CD Rates Grand Rapids, Michigan (MI) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Grand Rapids, Michigan CD rates include Adventure Credit UnionAdventure Credit Union630 32nd St SE, Grand Rapids, MI 49548 2306A+5.0 ★Texas Ratio: 3.98%Real return: +2.10%APY minus CPI (February 2026) offering 6 month CD - 90th Anniversary Special at 4.90% APY, Meijer Credit UnionMeijer Credit Union2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830A+5.0 ★Texas Ratio: 5.75%Real return: +1.45%APY minus CPI (February 2026) offering 12-Month CD at 4.25% APY, Maui Teachers Federal Credit UnionMaui Teachers Federal Credit Union6000 28th St SE, Grand Rapids, MI 49546 6927A+5.0 ★Texas Ratio: 0.00%Real return: +1.26%APY minus CPI (February 2026) offering 6 Month Share Certificate SPECIAL! at 4.06% APY, Dfcu Financial Credit UnionDfcu Financial Credit Union641 44th St SE, Grand Rapids, MI 49548 7525A+5.0 ★Texas Ratio: 1.05%Real return: +1.20%APY minus CPI (February 2026) offering Business Share Certificates 6 month at 4.00% APY, and First National Bank of MichiganFirst National Bank of Michigan141 Ionia Ave Nw, Grand Rapids, MI 49503A+5.0 ★Texas Ratio: 0.44%Real return: +1.17%APY minus CPI (February 2026) offering 3-Year Rising Rate Certificate of Deposit Year 3 term at 3.97% APY. CD rates as of April 18, 2026 according to verified data from MonitorBankRates.
Grand Rapids has 68 local institutions in our database, with CD rates as high as 4.90% APY from Adventure Credit Union at 630 32nd St SE, Grand Rapids, MI 49548 2306. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Michigan area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 18, 2026
Compare Best CD Rates in Grand Rapids, Michigan & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
641 44th St SE, Grand Rapids, MI 49548 7525
Business Share Certificates 3 month
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
3 Month CD
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
4635 44th St SE, Grand Rapids, MI 49512
90 Day Share Certificate
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
3 Month Certificate of Deposit Special
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
86 Monroe Center St NW, Grand Rapids, MI 49503
3-Month Certificate or IRA-HSA Jumbo
$100,000
3.15%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 18, 2026
Details
Priority Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 25.91%
6000 28th St SE Ste 100, Grand Rapids, MI 49546 6927
3 Month CD
$500
0.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
3-Month HYC Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
90 Day Certificate
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
3 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.05%
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Relationship
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Month Cert / IRA
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details
The Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
3 Month Term Share Certificates
$500
2.50%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
CD, Traditional IRA CD & Roth IRA CD Accounts 3-Month
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
3 MONTH CERTIFICATE
$3,000
2.02%
▼
Rate—
Min Deposit$3,000
Min Balance—
UpdatedApr 18, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
3 month Certificate of Deposit
$0
1.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
3 Month Tier 3 Certificate
$0
1.60%
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
3 Month CD Gold
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
Jumbo Certificates 3 Month
$20,000
1.31%
▼
Rate1.30%
Min Deposit$20,000
Min Balance—
UpdatedApr 18, 2026
Details
Ignite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
3 MONTH CERTIFICATE
$50
1.10%
▼
Rate—
Min Deposit$50
Min Balance—
UpdatedApr 18, 2026
Details
One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
3 Month Certificate of Deposit & Term IRAs
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
IRA 3 Month Term Share Certificates
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Lake Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
3 Month Certificate of Deposit
$500
0.15%
▼
Rate0.15%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Community Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
3-Month Certificate
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 18, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
630 32nd St SE, Grand Rapids, MI 49548 2306
6 month CD - 90th Anniversary Special
$0
4.90%
▼
Rate4.81%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
6-Month CD
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6000 28th St SE, Grand Rapids, MI 49546 6927
6 Month Share Certificate SPECIAL!
$2,500
4.06%
▼
Rate4.00%
Min Deposit$2,500
Min Balance—
UpdatedApr 18, 2026
Details
Quarterly Dividend Transfers, Non-Automatic Renewal, Simple Interest, Paid Quarterly! NEW MONEY ONLY!!!
