Grand Rapids, Michigan Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Grand Rapids, Michigan CD rates range from 0.01% to 5.25% APY, verified by MonitorBankRates as of October 14, 2026. Current Grand Rapids, Michigan CD rates include First National Bank of MichiganFirst National Bank of Michigan141 Ionia Ave Nw, Grand Rapids, MI 49503A5.0 ★Texas Ratio: 7.32%Real return: +2.20%APY minus CPI (February 2026) offering 3-Year Rising Rate Certificate of Deposit - Year 3 term at 5.00% APY, First National Bank of America (FNBA)First National Bank of America (FNBA)4660 Kalamazoo Ave Se, Grand Rapids, MI 49508B-4.3 ★Texas Ratio: 23.12%Real return: +1.80%APY minus CPI (February 2026) offering 60 Month Certificate of Deposit at 4.60% APY, Intandem Credit UnionIntandem Credit Union1619 Plainfield AVE NE, Grand Rapids, MI 49505 4703A+5.0 ★Texas Ratio: 2.03%Real return: +1.70%APY minus CPI (February 2026) offering 12 Month Youth Share Certificate at 4.50% APY, Michigan State University Federal Credit UnionMichigan State University Federal Credit Union86 Monroe Center St NW, Grand Rapids, MI 49503A5.0 ★Texas Ratio: 9.64%Real return: +1.60%APY minus CPI (February 2026) offering 5-Year Certificate or IRA-HSA Jumbo at 4.40% APY, and Dfcu Financial Credit UnionDfcu Financial Credit Union641 44th St SE, Grand Rapids, MI 49548 7525A+5.0 ★Texas Ratio: 1.86%Real return: +1.60%APY minus CPI (February 2026) offering 2 Year Business Share Certificates at 4.40% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.
Grand Rapids has 380 local institutions in our database, with CD rates as high as 5.00% APY from First National Bank of Michigan at 141 Ionia Ave Nw, Grand Rapids, MI 49503. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Michigan area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 14, 2026
Compare Best CD Rates in Grand Rapids, Michigan & the Surrounding Area
Grand Rapids 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
3 Month Certificate of Deposit
$0
3.85%
▲ 1.72% above Michigan avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.13%▲ 1.72% above avgNationally 2.09%
Details
Minimum balance $1,000 to obtain the APY; APY assumes principal and interest remain on deposit until maturity; early withdrawal penalty may apply
Rate History
1 change since Sep 18, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60%
- Sep 24, 20263.85%▲ from 3.60%
- Sep 18, 20263.60%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
Time Certificate of Deposit - 3 Month
$0
3.85%
▲ 1.72% above Michigan avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.13%▲ 1.72% above avgNationally 2.09%
Details
East Lansing Rates
Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 3 times
Independent Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
4200 E Beltline Ave Ne, Grand Rapids, MI 49525
3-Month CD Special
$0
3.76%
▲ 1.63% above Michigan avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.13%▲ 1.63% above avgNationally 2.09%
Details
Interest Tier: $1,000 minimum; Effective October 14, 2026
Rate History
2 changes since Sep 18, 2026 · 3.56% → 3.76% ▲ 0.20 pts · high 3.76% / low 3.56%
- Oct 2, 20263.76%▲ from 3.66%
- Sep 24, 20263.66%▲ from 3.56%
- Sep 18, 20263.56%first recorded
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
641 44th St SE, Grand Rapids, MI 49548 7525
3 month Business Share Certificates
$0
3.75%
▲ 1.62% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 1.62% above avgNationally 2.09%
Details
Balance: $1,000 to $24,999
Rate History
No change since Oct 13, 2026 · 3.75% APY
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
641 44th St SE, Grand Rapids, MI 49548 7525
3 month Share Certificates
$0
3.75%
▲ 1.62% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 1.62% above avgNationally 2.09%
Details
Balance: $1,000 to $24,999; Rates effective as of 10/13/2026
Rate History
No change since Oct 13, 2026 · 3.75% APY
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
641 44th St SE, Grand Rapids, MI 49548 7525
Share Certificates - 3 month
$1,000
3.75%
▲ 1.62% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 1.62% above avgNationally 2.09%
Details
Balance: $25,000 to $99,999; Dividends compounded and paid quarterly
Rate History
No change since Oct 13, 2026 · 3.75% APY
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
3 Month IRA/HSA CD - VIP Bonus
$500
3.55%
▲ 1.42% above Michigan avg
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 1.42% above avgNationally 2.09%
Details
VIP Bonus Rate; includes 0.25% VIP Relationship Reward Bonus
Rate History
No change since Oct 13, 2026 · 3.55% APY
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
86 Monroe Center St NW, Grand Rapids, MI 49503
3-Month Certificate or IRA-HSA Jumbo
$0
3.40%
▲ 1.27% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 1.27% above avgNationally 2.09%
