Time Deposit Account - 12 Months
$250
2.00% ▼ 1.12% below Michigan avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.12%▼ 1.12% below avgNationally 2.99%
Details

Rate History
No change since Sep 25, 2026 · 2.00% APY · checked 4 times
1.50%2.00%2.50%Sep 25, 2026: 2.00% APYSep 25, 2026Oct 14, 2026
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
1 Year Certificate
$500
2.00% ▼ 1.12% below Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.12%▼ 1.12% below avgNationally 2.99%
Details

APY = Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates.

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
1 Year IRA Certificate
$500
2.00% ▼ 1.12% below Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.12%▼ 1.12% below avgNationally 2.99%
Details

APY=Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates.

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
6000 28th St SE Ste 100, Grand Rapids, MI 49546
1 Year Certificate
$1,000
1.91% ▼ 1.21% below Michigan avg
View
▼
Rate1.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▼ 1.21% below avgNationally 2.99%
Details

Early withdrawal subject to dividend penalty

Rate History
No change since Sep 14, 2026 · 1.91% APY · checked 2 times
1.41%1.91%2.41%Sep 14, 2026: 1.91% APYSep 14, 2026Oct 14, 2026

Grand Rapids 18 Month CD Rates

Michigan 18 Month CD Average3.10% APYNational 2.88%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
18 Month Certificate of Deposit
$0
4.30% ▲ 1.20% above Michigan avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.10%▲ 1.20% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 5 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Oct 14, 2026
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
Time Certificate of Deposit - 18 Month
$0
4.30% ▲ 1.20% above Michigan avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.10%▲ 1.20% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 14, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
1969 44th St Se, Grand Rapids, MI 49508
18-MONTH CD
$500
4.25% ▲ 1.15% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.10%▲ 1.15% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 14, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
86 Monroe Center St NW, Grand Rapids, MI 49503
18 Month Certificate or IRA-HSA Jumbo
$0
4.15% ▲ 1.05% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 1.05% above avgNationally 2.88%
Details

Jumbo; Valid Thru 10/18/2026

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85%
3.35%4.00%4.65%Sep 18, 2026: 3.85% APYSep 25, 2026: 4.15% APYSep 18, 2026Oct 14, 2026
  • Sep 25, 20264.15%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
86 Monroe Center St NW, Grand Rapids, MI 49503
18 Month Certificate or IRA-HSA
$0
4.00% ▲ 0.90% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 0.90% above avgNationally 2.88%
Details

Valid Thru 10/18/2026

Rate History
1 change since Sep 18, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
3.20%3.85%4.50%Sep 18, 2026: 3.70% APYSep 25, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
  • Sep 25, 20264.00%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
630 32nd St SE, Grand Rapids, MI 49548 2306
18 month CD
$500
3.70% ▲ 0.60% above Michigan avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.10%▲ 0.60% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.50% → 3.70% ▲ 0.20 pts · high 3.70% / low 3.50%
3.00%3.60%4.20%Sep 18, 2026: 3.50% APYOct 9, 2026: 3.70% APYSep 18, 2026Oct 14, 2026
  • Oct 9, 20263.70%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
630 32nd St SE, Grand Rapids, MI 49548 2306
18-month CD
$500
3.70% ▲ 0.60% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.10%▲ 0.60% above avgNationally 2.88%
Details

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

Rate History
1 change since Sep 18, 2026 · 3.50% → 3.70% ▲ 0.20 pts · high 3.70% / low 3.50%
3.00%3.60%4.20%Sep 18, 2026: 3.50% APYOct 9, 2026: 3.70% APYSep 18, 2026Oct 14, 2026
  • Oct 9, 20263.70%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
18 Month IRA/HSA CD - VIP Bonus
$500
3.65% ▲ 0.55% above Michigan avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 0.55% above avgNationally 2.88%
Details

VIP Bonus Rate; includes 0.25% VIP Relationship Reward Bonus

Rate History
No change since Oct 13, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 14, 2026
AAC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
904 Broadway Ave NW, Grand Rapids, MI 49504 4415
Certificates of Deposit - 18 Month
$0
3.60% ▲ 0.50% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 0.50% above avgNationally 2.88%
Details

Rates also apply to IRA and HSA Certificates of Deposit

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
Northpointe Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
3333 Deposit Dr Ne, Grand Rapids, MI 49546
18 Month Certificate of Deposit
$1,000
3.50% ▲ 0.40% above Michigan avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.10%▲ 0.40% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
18 Month CD - VIP Bonus
$500
3.50% ▲ 0.40% above Michigan avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 0.40% above avgNationally 2.88%
Details

VIP Relationship Reward Bonus; VIP Bonus Rate 3.45%; VIP Bonus APY 3.50%

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 14, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
18 Month IRA/HSA CD
$500
3.40% ▲ 0.30% above Michigan avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 0.30% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 14, 2026
Priority Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 24.06%
6000 28th St SE Ste 100, Grand Rapids, MI 49546 6927
18 Month CD
$500
3.35% ▲ 0.25% above Michigan avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 0.25% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.35% ▼ 0.00 pts · high 3.35% / low 3.35%
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 22, 2026: 3.35% APYSep 14, 2026Oct 14, 2026
  • Sep 22, 20263.35%▼ from 3.35%
  • Sep 14, 20263.35%first recorded
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1619 Plainfield AVE NE, Grand Rapids, MI 49505 4703
Term Share Certificate - 18 Months
$500
3.30% ▲ 0.20% above Michigan avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 0.20% above avgNationally 2.88%
Details

Rates effective 10/1/2026; Rates are based on the term selected and on where purchased; Penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 14, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
18 Month CD
$500
3.25% ▲ 0.15% above Michigan avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 0.15% above avgNationally 2.88%
Details

Dividend Rate (Interest) 3.20%; APY 3.25%

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
4635 44th St SE, Grand Rapids, MI 49512
Share Certificate - 18 Month
$500
3.24% ▲ 0.14% above Michigan avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 0.14% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 3.24% APY
2.74%3.24%3.74%Oct 13, 2026: 3.24% APYOct 13, 2026Oct 14, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
18 Month Certificate of Deposit
$0
3.20% ▲ 0.10% above Michigan avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.10%▲ 0.10% above avgNationally 2.88%
Details

Balance: $100,000+

Rate History
No change since Sep 19, 2026 · 3.20% APY · checked 7 times
2.70%3.20%3.70%Sep 19, 2026: 3.20% APYSep 19, 2026Oct 14, 2026
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
$5,000
3.00% ▼ 0.10% below Michigan avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.10%▼ 0.10% below avgNationally 2.88%
Details

Maximum balance: $250,000.00; Dividends must be transferred to share account

Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 14, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
18 Month Certificate of Deposit
$0
2.99% ▼ 0.11% below Michigan avg
View
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.10%▼ 0.11% below avgNationally 2.88%
Details

Balance: $50,000 - $99,999

Rate History
No change since Sep 27, 2026 · 2.99% APY · checked 5 times
2.49%2.99%3.49%Sep 27, 2026: 2.99% APYSep 27, 2026Oct 14, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
18 Month Certificate of Deposit
$0
2.78% ▼ 0.32% below Michigan avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.10%▼ 0.32% below avgNationally 2.88%
Details

Balance: $0 - $49,999

Rate History
No change since Sep 27, 2026 · 2.78% APY · checked 5 times
2.28%2.78%3.28%Sep 27, 2026: 2.78% APYSep 27, 2026Oct 14, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
18 Month Certificate
$0
1.65% ▼ 1.45% below Michigan avg
View
▼
Rate1.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.10%▼ 1.45% below avgNationally 2.88%
Details

Effective Date: October 01, 2026

Rate History
1 change since Sep 12, 2026 · 1.60% → 1.65% ▲ 0.05 pts · high 1.65% / low 1.60%
1.10%1.63%2.15%Sep 12, 2026: 1.60% APYOct 12, 2026: 1.65% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20261.65%▲ from 1.60%
  • Sep 12, 20261.60%first recorded
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
Share and IRA Certificates - 18 Months
$0
1.65% ▼ 1.45% below Michigan avg
View
▼
Rate1.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.10%▼ 1.45% below avgNationally 2.88%
Details

APY with Bonus Rate: 1.75%

Rate History
No change since Oct 12, 2026 · 1.65% APY
1.15%1.65%2.15%Oct 12, 2026: 1.65% APYOct 12, 2026Oct 14, 2026
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1319 Front Ave NW, Grand Rapids, MI 49504
18 Month CD
$500
1.26% ▼ 1.84% below Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▼ 1.84% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 6 times
0.76%1.26%1.76%Sep 14, 2026: 1.26% APYSep 14, 2026Oct 14, 2026
Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
670 Cascade West Pkwy Se, Grand Rapids, MI 49546
18 Month Certificate of Deposit
$500
1.00% ▼ 2.10% below Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Michigan Average3.10%▼ 2.10% below avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 19, 2026: 1.00% APYSep 19, 2026Oct 14, 2026
Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
670 Cascade West Pkwy Se, Grand Rapids, MI 49546
Business Certificate of Deposit (CD) - 18 Month
$500
1.00% ▼ 2.10% below Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Michigan Average3.10%▼ 2.10% below avgNationally 2.88%
Details

Rate History
No change since Sep 11, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 11, 2026: 1.00% APYSep 11, 2026Oct 14, 2026
1166 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
2900 Charlevoix Dr, Grand Rapids, MI 49546
IRA Certificate of Deposit - 18 Months
$250
0.15% ▼ 2.95% below Michigan avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.10%▼ 2.95% below avgNationally 2.88%
Details

Rate History
No change since Sep 25, 2026 · 0.15% APY · checked 4 times
0.00%0.33%0.65%Sep 25, 2026: 0.15% APYSep 25, 2026Oct 14, 2026
1166 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
2900 Charlevoix Dr, Grand Rapids, MI 49546
IRA Certificates of Deposit - 18 Months
$0
0.15% ▼ 2.95% below Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.10%▼ 2.95% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 8, 2026: 0.15% APYOct 8, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
171 Monroe Ave Nw, Grand Rapids, MI 49503
18 Month Certificate of Deposit
$0
0.03% ▼ 3.07% below Michigan avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.10%▼ 3.07% below avgNationally 2.88%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
171 Monroe Ave Nw, Grand Rapids, MI 49503
18 Month Certificate of Deposit
$0
0.02% ▼ 3.08% below Michigan avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.10%▼ 3.08% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
171 Monroe Ave Nw, Grand Rapids, MI 49503
18 Month Certificate of Deposit
$0
0.01% ▼ 3.09% below Michigan avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.10%▼ 3.09% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
18-Month Special - Military
$500
5.25% ▲ 2.15% above Michigan avg
View
▼
Rate5.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.10%▲ 2.15% above avgNationally 2.88%
Details

Qualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.

