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CD Rates Ionia, Michigan (MI) for April 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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| iEditorial Disclosure
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: April 9, 2026

Current Ionia, Michigan CD rates include Adventure Credit UnionAdventure Credit Union3062 S State Rd, Ionia, MI 48846A+5.0 ★Texas Ratio: 3.98% offering 6 month CD - 90th Anniversary Special at 4.90% APY, United Financial Credit UnionUnited Financial Credit UnionA+5.0 ★Texas Ratio: 3.73% offering 6 month - 4H or FFA CD at 5.05% APY, OMNI Community Credit UnionOMNI Community Credit UnionA+5.0 ★Texas Ratio: 3.58% offering 12 Month Youth Special Certificate at 5.00% APY, Wolverine State Credit UnionWolverine State Credit UnionA5.0 ★Texas Ratio: 6.10% offering 1 YEAR YOUTH CD at 4.34% APY, and Meijer Credit UnionMeijer Credit UnionA+5.0 ★Texas Ratio: 5.75% offering 12-Month CD at 4.25% APY. CD rates as of April 9, 2026 according to verified data from MonitorBankRates.

Ionia has 7 local institutions in our database, with CD rates as high as 4.90% APY from Adventure Credit Union at 3062 S State Rd, Ionia, MI 48846. 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 9, 2026

Compare Best CD Rates in Ionia, Michigan & the Surrounding Area

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.43%
3-Month Certificate
$0
4.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

No minimum deposit.

InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
3-Month HYC Certificate
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3 month Share Certificate
$1,000
3.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 9, 2026
Details

First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
3 Month CD
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
90 Day Share Certificate
$1,000
3.55%
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 9, 2026
Details

Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
90 Day Certificate
$500
3.29%
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Bank of Ann Arbor
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
3 Month Retail CD
$1,000
3.25%
View
▼
Rate3.22%
Min Deposit$1,000
Min Balance—
UpdatedApr 9, 2026
Details

A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates effective as of 03/23/2026 - 03/29/2026.

LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
IRA Certificates 3 Month
$0
3.15%
View
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 9, 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%
View
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Relationship

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3-Month Certificate or IRA-HSA
$500
3.00%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Month Cert / IRA
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

The Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
3 Month Term Share Certificates
$500
2.50%
View
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 9, 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%
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
3 MONTH CERTIFICATE
$3,000
2.02%
View
▼
Rate—
Min Deposit$3,000
Min Balance—
UpdatedApr 9, 2026
Details

Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
3 month Certificate of Deposit
$0
1.70%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 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%
View
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
3 Month CD Gold
$0
1.51%
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
Jumbo Certificates 3 Month
$20,000
1.31%
View
▼
Rate1.30%
Min Deposit$20,000
Min Balance—
UpdatedApr 9, 2026
Details

BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
3 Month Certificate
$50
1.10%
View
▼
Rate1.10%
Min Deposit$50
Min Balance—
UpdatedApr 9, 2026
Details

$50 Minimum Deposit

One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
3 Month Certificate of Deposit & Term IRAs
$500
1.00%
View
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
3 Month CD
$500
0.55%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
3 Month Share Certificate Account
$0
0.50%
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
3 Month Term Share Certificates
$0
0.20%
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Lake Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
3 Month Certificate of Deposit
$500
0.15%
View
▼
Rate0.15%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Community Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
3-Month Certificate
$0
0.10%
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 9, 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%
3062 S State Rd, Ionia, MI 48846
6 month CD - 90th Anniversary Special
$0
4.90%
View
▼
Rate4.81%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
6 month - 4H or FFA CD
$0
5.05%
View
▼
Rate4.93%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Amount of 4H or FFA Check; Max $5,000

Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
6-Month CD
$0
4.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Share Certificate SPECIAL
$2,500
4.06%
View
▼
Rate4.00%
Min Deposit$2,500
Min Balance—
UpdatedApr 9, 2026
Details

Quarterly Dividend Transfers, Non-Automatic Renewal, Simple Interest, Paid Quarterly! NEW MONEY ONLY!!!