Details
Jumbo; Valid Thru 10/18/2026
Rate History
1 change since Sep 18, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15%
- Sep 25, 20263.40%▲ from 3.15%
- Sep 18, 20263.15%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
3 Month CD - VIP Bonus
$500
3.40%
▲ 1.27% above Michigan avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 1.27% above avgNationally 2.09%
Details
VIP Relationship Reward Bonus; VIP Bonus Rate 3.35%; VIP Bonus APY 3.40%
Rate History
No change since Oct 13, 2026 · 3.40% APY
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
3 Month IRA/HSA CD
$500
3.30%
▲ 1.17% above Michigan avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 1.17% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 6 times
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
86 Monroe Center St NW, Grand Rapids, MI 49503
3-Month Certificate or IRA-HSA
$0
3.25%
▲ 1.12% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 1.12% above avgNationally 2.09%
Details
Valid Thru 10/18/2026
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
- Sep 25, 20263.25%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1619 Plainfield AVE NE, Grand Rapids, MI 49505 4703
Term Share Certificate - 3 Months
$500
3.15%
▲ 1.02% above Michigan avg
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 1.02% above avgNationally 2.09%
Details
Rates effective 10/1/2026; Rates are based on the term selected and on where purchased; Penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 6 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
3 Month CD
$500
3.15%
▲ 1.02% above Michigan avg
▼
Rate3.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 1.02% above avgNationally 2.09%
Details
Dividend Rate (Interest) 3.11%; APY 3.15%
Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 6 times
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
6000 28th St NE, Grand Rapids, MI 49546
Share Certificate 3 Months
$500
3.00%
▲ 0.87% above Michigan avg
▼
Rate2.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 0.87% above avgNationally 2.09%
Details
Dividend rate for $500 and up
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
4635 44th St SE, Grand Rapids, MI 49512
Share Certificate - 90 Day
$1,000
2.52%
▲ 0.39% above Michigan avg
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 0.39% above avgNationally 2.09%
Details
Rate History
No change since Oct 13, 2026 · 2.52% APY
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
90 Day Certificate of Deposit
$2,500
2.17%
▲ 0.04% above Michigan avg
▼
Rate2.15%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.13%▲ 0.04% above avgNationally 2.09%
Details
Balance: $100,000+
Rate History
No change since Sep 19, 2026 · 2.17% APY · checked 8 times
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
310 Leonard St Nw, Grand Rapids, MI 49504
Certificate of Deposit - 3 Month
$500
2.01%
▼ 0.12% below Michigan avg
▼
Rate1.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.13%▼ 0.12% below avgNationally 2.09%
Details
Rate History
No change since Sep 24, 2026 · 2.01% APY · checked 4 times
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
90 Day Certificate of Deposit
$2,500
1.97%
▼ 0.16% below Michigan avg
▼
Rate1.95%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.13%▼ 0.16% below avgNationally 2.09%
Details
Balance: $50,000 - $99,999
Rate History
No change since Sep 27, 2026 · 1.97% APY · checked 6 times
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
90 Day Certificate of Deposit
$2,500
1.76%
▼ 0.37% below Michigan avg
▼
Rate1.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.13%▼ 0.37% below avgNationally 2.09%
Details
Balance: $0 - $49,999
Rate History
No change since Sep 27, 2026 · 1.76% APY · checked 6 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
3 Month Certificate
$0
1.50%
▼ 0.63% below Michigan avg
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.13%▼ 0.63% below avgNationally 2.09%
Details
Effective Date: October 01, 2026
Rate History
1 change since Sep 12, 2026 · 1.25% → 1.50% ▲ 0.25 pts · high 1.50% / low 1.25%
- Oct 12, 20261.50%▲ from 1.25%
- Sep 12, 20261.25%first recorded
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
Share and IRA Certificates - 3 Months
$0
1.50%
▼ 0.63% below Michigan avg
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.13%▼ 0.63% below avgNationally 2.09%
Details
APY with Bonus Rate: 1.60%
Rate History
No change since Oct 12, 2026 · 1.50% APY
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1319 Front Ave NW, Grand Rapids, MI 49504
3 Month CD
$500
0.55%
▼ 1.58% below Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▼ 1.58% below avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 0.55% APY · checked 6 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