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
641 44th St SE, Grand Rapids, MI 49548 7525
Business Share Certificates 6 month
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
Rising Rate Certificate of Deposit - Third 6-month Term
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
6 Month CD
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Bloom Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
4833 Town Center Dr SE, Grand Rapids, MI 49512 9728
6 Month CD Special
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
86 Monroe Center St NW, Grand Rapids, MI 49503
6-Month Certificate or IRA-HSA Jumbo
$100,000
3.55%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 18, 2026
Details
Priority Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 25.91%
6000 28th St SE Ste 100, Grand Rapids, MI 49546 6927
6 Month CD
$500
0.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
6 month - 4H or FFA CD
$0
5.05%
▼
Rate4.93%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Amount of 4H or FFA Check; Max $5,000
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
6-Month HYC Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
180 Day Certificate
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
6 MONTH YOUTH CD
$0
3.79%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
6 Month Term Share Certificates
$100
3.76%
▼
Rate3.70%
Min Deposit$100
Min Balance—
UpdatedApr 18, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
6 Month CD
$10,000
3.70%
▼
Rate3.65%
Min Deposit$10,000
Min Balance—
UpdatedApr 18, 2026
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
Youth Certificates 6 Month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Must be 25 or younger; $2,000 maximum deposit; Deposits: $50 Increments; Up to 10 Youth CD's per youth account; APY will vary depending on the initial certificate deposit amount; There is a penalty for early withdrawal.
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
6 Month Share Certificates and IRA Share Certificates
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
6 MONTH CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
6-Month Share Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 18, 2026
Details
$100,000 Minimum to Earn APY
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
Jumbo Certificates 6 Month
$50,000
3.44%
▼
Rate3.40%
Min Deposit$50,000
Min Balance—
UpdatedApr 18, 2026
Details
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.76%
6 MONTH GOLDEN CD
$500
3.40%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Arbor Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.24%
6 Month Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
6 Month Share Certificates and IRA Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
6 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.20%
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Non-Relationship
Filer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
6 MONTH MIN $ 1,000 Certificate
$0
3.09%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
IRA & SHARE CERTIFICATES 6 MONTH
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6 month Certificate of Deposit
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
6 Month Add-On CD with Direct Deposit
$250
2.98%
▼
Rate2.95%
Min Deposit$250
Min Balance—
UpdatedApr 18, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
CD, Traditional IRA CD & Roth IRA CD Accounts 6-Month
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
Jumbo Certificates 6 Month
$0
2.77%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
The Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
6 Month Term Share Certificates
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Iron Mountain Kingsford Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
6 MO. CERTIFICATE
$0
2.52%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
up to
One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
6 Month Certificate of Deposit & Term IRAs
$500
2.32%
▼
Rate2.30%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
FNB of Wakefield
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
6 mo Certificates of Deposit
$500
2.30%
▼
Rate2.30%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
4Front Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
Business Certificates of Deposit 6 Mo.
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
6 Month Tier 3 Certificate
$0
2.10%
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Family Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate of Deposit & IRA Certificate 6 Month
$500
2.02%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Share Certificate 6 Month
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Valley Credit Union Salem, OR
Institution Rating:
B4.4 ★Texas Ratio: 21.74%
6 Month Share and IRA Certificate
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Marshall Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
CD Special 6 Month
$1,000
1.65%
▼
Rate1.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details
No IRA
Compass Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
6-Month Share Certificate
$500
1.61%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
6 Month CD Gold
$0
1.56%
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Ignite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
6 MONTH CERTIFICATE
$50
1.51%
▼
Rate—
Min Deposit$50
Min Balance—
UpdatedApr 18, 2026
Details
Northern Interstate Bank, N. A.
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6 Month CD
$1,000
1.31%
▼
Rate1.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
6 Month Jumbo Certificate
$0
0.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
6 Month Term Share Account
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Lake Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
6 Month Certificate of Deposit
$500
0.25%
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
IRA 6 Month Term Share Certificates
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
12-Month CD
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
New money only.
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
12 Month CD
$0
3.95%
▼
Rate3.89%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
630 32nd St SE, Grand Rapids, MI 49548 2306
12 month CD
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
United Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
900 East Paris Ave Se, Grand Rapids, MI 49546
12 month CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Limited time CD Special.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
86 Monroe Center St NW, Grand Rapids, MI 49503
1-Year Add-On Certificate or IRA-HSA Jumbo
$100,000
3.55%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 18, 2026
Details
Bloom Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
4833 Town Center Dr SE, Grand Rapids, MI 49512 9728
12 Month CD Special
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
1 Year Certificate of Deposit
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Priority Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 25.91%
6000 28th St SE Ste 100, Grand Rapids, MI 49546 6927
12 Month CD
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2355 Burton St Se, Grand Rapids, MI 49506
12 Month Promo CD Special
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
6000 28th St SE, Grand Rapids, MI 49546
1 Year Certificates of Deposit
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
12 Month CD
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
4635 44th St SE, Grand Rapids, MI 49512
12 Month Share Certificate
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Comerica
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
99 Monroe Ave Nw, Grand Rapids, MI 49503
12-month fixed-rate CD
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
12 Month Liquid Certificate
$2,500
1.60%
▼
Rate1.59%
Min Deposit$2,500
Min Balance—
UpdatedApr 18, 2026
Details
Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6000 28th St SE, Grand Rapids, MI 49546 6927
1 Year Share Certificate
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
12 Month Youth Special Certificate
$0
5.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
iSave Youth (1 Year) Certificate Military
$0
4.50%
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
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 $1,100 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.