Michigan Columbus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
6 Month CD
$0
4.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
6-Month HYC Certificate
$0
3.90%
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
6 Month CD
$0
3.85%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
180 Day Certificate
$500
3.80%
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
6 MONTH YOUTH CD
$0
3.79%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
6 Month Term Share Certificates
$100
3.76%
View
▼
Rate3.70%
Min Deposit$100
Min Balance—
UpdatedApr 9, 2026
Details

TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
6 Month CD
$500
3.75%
View
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

$500 Minimum; Direct Deposit

Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
Certificate Dividend Rate 6 Month Youth
$0
3.70%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Bloom Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
6 Month CD Special Certificates and IRA Certificates
$500
3.69%
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
6 Month IRA Certificates
$0
3.65%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Agility 6-month CD
$1,000
3.56%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 9, 2026
Details

The Dart Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.95%
6 Month CD
$500
3.55%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Limited time offer and is subject to change without notice, $500 Minimum deposit to open CD Special. After maturity if you choose to roll over your CD, it will renew to the same term and the then-current interest rate (rate at time of maturity). A penalty will be imposed for early withdrawal. Fees will reduce earnings.; Online opening available only to residents in Michigan.

Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
6 MO IRA Certificate
$500
3.50%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
6-Month Share Certificate
$100,000
3.45%
View
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 9, 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%
View
▼
Rate3.40%
Min Deposit$50,000
Min Balance—
UpdatedApr 9, 2026
Details

Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.76%
6 MONTH GOLDEN CD
$500
3.40%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Farm Bureau Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
6 MONTH CERTIFICATE
$500
3.25%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Bank of Ann Arbor
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
6 Month Retail CD
$1,000
3.20%
View
▼
Rate3.17%
Min Deposit$1,000
Min Balance—
UpdatedApr 9, 2026
Details

A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates effective as of 03/23/2026 - 03/29/2026.

Filer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
6 Month Certificate
$0
3.09%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
IRA & SHARE CERTIFICATES 6 MONTH
$0
3.03%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6 month Certificate of Deposit
$0
3.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 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%
View
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedApr 9, 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%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

The Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
6 Month Term Share Certificates
$500
2.75%
View
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Iron Mountain Kingsford Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
6 MO. CERTIFICATE
$0
2.52%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 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%
View
▼
Rate2.30%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

FNB of Wakefield
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
6 mo Certificates of Deposit
$500
2.30%
View
▼
Rate2.30%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

4Front Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
6 Mo. Regular, Traditional & Roth IRA
$0
2.27%
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Gogebic Range Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.26%
6 Month CD
$500
2.26%
View
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedApr 9, 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%
View
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Family Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate of Deposit & IRA Certificate 6 Month
$500
2.02%
View
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Share Certificate 6 Month
$0
2.00%
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Valley Credit Union Salem, OR
Institution Rating:
B4.4 ★Texas Ratio: 21.74%
6 Month Share and IRA Certificate
$0
1.75%
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
6 Month Certificate
$500
1.72%
View
▼
Rate1.70%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

$500 minimum

Marshall Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
6 Month CD Special
$1,000
1.65%
View
▼
Rate1.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 9, 2026
Details

Premier APY

Compass Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
6-Month Share Certificate
$500
1.61%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
6 Month CD Gold
$0
1.56%
View
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
6 Month Certificate
$50
1.51%
View
▼
Rate1.50%
Min Deposit$50
Min Balance—
UpdatedApr 9, 2026
Details

$50 Minimum Deposit

Downriver Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
Share Certificate 6 month
$0
1.00%
View
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
6 Month Jumbo Certificate
$0
0.85%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
6 Month Term Share Account
$0
0.75%
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Lake Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
6 Month Certificate of Deposit
$500
0.25%
View
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
6 Month Term Share Certificates
$0
0.20%
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Community Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
6-Month Certificate
$0
0.15%
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Flagship Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
6 Month CD
$0
0.10%
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

First State Bank (MI)
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
Easy CD 6 Month (182 day)
$1,000
0.05%
View
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 9, 2026
Details

$250

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%
3062 S State Rd, Ionia, MI 48846
12 month CD
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
12 Month Youth Special Certificate
$0
5.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
1 YEAR YOUTH CD
$0
4.34%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
12-Month CD
$0
4.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

New money only.