Rate History
No change since Oct 9, 2026 · 5.25% APY · checked 3 times
4.75%5.25%5.75%Oct 9, 2026: 5.25% APYOct 9, 2026Oct 14, 2026
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
18 Month Certificate
$500
4.50% ▲ 1.40% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 1.40% above avgNationally 2.88%
Details

Dividends compounded and credited monthly; Rates effective as of October 13, 2026

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10%
3.60%4.30%5.00%Sep 14, 2026: 4.10% APYSep 29, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.50%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Certificates of Deposit - 18 Month
$0
4.50% ▲ 1.40% above Michigan avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 1.40% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10%
3.60%4.30%5.00%Sep 14, 2026: 4.10% APYSep 29, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.50%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
18 Month Certificate
$500
4.29% ▲ 1.19% above Michigan avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.10%▲ 1.19% above avgNationally 2.88%
Details

Rate History
No change since Sep 25, 2026 · 4.29% APY · checked 3 times
3.79%4.29%4.79%Sep 25, 2026: 4.29% APYSep 25, 2026Oct 14, 2026
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
18 Month Share Certificate
$500
4.29% ▲ 1.19% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.10%▲ 1.19% above avgNationally 2.88%
Details

Only new funds eligible for promotional rate. Qualifications apply.

Rate History
No change since Oct 4, 2026 · 4.29% APY · checked 2 times
3.79%4.29%4.79%Oct 4, 2026: 4.29% APYOct 4, 2026Oct 14, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 18 Month
$0
4.25% ▲ 1.15% above Michigan avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.10%▲ 1.15% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
3.60%4.18%4.75%Sep 14, 2026: 4.10% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.25%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
18-Month Special Certificate of Deposit
$500
4.25% ▲ 1.15% above Michigan avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.10%▲ 1.15% above avgNationally 2.88%
Details

18-Month Special: At maturity, the CD will be renewed into a 24-month CD.

Rate History
No change since Oct 9, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 9, 2026: 4.25% APYOct 9, 2026Oct 14, 2026
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Simple CDs - 18 Months
$0
4.25% ▲ 1.15% above Michigan avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.10%▲ 1.15% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
3.45%4.10%4.75%Sep 14, 2026: 3.95% APYOct 6, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 6, 20264.25%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
18-month CD
$1,000
4.15% ▲ 1.05% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.10%▲ 1.05% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYSep 24, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
18 Month Certificate of Deposit
$1,000
4.15% ▲ 1.05% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 1.05% above avgNationally 2.88%
Details

Rate History
1 change since Sep 22, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 22, 2026: 3.75% APYOct 9, 2026: 4.15% APYSep 22, 2026Oct 14, 2026
  • Oct 9, 20264.15%▲ from 3.75%
  • Sep 22, 20263.75%first recorded
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Certificates - 18 Months
$1,000
4.15% ▲ 1.05% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 1.05% above avgNationally 2.88%
Details

Minimum balance of $1000 required to open. Dividends are paid monthly.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 14, 2026: 3.75% APYOct 9, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.15%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
18 Month Certificate
$500
4.10% ▲ 1.00% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.10%▲ 1.00% above avgNationally 2.88%
Details

Rate History
No change since Sep 16, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Sep 16, 2026: 4.10% APYSep 16, 2026Oct 14, 2026
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
18 Month IRA Certificate
$0
4.10% ▲ 1.00% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.10%▲ 1.00% above avgNationally 2.88%
Details

Individual accounts only

Rate History
No change since Sep 16, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 16, 2026: 4.10% APYSep 16, 2026Oct 14, 2026
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
Share Certificates - 18 Months
$1,000
4.10% ▲ 1.00% above Michigan avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.10%▲ 1.00% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 8, 2026: 4.10% APYOct 8, 2026Oct 14, 2026
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
18 Month Certificate
$500
4.07% ▲ 0.97% above Michigan avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.10%▲ 0.97% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
3.37%3.97%4.57%Sep 14, 2026: 3.87% APYOct 9, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.07%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
18 Month Jumbo and Jumbo IRA Certificate
$100,000
4.01% ▲ 0.91% above Michigan avg
View
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.10%▲ 0.91% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 6 times
3.51%4.01%4.51%Sep 14, 2026: 4.01% APYSep 14, 2026Oct 14, 2026
Dearborn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
18 MONTH VARIABLE RATE IRA
$100
3.96% ▲ 0.86% above Michigan avg
View
▼
Rate3.89%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.10%▲ 0.86% above avgNationally 2.88%
Details

The interest rate and APY may change after account opening

Rate History
1 change since Sep 14, 2026 · 3.79% → 3.96% ▲ 0.17 pts · high 3.96% / low 3.79%
3.29%3.88%4.46%Sep 14, 2026: 3.79% APYOct 3, 2026: 3.96% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20263.96%▲ from 3.79%
  • Sep 14, 20263.79%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
18 Month IRA Certificate
$500
3.96% ▲ 0.86% above Michigan avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.10%▲ 0.86% above avgNationally 2.88%
Details

Penalty for early withdrawal.

Rate History
No change since Sep 18, 2026 · 3.96% APY · checked 4 times
3.46%3.96%4.46%Sep 18, 2026: 3.96% APYSep 18, 2026Oct 14, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
18 Month Term Certificate
$500
3.96% ▲ 0.86% above Michigan avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.10%▲ 0.86% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 6 times
3.46%3.96%4.46%Sep 14, 2026: 3.96% APYSep 14, 2026Oct 14, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
CD - 18 Month
$0
3.95% ▲ 0.85% above Michigan avg
View
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.10%▲ 0.85% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.95% ▲ 0.15 pts · high 3.95% / low 3.80%
3.30%3.88%4.45%Sep 14, 2026: 3.80% APYSep 24, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20263.95%▲ from 3.80%
  • Sep 14, 20263.80%first recorded

Grand Rapids 24 Month CD Rates

Michigan 24 Month CD Average2.97% APYNational 2.88%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
2 Year Rising Rate Certificate of Deposit - Year 2 term
$0
4.75% ▲ 1.78% above Michigan avg
View
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.97%▲ 1.78% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.75% APY · checked 3 times
4.25%4.75%5.25%Oct 7, 2026: 4.75% APYOct 7, 2026Oct 14, 2026
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
641 44th St SE, Grand Rapids, MI 49548 7525
2 Year Business Share Certificates
$0
4.40% ▲ 1.43% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 1.43% above avgNationally 2.88%
Details

Balance: $1,000 to $24,999

Rate History
No change since Oct 13, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 13, 2026: 4.40% APYOct 13, 2026Oct 14, 2026
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
641 44th St SE, Grand Rapids, MI 49548 7525
2 Year Share Certificates
$1,000
4.40% ▲ 1.43% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 1.43% above avgNationally 2.88%
Details

Balance: $1,000 to $24,999; Tier 1

Rate History
No change since Oct 13, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 13, 2026: 4.40% APYOct 13, 2026Oct 14, 2026
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
24 Month Certificate of Deposit
$0
4.30% ▲ 1.33% above Michigan avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.97%▲ 1.33% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Sep 18, 2026: 4.00% APYSep 24, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20264.30%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
Time Certificate of Deposit - 24 Month
$0
4.30% ▲ 1.33% above Michigan avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.97%▲ 1.33% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 14, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
86 Monroe Center St NW, Grand Rapids, MI 49503
2-Year Certificate or IRA-HSA Jumbo
$0
4.30% ▲ 1.33% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 1.33% above avgNationally 2.88%
Details

Jumbo; Valid Thru 10/18/2026

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
3.65%4.23%4.80%Sep 18, 2026: 4.15% APYSep 25, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
  • Sep 25, 20264.30%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
2355 Burton St Se, Grand Rapids, MI 49506
24-month CD/IRA Promotional Rate
$0
4.25% ▲ 1.28% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.97%▲ 1.28% above avgNationally 2.88%
Details

Promotional Rate. Rates may vary by zip code. APY (Annual Percentage Yield) effective 9/25/2026 for a limited time. See Details.

Rate History
No change since Sep 27, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 27, 2026: 4.25% APYSep 27, 2026Oct 14, 2026
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
24 Month Certificate of Deposit
$0
4.25% ▲ 1.28% above Michigan avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 1.28% above avgNationally 2.88%
Details

APY includes .25% bonus for Meijer Team members, Meijer retirees and current MCU members

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 14, 2026: 3.90% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.25%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
1969 44th St Se, Grand Rapids, MI 49508
24-MONTH CD
$500
4.25% ▲ 1.28% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.97%▲ 1.28% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.25%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
86 Monroe Center St NW, Grand Rapids, MI 49503
2-Year Certificate or IRA-HSA
$0
4.15% ▲ 1.18% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 1.18% above avgNationally 2.88%
Details

Valid Thru 10/18/2026

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 18, 2026: 4.00% APYSep 25, 2026: 4.15% APYSep 18, 2026Oct 14, 2026
  • Sep 25, 20264.15%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
United Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
900 East Paris Ave Se, Grand Rapids, MI 49546
24 month CD Special
$0
4.00% ▲ 1.03% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.97%▲ 1.03% above avgNationally 2.88%
Details

Limited time CD Special.

Rate History
No change since Sep 8, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 8, 2026: 4.00% APYSep 8, 2026Oct 14, 2026
United Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
900 East Paris Ave Se, Grand Rapids, MI 49546
24 month term
$500
4.00% ▲ 1.03% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.97%▲ 1.03% above avgNationally 2.88%
Details

Open at your local branch

Rate History
No change since Sep 29, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 29, 2026: 4.00% APYSep 29, 2026Oct 14, 2026
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
630 32nd St SE, Grand Rapids, MI 49548 2306
24 month CD
$500
3.80% ▲ 0.83% above Michigan avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.97%▲ 0.83% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.80% ▲ 0.50 pts · high 3.80% / low 3.30%
2.80%3.55%4.30%Sep 14, 2026: 3.30% APYOct 9, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.80%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
IRA Certificate of Deposit - 24 Months
$0
3.75% ▲ 0.78% above Michigan avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.78% above avgNationally 2.88%
Details

Dividend Rate 3.70%; APY includes .25% bonus for Meijer Team members, Meijer retirees and current MCU members (effective 10/1/26)

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
24 Month IRA/HSA CD - VIP Bonus
$500
3.65% ▲ 0.68% above Michigan avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.68% above avgNationally 2.88%
Details

VIP Bonus Rate; includes 0.25% VIP Relationship Reward Bonus

Rate History
No change since Oct 13, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 14, 2026
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
150 Ann St NW, Grand Rapids, MI 49505 6244
24 Month Certificates of Deposit
$500
3.60% ▲ 0.63% above Michigan avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.63% above avgNationally 2.88%
Details

0.10% APY bonus earned if you also have a M1 Premier Checking Account; for members under 18 the required minimum balance on all CDs is $100.00; a penalty may be assessed for early withdrawals

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 14, 2026
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
150 Ann St NW, Grand Rapids, MI 49505 6244
Certificate of Deposit - 24 Months
$500
3.60% ▲ 0.63% above Michigan avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.63% above avgNationally 2.88%
Details

Members under 18: minimum balance $100.00; 0.10% APY bonus if also holding M1 Premier Checking; early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 14, 2026
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1619 Plainfield AVE NE, Grand Rapids, MI 49505 4703
Term Share Certificate - 24 Months
$500
3.55% ▲ 0.58% above Michigan avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.58% above avgNationally 2.88%
Details