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
1 YEAR YOUTH CD
$0
4.34%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Family Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate of Deposit & IRA Certificate Jumbo 12 Month
$25,000
4.18%
▼
Rate4.10%
Min Deposit$25,000
Min Balance—
UpdatedApr 18, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
12 Month Certificate
$500
4.06%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
12 month Certificate of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
12 Month JUMBO Certificate of Deposit
$0
3.98%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
1 Year CD
$10,000
3.96%
▼
Rate3.90%
Min Deposit$10,000
Min Balance—
UpdatedApr 18, 2026
Details
First State Bank (MI)
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
Jumbo CDs 1 Year
$0
3.86%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Youth(Explorer) CD: 12-month term
$0
3.85%
▼
Rate3.79%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
PLUS Certificates 1 Year
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Rate may change after the account is opened. We may impose a penalty if you withdraw funds before the maturity date.
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
12 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Relationship
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Certificate of Deposit 12 Month
$0
3.73%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
Youth Certificates 12 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Must be 25 or younger; $2,000 maximum deposit; Deposits: $50 Increments; Up to 10 Youth CD's per youth account; APY will vary depending on the initial certificate deposit amount; There is a penalty for early withdrawal.
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
12 Month CD with Direct Deposit
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
Youth/Young Adult 12-Month Certificate*
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
12 Month Term Share Certificates
$100
3.51%
▼
Rate3.45%
Min Deposit$100
Min Balance—
UpdatedApr 18, 2026
Details
Arbor Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.24%
12 Month Certificate
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
4Front Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
Business Certificates of Deposit 12 Mo.
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Isabella Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
Certificates of Deposit 1 Year
$10,000
3.00%
▼
Rate2.96%
Min Deposit$10,000
Min Balance—
UpdatedApr 18, 2026
Details
Over $10,000
Filer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
12 MONTH MIN $ 1,000 Certificate
$0
2.99%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
CD, Traditional IRA CD & Roth IRA CD Accounts 12-Month
$0
2.85%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Settlers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
12 Month Share Certificates
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
FNB of Wakefield
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
12 mo Certificates of Deposit
$500
2.77%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Kenowa Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
12 MO CERTIFICATE
$500
2.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Jumbo Term Share Certificates 1 Year
$0
2.70%
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
12 Month Certificate of Deposit & Term IRAs
$500
2.53%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
1 Year Tier 3 Certificate
$0
2.35%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Iron Mountain Kingsford Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
12 Month Certificate
$0
2.26%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
The Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
12 Month Term Share Certificates
$500
2.25%
▼
Rate2.23%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Ignite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
12 MONTH CERTIFICATE
$50
2.17%
▼
Rate—
Min Deposit$50
Min Balance—
UpdatedApr 18, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Valley Credit Union Salem, OR
Institution Rating:
B4.4 ★Texas Ratio: 21.74%
1 Year Bump Up Share and IRA Certificates
$0
1.90%
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Compass Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1-Year Share Certificate
$500
1.87%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Northern Interstate Bank, N. A.
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
12 Month CD
$1,000
1.76%
▼
Rate1.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
18 Month CD
$0
3.81%
▼
Rate3.76%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
630 32nd St SE, Grand Rapids, MI 49548 2306
18 month CD
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
18 Month Certificate of Deposit
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
641 44th St SE, Grand Rapids, MI 49548 7525
18 month Share Certificates
$100,000
3.50%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 18, 2026
Details
Priority Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 25.91%
6000 28th St SE Ste 100, Grand Rapids, MI 49546 6927
18 Month CD
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
18 Month CD
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6000 28th St SE, Grand Rapids, MI 49546 6927
18 Month Share Certificate SPECIAL
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
4635 44th St SE, Grand Rapids, MI 49512
18 Month Share Certificate
$500
2.93%
▼
Rate2.90%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
18-Month Special! Certificate Military
$0
5.00%
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
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 $1,100 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.; At maturity, the CD will be renewed into a 24-month CD.