Family Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate of Deposit & IRA Certificate Jumbo 12 Month
$25,000
4.18%
View
▼
Rate4.10%
Min Deposit$25,000
Min Balance—
UpdatedApr 9, 2026
Details

Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
12 Month Certificate
$500
4.06%
View
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
12 month Certificate of Deposit
$0
4.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
12 Month JUMBO Certificate of Deposit
$0
3.98%
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
1 Year CD
$10,000
3.96%
View
▼
Rate3.90%
Min Deposit$10,000
Min Balance—
UpdatedApr 9, 2026
Details

First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
12 Month CD
$0
3.95%
View
▼
Rate3.89%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

First State Bank (MI)
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
Jumbo CDs 1 Year
$0
3.86%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
12 Month Youth Certificate
$0
3.85%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
PLUS Certificates 1 Year
$0
3.81%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 9, 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%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Relationship

Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Certificate of Deposit 12 Month
$0
3.73%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
12 Month CD
$500
3.70%
View
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

$500 Minimum; Direct Deposit

CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Agility 12-month CD
$1,000
3.66%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 9, 2026
Details

InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
Youth/Young Adult 12-Month Certificate*
$0
3.65%
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
12 Month Share Certificates and IRA Share Certificates
$0
3.60%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
1 year Share Certificates of Deposit
$0
3.55%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
12 Month Term Share Certificates
$100
3.51%
View
▼
Rate3.45%
Min Deposit$100
Min Balance—
UpdatedApr 9, 2026
Details

Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
12 Month Certificates of Deposit (CDs)
$500
3.50%
View
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

4Front Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
12 Mo. Regular, Traditional & Roth IRA
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
12 Month IRA Certificates
$0
3.44%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.76%
12 MONTH GOLDEN CD
$500
3.40%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
IRA Jumbo 12 Month Certificates
$0
3.35%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
12 Month Promo CD Special
$0
3.30%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

CASE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
IRA TDA 1 Year
$500
3.25%
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

$500 Minimum Balance

Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
12 Month Fixed IRA
$0
3.20%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Farm Bureau Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
12 MONTH CERTIFICATE
$500
3.15%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
12 Month Share Certificate
$500
3.03%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Bank of Ann Arbor
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
12 Month Retail CD
$1,000
3.00%
View
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
UpdatedApr 9, 2026
Details

A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates effective as of 03/23/2026 - 03/29/2026.

Filer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
12 Month Certificate
$0
2.99%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 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%
View
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Gogebic Range Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.26%
12 Month CD
$500
2.78%
View
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

FNB of Wakefield
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
12 mo Certificates of Deposit
$500
2.77%
View
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Kenowa Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
12 MO CERTIFICATE
$500
2.75%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Jumbo Term Share Certificates 1 Year
$0
2.70%
View
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
12 Month Certificate of Deposit & Term IRAs
$500
2.53%
View
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 9, 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%
View
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Iron Mountain Kingsford Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
12 Month Certificate
$0
2.26%
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Share Certificate 12 Month
$0
2.25%
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
Youth 12 Month Certificates
$0
2.17%
View
▼
Rate2.15%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Youth Certificates: .75% Rate Increase for Trailblazer Youth Program Members***

The Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
12 Month Save to Win Term Share Certificates
$25
2.05%
View
▼
Rate2.03%
Min Deposit$25
Min Balance—
UpdatedApr 9, 2026
Details

Thumb Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
1 Year CD
$0
2.02%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Valley Credit Union Salem, OR
Institution Rating:
B4.4 ★Texas Ratio: 21.74%
1 Year Share and IRA Certificate
$0
2.00%
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Flagship Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
12 Month CD
$0
1.95%
View
▼
Rate1.95%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1 Year Certificate
$1,000
1.91%
View
▼
Rate1.90%
Min Deposit$1,000
Min Balance—
UpdatedApr 9, 2026
Details