171 Monroe Ave Nw, Grand Rapids, MI 49503
3 Month Certificate of Deposit
$0
0.03%
▼ 2.10% below Michigan avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.13%▼ 2.10% below avgNationally 2.09%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
171 Monroe Ave Nw, Grand Rapids, MI 49503
3 Month Certificate of Deposit
$0
0.02%
▼ 2.11% below Michigan avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.13%▼ 2.11% below avgNationally 2.09%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
171 Monroe Ave Nw, Grand Rapids, MI 49503
3 Month Certificate of Deposit
$0
0.01%
▼ 2.12% below Michigan avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.13%▼ 2.12% below avgNationally 2.09%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Simple CD - 3 Months
$500
4.35%
▲ 2.22% above Michigan avg
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.13%▲ 2.22% above avgNationally 2.09%
Details
Starting minimum deposit $500; not eligible for Member Saver Reward
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
- Sep 22, 20264.35%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
Jumbo CD 3 Months
$3,000,000
4.32%
▲ 2.19% above Michigan avg
▼
Rate4.25%
Min Deposit$3,000,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.13%▲ 2.19% above avgNationally 2.09%
Details
Max: $6,000,000
Rate History
No change since Sep 21, 2026 · 4.32% APY · checked 4 times
First State Bank (MI)
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
90 Day Jumbo CDs
$0
4.10%
▲ 1.97% above Michigan avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.13%▲ 1.97% above avgNationally 2.09%
Details
Municipal Accounts; Simple interest paid at maturity
Rate History
No change since Sep 19, 2026 · 4.10% APY · checked 5 times
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
3-Month HYRC Certificate
$0
4.10%
▲ 1.97% above Michigan avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.13%▲ 1.97% above avgNationally 2.09%
Details
High-Yield Rewards Checking Account required
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Sep 27, 20264.10%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
Jumbo CD 3 Months
$500,000
4.06%
▲ 1.93% above Michigan avg
▼
Rate4.00%
Min Deposit$500,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.13%▲ 1.93% above avgNationally 2.09%
Details
Max: $6,000,000
Rate History
No change since Sep 21, 2026 · 4.06% APY · checked 4 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3-Month Share Certificate
$0
4.00%
▲ 1.87% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.13%▲ 1.87% above avgNationally 2.09%
Details
Promotional yield; APY calculated on 3.93% base rate; new certificates only; membership eligibility required; no additional deposits
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 4 times
West Shore Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
3 Month CD Specials
$500
3.90%
▲ 1.77% above Michigan avg
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Michigan Average2.13%▲ 1.77% above avgNationally 2.09%
Details
Rate History
No change since Sep 11, 2026 · 3.90% APY · checked 7 times
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
3-Month Certificate
$0
3.85%
▲ 1.72% above Michigan avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.13%▲ 1.72% above avgNationally 2.09%
Details
Rate History
1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Sep 27, 20263.85%▲ from 3.75%
- Sep 18, 20263.75%first recorded
St Francis X Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
3 Month CD & IRA CD
$0
3.60%
▲ 1.47% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.13%▲ 1.47% above avgNationally 2.09%
Details
Second Tier APY; Balance: $100,000+; Early withdrawals subject to penalties
Rate History
No change since Sep 12, 2026 · 3.60% APY · checked 5 times
Highpoint Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
CD 90 Day (3 Month)
$500
3.55%
▲ 1.42% above Michigan avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.13%▲ 1.42% above avgNationally 2.09%
Details
Rates as of October 14, 2026; Penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.55% APY
St Francis X Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
3 Month CD & IRA CD
$0
3.50%
▲ 1.37% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.13%▲ 1.37% above avgNationally 2.09%
Details
First Tier APY; Early withdrawals subject to penalties
Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3 Month Jumbo Term Share Certificates
$0
3.40%
▲ 1.27% above Michigan avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.13%▲ 1.27% above avgNationally 2.09%
Details
Subject to penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3 Month Term Share Certificates
$0
3.40%
▲ 1.27% above Michigan avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.13%▲ 1.27% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 6 times