Rates effective 10/1/2026; Rates are based on the term selected and on where purchased; Penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.55% ▲ 0.55 pts · high 3.55% / low 3.00%
2.45%3.28%4.10%Sep 14, 2026: 3.00% APYSep 18, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.55%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Northpointe Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
3333 Deposit Dr Ne, Grand Rapids, MI 49546
24 Month Certificate of Deposit
$1,000
3.50% ▲ 0.53% above Michigan avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.97%▲ 0.53% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
AAC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
904 Broadway Ave NW, Grand Rapids, MI 49504 4415
Certificates of Deposit - 24 Month
$0
3.50% ▲ 0.53% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.53% above avgNationally 2.88%
Details

Rates also apply to IRA and HSA Certificates of Deposit

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
24 Month CD - VIP Bonus
$500
3.50% ▲ 0.53% above Michigan avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.53% above avgNationally 2.88%
Details

VIP Relationship Reward Bonus; VIP Bonus Rate 3.45%; VIP Bonus APY 3.50%

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 14, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
2 Year Certificate of Deposit
$0
3.45% ▲ 0.48% above Michigan avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.97%▲ 0.48% above avgNationally 2.88%
Details

Balance: $100,000+

Rate History
No change since Sep 19, 2026 · 3.45% APY · checked 7 times
2.95%3.45%3.95%Sep 19, 2026: 3.45% APYSep 19, 2026Oct 14, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
24 Month IRA/HSA CD
$500
3.40% ▲ 0.43% above Michigan avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.43% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 14, 2026
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
4635 44th St SE, Grand Rapids, MI 49512
Share Certificate - 24 Month
$500
3.34% ▲ 0.37% above Michigan avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.37% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 3.34% APY
2.84%3.34%3.84%Oct 13, 2026: 3.34% APYOct 13, 2026Oct 14, 2026
Priority Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 24.06%
6000 28th St SE Ste 100, Grand Rapids, MI 49546 6927
24 Month CD
$500
3.30% ▲ 0.33% above Michigan avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.33% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.30% ▼ 0.00 pts · high 3.30% / low 3.30%
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 22, 2026: 3.30% APYSep 14, 2026Oct 14, 2026
  • Sep 22, 20263.30%▼ from 3.30%
  • Sep 14, 20263.30%first recorded
Priority Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 24.06%
6000 28th St SE Ste 100, Grand Rapids, MI 49546 6927
IRA 24 Month CD
$500
3.30% ▲ 0.33% above Michigan avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.33% above avgNationally 2.88%
Details

Individual Retirement Account (IRA) CD Rates and Minimum Deposits

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
2 Year Certificate of Deposit
$0
3.25% ▲ 0.28% above Michigan avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.97%▲ 0.28% above avgNationally 2.88%
Details

Balance: $50,000 - $99,999

Rate History
No change since Sep 27, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 27, 2026: 3.25% APYSep 27, 2026Oct 14, 2026
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
6000 28th St NE, Grand Rapids, MI 49546
Share Certificate 2 Years
$500
3.25% ▲ 0.28% above Michigan avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.28% above avgNationally 2.88%
Details

Dividend rate for $500 and up

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1619 Plainfield AVE NE, Grand Rapids, MI 49505 4703
24 Month Youth Share Certificate
$100
3.25% ▲ 0.28% above Michigan avg
View
▼
Rate3.20%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.28% above avgNationally 2.88%
Details

Youth club members 17 years old and younger; Penalty for early withdrawal; Rates effective 10/1/2026

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
2.50%3.13%3.75%Sep 14, 2026: 3.00% APYSep 18, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.25%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
24 Month CD
$500
3.25% ▲ 0.28% above Michigan avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.28% above avgNationally 2.88%
Details

Dividend Rate (Interest) 3.20%; APY 3.25%

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
2 Year Certificate of Deposit
$0
3.04% ▲ 0.07% above Michigan avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.97%▲ 0.07% above avgNationally 2.88%
Details

Balance: $0 - $49,999

Rate History
No change since Sep 27, 2026 · 3.04% APY · checked 5 times
2.54%3.04%3.54%Sep 27, 2026: 3.04% APYSep 27, 2026Oct 14, 2026
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
24 Month IRA CD
$0
2.93% ▼ 0.04% below Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▼ 0.04% below avgNationally 2.88%
Details

$10,000 or more

Rate History
No change since Oct 13, 2026 · 2.93% APY
2.43%2.93%3.43%Oct 13, 2026: 2.93% APYOct 13, 2026Oct 14, 2026
Independent Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
4200 E Beltline Ave Ne, Grand Rapids, MI 49525
24-Month CD
$500
2.89% ▼ 0.08% below Michigan avg
View
▼
Rate2.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.97%▼ 0.08% below avgNationally 2.88%
Details

Rate History
2 changes since Sep 18, 2026 · 2.68% → 2.89% ▲ 0.21 pts · high 2.89% / low 2.68%
2.18%2.79%3.39%Sep 18, 2026: 2.68% APYSep 24, 2026: 2.73% APYOct 2, 2026: 2.89% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20262.89%▲ from 2.73%
  • Sep 24, 20262.73%▲ from 2.68%
  • Sep 18, 20262.68%first recorded
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
24 Month Regular CD
$0
2.84% ▼ 0.13% below Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▼ 0.13% below avgNationally 2.88%
Details

$10,000 or more

Rate History
No change since Oct 13, 2026 · 2.84% APY
2.34%2.84%3.34%Oct 13, 2026: 2.84% APYOct 13, 2026Oct 14, 2026
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
24 Month IRA CD
$0
2.83% ▼ 0.14% below Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▼ 0.14% below avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 2.83% APY
2.33%2.83%3.33%Oct 13, 2026: 2.83% APYOct 13, 2026Oct 14, 2026
Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
6000 28th St SE, Grand Rapids, MI 49546
2 Years Certificate of Deposit
$0
2.75% ▼ 0.22% below Michigan avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.97%▼ 0.22% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 14, 2026
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
24 Month Regular CD
$0
2.73% ▼ 0.24% below Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▼ 0.24% below avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 2.73% APY
2.23%2.73%3.23%Oct 13, 2026: 2.73% APYOct 13, 2026Oct 14, 2026
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
2 Year Certificate
$50,000
2.35% ▼ 0.62% below Michigan avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.97%▼ 0.62% below avgNationally 2.88%
Details

APY = Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates.

Rate History
No change since Sep 14, 2026 · 2.35% APY · checked 6 times
1.85%2.35%2.85%Sep 14, 2026: 2.35% APYSep 14, 2026Oct 14, 2026
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
2 Year IRA Certificate
$50,000
2.35% ▼ 0.62% below Michigan avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.97%▼ 0.62% below avgNationally 2.88%
Details

APY=Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates.

Rate History
2 changes since Sep 14, 2026 · 2.35% → 2.35% ▼ 0.00 pts · high 2.35% / low 2.10%
1.60%2.23%2.85%Sep 14, 2026: 2.35% APYOct 1, 2026: 2.10% APYOct 10, 2026: 2.35% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20262.35%▲ from 2.10%
  • Oct 1, 20262.10%▼ from 2.35%
  • Sep 14, 20262.35%first recorded
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
2 Year Certificate
$500
2.25% ▼ 0.72% below Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.97%▼ 0.72% below avgNationally 2.88%
Details

APY = Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates.

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 6 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 14, 2026
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
2 Year IRA Certificate
$500
2.25% ▼ 0.72% below Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.97%▼ 0.72% below avgNationally 2.88%
Details

APY=Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates.

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 6 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 14, 2026
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
6000 28th St SE Ste 100, Grand Rapids, MI 49546
2 Year Certificate
$1,000
2.01% ▼ 0.96% below Michigan avg
View
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▼ 0.96% below avgNationally 2.88%
Details

Early withdrawal subject to dividend penalty

Rate History
No change since Sep 14, 2026 · 2.01% APY · checked 2 times
1.51%2.01%2.51%Sep 14, 2026: 2.01% APYSep 14, 2026Oct 14, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
24 Month Certificate
$0
1.85% ▼ 1.12% below Michigan avg
View
▼
Rate1.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.97%▼ 1.12% below avgNationally 2.88%
Details

Effective Date: October 01, 2026

Rate History
1 change since Sep 12, 2026 · 1.95% → 1.85% ▼ 0.10 pts · high 1.95% / low 1.85%
1.35%1.90%2.45%Sep 12, 2026: 1.95% APYOct 12, 2026: 1.85% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20261.85%▼ from 1.95%
  • Sep 12, 20261.95%first recorded
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
Share and IRA Certificates - 24 Months
$0
1.85% ▼ 1.12% below Michigan avg
View
▼
Rate1.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.97%▼ 1.12% below avgNationally 2.88%
Details

APY with Bonus Rate: 1.95%

Rate History
No change since Oct 12, 2026 · 1.85% APY
1.35%1.85%2.35%Oct 12, 2026: 1.85% APYOct 12, 2026Oct 14, 2026
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1319 Front Ave NW, Grand Rapids, MI 49504
24 Month CD
$500
1.76% ▼ 1.21% below Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▼ 1.21% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 1.76% APY · checked 6 times
1.26%1.76%2.26%Sep 14, 2026: 1.76% APYSep 14, 2026Oct 14, 2026
Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
670 Cascade West Pkwy Se, Grand Rapids, MI 49546
24 Month Certificate of Deposit
$500
1.00% ▼ 1.97% below Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Michigan Average2.97%▼ 1.97% below avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 19, 2026: 1.00% APYSep 19, 2026Oct 14, 2026
Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
670 Cascade West Pkwy Se, Grand Rapids, MI 49546
Business Certificate of Deposit (CD) - 24 Month
$500
1.00% ▼ 1.97% below Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Michigan Average2.97%▼ 1.97% below avgNationally 2.88%
Details

Rate History
No change since Sep 11, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 11, 2026: 1.00% APYSep 11, 2026Oct 14, 2026
Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
6770 Kalamazoo Ave SE, Grand Rapids, MI 49508 7032
24 Month CD
$1,000
0.50% ▼ 2.47% below Michigan avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▼ 2.47% below avgNationally 2.88%
Details

Balance: $25,000+; $1,000 minimum deposit required; Early withdrawal penalty applies

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 14, 2026
Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
6770 Kalamazoo Ave SE, Grand Rapids, MI 49508 7032
24 Month CD
$1,000
0.45% ▼ 2.52% below Michigan avg
View
▼
Rate0.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▼ 2.52% below avgNationally 2.88%
Details

Balance: $1,000-$24,999; $1,000 minimum deposit required; Early withdrawal penalty applies

Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 5 times
0.00%0.48%0.95%Sep 14, 2026: 0.45% APYSep 14, 2026Oct 14, 2026
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
6000 28th St SE, GRAND RAPIDS, MI 49546
24 Month Certificate
$1,000
0.25% ▼ 2.72% below Michigan avg
View
▼
Rate0.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.97%▼ 2.72% below avgNationally 2.88%
Details

Minimum of $1000.00

Rate History
No change since Oct 8, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Oct 8, 2026: 0.25% APYOct 8, 2026Oct 14, 2026