$1,000 minimum

Compass Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1-Year Share Certificate
$500
1.87%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Marshall Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
12 Month CD Special
$500
1.65%
View
▼
Rate1.29%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Premier APY

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%
3062 S State Rd, Ionia, MI 48846
18 month CD
$0
3.80%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

FreeStar Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
18-Month Special! Certificates of Deposit
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

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%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
18 Month CD
$0
3.81%
View
▼
Rate3.76%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
18 month Certificate of Deposit
$0
3.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 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%
View
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 9, 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%
View
▼
Rate3.62%
Min Deposit$100
Min Balance—
UpdatedApr 9, 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%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Agility 18-month CD
$1,000
3.61%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 9, 2026
Details

Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
1.5 year Share Certificates of Deposit
$0
3.60%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
18 MO IRA Certificate
$500
3.55%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
18 Month Certificate
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
Special Share Certificates 18 Month
$0
3.45%
View
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 9, 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%
View
▼
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
18 Month Certificate or IRA-HSA
$500
3.35%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

CASE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
IRA TDA 18 Month
$500
3.30%
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

$500 Minimum Balance

LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
18 Month CD
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Bank of Ann Arbor
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
18 Month Retail CD
$1,000
3.05%
View
▼
Rate3.02%
Min Deposit$1,000
Min Balance—
UpdatedApr 9, 2026
Details

A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates effective as of 03/23/2026 - 03/29/2026.

Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Share Certificate SPECIAL
$0
3.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
18 Month Share Certificate
$500
2.93%
View
▼
Rate2.90%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

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%
View
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Settlers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
18 Month Share Certificates
$0
2.88%
View
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
18 Month Certificate of Deposit & Term IRAs
$500
2.68%
View
▼
Rate2.65%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

4Front Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
18 Mo. Regular, Traditional & Roth IRA
$0
2.43%
View
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
18 Month Term Share Certificates
$100
2.35%
View
▼
Rate2.32%
Min Deposit$100
Min Balance—
UpdatedApr 9, 2026
Details

Ignite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
18 MONTH CERTIFICATE
$50
1.92%
View
▼
Rate—
Min Deposit$50
Min Balance—
UpdatedApr 9, 2026
Details

G. W. Jones Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
18 Month IRA
$0
1.51%
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
18 Month CD
$500
1.26%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
18 Month Term Share Account
$0
1.10%
View
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

GR Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
18 month Certificate
$500
1.06%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Thumb Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
18 Month CD
$0
0.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Century Bank and Trust MI
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
18 Month SEP IRA
$0
0.20%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 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%
3062 S State Rd, Ionia, MI 48846
24 month CD
$0
3.20%
View
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
24-Month HYC Certificate
$0
3.75%
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
24 Month CD
$0
3.70%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Soo-Co-Op Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
24 Month Term Certificates Compounding
$0
3.65%
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
2 Year CD
$10,000
3.60%
View
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedApr 9, 2026
Details

Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
24 month Certificate of Deposit
$0
3.55%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Agility 24-month CD
$1,000
3.51%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 9, 2026
Details

TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
24 Month CD
$500
3.50%
View
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

$500 Minimum; Direct Deposit

Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
2 year Share Certificates of Deposit
$0
3.45%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
Certificate Dividend Rate 24 Month Jump Rate Certificate
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
IRA Certificates 24 Month
$0
3.39%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
2-Year Certificate or IRA-HSA
$500
3.35%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

CASE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
IRA TDA 2 Year
$500
3.30%
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

$500 Minimum Balance

Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
Jumbo Certificates 24 Month
$0
3.27%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
24 MO IRA Certificate
$500
3.25%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

4Front Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
24 Mo. Regular, Traditional & Roth IRA
$0
3.19%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Harborlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2 Year Jumbo* Certificates of Deposit
$0
3.15%
View
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
IRA Jumbo 24 Month Certificates
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Farm Bureau Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
24 MONTH CERTIFICATE
$500
3.05%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Settlers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
24 Month Share Certificates
$0
3.04%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Gogebic Range Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.26%
24 Month CD
$500
3.03%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