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
90 Day Certificate
$500
3.29%
▲ 1.16% above Michigan avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.13%▲ 1.16% above avgNationally 2.09%
Details
Interest period compounded & credited: Quarterly
Rate History
No change since Sep 18, 2026 · 3.29% APY · checked 7 times
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
90 Day Youth
$100
3.29%
▲ 1.16% above Michigan avg
▼
Rate3.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.13%▲ 1.16% above avgNationally 2.09%
Details
Interest period compounded & credited: Quarterly
Rate History
No change since Sep 18, 2026 · 3.29% APY · checked 7 times
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
3 Month Certificate
$500
3.25%
▲ 1.12% above Michigan avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.13%▲ 1.12% above avgNationally 2.09%
Details
Rate History
1 change since Sep 14, 2026 · 2.89% → 3.25% ▲ 0.36 pts · high 3.25% / low 2.89%
- Oct 9, 20263.25%▲ from 2.89%
- Sep 14, 20262.89%first recorded
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3 Month AMP Term Share Certificates
$0
3.25%
▲ 1.12% above Michigan avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.13%▲ 1.12% above avgNationally 2.09%
Details
Subject to penalty for early withdrawal
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
Bank of Ann Arbor
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
3 Month Retail CD
$1,000
3.15%
▲ 1.02% above Michigan avg
▼
Rate3.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.13%▲ 1.02% above avgNationally 2.09%
Details
Deposits of $1,000 to $99,999; Interest Rate and APY shown with Autopay Discount; penalty may be imposed for early withdrawal; Rates effective as of 10/12/2026 - 10/18/2026
Rate History
1 change since Sep 18, 2026 · 3.25% → 3.15% ▼ 0.10 pts · high 3.25% / low 3.15%
- Oct 14, 20263.15%▼ from 3.25%
- Sep 18, 20263.25%first recorded
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
HSA IRA Certificate - 3 Month
$0
3.10%
▲ 0.97% above Michigan avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.13%▲ 0.97% above avgNationally 2.09%
Details
IRA Certificates; Rates accurate as of 06/29/26; Term Share, Youth, IRA, & HSA Certificates
Rate History
No change since Oct 10, 2026 · 3.10% APY · checked 2 times
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
HSA Regular Term Share Certificate - 3 Month
$50
3.10%
▲ 0.97% above Michigan avg
▼
Rate3.06%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.13%▲ 0.97% above avgNationally 2.09%
Details
Regular Term Share Certificates; Rates accurate as of 06/29/26; Term Share, Youth, IRA, & HSA Certificates
Rate History
No change since Oct 10, 2026 · 3.10% APY · checked 2 times
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
3 Month Relationship CD
$2,500
3.05%
▲ 0.92% above Michigan avg
▼
Rate3.02%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.13%▲ 0.92% above avgNationally 2.09%
Details
Minimum $2500 to open; Relationship is defined as Direct Deposit Checking
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 8 times
West Shore Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
3 Month Certificate
$500
3.00%
▲ 0.87% above Michigan avg
▼
Rate2.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Michigan Average2.13%▲ 0.87% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
Grand Rapids 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
Rising Rate Certificate of Deposit - Third 6-month Term
$10,000
4.75%
▲ 1.88% above Michigan avg
▼
Rate4.65%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.87%▲ 1.88% above avgNationally 2.77%
Details
Interest is compounded monthly; 10-day option to withdraw at the end of each six-month term; penalty for early withdrawals applies at other times; no brokered deposits
Rate History
No change since Oct 7, 2026 · 4.75% APY · checked 4 times
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
Rising Rate Certificate of Deposit - Second 6-month Term
$10,000
4.50%
▲ 1.63% above Michigan avg
▼
Rate4.41%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.87%▲ 1.63% above avgNationally 2.77%
Details
Interest is compounded monthly; 10-day option to withdraw at the end of each six-month term; penalty for early withdrawals applies at other times; no brokered deposits
Rate History
No change since Oct 7, 2026 · 4.50% APY · checked 4 times
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
Rising Rate Certificate of Deposit - First 6-month Term
$10,000
4.25%
▲ 1.38% above Michigan avg
▼
Rate4.17%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.87%▲ 1.38% above avgNationally 2.77%
Details
Interest is compounded monthly; 10-day option to withdraw at the end of each six-month term; penalty for early withdrawals applies at other times; no brokered deposits