Grand Rapids 36 Month CD Rates

Michigan 36 Month CD Average2.94% APYNational 2.81%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
3-Year Rising Rate Certificate of Deposit - Year 3 term
$0
5.00% ▲ 2.06% above Michigan avg
View
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.94%▲ 2.06% above avgNationally 2.81%
Details

Rate History
No change since Sep 19, 2026 · 5.00% APY · checked 4 times
4.50%5.00%5.50%Sep 19, 2026: 5.00% APYSep 19, 2026Oct 14, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
3-Year Rising Rate Certificate of Deposit - Blended APY
$0
4.75% ▲ 1.81% above Michigan avg
View
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.94%▲ 1.81% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 4.75% APY · checked 3 times
4.25%4.75%5.25%Oct 7, 2026: 4.75% APYOct 7, 2026Oct 14, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
3-Year Rising Rate Certificate of Deposit - Year 2 term
$0
4.75% ▲ 1.81% above Michigan avg
View
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.94%▲ 1.81% above avgNationally 2.81%
Details

Rate History
No change since Sep 19, 2026 · 4.75% APY · checked 4 times
4.25%4.75%5.25%Sep 19, 2026: 4.75% APYSep 19, 2026Oct 14, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
3-Year Rising Rate Certificate of Deposit - Year 1 term
$0
4.50% ▲ 1.56% above Michigan avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.94%▲ 1.56% above avgNationally 2.81%
Details

Rate History
No change since Sep 19, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Sep 19, 2026: 4.50% APYSep 19, 2026Oct 14, 2026
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
36 Month Certificate of Deposit
$0
4.45% ▲ 1.51% above Michigan avg
View
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.94%▲ 1.51% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 18, 2026 · 4.00% → 4.45% ▲ 0.45 pts · high 4.45% / low 4.00%
3.50%4.23%4.95%Sep 18, 2026: 4.00% APYSep 24, 2026: 4.30% APYOct 2, 2026: 4.45% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.45%▲ from 4.30%
  • Sep 24, 20264.30%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
Time Certificate of Deposit - 36 Month
$0
4.45% ▲ 1.51% above Michigan avg
View
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.94%▲ 1.51% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 7, 2026: 4.45% APYOct 7, 2026Oct 14, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
86 Monroe Center St NW, Grand Rapids, MI 49503
3-Year Certificate or IRA-HSA Jumbo
$0
4.35% ▲ 1.41% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 1.41% above avgNationally 2.81%
Details

Jumbo; Valid Thru 10/18/2026

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 18, 2026: 4.00% APYSep 25, 2026: 4.35% APYSep 18, 2026Oct 14, 2026
  • Sep 25, 20264.35%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
86 Monroe Center St NW, Grand Rapids, MI 49503
3-Year Certificate or IRA-HSA
$0
4.20% ▲ 1.26% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 1.26% above avgNationally 2.81%
Details

Valid Thru 10/18/2026

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 18, 2026: 3.85% APYSep 25, 2026: 4.20% APYSep 18, 2026Oct 14, 2026
  • Sep 25, 20264.20%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
630 32nd St SE, Grand Rapids, MI 49548 2306
36 month CD
$500
3.90% ▲ 0.96% above Michigan avg
View
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.94%▲ 0.96% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.90% ▲ 0.60 pts · high 3.90% / low 3.30%
2.70%3.60%4.50%Sep 14, 2026: 3.30% APYOct 9, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.90%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
36 Month IRA/HSA CD - VIP Bonus
$500
3.75% ▲ 0.81% above Michigan avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.81% above avgNationally 2.81%
Details

VIP Bonus Rate; includes 0.25% VIP Relationship Reward Bonus

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 14, 2026
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
150 Ann St NW, Grand Rapids, MI 49505 6244
36 Month Certificates of Deposit
$500
3.70% ▲ 0.76% above Michigan avg
View
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.76% above avgNationally 2.81%
Details

0.10% APY bonus earned if you also have a M1 Premier Checking Account; for members under 18 the required minimum balance on all CDs is $100.00; a penalty may be assessed for early withdrawals

Rate History
No change since Oct 13, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 13, 2026: 3.70% APYOct 13, 2026Oct 14, 2026
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
150 Ann St NW, Grand Rapids, MI 49505 6244
Certificate of Deposit - 36 Months
$500
3.70% ▲ 0.76% above Michigan avg
View
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.76% above avgNationally 2.81%
Details

Members under 18: minimum balance $100.00; 0.10% APY bonus if also holding M1 Premier Checking; early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 13, 2026: 3.70% APYOct 13, 2026Oct 14, 2026
Northpointe Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
3333 Deposit Dr Ne, Grand Rapids, MI 49546
36 Month Certificate of Deposit
$1,000
3.60% ▲ 0.66% above Michigan avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.94%▲ 0.66% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 14, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
36 Month CD - VIP Bonus
$500
3.60% ▲ 0.66% above Michigan avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.66% above avgNationally 2.81%
Details

VIP Relationship Reward Bonus; VIP Bonus Rate 3.54%; VIP Bonus APY 3.60%

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 14, 2026
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
4635 44th St SE, Grand Rapids, MI 49512
Share Certificate - 36 Month
$500
3.55% ▲ 0.61% above Michigan avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.61% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 14, 2026
AAC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
904 Broadway Ave NW, Grand Rapids, MI 49504 4415
Certificates of Deposit - 36 Month
$0
3.50% ▲ 0.56% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.56% above avgNationally 2.81%
Details

Rates also apply to IRA and HSA Certificates of Deposit

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
36 Month Certificate of Deposit
$0
3.50% ▲ 0.56% above Michigan avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.56% above avgNationally 2.81%
Details

APY includes .25% bonus for Meijer Team members, Meijer retirees and current MCU members

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
IRA Certificate of Deposit - 36 Months
$0
3.50% ▲ 0.56% above Michigan avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.56% above avgNationally 2.81%
Details

Dividend Rate 3.45%; APY includes .25% bonus for Meijer Team members, Meijer retirees and current MCU members (effective 10/1/26)

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
36 Month IRA/HSA CD
$500
3.50% ▲ 0.56% above Michigan avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.56% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
36 Month CD
$500
3.35% ▲ 0.41% above Michigan avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.41% above avgNationally 2.81%
Details

Dividend Rate (Interest) 3.30%; APY 3.35%

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 14, 2026
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1619 Plainfield AVE NE, Grand Rapids, MI 49505 4703
Term Share Certificate - 36 Months
$500
3.25% ▲ 0.31% above Michigan avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.31% above avgNationally 2.81%
Details

Rates effective 10/1/2026; Rates are based on the term selected and on where purchased; Penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.04% → 3.25% ▲ 0.21 pts · high 3.25% / low 3.04%
2.54%3.15%3.75%Sep 14, 2026: 3.04% APYSep 18, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.25%▲ from 3.04%
  • Sep 14, 20263.04%first recorded
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
3 Year Certificate of Deposit
$0
3.20% ▲ 0.26% above Michigan avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.94%▲ 0.26% above avgNationally 2.81%
Details

Balance: $100,000+

Rate History
No change since Sep 19, 2026 · 3.20% APY · checked 7 times
2.70%3.20%3.70%Sep 19, 2026: 3.20% APYSep 19, 2026Oct 14, 2026
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
36 Month IRA CD
$0
3.14% ▲ 0.20% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.20% above avgNationally 2.81%
Details

$10,000 or more

Rate History
No change since Oct 13, 2026 · 3.14% APY
2.64%3.14%3.64%Oct 13, 2026: 3.14% APYOct 13, 2026Oct 14, 2026
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1619 Plainfield AVE NE, Grand Rapids, MI 49505 4703
36 Month Youth Share Certificate
$100
3.04% ▲ 0.10% above Michigan avg
View
▼
Rate3.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.10% above avgNationally 2.81%
Details

Youth club members 17 years old and younger; Penalty for early withdrawal; Rates effective 10/1/2026

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 6 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 14, 2026
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
36 Month Regular CD
$0
3.04% ▲ 0.10% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.10% above avgNationally 2.81%
Details

$10,000 or more

Rate History
No change since Oct 13, 2026 · 3.04% APY
2.54%3.04%3.54%Oct 13, 2026: 3.04% APYOct 13, 2026Oct 14, 2026
Priority Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 24.06%
6000 28th St SE Ste 100, Grand Rapids, MI 49546 6927
36 Month CD
$500
3.04% ▲ 0.10% above Michigan avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.10% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.04% → 3.04% ▼ 0.00 pts · high 3.04% / low 3.04%
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 22, 2026: 3.04% APYSep 14, 2026Oct 14, 2026
  • Sep 22, 20263.04%▼ from 3.04%
  • Sep 14, 20263.04%first recorded
Priority Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 24.06%
6000 28th St SE Ste 100, Grand Rapids, MI 49546 6927
IRA 36 Month CD
$500
3.04% ▲ 0.10% above Michigan avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.10% above avgNationally 2.81%
Details

Individual Retirement Account (IRA) CD Rates and Minimum Deposits

Rate History
No change since Oct 13, 2026 · 3.04% APY
2.54%3.04%3.54%Oct 13, 2026: 3.04% APYOct 13, 2026Oct 14, 2026
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
36 Month IRA CD
$0
3.03% ▲ 0.09% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.09% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 3.03% APY
2.53%3.03%3.53%Oct 13, 2026: 3.03% APYOct 13, 2026Oct 14, 2026
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
6000 28th St NE, Grand Rapids, MI 49546
Share Certificate 3 Years
$500
3.00% ▲ 0.06% above Michigan avg
View
▼
Rate2.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.06% above avgNationally 2.81%
Details

Dividend rate for $500 and up

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
3 Year Certificate of Deposit
$0
2.99% ▲ 0.05% above Michigan avg
View
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.94%▲ 0.05% above avgNationally 2.81%
Details

Balance: $50,000 - $99,999

Rate History
No change since Sep 27, 2026 · 2.99% APY · checked 5 times
2.49%2.99%3.49%Sep 27, 2026: 2.99% APYSep 27, 2026Oct 14, 2026
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
36 Month Regular CD
$0
2.94% At Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%At the averageNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 2.94% APY
2.44%2.94%3.44%Oct 13, 2026: 2.94% APYOct 13, 2026Oct 14, 2026
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
3 Year Certificate
$50,000
2.85% ▼ 0.09% below Michigan avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.94%▼ 0.09% below avgNationally 2.81%
Details

APY = Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates.

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 6 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 14, 2026
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
3 Year IRA Certificate
$50,000
2.85% ▼ 0.09% below Michigan avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.94%▼ 0.09% below avgNationally 2.81%
Details

APY=Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates.

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 5 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 14, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
3 Year Certificate of Deposit
$0
2.78% ▼ 0.16% below Michigan avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.94%▼ 0.16% below avgNationally 2.81%
Details

Balance: $0 - $49,999

Rate History
No change since Sep 27, 2026 · 2.78% APY · checked 5 times
2.28%2.78%3.28%Sep 27, 2026: 2.78% APYSep 27, 2026Oct 14, 2026
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
3 Year Certificate
$500
2.75% ▼ 0.19% below Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.94%▼ 0.19% below avgNationally 2.81%
Details

APY = Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates.