FNB of Wakefield
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
24 mo Certificates of Deposit
$500
3.02%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
24 Month Share Certificates
$0
3.00%
View
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 9, 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%
View
▼
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Filer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
24 Month Certificate
$0
2.89%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
24 Month Share Certificate
$500
2.88%
View
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Community Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
2 Year Certificate
$1,000
2.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 9, 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%
View
▼
Rate2.70%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Kenowa Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
24 MO CERTIFICATE
$500
2.68%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 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%
View
▼
Rate2.60%
Min Deposit$25,000
Min Balance—
UpdatedApr 9, 2026
Details

The Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
24 Month Term Share Certificates
$500
2.50%
View
▼
Rate2.48%
Min Deposit$500
Min Balance—
UpdatedApr 9, 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%
View
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
24 Month Term Share Certificates
$100
2.35%
View
▼
Rate2.32%
Min Deposit$100
Min Balance—
UpdatedApr 9, 2026
Details

Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
PLUS Certificates 2 Year
$0
2.32%
View
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 9, 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%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
2 Year CD Gold
$0
2.27%
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Valley Credit Union Salem, OR
Institution Rating:
B4.4 ★Texas Ratio: 21.74%
2 Year Share and IRA Certificate
$0
2.25%
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
24 Month Certificate
$50
2.12%
View
▼
Rate2.10%
Min Deposit$50
Min Balance—
UpdatedApr 9, 2026
Details

$50 Minimum Deposit

Alpena Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
IRA 24 MONTH
$2,000
2.02%
View
▼
Rate2.00%
Min Deposit$2,000
Min Balance—
UpdatedApr 9, 2026
Details

Iron Mountain Kingsford Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
24 Month Certificate
$0
2.01%
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
24 Month CD
$500
1.76%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

GRAND TRUNK BATTLE CREEK EMP
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
2 YEAR CERTIFICATE
$0
1.71%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Marshall Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
24 Month CD Special
$500
1.65%
View
▼
Rate1.29%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Premier APY

Downriver Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
Share Certificate 24 month
$0
1.50%
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
CDARS? 2 Year
$0
1.26%
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

GR Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
24 month Certificate
$500
1.11%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
24 Month Jumbo Certificate
$0
1.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Bank Michigan
Institution Rating:
D3.3 ★Texas Ratio: 35.89%
24 Month Certificate
$0
1.00%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Thumb Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2 Year CD
$0
0.55%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
24 Month Term Share Certificates
$0
0.45%
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 9, 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%
3062 S State Rd, Ionia, MI 48846
36 month CD
$0
3.25%
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
36 Month Certificates of Deposit (CDs)
$500
3.75%
View
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
36 Month CD
$0
3.65%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
36 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.60%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Relationship

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 36-Month Variable
$100,000
3.58%
View
▼
Rate3.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 9, 2026
Details

$100,000 Minimum to Earn APY

TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
36 Month CD
$500
3.55%
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

$500 Minimum; Direct Deposit

FNB of Wakefield
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
36 mo Certificates of Deposit
$500
3.53%
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.76%
36 MO GOLDEN CD
$500
3.50%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
IRA Certificates 36 Month
$0
3.49%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.10%
3 Year Share Certificate
$500
3.45%
View
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
Certificate Dividend Rate 36 Month Jump Rate Certificate
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

CASE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
IRA TDA 3 Year
$500
3.35%
View
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 9, 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%
View
▼
Rate3.30%
Min Deposit$10,000
Min Balance—
UpdatedApr 9, 2026
Details

Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.29%
Certificates 3 Year
$0
3.30%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Rates may increase .2% when a member qualifies for our loyalty benefits. Ask us for more details.