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 4 times
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
IRA Certificate of Deposit - 6 Months
$0
4.10%
▲ 1.23% above Michigan avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 1.23% above avgNationally 2.77%
Details
Dividend Rate 4.03%; APY includes .25% bonus for Meijer Team members, Meijer retirees and current MCU members (effective 10/1/26)
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 2 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
1969 44th St Se, Grand Rapids, MI 49508
6-Month Business CD
$2,500
4.10%
▲ 1.23% above Michigan avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.87%▲ 1.23% above avgNationally 2.77%
Details
APY accurate as of 10/13/2026; Maximum deposit $10 million; Limited-time offer
Rate History
No change since Oct 14, 2026 · 4.10% APY
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
1969 44th St Se, Grand Rapids, MI 49508
6-Month CD
$2,500
4.10%
▲ 1.23% above Michigan avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.87%▲ 1.23% above avgNationally 2.77%
Details
Short-Term Growth; Annual Percentage Yield accurate as of 10/13/2026; Limited-time offer
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
- Oct 10, 20264.10%▲ from 3.70%
- Sep 14, 20263.70%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
6 Month Certificate of Deposit
$0
4.00%
▲ 1.13% above Michigan avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.87%▲ 1.13% above avgNationally 2.77%
Details
Minimum balance $1,000 to obtain the APY; APY assumes principal and interest remain on deposit until maturity; early withdrawal penalty may apply
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
- Sep 24, 20264.00%▲ from 3.85%
- Sep 18, 20263.85%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
Time Certificate of Deposit - 6 Month
$0
4.00%
▲ 1.13% above Michigan avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.87%▲ 1.13% above avgNationally 2.77%
Details
East Lansing Rates
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6000 28th St SE, Grand Rapids, MI 49546 6927
6 month Share Certificate
$2,500
4.00%
▲ 1.13% above Michigan avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.87%▲ 1.13% above avgNationally 2.77%
Details
Maximum balance: $250,000.00; Interest must be transferred to share account
Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 4 times
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
641 44th St SE, Grand Rapids, MI 49548 7525
6 month Business Share Certificates
$0
4.00%
▲ 1.13% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 1.13% above avgNationally 2.77%
Details
Balance: $1,000 to $24,999
Rate History
No change since Oct 13, 2026 · 4.00% APY
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
641 44th St SE, Grand Rapids, MI 49548 7525
6 month Share Certificates
$1,000
4.00%
▲ 1.13% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 1.13% above avgNationally 2.77%
Details
Balance: $1,000 to $24,999
Rate History
No change since Oct 13, 2026 · 4.00% APY
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
150 Ann St NW, Grand Rapids, MI 49505 6244
6 Month Certificates of Deposit
$500
4.00%
▲ 1.13% above Michigan avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 1.13% above avgNationally 2.77%
Details
0.10% APY bonus earned if you also have a M1 Premier Checking Account; for members under 18 the required minimum balance on all CDs is $100.00; a penalty may be assessed for early withdrawals
Rate History
No change since Oct 13, 2026 · 4.00% APY
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
150 Ann St NW, Grand Rapids, MI 49505 6244
Certificate of Deposit - 6 Months
$500
4.00%
▲ 1.13% above Michigan avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 1.13% above avgNationally 2.77%
Details
Members under 18: minimum balance $100.00; 0.10% APY bonus if also holding M1 Premier Checking; early withdrawal penalty may apply
Rate History
No change since Oct 13, 2026 · 4.00% APY
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
310 Leonard St Nw, Grand Rapids, MI 49504
Certificate of Deposit - 6 Month
$500
3.95%
▲ 1.08% above Michigan avg
▼
Rate3.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.87%▲ 1.08% above avgNationally 2.77%
Details
Rate History
1 change since Sep 24, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
- Oct 2, 20263.95%▲ from 3.70%
- Sep 24, 20263.70%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
86 Monroe Center St NW, Grand Rapids, MI 49503
6-Month Certificate or IRA-HSA Jumbo
$0
3.95%
▲ 1.08% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 1.08% above avgNationally 2.77%
Details
Jumbo; Valid Thru 10/18/2026
Rate History
1 change since Sep 18, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
- Sep 25, 20263.95%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