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 14, 2026
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
3 Year IRA Certificate
$500
2.75% ▼ 0.19% below Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.94%▼ 0.19% below avgNationally 2.81%
Details

APY=Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates.

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 14, 2026
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
6000 28th St SE Ste 100, Grand Rapids, MI 49546
3 Year Certificate
$1,000
2.52% ▼ 0.42% below Michigan avg
View
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▼ 0.42% below avgNationally 2.81%
Details

Early withdrawal subject to dividend penalty

Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 2 times
2.02%2.52%3.02%Sep 14, 2026: 2.52% APYSep 14, 2026Oct 14, 2026
Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
6000 28th St SE, Grand Rapids, MI 49546
3 Years Certificate of Deposit
$0
2.50% ▼ 0.44% below Michigan avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.94%▼ 0.44% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 14, 2026
1166 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
2900 Charlevoix Dr, Grand Rapids, MI 49546
Certificates of Deposit - 36 Months
$0
2.25% ▼ 0.69% below Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.94%▼ 0.69% below avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Oct 8, 2026: 2.25% APYOct 8, 2026Oct 14, 2026
1166 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
2900 Charlevoix Dr, Grand Rapids, MI 49546
Time Deposit Account - 36 Months
$250
2.25% ▼ 0.69% below Michigan avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.94%▼ 0.69% below avgNationally 2.81%
Details

Rate History
No change since Sep 25, 2026 · 2.25% APY · checked 4 times
1.75%2.25%2.75%Sep 25, 2026: 2.25% APYSep 25, 2026Oct 14, 2026
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1319 Front Ave NW, Grand Rapids, MI 49504
36 Month CD
$500
2.02% ▼ 0.92% below Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▼ 0.92% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 6 times
1.52%2.02%2.52%Sep 14, 2026: 2.02% APYSep 14, 2026Oct 14, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
36 Month Bump Up Certificate
$0
2.00% ▼ 0.94% below Michigan avg
View
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.94%▼ 0.94% below avgNationally 2.81%
Details

Balance: $500 - $1,000,000; Effective Date: October 01, 2026; APY with Bonus Rate: 2.10% (bonus of 0.10% APY when the Tax Reported Owner has an Ultra Checking account with an average monthly balance of at least $1.00); A penalty may be charged for early withdrawal

Rate History
No change since Sep 12, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Sep 12, 2026: 2.00% APYSep 12, 2026Oct 14, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
36 Month Certificate
$0
2.00% ▼ 0.94% below Michigan avg
View
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.94%▼ 0.94% below avgNationally 2.81%
Details

Effective Date: October 01, 2026

Rate History
No change since Sep 12, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Sep 12, 2026: 2.00% APYSep 12, 2026Oct 14, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
Share and IRA Certificates - 36 Months
$0
2.00% ▼ 0.94% below Michigan avg
View
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.94%▼ 0.94% below avgNationally 2.81%
Details

APY with Bonus Rate: 2.10%

Rate History
No change since Oct 12, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 12, 2026: 2.00% APYOct 12, 2026Oct 14, 2026
Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
670 Cascade West Pkwy Se, Grand Rapids, MI 49546
36 Month Certificate of Deposit
$500
1.00% ▼ 1.94% below Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Michigan Average2.94%▼ 1.94% below avgNationally 2.81%
Details

Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 19, 2026: 1.00% APYSep 19, 2026Oct 14, 2026
Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
670 Cascade West Pkwy Se, Grand Rapids, MI 49546
Business Certificate of Deposit (CD) - 36 Month
$500
1.00% ▼ 1.94% below Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Michigan Average2.94%▼ 1.94% below avgNationally 2.81%
Details

Rate History
No change since Sep 11, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 11, 2026: 1.00% APYSep 11, 2026Oct 14, 2026
Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
6770 Kalamazoo Ave SE, Grand Rapids, MI 49508 7032
36 Month CD
$1,000
0.74% ▼ 2.20% below Michigan avg
View
▼
Rate0.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▼ 2.20% below avgNationally 2.81%
Details

Balance: $25,000+; $1,000 minimum deposit required; Early withdrawal penalty applies

Rate History
No change since Sep 14, 2026 · 0.74% APY · checked 5 times
0.24%0.74%1.24%Sep 14, 2026: 0.74% APYSep 14, 2026Oct 14, 2026
Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
6770 Kalamazoo Ave SE, Grand Rapids, MI 49508 7032
36 Month CD
$1,000
0.69% ▼ 2.25% below Michigan avg
View
▼
Rate0.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▼ 2.25% below avgNationally 2.81%
Details

Balance: $1,000-$24,999; $1,000 minimum deposit required; Early withdrawal penalty applies

Rate History
No change since Sep 14, 2026 · 0.69% APY · checked 5 times
0.19%0.69%1.19%Sep 14, 2026: 0.69% APYSep 14, 2026Oct 14, 2026
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
6000 28th St SE, GRAND RAPIDS, MI 49546
36 Month Certificate
$1,000
0.25% ▼ 2.69% below Michigan avg
View
▼
Rate0.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.94%▼ 2.69% below avgNationally 2.81%
Details

Minimum of $1000.00

Rate History
No change since Oct 8, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Oct 8, 2026: 0.25% APYOct 8, 2026Oct 14, 2026
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
6000 28th St SE, GRAND RAPIDS, MI 49546
36 Month IRA Certificate
$1,000
0.25% ▼ 2.69% below Michigan avg
View
▼
Rate0.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.94%▼ 2.69% below avgNationally 2.81%
Details

Minimum of $1000.00

Rate History
No change since Oct 8, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Oct 8, 2026: 0.25% APYOct 8, 2026Oct 14, 2026

Grand Rapids 48 Month CD Rates

Michigan 48 Month CD Average3.00% APYNational 2.80%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
48 Month Certificate of Deposit
$0
4.45% ▲ 1.45% above Michigan avg
View
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.00%▲ 1.45% above avgNationally 2.80%
Details

Rate History
2 changes since Sep 18, 2026 · 4.20% → 4.45% ▲ 0.25 pts · high 4.45% / low 4.20%
3.70%4.33%4.95%Sep 18, 2026: 4.20% APYSep 24, 2026: 4.30% APYOct 2, 2026: 4.45% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.45%▲ from 4.30%
  • Sep 24, 20264.30%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
Time Certificate of Deposit - 48 Month
$0
4.45% ▲ 1.45% above Michigan avg
View
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.00%▲ 1.45% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 7, 2026: 4.45% APYOct 7, 2026Oct 14, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
86 Monroe Center St NW, Grand Rapids, MI 49503
4-Year Certificate or IRA-HSA Jumbo
$0
4.35% ▲ 1.35% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 1.35% above avgNationally 2.80%
Details

Jumbo; Valid Thru 10/18/2026

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 18, 2026: 4.00% APYSep 25, 2026: 4.35% APYSep 18, 2026Oct 14, 2026
  • Sep 25, 20264.35%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
86 Monroe Center St NW, Grand Rapids, MI 49503
4-Year Certificate or IRA-HSA
$0
4.20% ▲ 1.20% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 1.20% above avgNationally 2.80%
Details

Valid Thru 10/18/2026

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 18, 2026: 3.85% APYSep 25, 2026: 4.20% APYSep 18, 2026Oct 14, 2026
  • Sep 25, 20264.20%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
630 32nd St SE, Grand Rapids, MI 49548 2306
48 month CD
$500
4.10% ▲ 1.10% above Michigan avg
View
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.00%▲ 1.10% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.40% → 4.10% ▲ 0.70 pts · high 4.10% / low 3.40%
2.70%3.75%4.80%Sep 14, 2026: 3.40% APYOct 9, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.10%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
48 Month IRA/HSA CD - VIP Bonus
$500
3.90% ▲ 0.90% above Michigan avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.90% above avgNationally 2.80%
Details

VIP Bonus Rate; includes 0.25% VIP Relationship Reward Bonus

Rate History
No change since Oct 13, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 13, 2026: 3.90% APYOct 13, 2026Oct 14, 2026
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
4635 44th St SE, Grand Rapids, MI 49512
Share Certificate - 48 Month
$500
3.80% ▲ 0.80% above Michigan avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.80% above avgNationally 2.80%
Details

Rate History
No change since Oct 13, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 13, 2026: 3.80% APYOct 13, 2026Oct 14, 2026
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
150 Ann St NW, Grand Rapids, MI 49505 6244
48 Month Certificates of Deposit
$500
3.75% ▲ 0.75% above Michigan avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.75% above avgNationally 2.80%
Details

0.10% APY bonus earned if you also have a M1 Premier Checking Account; for members under 18 the required minimum balance on all CDs is $100.00; a penalty may be assessed for early withdrawals

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 14, 2026
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
150 Ann St NW, Grand Rapids, MI 49505 6244
Certificate of Deposit - 48 Months
$500
3.75% ▲ 0.75% above Michigan avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.75% above avgNationally 2.80%
Details

Members under 18: minimum balance $100.00; 0.10% APY bonus if also holding M1 Premier Checking; early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 14, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
48 Month CD - VIP Bonus
$500
3.75% ▲ 0.75% above Michigan avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.75% above avgNationally 2.80%
Details

VIP Relationship Reward Bonus; VIP Bonus Rate 3.69%; VIP Bonus APY 3.75%

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 14, 2026
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
4635 44th St SE, Grand Rapids, MI 49512
IRA Certificate - 48 Month - Traditional or Roth
$1,000
3.75% ▲ 0.75% above Michigan avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.75% above avgNationally 2.80%
Details

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 14, 2026
Northpointe Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
3333 Deposit Dr Ne, Grand Rapids, MI 49546
48 Month Certificate of Deposit
$1,000
3.65% ▲ 0.65% above Michigan avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.00%▲ 0.65% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 14, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
48 Month IRA/HSA CD
$500
3.65% ▲ 0.65% above Michigan avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.65% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 14, 2026
AAC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
904 Broadway Ave NW, Grand Rapids, MI 49504 4415
Certificates of Deposit - 48 Month
$0
3.50% ▲ 0.50% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.50% above avgNationally 2.80%
Details

Rates also apply to IRA and HSA Certificates of Deposit

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
48 Month Certificate of Deposit
$0
3.50% ▲ 0.50% above Michigan avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.50% above avgNationally 2.80%
Details

APY includes .25% bonus for Meijer Team members, Meijer retirees and current MCU members

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
IRA Certificate of Deposit - 48 Months
$0
3.50% ▲ 0.50% above Michigan avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.50% above avgNationally 2.80%
Details

Dividend Rate 3.45%; APY includes .25% bonus for Meijer Team members, Meijer retirees and current MCU members (effective 10/1/26)

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
48 Month CD
$500
3.50% ▲ 0.50% above Michigan avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.50% above avgNationally 2.80%
Details

Dividend Rate (Interest) 3.45%; APY 3.50%

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
48 Month IRA CD
$0
3.39% ▲ 0.39% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.39% above avgNationally 2.80%
Details

$10,000 or more

Rate History
No change since Oct 13, 2026 · 3.39% APY
2.89%3.39%3.89%Oct 13, 2026: 3.39% APYOct 13, 2026Oct 14, 2026
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
48 Month Regular CD
$0
3.30% ▲ 0.30% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.30% above avgNationally 2.80%
Details

$10,000 or more

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
48 Month IRA CD
$0
3.29% ▲ 0.29% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.29% above avgNationally 2.80%
Details

Rate History
No change since Oct 13, 2026 · 3.29% APY
2.79%3.29%3.79%Oct 13, 2026: 3.29% APYOct 13, 2026Oct 14, 2026
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
48 Month Regular CD
$0
3.20% ▲ 0.20% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.20% above avgNationally 2.80%
Details

Rate History
No change since Oct 13, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 13, 2026: 3.20% APYOct 13, 2026Oct 14, 2026
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
4 Year Certificate
$50,000
3.10% ▲ 0.10% above Michigan avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.00%▲ 0.10% above avgNationally 2.80%
Details

APY = Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates.