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
18 Month Compounding Certificates
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
18 month Certificate of Deposit
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 18-Month Variable
$100,000
3.69%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 18, 2026
Details
$100,000 Minimum to Earn APY
Dearborn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
18 MONTH VARIABLE RATE IRA
$100
3.68%
▼
Rate3.62%
Min Deposit$100
Min Balance—
UpdatedApr 18, 2026
Details
(The interest rate and APY may change after account opening)
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
18 Month Certificate of Deposit
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
18 Month Heroes Cert / IRA
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
18 MO IRA Certificate
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
Special Share Certificates 18 Month
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Journey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
18 Month Share Certificates and IRA Certificates
$500
3.40%
▼
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
$500 Minimum Balance
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
CD, Traditional IRA CD & Roth IRA CD Accounts 18-Month
$0
2.90%
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Settlers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
18 Month Share Certificates
$0
2.88%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
18 Month Certificate of Deposit & Term IRAs
$500
2.68%
▼
Rate2.65%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
4Front Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
Business Jumbo Certificates of Deposit 18 Mo.
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
The Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
18 Month Term Share Certificates
$500
2.35%
▼
Rate2.33%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
West Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
18 Month Certificates of Deposit (CDs)
$500
2.27%
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Ignite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
18 MONTH CERTIFICATE
$50
1.92%
▼
Rate—
Min Deposit$50
Min Balance—
UpdatedApr 18, 2026
Details
Northern Interstate Bank, N. A.
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
18 Month CD
$1,000
1.91%
▼
Rate1.90%
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details
G. W. Jones Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
18 Month IRA
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
18 Month Term Share Account
$0
1.10%
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
GR Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
18 month Certificate
$500
1.06%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Century Bank and Trust MI
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
18 Month SEP IRA
$0
0.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
2 Year Certificate of Deposit
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
24-Month CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
24 Month CD
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
86 Monroe Center St NW, Grand Rapids, MI 49503
2-Year Certificate or IRA-HSA Jumbo
$100,000
3.50%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 18, 2026
Details
Priority Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 25.91%
6000 28th St SE Ste 100, Grand Rapids, MI 49546 6927
24 Month CD
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
24 Month CD
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
630 32nd St SE, Grand Rapids, MI 49548 2306
24 month CD
$0
3.20%
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
4635 44th St SE, Grand Rapids, MI 49512
24 Month Share Certificate
$500
2.88%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
641 44th St SE, Grand Rapids, MI 49548 7525
2 year Share Certificates
$0
2.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
24 Month Youth CD
$250
4.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 18, 2026
Details
Youth CDs are available for members 18 years and under. Certificate must be opened under youth's name and SSN. The CD must have the same joint member as the savings account it is tied to.
Soo-Co-Op Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
24 Month Term Certificates Compounding
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
IRA Certificates 24 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
24 MONTH CD
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
24-Month Share Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 18, 2026
Details
$100,000 Minimum to Earn APY
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.29%
Certificates 2 Year
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Rates may increase .2% when a member qualifies for our loyalty benefits. Ask us for more details.
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
Jumbo Certificates 24 Month
$0
3.27%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Harborlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2 Year Jumbo* Certificates of Deposit
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
24 Month Heroes Cert / IRA
$0
3.10%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Farm Bureau Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
24 MONTH CERTIFICATE
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Settlers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
24 Month Share Certificates
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
FNB of Wakefield
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
24 mo Certificates of Deposit
$500
3.02%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
24 Month Share Certificates
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
CD, Traditional IRA CD & Roth IRA CD Accounts 24-Month
$0
2.95%
▼
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
4Front Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
Business Jumbo Certificates of Deposit 24 Mo.
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Filer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
24 MONTH MIN $ 1,000 Certificate
$0
2.89%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Community Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
2 Year Certificate
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details
$1000 minimum deposit
One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
24 Month Certificate of Deposit & Term IRAs
$500
2.73%
▼
Rate2.70%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Kenowa Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
24 MO CERTIFICATE
$500
2.68%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Family Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate of Deposit & IRA Certificate Jumbo 24 Month
$25,000
2.63%
▼
Rate2.60%
Min Deposit$25,000
Min Balance—
UpdatedApr 18, 2026
Details
West Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
24 Month IRA Certificates
$500
2.52%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
The Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
24 Month Term Share Certificates
$500
2.50%
▼
Rate2.48%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
2 Year Tier 3 Certificate
$0
2.40%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
24 Month Term Share Certificates
$100
2.35%
▼
Rate2.32%
Min Deposit$100
Min Balance—
UpdatedApr 18, 2026
Details
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
PLUS Certificates 2 Year
$0
2.32%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Rate may change after the account is opened. We may impose a penalty if you withdraw funds before the maturity date.
