Muskegon, Michigan Best CD Rates October 2026

High-Yield Rewards Checking Account required

Max: $6,000,000

No minimum deposit.

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

Balance: $1,000 to $24,999

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

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

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

First Tier APY; Early withdrawals subject to penalties

Jumbo; Valid Thru 10/18/2026

Subject to penalty for early withdrawal

Interest Period Compounded & Credited: Quarterly

Interest Period Compounded & Credited: Quarterly

Autopay Discount: 0.25%

Valid Thru 10/18/2026

Subject to penalty for early withdrawal

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

IRA Certificates; Rates accurate as of 06/29/26; Term Share, Youth, IRA, & HSA Certificates

Regular Term Share Certificates; Rates accurate as of 06/29/26; Term Share, Youth, IRA, & HSA Certificates

Dividend rate for $500 and up

Dividends Paid: At Maturity; Penalties: 90 days*

Balance: $250,000 and up

Balance: $150,000 - $249,000

Balance: $100,000 - $149,000

All Certificates of Deposit receive a 0.15% Renewal Bonus upon expiration (added to rate not APY)

Early Withdrawal Penalty: 90 days interest

Early Withdrawal Penalty: 90 days interest

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

$100.00 minimum, no maximum; Penalty for early withdrawal applies; 6 month term subject to a 60 day dividend penalty; Effective October 1, 2026

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

Balance: $25,000.00 and above

Balance: $1,000.00 - $24,999.99

Balance: $1.00 - $999.99

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

Available for members under the age of 21; Maximum $2,000; 1 per member; Members may open a 2nd CD if joint owner has an Elite Checking Account

Platinum & VIP Members

Loss of 30 days interest for early redemption. Funds currently on deposit at Kalsee Credit Union not eligible. Platinum or VIP Perks +0.25% = 4.25% APY.

Starting minimum deposit $500; not eligible for Member Saver Reward

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

Maximum purchase $250,000.00; Gold and Platinum members are eligible for bonus rates

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

High-Yield Rewards Checking Account required

APY accurate as of 10/13/2026; Maximum deposit $10 million; Limited-time offer

Short-Term Growth; Annual Percentage Yield accurate as of 10/13/2026; Limited-time offer

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

Effective Date: Tuesday, October 13th, 2026