4Front Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
36 Mo. Regular, Traditional & Roth IRA
$0
3.20%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Farm Bureau Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
36 MONTH CERTIFICATE
$500
3.15%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
IRA Jumbo 36 Month Certificates
$0
3.05%
View
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
36 Month Certificates
$0
3.03%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
CD, Traditional IRA CD & Roth IRA CD Accounts 36-Month
$0
3.00%
View
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Harborlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3 Year Jumbo* Certificates of Deposit
$0
2.95%
View
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
36 Month Certificate of Deposit & Term IRAs
$500
2.89%
View
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
36 Month Heroes Cert / IRA
$0
2.85%
View
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Filer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
36 Month Certificate
$0
2.79%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

The Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
36 Month Term Share Certificates
$500
2.75%
View
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedApr 9, 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%
View
▼
Rate2.70%
Min Deposit$25,000
Min Balance—
UpdatedApr 9, 2026
Details

County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
36 Month Share Certificate
$500
2.68%
View
▼
Rate2.65%
Min Deposit$500
Min Balance—
UpdatedApr 9, 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%
View
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
3 YEAR CERTIFICATE
$0
2.53%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
3 Year Certificate
$1,000
2.52%
View
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 9, 2026
Details

$1,000 minimum

Valley Credit Union Salem, OR
Institution Rating:
B4.4 ★Texas Ratio: 21.74%
3 Year Share and IRA Certificate
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
3 Year Compounding Certificates
$0
2.43%
View
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
36 Month Term Share Certificates
$100
2.40%
View
▼
Rate2.37%
Min Deposit$100
Min Balance—
UpdatedApr 9, 2026
Details

South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
3 Year CD Gold
$0
2.38%
View
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Kenowa Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
36 MO CERTIFICATE
$500
2.37%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
36 Month Certificate
$50
2.33%
View
▼
Rate2.30%
Min Deposit$50
Min Balance—
UpdatedApr 9, 2026
Details

$50 Minimum Deposit

Alpena Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
IRA 36 MONTH
$2,000
2.27%
View
▼
Rate2.25%
Min Deposit$2,000
Min Balance—
UpdatedApr 9, 2026
Details

Compass Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
3-Year Share Certificate
$500
2.22%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3 year Share Certificate
$100,000
2.20%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 9, 2026
Details

West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
36 Month CD
$500
2.02%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
36 Month Share Certificates
$0
2.00%
View
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Marshall Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
36 Month CD Special
$500
1.80%
View
▼
Rate1.79%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Premier APY

Iron Mountain Kingsford Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
36 Month Certificate
$0
1.76%
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
CDARS? 3 Year
$0
1.51%
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
3 Year Fixed Rate Term Share IRAs
$0
1.36%
View
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
36 Month Jumbo Certificate
$0
1.30%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

GR Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
36 month Certificate
$500
1.21%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Bank Michigan
Institution Rating:
D3.3 ★Texas Ratio: 35.89%
36 Month Certificate
$0
0.90%
View
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Thumb Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
3 Year CD
$0
0.65%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
36 Month Term Share Certificates
$0
0.55%
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Marquette Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
Share Certificates 36 month
$0
0.35%
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedApr 9, 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%
3062 S State Rd, Ionia, MI 48846
48 month CD
$0
3.25%
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
48 Month Share Certificates and IRA Certificates
$0
3.75%
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
IRA & SHARE CERTIFICATES 4 YEAR
$0
3.70%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
48 Month CD
$0
3.65%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
48 Month CD
$500
3.60%
View
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

$500 Minimum; Direct Deposit

Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.76%
48 MO GOLDEN CD
$500
3.55%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
48 month Certificate of Deposit
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
4-Year Certificate or IRA-HSA
$500
3.45%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
48 Month IRA Certificates
$0
3.44%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
Certificate Dividend Rate 48 Month Jump Rate Certificate
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
48 Month CD
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
48 Month Certificates
$0
3.27%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 9, 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%
View
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
48 Month Certificate of Deposit & Term IRAs
$500
3.14%
View
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 9, 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%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 9, 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%
View
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Gogebic Range Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.26%
48 Month CD
$500
3.03%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

FNB of Wakefield
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
48 mo Certificates of Deposit
$500
3.02%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
IRA Jumbo 48 Month Certificates
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
4 Year Tier 3 Certificate
$0
2.85%
View
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 9, 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%
View
▼
Rate2.80%
Min Deposit$25,000
Min Balance—
UpdatedApr 9, 2026
Details

Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
4 Year CD
$10,000
2.83%
View
▼
Rate2.80%
Min Deposit$10,000
Min Balance—
UpdatedApr 9, 2026
Details

Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
4 Year Certificate
$500
2.78%
View
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Community Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
4 Year Certificate
$1,000
2.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 9, 2026
Details

$1000 minimum deposit

Filer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
48 Month Certificate
$0
2.63%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Valley Credit Union Salem, OR
Institution Rating:
B4.4 ★Texas Ratio: 21.74%
4 Year Share and IRA Certificate
$0
2.60%
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
48 Month Certificate
$50
2.53%
View
▼
Rate2.50%
Min Deposit$50
Min Balance—
UpdatedApr 9, 2026
Details

$50 Minimum Deposit

Alpena Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
IRA 48 MONTH
$2,000
2.52%
View
▼
Rate2.50%
Min Deposit$2,000
Min Balance—
UpdatedApr 9, 2026
Details

South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
4 Year CD Gold
$0
2.48%
View
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
48 Month Share Certificate
$500
2.47%
View
▼
Rate2.45%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
Non-Compounding Certificates 4 Year
$0
2.45%
View
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

4Front Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
48 Mo. Regular, Traditional & Roth IRA
$0
2.43%
View
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Kenowa Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
48 MO CERTIFICATE
$500
2.41%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
48 Month Term Share Certificates
$100
2.40%
View
▼
Rate2.37%
Min Deposit$100
Min Balance—
UpdatedApr 9, 2026
Details

Compass Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
4-Year Share Certificate
$500
2.38%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
48 Month IRA CD
$500
2.27%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

GRAND TRUNK BATTLE CREEK EMP
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
4 YEAR CERTIFICATE
$0
2.17%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
48 Month Share Certificates
$0
2.00%
View
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Marshall Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
48 Month CD Special
$500
1.80%
View
▼
Rate1.79%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Premier APY

OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
4 Year Fixed Rate Term Share IRAs
$0
1.51%
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
48 Month Jumbo Certificate
$0
1.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

GR Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
48 month Certificate
$500
1.31%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
48 Month CD
$500
1.16%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Bank Michigan
Institution Rating:
D3.3 ★Texas Ratio: 35.89%
48 Month Certificate
$0
0.95%
View
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Thumb Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
4 Year CD
$0
0.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
48 Month Term Share Certificates
$0
0.65%
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Community Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
4-Year Certificate
$0
0.40%
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 9, 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%
3062 S State Rd, Ionia, MI 48846
60 month CD
$0
3.25%
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

First Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
Share Certificate 60 Month Term
$500
4.00%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
60 Month CD
$0
3.85%
View
▼
Rate3.79%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
60 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Relationship

TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
IRA Certificates 60 Month
$0
3.70%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
60 Month CD
$500
3.65%
View
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

$500 Minimum; Direct Deposit

Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
1.5 year Share Certificates of Deposit
$0
3.60%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.76%
60 MO GOLDEN CD
$500
3.55%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
60 Month Certificates
$0
3.54%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
60 MO IRA Certificate
$500
3.50%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 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%
View
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
Certificate Dividend Rate 60 Month Jump Rate Certificate
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.10%
5 Year Share Certificate
$500
3.35%
View
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
60 Month Certificate of Deposit & Term IRAs
$500
3.30%
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 9, 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%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
60 Month Heroes Cert / IRA
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 9, 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%
View
▼
Rate3.00%
Min Deposit$25,000
Min Balance—
UpdatedApr 9, 2026
Details

Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
5 Year Certificate
$500
3.03%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.29%
Certificates 5 Year
$0
3.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Rates may increase .2% when a member qualifies for our loyalty benefits. Ask us for more details.

Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
5 Year Tier 3 Certificate
$0
2.95%
View
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
IRA Certificates 60 Month
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Alpena Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
IRA 60 MONTH
$2,000
2.78%
View
▼
Rate2.75%
Min Deposit$2,000
Min Balance—
UpdatedApr 9, 2026
Details

FNB of Wakefield
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
60 mo Certificates of Deposit
$500
2.77%
View
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
60 Month Certificate
$50
2.73%
View
▼
Rate2.70%
Min Deposit$50
Min Balance—
UpdatedApr 9, 2026
Details

$50 Minimum Deposit

Valley Credit Union Salem, OR
Institution Rating:
B4.4 ★Texas Ratio: 21.74%
5 Year Share and IRA Certificate
$0
2.70%
View
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
5 Year CD Gold
$0
2.58%
View
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
5 Year CD
$10,000
2.57%
View
▼
Rate2.55%
Min Deposit$10,000
Min Balance—
UpdatedApr 9, 2026
Details

Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
60 Month IRA CD
$500
2.53%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
60 Month Term Share Certificates
$100
2.50%
View
▼
Rate2.47%
Min Deposit$100
Min Balance—
UpdatedApr 9, 2026
Details

Filer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
60 Month Certificate
$0
2.48%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Kenowa Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
60 MO CERTIFICATE
$500
2.46%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

4Front Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
60 Mo. Regular, Traditional & Roth IRA
$0
2.43%
View
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Downriver Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
Share Certificate 60 month
$0
2.25%
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
5 year Share Certificate
$100,000
2.20%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 9, 2026
Details

Thumb Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
5 Year CD
$0
2.02%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
60 Month Share Certificates
$0
2.00%
View
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Vibe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
60 Month Certificate
$0
1.90%
View
▼
Rate1.89%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Marshall Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
60 Month CD Special
$500
1.80%
View
▼
Rate1.79%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Premier APY

OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
5 Year Fixed Rate Term Share IRAs
$0
1.76%
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
60 Month Jumbo Certificate
$0
1.65%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

GR Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
60 Month Certificate
$500
1.41%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
60 Month CD
$500
1.31%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

Mayville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
Certificates of Deposit (CDs) 60 Month
$0
1.00%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Bank Michigan
Institution Rating:
D3.3 ★Texas Ratio: 35.89%
60 Month Certificate
$0
0.95%
View
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
60 Month Term Share Certificates
$0
0.75%
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Community Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
5-Year Certificate
$0
0.50%
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 9, 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%
View
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details

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.

Ionia, MI CD Rate Trends

Compare local Ionia, 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
2.584%
▼ 0.896 vs 7 days ago

Michigan 12-month CD rates fell 0.896 points over the past 7 days to 2.584% APY.

6-Month CD — MI Avg
2.842%
▼ 0.659 vs 7 days ago

Michigan 6-month CD rates fell 0.659 points over the past 7 days to 2.842% APY.

As of Apr 9, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about CD Rates in Ionia, Michigan

Are CD rates in Ionia, Michigan FDIC insured?

Yes, most established banks in Ionia, 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 Ionia, 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 Ionia, 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 Ionia, 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 Ionia, Michigan?

Here are recent top rates found for this area:
  • Adventure Credit Union: 4.90% APY (6 month CD - 90th Anniversary Special)
  • United Financial Credit Union: 5.05% APY (6 month - 4H or FFA CD)
  • OMNI Community Credit Union: 5.00% APY (12 Month Youth Special Certificate)
  • Wolverine State Credit Union: 4.34% APY (1 YEAR YOUTH CD)
  • Meijer Credit Union: 4.25% APY (12-Month CD)
  • Family Financial Credit Union: 4.18% APY (Certificate of Deposit & IRA Certificate Jumbo 12 Month)
  • Alpena-Alcona Area Credit Union: 4.06% APY (12 Month Certificate)
  • Maui Teachers Federal Credit Union: 4.06% APY (6 Month Share Certificate SPECIAL)
  • Route 31 Federal Credit Union: 4.00% APY (12 month Certificate of Deposit)
  • Michigan Columbus Federal Credit Union: 4.00% APY (6 Month CD)
Rates reflect recent verified offers available in Ionia, Michigan. Last Updated: April 9, 2026

CD Calculators

CD Calculator
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Withdrawal Penalty
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Methodology & Data Sources

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Ionia, 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 Ionia, 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 9, 2026

Ionia, Michigan Rates & Resources

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