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
2 YEAR CERTIFICATE
$0
2.28%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
2 Year CD Gold
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Valley Credit Union Salem, OR
Institution Rating:
B4.4 ★Texas Ratio: 21.74%
2 Year Share and IRA Certificate
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Ignite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
24 MONTH CERTIFICATE
$50
2.12%
▼
Rate—
Min Deposit$50
Min Balance—
UpdatedApr 18, 2026
Details
Alpena Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
IRA 24 MONTH
$2,000
2.02%
▼
Rate2.00%
Min Deposit$2,000
Min Balance—
UpdatedApr 18, 2026
Details
Iron Mountain Kingsford Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
24 Month Certificate
$0
2.01%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
GRAND TRUNK BATTLE CREEK EMP
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
2 YEAR CERTIFICATE
$0
1.71%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Marshall Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
CD Special 24 Month
$500
1.65%
▼
Rate1.29%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Arbor Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.24%
24 Month Certificate
$0
1.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
24 Month Term Share Account
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
GR Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
24 month Certificate
$500
1.11%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
24 Month Jumbo Certificate
$0
1.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
3-Year Rising Rate Certificate of Deposit Year 3 term
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
36 Month CD
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
86 Monroe Center St NW, Grand Rapids, MI 49503
3-Year Certificate or IRA-HSA Jumbo
$100,000
3.55%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 18, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
630 32nd St SE, Grand Rapids, MI 49548 2306
36 month CD
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Priority Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 25.91%
6000 28th St SE Ste 100, Grand Rapids, MI 49546 6927
36 Month CD
$500
3.04%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
4635 44th St SE, Grand Rapids, MI 49512
36 Month Share Certificate
$500
2.68%
▼
Rate2.65%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
641 44th St SE, Grand Rapids, MI 49548 7525
3 year Share Certificates
$100,000
2.20%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 18, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
Bump Up Certificate 36 Month
$500
2.00%
▼
Rate1.99%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
36 Month Youth CD
$250
4.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 18, 2026
Details
Youth CDs are available for members 18 years and under. Certificate must be opened under youth's name and SSN. The CD must have the same joint member as the savings account it is tied to.
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
36 Month Share Certificates and IRA Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
36 MONTH CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 36-Month Variable
$100,000
3.58%
▼
Rate3.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 18, 2026
Details
$100,000 Minimum to Earn APY
FNB of Wakefield
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
36 mo Certificates of Deposit
$500
3.53%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.76%
36 MO GOLDEN CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
36 Month IRA Certificates
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.10%
3 Year Share Certificate
$500
3.45%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Journey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
36 Month Share Certificates and IRA Certificates
$500
3.40%
▼
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
$500 Minimum Balance
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
3 Year CD
$10,000
3.34%
▼
Rate3.30%
Min Deposit$10,000
Min Balance—
UpdatedApr 18, 2026
Details
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.29%
Certificates 3 Year
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Rates may increase .2% when a member qualifies for our loyalty benefits. Ask us for more details.
Farm Bureau Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
36 MONTH CERTIFICATE
$500
3.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
36 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Non-Relationship
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
CD, Traditional IRA CD & Roth IRA CD Accounts 36-Month
$0
3.05%
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Baraga County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
IRA 36 Month CD
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
No Fees
IncredibleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
36 Month CD, Traditional IRA and Roth IRA
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Harborlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3 Year Jumbo* Certificates of Deposit
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
4Front Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
Business Jumbo Certificates of Deposit 36 Mo.