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 6 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 14, 2026
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
4 Year IRA Certificate
$50,000
3.10% ▲ 0.10% above Michigan avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.00%▲ 0.10% above avgNationally 2.80%
Details

APY=Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates.

Rate History
2 changes since Sep 14, 2026 · 3.10% → 3.10% ▼ 0.00 pts · high 3.10% / low 2.85%
2.35%2.98%3.60%Sep 14, 2026: 3.10% APYOct 1, 2026: 2.85% APYOct 10, 2026: 3.10% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.10%▲ from 2.85%
  • Oct 1, 20262.85%▼ from 3.10%
  • Sep 14, 20263.10%first recorded
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1619 Plainfield AVE NE, Grand Rapids, MI 49505 4703
Term Share Certificate - 48 Months
$500
3.09% ▲ 0.09% above Michigan avg
View
▼
Rate3.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.09% above avgNationally 2.80%
Details

Rates effective 10/1/2026; Rates are based on the term selected and on where purchased; Penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.09% APY · checked 6 times
2.59%3.09%3.59%Sep 14, 2026: 3.09% APYSep 14, 2026Oct 14, 2026
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
4 Year Certificate
$500
3.00% At Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.00%At the averageNationally 2.80%
Details

APY = Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates.

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
4 Year IRA Certificate
$500
3.00% At Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.00%At the averageNationally 2.80%
Details

APY=Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates.

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
4 Year Certificate of Deposit
$0
2.70% ▼ 0.30% below Michigan avg
View
▼
Rate2.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.00%▼ 0.30% below avgNationally 2.80%
Details

Balance: $50,000 - $99,999

Rate History
No change since Sep 27, 2026 · 2.70% APY · checked 5 times
2.20%2.70%3.20%Sep 27, 2026: 2.70% APYSep 27, 2026Oct 14, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
4 Year Certificate of Deposit
$0
2.53% ▼ 0.47% below Michigan avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.00%▼ 0.47% below avgNationally 2.80%
Details

Balance: $0 - $49,999

Rate History
No change since Sep 27, 2026 · 2.53% APY · checked 5 times
2.03%2.53%3.03%Sep 27, 2026: 2.53% APYSep 27, 2026Oct 14, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
48 Month Certificate
$0
2.05% ▼ 0.95% below Michigan avg
View
▼
Rate2.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.00%▼ 0.95% below avgNationally 2.80%
Details

Effective Date: October 01, 2026

Rate History
No change since Sep 12, 2026 · 2.05% APY · checked 2 times
1.55%2.05%2.55%Sep 12, 2026: 2.05% APYSep 12, 2026Oct 14, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
Share and IRA Certificates - 48 Months
$0
2.05% ▼ 0.95% below Michigan avg
View
▼
Rate2.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.00%▼ 0.95% below avgNationally 2.80%
Details

APY with Bonus Rate: 2.15%

Rate History
No change since Oct 12, 2026 · 2.05% APY
1.55%2.05%2.55%Oct 12, 2026: 2.05% APYOct 12, 2026Oct 14, 2026
Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
6000 28th St SE, Grand Rapids, MI 49546
4 Years Certificate of Deposit
$0
2.00% ▼ 1.00% below Michigan avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.00%▼ 1.00% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1319 Front Ave NW, Grand Rapids, MI 49504
48 Month CD
$500
1.16% ▼ 1.84% below Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▼ 1.84% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 1.16% APY · checked 6 times
0.66%1.16%1.66%Sep 14, 2026: 1.16% APYSep 14, 2026Oct 14, 2026
Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
670 Cascade West Pkwy Se, Grand Rapids, MI 49546
48 Month Certificate of Deposit
$500
1.00% ▼ 2.00% below Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Michigan Average3.00%▼ 2.00% below avgNationally 2.80%
Details

Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 19, 2026: 1.00% APYSep 19, 2026Oct 14, 2026
Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
670 Cascade West Pkwy Se, Grand Rapids, MI 49546
Business Certificate of Deposit (CD) - 48 Month
$500
1.00% ▼ 2.00% below Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Michigan Average3.00%▼ 2.00% below avgNationally 2.80%
Details

Rate History
No change since Sep 11, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 11, 2026: 1.00% APYSep 11, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
171 Monroe Ave Nw, Grand Rapids, MI 49503
48 Month Certificate of Deposit
$0
0.03% ▼ 2.97% below Michigan avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.00%▼ 2.97% below avgNationally 2.80%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
171 Monroe Ave Nw, Grand Rapids, MI 49503
48 Month Certificate of Deposit
$0
0.02% ▼ 2.98% below Michigan avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.00%▼ 2.98% below avgNationally 2.80%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
171 Monroe Ave Nw, Grand Rapids, MI 49503
48 Month Certificate of Deposit
$0
0.01% ▼ 2.99% below Michigan avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.00%▼ 2.99% below avgNationally 2.80%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 48 Month
$0
4.70% ▲ 1.70% above Michigan avg
View
▼
Rate4.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.00%▲ 1.70% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.70% ▲ 0.45 pts · high 4.70% / low 4.25%
3.75%4.48%5.20%Sep 14, 2026: 4.25% APYSep 24, 2026: 4.70% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.70%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
48 Month Share Certificates
$0
4.50% ▲ 1.50% above Michigan avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.00%▲ 1.50% above avgNationally 2.80%
Details

Rates effective October 1, 2026

Rate History
No change since Sep 12, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 12, 2026: 4.50% APYSep 12, 2026Oct 14, 2026
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
48 Month CD
$0
4.42% ▲ 1.42% above Michigan avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.00%▲ 1.42% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 4.01% → 4.42% ▲ 0.41 pts · high 4.42% / low 4.01%
3.51%4.22%4.92%Sep 14, 2026: 4.01% APYOct 9, 2026: 4.42% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.42%▲ from 4.01%
  • Sep 14, 20264.01%first recorded
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Simple CDs - 48 Months
$0
4.40% ▲ 1.40% above Michigan avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.00%▲ 1.40% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.40% ▲ 0.50 pts · high 4.40% / low 3.90%
3.40%4.15%4.90%Sep 14, 2026: 3.90% APYOct 6, 2026: 4.40% APYSep 14, 2026Oct 14, 2026
  • Oct 6, 20264.40%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
48 Month Jumbo Share Certificates
$100,000
4.37% ▲ 1.37% above Michigan avg
View
▼
Rate4.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.00%▲ 1.37% above avgNationally 2.80%
Details

Minimum deposit of $100,000.00; Certificate specials will not renew at end of term; penalty may be imposed for early withdrawal

Rate History
1 change since Sep 12, 2026 · 4.06% → 4.37% ▲ 0.31 pts · high 4.37% / low 4.06%
3.56%4.22%4.87%Sep 12, 2026: 4.06% APYOct 4, 2026: 4.37% APYSep 12, 2026Oct 14, 2026
  • Oct 4, 20264.37%▲ from 4.06%
  • Sep 12, 20264.06%first recorded
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
48 Month Timed Certificate
$1,000
4.28% ▲ 1.28% above Michigan avg
View
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 1.28% above avgNationally 2.80%
Details

Rate History
No change since Oct 13, 2026 · 4.28% APY
3.78%4.28%4.78%Oct 13, 2026: 4.28% APYOct 13, 2026Oct 14, 2026
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
48 Month Certificate
$0
4.27% ▲ 1.27% above Michigan avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.00%▲ 1.27% above avgNationally 2.80%
Details

Rate History
2 changes since Sep 18, 2026 · 4.01% → 4.27% ▲ 0.26 pts · high 4.42% / low 4.01%
3.51%4.22%4.92%Sep 18, 2026: 4.01% APYSep 29, 2026: 4.42% APYOct 9, 2026: 4.27% APYSep 18, 2026Oct 14, 2026
  • Oct 9, 20264.27%▼ from 4.42%
  • Sep 29, 20264.42%▲ from 4.01%
  • Sep 18, 20264.01%first recorded
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
48 Month IRA
$0
4.27% ▲ 1.27% above Michigan avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.00%▲ 1.27% above avgNationally 2.80%
Details

Rate History
No change since Oct 9, 2026 · 4.27% APY · checked 3 times
3.77%4.27%4.77%Oct 9, 2026: 4.27% APYOct 9, 2026Oct 14, 2026
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
48 MONTH CD
$50,000
4.25% ▲ 1.25% above Michigan avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 1.25% above avgNationally 2.80%
Details

Certificate Rates effective Monday, October 12, 2026; CD rates reflect the same rates for IRA CDs

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
3.45%4.10%4.75%Sep 14, 2026: 3.95% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.25%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
CD - 48 Month
$0
4.20% ▲ 1.20% above Michigan avg
View
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.00%▲ 1.20% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 14, 2026: 3.75% APYSep 24, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.20%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
48 Month Certificate
$500
4.15% ▲ 1.15% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.00%▲ 1.15% above avgNationally 2.80%
Details

Rate History
No change since Sep 16, 2026 · 4.15% APY · checked 5 times
3.65%4.15%4.65%Sep 16, 2026: 4.15% APYSep 16, 2026Oct 14, 2026
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
48 Month IRA Certificate
$0
4.15% ▲ 1.15% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.00%▲ 1.15% above avgNationally 2.80%
Details

Individual accounts only

Rate History
No change since Sep 16, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 16, 2026: 4.15% APYSep 16, 2026Oct 14, 2026
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
48 MONTH CD
$500
4.15% ▲ 1.15% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 1.15% above avgNationally 2.80%
Details

Certificate Rates effective Monday, October 12, 2026; CD rates reflect the same rates for IRA CDs

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95%
3.45%4.05%4.65%Sep 14, 2026: 3.95% APYOct 9, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.15%▲ from 3.95%
  • Sep 14, 20263.95%first recorded

Grand Rapids 60 Month CD Rates

Michigan 60 Month CD Average3.07% APYNational 2.91%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
60 Month Certificate of Deposit
$0
4.50% ▲ 1.43% above Michigan avg
View
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.07%▲ 1.43% above avgNationally 2.91%
Details

Rate History
2 changes since Sep 18, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
3.70%4.35%5.00%Sep 18, 2026: 4.20% APYSep 24, 2026: 4.30% APYOct 2, 2026: 4.50% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.50%▲ from 4.30%
  • Sep 24, 20264.30%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
Time Certificate of Deposit - 60 Month
$0
4.50% ▲ 1.43% above Michigan avg
View
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.07%▲ 1.43% above avgNationally 2.91%
Details