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
36 Month Certificate of Deposit & Term IRAs
$500
2.89%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
36 Month Heroes Cert / IRA
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Filer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
36 MONTH MIN $ 1,000 Certificate
$0
2.79%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
The Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
36 Month Term Share Certificates
$500
2.75%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Family Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate of Deposit & IRA Certificate Jumbo 36 Month
$25,000
2.73%
▼
Rate2.70%
Min Deposit$25,000
Min Balance—
UpdatedApr 18, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
3 Year Tier 3 Certificate
$0
2.60%
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
3 YEAR CERTIFICATE
$0
2.53%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
3 Year Certificate
$500
2.52%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Share Certificate 36 Month
$0
2.50%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
3 Year Compounding Certificates
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
36 Month Term Share Certificates
$100
2.40%
▼
Rate2.37%
Min Deposit$100
Min Balance—
UpdatedApr 18, 2026
Details
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
3 Year CD Gold
$0
2.38%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Kenowa Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
36 MO CERTIFICATE
$500
2.37%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Ignite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
36 MONTH CERTIFICATE
$50
2.33%
▼
Rate—
Min Deposit$50
Min Balance—
UpdatedApr 18, 2026
Details
Alpena Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
IRA 36 MONTH
$2,000
2.27%
▼
Rate2.25%
Min Deposit$2,000
Min Balance—
UpdatedApr 18, 2026
Details
Compass Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
3-Year Share Certificate
$500
2.22%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Northern Interstate Bank, N. A.
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
36 Month CD
$1,000
2.07%
▼
Rate2.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details
GRAND TRUNK BATTLE CREEK EMP
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
3 YEAR CERTIFICATE
$0
2.02%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Marshall Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
CD Special 36 Month
$500
1.80%
▼
Rate1.79%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Iron Mountain Kingsford Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
36 Month Certificate
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Arbor Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.24%
36 Month Certificate
$0
1.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
36 Month Term Share Account
$0
1.36%
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
36 Month Jumbo Certificate
$0
1.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
48 Month CD
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
86 Monroe Center St NW, Grand Rapids, MI 49503
4-Year Certificate or IRA-HSA Jumbo
$100,000
3.60%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 18, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
4 Year Certificate of Deposit
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
48 Month CD
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
630 32nd St SE, Grand Rapids, MI 49548 2306
48 month CD
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
4635 44th St SE, Grand Rapids, MI 49512
48 Month Share Certificate
$500
2.47%
▼
Rate2.45%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
IRA Certificates 48 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
IRA & SHARE CERTIFICATES 4 YEAR
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
48 MONTH CD
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
48 month Certificate of Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
48 Month Certificates
$0
3.27%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
CD, Traditional IRA CD & Roth IRA CD Accounts 48-Month
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
48 Month Certificate of Deposit & Term IRAs
$500
3.14%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
48 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Non-Relationship
Harborlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
4 Year Jumbo* Certificates of Deposit
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
FNB of Wakefield
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
48 mo Certificates of Deposit
$500
3.02%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
IRA Jumbo 48 Month Certificates
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
48 Month Heroes Cert / IRA
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Family Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate of Deposit & IRA Certificate Jumbo 48 Month
$25,000
2.84%
▼
Rate2.80%
Min Deposit$25,000
Min Balance—
UpdatedApr 18, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
4 Year CD
$10,000
2.83%
▼
Rate2.80%
Min Deposit$10,000
Min Balance—
UpdatedApr 18, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
4 Year Tier 2 Certificate
$0
2.80%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
4 Year Certificate
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Community Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
4 Year Certificate
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details
$1000 minimum deposit
Filer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
48 MONTH MIN $ 1,000 Certificate
$0
2.63%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Valley Credit Union Salem, OR
Institution Rating:
B4.4 ★Texas Ratio: 21.74%
4 Year Share and IRA Certificate
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Ignite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
48 MONTH CERTIFICATE
$50
2.53%
▼
Rate—
Min Deposit$50
Min Balance—
UpdatedApr 18, 2026
Details
Alpena Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
IRA 48 MONTH
$2,000
2.52%
▼
Rate2.50%
Min Deposit$2,000
Min Balance—
UpdatedApr 18, 2026
Details
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
4 Year CD Gold
$0
2.48%
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
Non-Compounding Certificates 4 Year
$0
2.45%
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
4Front Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
Business Jumbo Certificates of Deposit 48 Mo.
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Kenowa Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
48 MO CERTIFICATE
$500
2.41%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
48 Month Term Share Certificates
$100
2.40%
▼
Rate2.37%
Min Deposit$100
Min Balance—
UpdatedApr 18, 2026
Details
Compass Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
4-Year Share Certificate
$500
2.38%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
48 Month IRA CD
$500
2.27%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Arbor Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.24%
48 Month Certificate
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
GRAND TRUNK BATTLE CREEK EMP
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
4 YEAR CERTIFICATE
$0
2.17%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Northern Interstate Bank, N. A.
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
48 Month CD
$1,000
2.12%
▼
Rate2.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
48 Month Share Certificates
$0
2.00%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Marshall Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
CD Special 48 Month
$500
1.80%
▼
Rate1.79%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
48 Month Term Share Account
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
48 Month Jumbo Certificate
$0
1.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
GR Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
48 month Certificate
$500
1.31%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
IRA 48 Month Term Share Certificates
$0
0.65%
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Community Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
4-Year Certificate
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
60 Month CD
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
86 Monroe Center St NW, Grand Rapids, MI 49503
5-Year Certificate or IRA-HSA Jumbo
$100,000
3.70%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 18, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
60 Month IRA/HSA CD VIP BONUS
$500
3.60%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Traditional or Roth plans available; Can be established under a Certificate of Deposit or Insured Money Management Account; Contributions are usually tax deductible; Earn 3.60% APY on balances $500.00+
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
141 Ionia Ave Nw, Grand Rapids, MI 49503
5 Year Certificate of Deposit
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
630 32nd St SE, Grand Rapids, MI 49548 2306
60 month CD
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Priority Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 25.91%
6000 28th St SE Ste 100, Grand Rapids, MI 49546 6927
60 Month CD
$500
3.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
641 44th St SE, Grand Rapids, MI 49548 7525
5 year Share Certificate
$100,000
2.20%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 18, 2026
Details
First Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
Share Certificate 60 Month Term
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
60 Month CD
$0
3.85%
▼
Rate3.79%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
60 MONTH CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.76%
60 MO GOLDEN CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
60 Month Certificates
$0
3.54%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
60-Month HYC Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
CD, Traditional IRA CD & Roth IRA CD Accounts 60-Month
$0
3.45%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.10%
5 Year Share Certificate
$500
3.35%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
60 Month Certificate of Deposit & Term IRAs
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
60 Month Share Certificates and IRA Share Certificates
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
60 Month Heroes Cert / IRA
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Family Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate of Deposit & IRA Certificate Jumbo 60 Month
$25,000
3.04%
▼
Rate3.00%
Min Deposit$25,000
Min Balance—
UpdatedApr 18, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
5 Year Certificate
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
The Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
60 Month Term Share Certificates
$500
3.00%
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
5 Year Tier 3 Certificate
$0
2.95%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
IRA Certificates 60 Month
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Alpena Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
IRA 60 MONTH
$2,000
2.78%
▼
Rate2.75%
Min Deposit$2,000
Min Balance—
UpdatedApr 18, 2026
Details
FNB of Wakefield
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
60 mo Certificates of Deposit
$500
2.77%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Ignite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
60 MONTH CERTIFICATE
$50
2.73%
▼
Rate—
Min Deposit$50
Min Balance—
UpdatedApr 18, 2026
Details
Valley Credit Union Salem, OR
Institution Rating:
B4.4 ★Texas Ratio: 21.74%
5 Year Share and IRA Certificate
$0
2.70%
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
5 Year CD Gold
$0
2.58%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
5 Year CD
$10,000
2.57%
▼
Rate2.55%
Min Deposit$10,000
Min Balance—
UpdatedApr 18, 2026
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
60 Month IRA CD
$500
2.53%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Arbor Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.24%
60 Month Certificate
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Filer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
60 MONTH MIN $ 1,000 Certificate
$0
2.48%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Kenowa Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
60 MO CERTIFICATE
$500
2.46%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
4Front Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
Business Jumbo Certificates of Deposit 60 Mo.
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Northern Interstate Bank, N. A.
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
60 Month CD
$1,000
2.27%
▼
Rate2.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
60 Month Share Certificates
$0
2.00%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Vibe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
60 Month Certificate
$0
1.90%
▼
Rate1.89%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Marshall Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
CD Special 60 Month
$500
1.80%
▼
Rate1.79%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
60 Month Term Share Account
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
60 Month Jumbo Certificate
$0
1.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
GR Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
60 Month Certificate
$500
1.41%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Mayville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
Certificates of Deposit (CDs) 60 Month
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
IRA 60 Month Term Share Certificates
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Community Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
5-Year Certificate
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Lake Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
12 Month to 60 Month Certificate of Deposit
$500
0.25%
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Powered by
MonitorBankRates
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Grand Rapids, MI CD Rate Trends
Compare local Grand Rapids, MI CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — MI Avg
2.882%
▼ 0.027 vs 7 days ago
Michigan 12-month CD rates fell 0.027 points over the past 7 days to 2.882% APY.
6-Month CD — MI Avg
2.854%
▼ 0.042 vs 7 days ago
Michigan 6-month CD rates fell 0.042 points over the past 7 days to 2.854% APY.