Rate History
No change since Oct 7, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 7, 2026: 4.50% APYOct 7, 2026Oct 14, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
86 Monroe Center St NW, Grand Rapids, MI 49503
5-Year Certificate or IRA-HSA Jumbo
$0
4.40% ▲ 1.33% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 1.33% above avgNationally 2.91%
Details

Jumbo; Valid Thru 10/18/2026

Rate History
1 change since Sep 18, 2026 · 4.05% → 4.40% ▲ 0.35 pts · high 4.40% / low 4.05%
3.55%4.23%4.90%Sep 18, 2026: 4.05% APYSep 25, 2026: 4.40% APYSep 18, 2026Oct 14, 2026
  • Sep 25, 20264.40%▲ from 4.05%
  • Sep 18, 20264.05%first recorded
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
630 32nd St SE, Grand Rapids, MI 49548 2306
60 month CD
$500
4.35% ▲ 1.28% above Michigan avg
View
▼
Rate4.28%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.07%▲ 1.28% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.40% → 4.35% ▲ 0.95 pts · high 4.35% / low 3.40%
2.45%3.87%5.30%Sep 14, 2026: 3.40% APYOct 9, 2026: 4.35% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.35%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
630 32nd St SE, Grand Rapids, MI 49548 2306
60-Month CD
$500
4.35% ▲ 1.28% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.07%▲ 1.28% above avgNationally 2.91%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.40% → 4.35% ▲ 0.95 pts · high 4.35% / low 3.40%
2.45%3.87%5.30%Sep 14, 2026: 3.40% APYOct 9, 2026: 4.35% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.35%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
86 Monroe Center St NW, Grand Rapids, MI 49503
5-Year Certificate or IRA-HSA
$0
4.25% ▲ 1.18% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 1.18% above avgNationally 2.91%
Details

Valid Thru 10/18/2026

Rate History
1 change since Sep 18, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 18, 2026: 3.90% APYSep 25, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Sep 25, 20264.25%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
60 Month IRA/HSA CD - VIP Bonus
$500
4.15% ▲ 1.08% above Michigan avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 1.08% above avgNationally 2.91%
Details

VIP Bonus Rate; includes 0.25% VIP Relationship Reward Bonus

Rate History
No change since Oct 13, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 13, 2026: 4.15% APYOct 13, 2026Oct 14, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
60 Month CD - VIP Bonus
$500
4.00% ▲ 0.93% above Michigan avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.93% above avgNationally 2.91%
Details

VIP Relationship Reward Bonus; VIP Bonus Rate 3.93%; VIP Bonus APY 4.00%

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
60 Mo. IRA CD VIP
$0
3.90% ▲ 0.83% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.83% above avgNationally 2.91%
Details

IRA certificate

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
60 Month IRA/HSA CD
$500
3.90% ▲ 0.83% above Michigan avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.83% above avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 14, 2026
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
150 Ann St NW, Grand Rapids, MI 49505 6244
60 Month Certificates of Deposit
$500
3.75% ▲ 0.68% above Michigan avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.68% above avgNationally 2.91%
Details

0.10% APY bonus earned if you also have a M1 Premier Checking Account; for members under 18 the required minimum balance on all CDs is $100.00; a penalty may be assessed for early withdrawals

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 14, 2026
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
150 Ann St NW, Grand Rapids, MI 49505 6244
Certificate of Deposit - 60 Months
$500
3.75% ▲ 0.68% above Michigan avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.68% above avgNationally 2.91%
Details

Members under 18: minimum balance $100.00; 0.10% APY bonus if also holding M1 Premier Checking; early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 14, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
60 Month CD
$500
3.75% ▲ 0.68% above Michigan avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.68% above avgNationally 2.91%
Details

Dividend Rate (Interest) 3.69%; APY 3.75%

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 14, 2026
Northpointe Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
3333 Deposit Dr Ne, Grand Rapids, MI 49546
60 Month Certificate of Deposit
$1,000
3.70% ▲ 0.63% above Michigan avg
View
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.07%▲ 0.63% above avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 14, 2026
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
630 32nd St SE, Grand Rapids, MI 49548 2306
6 - 60 Month Certificate of Deposit
$500
3.60% ▲ 0.53% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.07%▲ 0.53% above avgNationally 2.91%
Details

Published APY range: 3.600% - 4.350%. Early Withdrawal Penalty: 90 to 180 days interest*

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.60% ▲ 0.30 pts · high 3.60% / low 3.30%
2.80%3.45%4.10%Sep 14, 2026: 3.30% APYOct 9, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.60%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
630 32nd St SE, Grand Rapids, MI 49548 2306
6 - 60 Month IRA CD
$500
3.60% ▲ 0.53% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.07%▲ 0.53% above avgNationally 2.91%
Details

Published APY range: 3.600% - 4.350%. Early Withdrawal Penalty: 90 to 180 days interest*

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.60% ▲ 0.30 pts · high 3.60% / low 3.30%
2.80%3.45%4.10%Sep 14, 2026: 3.30% APYOct 9, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.60%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
AAC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
904 Broadway Ave NW, Grand Rapids, MI 49504 4415
Certificates of Deposit - 60 Month
$0
3.50% ▲ 0.43% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.43% above avgNationally 2.91%
Details

Rates also apply to IRA and HSA Certificates of Deposit

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
60 Month IRA CD
$0
3.50% ▲ 0.43% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.43% above avgNationally 2.91%
Details

$10,000 or more

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 14, 2026
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
60 Month Certificate of Deposit
$0
3.50% ▲ 0.43% above Michigan avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.43% above avgNationally 2.91%
Details

APY includes .25% bonus for Meijer Team members, Meijer retirees and current MCU members

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
IRA Certificate of Deposit - 60 Months
$0
3.50% ▲ 0.43% above Michigan avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.43% above avgNationally 2.91%
Details

Dividend Rate 3.45%; APY includes .25% bonus for Meijer Team members, Meijer retirees and current MCU members (effective 10/1/26)

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
60 Month Regular CD
$0
3.40% ▲ 0.33% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.33% above avgNationally 2.91%
Details

$10,000 or more

Rate History
No change since Oct 13, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 14, 2026
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
60 Month IRA CD
$0
3.39% ▲ 0.32% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.32% above avgNationally 2.91%
Details

Rate History
No change since Oct 13, 2026 · 3.39% APY
2.89%3.39%3.89%Oct 13, 2026: 3.39% APYOct 13, 2026Oct 14, 2026
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
60 Month Regular CD
$0
3.30% ▲ 0.23% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.23% above avgNationally 2.91%
Details

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
5 Year Certificate
$50,000
3.25% ▲ 0.18% above Michigan avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.07%▲ 0.18% above avgNationally 2.91%
Details

APY = Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates.

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
5 Year IRA Certificate
$50,000
3.25% ▲ 0.18% above Michigan avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.07%▲ 0.18% above avgNationally 2.91%
Details

APY=Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates.

Rate History
2 changes since Sep 14, 2026 · 3.25% → 3.25% ▼ 0.00 pts · high 3.25% / low 3.00%
2.50%3.13%3.75%Sep 14, 2026: 3.25% APYOct 1, 2026: 3.00% APYOct 10, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.25%▲ from 3.00%
  • Oct 1, 20263.00%▼ from 3.25%
  • Sep 14, 20263.25%first recorded
Priority Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 24.06%
6000 28th St SE Ste 100, Grand Rapids, MI 49546 6927
60 Month CD
$500
3.20% ▲ 0.13% above Michigan avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.13% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.20% ▼ 0.00 pts · high 3.20% / low 3.20%
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 22, 2026: 3.20% APYSep 14, 2026Oct 14, 2026
  • Sep 22, 20263.20%▼ from 3.20%
  • Sep 14, 20263.20%first recorded
Priority Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 24.06%
6000 28th St SE Ste 100, Grand Rapids, MI 49546 6927
IRA 60 Month CD
$500
3.20% ▲ 0.13% above Michigan avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.13% above avgNationally 2.91%
Details

Individual Retirement Account (IRA) CD Rates and Minimum Deposits

Rate History
No change since Oct 13, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 13, 2026: 3.20% APYOct 13, 2026Oct 14, 2026
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
5 Year Certificate
$500
3.00% ▼ 0.07% below Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.07%▼ 0.07% below avgNationally 2.91%
Details

APY = Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates.

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
5 Year IRA Certificate
$500
3.00% ▼ 0.07% below Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.07%▼ 0.07% below avgNationally 2.91%
Details

APY=Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates.

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
5 Year Certificate of Deposit
$0
2.94% ▼ 0.13% below Michigan avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.07%▼ 0.13% below avgNationally 2.91%
Details

Balance: $100,000+

Rate History
No change since Sep 19, 2026 · 2.94% APY · checked 7 times
2.44%2.94%3.44%Sep 19, 2026: 2.94% APYSep 19, 2026Oct 14, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
5 Year Certificate of Deposit
$0
2.73% ▼ 0.34% below Michigan avg
View
▼
Rate2.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.07%▼ 0.34% below avgNationally 2.91%
Details

Balance: $50,000 - $99,999

Rate History
No change since Sep 27, 2026 · 2.73% APY · checked 5 times
2.23%2.73%3.23%Sep 27, 2026: 2.73% APYSep 27, 2026Oct 14, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
5 Year Certificate of Deposit
$0
2.53% ▼ 0.54% below Michigan avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.07%▼ 0.54% below avgNationally 2.91%
Details

Balance: $0 - $49,999

Rate History
No change since Sep 27, 2026 · 2.53% APY · checked 5 times
2.03%2.53%3.03%Sep 27, 2026: 2.53% APYSep 27, 2026Oct 14, 2026
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1619 Plainfield AVE NE, Grand Rapids, MI 49505 4703
Term Share Certificate - 60 Months
$500
2.50% ▼ 0.57% below Michigan avg
View
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▼ 0.57% below avgNationally 2.91%
Details

Rates effective 10/1/2026; Rates are based on the term selected and on where purchased; Penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 14, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
60 Month Certificate
$0
2.10% ▼ 0.97% below Michigan avg
View
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.07%▼ 0.97% below avgNationally 2.91%
Details

Effective Date: October 01, 2026

Rate History
No change since Sep 12, 2026 · 2.10% APY · checked 2 times
1.60%2.10%2.60%Sep 12, 2026: 2.10% APYSep 12, 2026Oct 14, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
Share and IRA Certificates - 60 Months
$0
2.10% ▼ 0.97% below Michigan avg
View
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.07%▼ 0.97% below avgNationally 2.91%
Details

APY with Bonus Rate: 2.20%

Rate History
No change since Oct 12, 2026 · 2.10% APY
1.60%2.10%2.60%Oct 12, 2026: 2.10% APYOct 12, 2026Oct 14, 2026
Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
6000 28th St SE, Grand Rapids, MI 49546
5 Years Certificate of Deposit
$0
1.75% ▼ 1.32% below Michigan avg
View
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.07%▼ 1.32% below avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 5 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 14, 2026
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1319 Front Ave NW, Grand Rapids, MI 49504
60 Month CD
$500
1.31% ▼ 1.76% below Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▼ 1.76% below avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 1.31% APY · checked 6 times
0.81%1.31%1.81%Sep 14, 2026: 1.31% APYSep 14, 2026Oct 14, 2026
Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
670 Cascade West Pkwy Se, Grand Rapids, MI 49546
60 Month Certificate of Deposit
$500
1.25% ▼ 1.82% below Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Michigan Average3.07%▼ 1.82% below avgNationally 2.91%
Details

Rate History
No change since Sep 19, 2026 · 1.25% APY · checked 3 times
0.75%1.25%1.75%Sep 19, 2026: 1.25% APYSep 19, 2026Oct 14, 2026
Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
670 Cascade West Pkwy Se, Grand Rapids, MI 49546
Business Certificate of Deposit (CD) - 60 Month
$500
1.25% ▼ 1.82% below Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Michigan Average3.07%▼ 1.82% below avgNationally 2.91%
Details

Rate History
No change since Sep 11, 2026 · 1.25% APY · checked 3 times
0.75%1.25%1.75%Sep 11, 2026: 1.25% APYSep 11, 2026Oct 14, 2026
Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
6770 Kalamazoo Ave SE, Grand Rapids, MI 49508 7032
60 Month CD
$1,000
1.10% ▼ 1.97% below Michigan avg
View
▼
Rate1.09%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▼ 1.97% below avgNationally 2.91%
Details

Balance: $25,000+; $1,000 minimum deposit required; Early withdrawal penalty applies

Rate History
No change since Sep 14, 2026 · 1.10% APY · checked 5 times
0.60%1.10%1.60%Sep 14, 2026: 1.10% APYSep 14, 2026Oct 14, 2026
Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
6770 Kalamazoo Ave SE, Grand Rapids, MI 49508 7032
60 Month CD
$1,000
1.01% ▼ 2.06% below Michigan avg
View
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▼ 2.06% below avgNationally 2.91%
Details

Balance: $1,000-$24,999; $1,000 minimum deposit required; Early withdrawal penalty applies

Rate History
No change since Sep 14, 2026 · 1.01% APY · checked 5 times
0.51%1.01%1.51%Sep 14, 2026: 1.01% APYSep 14, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
171 Monroe Ave Nw, Grand Rapids, MI 49503
60 Month Certificate of Deposit
$0
0.03% ▼ 3.04% below Michigan avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.07%▼ 3.04% below avgNationally 2.91%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
171 Monroe Ave Nw, Grand Rapids, MI 49503
60 Month Certificate of Deposit
$0
0.02% ▼ 3.05% below Michigan avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.07%▼ 3.05% below avgNationally 2.91%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
171 Monroe Ave Nw, Grand Rapids, MI 49503
60 Month Certificate of Deposit
$0
0.01% ▼ 3.06% below Michigan avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.07%▼ 3.06% below avgNationally 2.91%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Michigan One Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
60 Month Minor CD Special
$100
5.12% ▲ 2.05% above Michigan avg
View
▼
Rate5.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 2.05% above avgNationally 2.91%
Details

Dividend Rate (as APR) 5.00%; Minimum $100 Min/$5000 Max; Opening balance range $100 to $5,000

Rate History
No change since Sep 18, 2026 · 5.12% APY · checked 2 times
4.62%5.12%5.62%Sep 18, 2026: 5.12% APYSep 18, 2026Oct 14, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 60 Month
$0
4.75% ▲ 1.68% above Michigan avg
View
▼
Rate4.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.07%▲ 1.68% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
3.85%4.55%5.25%Sep 14, 2026: 4.35% APYSep 24, 2026: 4.75% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.75%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
60 Month Share Certificates
$0
4.50% ▲ 1.43% above Michigan avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.07%▲ 1.43% above avgNationally 2.91%
Details

Rates effective October 1, 2026

Rate History
No change since Sep 12, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 12, 2026: 4.50% APYSep 12, 2026Oct 14, 2026
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
3 - 60 Month Simple CDs
$500
4.50% ▲ 1.43% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.07%▲ 1.43% above avgNationally 2.91%
Details

APY assumes interest payouts remain in your certificate account until maturity. Interest rate is guaranteed for the length of the term. An early withdrawal penalty may be applied when a withdrawal is made prior to maturity of the certificate and could result in loss of principal.

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 14, 2026: 4.00% APYSep 27, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
  • Sep 27, 20264.50%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
60 Month CD
$0
4.47% ▲ 1.40% above Michigan avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.07%▲ 1.40% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 4.11% → 4.47% ▲ 0.36 pts · high 4.47% / low 4.11%
3.61%4.29%4.97%Sep 14, 2026: 4.11% APYOct 9, 2026: 4.47% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.47%▲ from 4.11%
  • Sep 14, 20264.11%first recorded
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
60 Month Jumbo Share Certificates
$100,000
4.42% ▲ 1.35% above Michigan avg
View
▼
Rate4.35%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.07%▲ 1.35% above avgNationally 2.91%
Details

Minimum deposit of $100,000.00; Certificate specials will not renew at end of term; penalty may be imposed for early withdrawal

Rate History
1 change since Sep 12, 2026 · 4.11% → 4.42% ▲ 0.31 pts · high 4.42% / low 4.11%
3.61%4.27%4.92%Sep 12, 2026: 4.11% APYOct 4, 2026: 4.42% APYSep 12, 2026Oct 14, 2026
  • Oct 4, 20264.42%▲ from 4.11%
  • Sep 12, 20264.11%first recorded
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.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Grand Rapids, Michigan Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
First National Bank of Michigan
3-Year Rising Rate Certificate of Deposit - Year 3 term
A 5.0 ★ TX: 7.32%
Min: $0
5.00%
First National Bank of America (FNBA)
60 Month Certificate of Deposit
B- 4.3 ★ TX: 23.12%
Min: $0
4.50%
Flagstar Bank, National Association
12-MONTH CD
D 3.3 ★ TX: 35.11%
Min: $500
4.30%
First Merchants Bank
24-month CD/IRA Promotional Rate
A+ 5.0 ★ TX: 4.12%
Min: $0
4.25%
United Bank of Michigan
24 month CD Special
A+ 5.0 ★ TX: 0.48%
Min: $0
4.00%
CU Top 5 Credit Union Rates
Intandem Credit Union
12 Month Youth Share Certificate
A+ 5.0 ★ TX: 2.03%
Min: $100
4.50%
Michigan State University Federal Credit Union
5-Year Certificate or IRA-HSA Jumbo
A 5.0 ★ TX: 9.64%
Min: $0
4.40%
Dfcu Financial Credit Union
2 Year Business Share Certificates
A+ 5.0 ★ TX: 1.86%
Min: $0
4.40%
Adventure Credit Union
60 month CD
A+ 5.0 ★ TX: 4.17%
Min: $500
4.35%
Meijer Credit Union
24 Month Certificate of Deposit
A+ 5.0 ★ TX: 2.16%
Min: $0
4.25%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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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.

View Full Michigan CD Trends
12-Month CD MI Avg
3.119%
▲ 0.008 vs 7 days ago

Michigan 12-month CD rates rose 0.008 points over the past 7 days to 3.119% APY.

6-Month CD MI Avg
2.866%
▲ 0.014 vs 7 days ago

Michigan 6-month CD rates rose 0.014 points over the past 7 days to 2.866% APY.

As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions

MI CD Rate Forecast, Next 12 Months

Where are Michigan CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

MI 12-Month Avg APY
3.119%
6-Month Forecast
3.119%
Range: 2.92%, 3.27%
12-Month Forecast
3.369%
Range: 3.17%, 3.52%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Michigan average 12-month CD APY in our database.

Spread model: The Michigan 12-month CD average currently trades 1.26% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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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 2.126% $106.32 $212.63 $531.58 $1,063.15
6-Month CD 2.866% $143.28 $286.55 $716.38 $1,432.75
12-Month CD 3.119% $155.93 $311.85 $779.63 $1,559.25
18-Month CD 3.096% $154.80 $309.60 $774.00 $1,548.00
24-Month CD 2.975% $148.74 $297.49 $743.72 $1,487.45
36-Month CD 2.936% $146.82 $293.63 $734.08 $1,468.15
48-Month CD 3.002% $150.08 $300.16 $750.40 $1,500.80
60-Month CD 3.067% $153.33 $306.66 $766.65 $1,533.30
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
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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.

Build Your Ladder
Rung Term Deposit MI Avg APY Annual Earnings
1 3-Month CD $5,000 2.126% $106.32
2 6-Month CD $5,000 2.866% $143.28
3 12-Month CD $5,000 3.119% $155.93
4 24-Month CD $5,000 2.975% $148.74
5 36-Month CD $5,000 2.936% $146.82
Total ($25,000 invested) $25,000 2.804% blended $701.09/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.

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1,982
CD Rates
Tracked in Grand Rapids, Michigan
21 Banks 94 Credit Unions

About Our Grand Rapids, Michigan CD Rate Database

MonitorBankRates tracks 1,982 CD rates from 21 banks and 94 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 to 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: First National Bank of Michigan offers a CD at 5.00% 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 94 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: 115 institutions here report CD rates

Consider an Alternative If…

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
$122/yr
At MI 12-mo avg 3.119% 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 3.119%, saving 10% of the local median salary ($3,910/year) and putting it in a CD would earn an additional $122 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 to 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, First National Bank of Michigan is offering its Rising Rate Certificate of Deposit - Third 6-month Term at 4.75% 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 Certificate of Deposit at 4.50% 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:
  • First National Bank of Michigan: 5.00% APY (3-Year Rising Rate Certificate of Deposit - Year 3 term)
  • First National Bank of America (FNBA): 4.50% APY (60 Month Certificate of Deposit)
  • Intandem Credit Union: 4.50% APY (12 Month Youth Share Certificate)
  • Michigan State University Federal Credit Union: 4.40% APY (5-Year Certificate or IRA-HSA Jumbo)
  • Dfcu Financial Credit Union: 4.40% APY (2 Year Business Share Certificates)
  • Adventure Credit Union: 4.35% APY (60 month CD)
  • Flagstar Bank, National Association: 4.30% APY (12-MONTH CD)
  • First Merchants Bank: 4.25% APY (24-month CD/IRA Promotional Rate)
  • Meijer Credit Union: 4.25% APY (24 Month Certificate of Deposit)
  • LMCU Lake Michigan Credit Union: 4.15% APY (60 Month IRA/HSA CD - VIP Bonus)
Rates reflect recent verified offers available in Grand Rapids, Michigan. Last Updated: October 13, 2026

Grand Rapids, Michigan CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Grand Rapids, Michigan rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
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Ending Balance
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Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Grand Rapids, Michigan CD Rates by Term

Verified October 13, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Grand Rapids, Michigan. Averages shown use the Michigan state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Grand Rapids, Michigan

Grand Rapids, Michigan CD Calculator

At today’s MI top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.

Grand Rapids, Michigan CD Ladder

MI CD rates currently range from 2.126% (3-month) to 2.936% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Grand Rapids, Michigan CD at 5.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Michigan’s average 12-month CD is 3.119% 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: October 13, 2026

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