As of Apr 18, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
MI CD Rate Forecast — Next 12 Months
Where are Michigan CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MI 12-Month Avg APY
2.882%
6-Month Forecast
2.882%
Range: 2.68% – 3.03%
12-Month Forecast
2.632%
Range: 2.43% – 2.78%
Powered by
MonitorBankRates
What Your Savings Earn at MI CD Rates Today
Annual interest earnings at today’s Michigan average APYs. State average used where available; national average as fallback.
| CD Term | MI Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.156% | $107.80 | $215.59 | $538.98 | $1,077.95 |
| 6-Month CD | 2.854% | $142.69 | $285.38 | $713.45 | $1,426.90 |
| 12-Month CD | 2.882% | $144.09 | $288.17 | $720.43 | $1,440.85 |
| 18-Month CD | 2.943% | $147.14 | $294.28 | $735.70 | $1,471.40 |
| 24-Month CD | 2.718% | $135.92 | $271.84 | $679.60 | $1,359.20 |
| 36-Month CD | 2.660% | $133.00 | $266.00 | $665.00 | $1,330.00 |
| 48-Month CD | 2.727% | $136.36 | $272.71 | $681.78 | $1,363.55 |
| 60-Month CD | 2.766% | $138.28 | $276.55 | $691.38 | $1,382.75 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 18, 2026. | |||||
Sample CD Ladder for Grand Rapids, Michigan Savers
$25,000 split equally across 5 terms using today’s Michigan average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | MI Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.156% | $107.80 |
| 2 | 6-Month CD | $5,000 | 2.854% | $142.69 |
| 3 | 12-Month CD | $5,000 | 2.882% | $144.09 |
| 4 | 24-Month CD | $5,000 | 2.718% | $135.92 |
| 5 | 36-Month CD | $5,000 | 2.660% | $133.00 |
| Total ($25,000 invested) | $25,000 | 2.654% blended | $663.50/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.
98
Institutions
in Grand Rapids, Michigan
in Grand Rapids, Michigan
21 Banks
77 Credit Unions
About Our Grand Rapids, Michigan CD Rate Database
MonitorBankRates tracks CD rates from 21 banks and 77 credit unions with locations in Grand Rapids, Michigan, plus national online institutions available to Michigan residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Adventure Credit Union offers a CD at 4.90% 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 77 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 — 98 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Grand Rapids, Michigan savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Grand Rapids, Michigan money market rates
Grand Rapids, Michigan Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
12.9%
National avg: 17.3%
Median Individual Earnings
$39,108
National avg: $47,340
Poverty Rate
16.9%
National avg: 11.1%
Unemployment Rate
5.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$113/yr
At MI 12-mo avg 2.882% APY
12.9% of residents are 65 or older — below the national average of 17.3%. At today’s MI 12-month CD average of 2.882%, saving 10% of the local median salary ($3,910/year) and putting it in a CD would earn an additional $113 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Grand Rapids, Michigan
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
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:
- Adventure Credit Union: 4.90% APY (6 month CD - 90th Anniversary Special)
- Meijer Credit Union: 4.25% APY (12-Month CD)
- Maui Teachers Federal Credit Union: 4.06% APY (6 Month Share Certificate SPECIAL!)
- Dfcu Financial Credit Union: 4.00% APY (Business Share Certificates 6 month)
- First National Bank of Michigan: 3.97% APY (3-Year Rising Rate Certificate of Deposit Year 3 term)
- First National Bank of America (FNBA): 3.95% APY (12 Month CD)
- Bloom Credit Union: 3.75% APY (6 Month CD Special)
- Michigan State University Federal Credit Union: 3.70% APY (5-Year Certificate or IRA-HSA Jumbo)
- LMCU Lake Michigan Credit Union: 3.60% APY (60 Month IRA/HSA CD VIP BONUS)
- United Bank of Michigan: 3.60% APY (12 month CD)
Rates reflect recent verified offers available in Grand Rapids, Michigan. Last Updated: April 18, 2026
CD Calculators for Grand Rapids, Michigan
Grand Rapids, Michigan CD Calculator
At today’s MI top rate of 4.90% APY, a $10,000 deposit earns $490 in the first year. Enter your amount to see your exact return.
Grand Rapids, Michigan CD LadderMI CD rates currently range from 2.156% (3-month) to 2.660% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Grand Rapids, Michigan CD at 4.90% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsMichigan’s average 12-month CD is 2.882% 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
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 pulling data straight 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: April 18, 2026
Rate Assistant
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