6 Month Certificate of Deposit
$0
3.90%
▲ 1.03% above Michigan avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 1.03% above avgNationally 2.77%
Details
APY includes .25% bonus for Meijer Team members, Meijer retirees and current MCU members
Rate History
1 change since Sep 14, 2026 · 4.10% → 3.90% ▼ 0.20 pts · high 4.10% / low 3.90%
- Oct 9, 20263.90%▼ from 4.10%
- Sep 14, 20264.10%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
86 Monroe Center St NW, Grand Rapids, MI 49503
6-Month Certificate or IRA-HSA
$0
3.80%
▲ 0.93% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 0.93% above avgNationally 2.77%
Details
Valid Thru 10/18/2026
Rate History
1 change since Sep 18, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
- Sep 25, 20263.80%▲ from 3.55%
- Sep 18, 20263.55%first recorded
AAC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
904 Broadway Ave NW, Grand Rapids, MI 49504 4415
Certificates of Deposit - 6 Month
$0
3.80%
▲ 0.93% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 0.93% above avgNationally 2.77%
Details
Rates also apply to IRA and HSA Certificates of Deposit
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 2 times
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1319 Front Ave NW, Grand Rapids, MI 49504
6 Month CD Special
$500
3.75%
▲ 0.88% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 0.88% above avgNationally 2.77%
Details
Limited time offer; corresponding 3.69% APR; Penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.69% → 3.75% ▲ 0.06 pts · high 3.75% / low 3.69%
- Oct 9, 20263.75%▲ from 3.69%
- Sep 14, 20263.69%first recorded
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
630 32nd St SE, Grand Rapids, MI 49548 2306
6 month CD
$500
3.60%
▲ 0.73% above Michigan avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.87%▲ 0.73% above avgNationally 2.77%
Details
Rate History
1 change since Sep 18, 2026 · 3.45% → 3.60% ▲ 0.15 pts · high 3.60% / low 3.45%
- Oct 9, 20263.60%▲ from 3.45%
- Sep 18, 20263.45%first recorded
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
630 32nd St SE, Grand Rapids, MI 49548 2306
6-Month CD
$500
3.60%
▲ 0.73% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.87%▲ 0.73% above avgNationally 2.77%
Details
Early withdrawal penalty on 6-month certificate is 90-days loss of interest.
Rate History
1 change since Sep 18, 2026 · 3.45% → 3.60% ▲ 0.15 pts · high 3.60% / low 3.45%
- Oct 9, 20263.60%▲ from 3.45%
- Sep 18, 20263.45%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
6 Month IRA/HSA CD - VIP Bonus
$500
3.55%
▲ 0.68% above Michigan avg
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 0.68% above avgNationally 2.77%
Details
VIP Bonus Rate; includes 0.25% VIP Relationship Reward Bonus
Rate History
No change since Oct 13, 2026 · 3.55% APY
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
6000 28th St NE, Grand Rapids, MI 49546
Share Certificate 6 Months
$500
3.50%
▲ 0.63% above Michigan avg
▼
Rate3.46%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 0.63% above avgNationally 2.77%
Details
Dividend rate for $500 and up
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
6000 28th St SE, Grand Rapids, MI 49546
6 Months (Youth) Certificate of Deposit
$0
3.50%
▲ 0.63% above Michigan avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.87%▲ 0.63% above avgNationally 2.77%
Details
Youth Account
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
6 Month CD - VIP Bonus
$500
3.40%
▲ 0.53% above Michigan avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 0.53% above avgNationally 2.77%
Details
VIP Relationship Reward Bonus; VIP Bonus Rate 3.35%; VIP Bonus APY 3.40%
Rate History
No change since Oct 13, 2026 · 3.40% APY
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
6 Month IRA/HSA CD
$500
3.30%
▲ 0.43% above Michigan avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 0.43% above avgNationally 2.77%
Details
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 6 times
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1619 Plainfield AVE NE, Grand Rapids, MI 49505 4703
Term Share Certificate - 6 Months
$500
3.15%
▲ 0.28% above Michigan avg
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 0.28% above avgNationally 2.77%
Details
Rates effective 10/1/2026; Rates are based on the term selected and on where purchased; Penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 6 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
6 Month CD
$500
3.15%
▲ 0.28% above Michigan avg
▼
Rate3.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 0.28% above avgNationally 2.77%
Details
Dividend Rate (Interest) 3.11%; APY 3.15%
Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 6 times
Northpointe Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
3333 Deposit Dr Ne, Grand Rapids, MI 49546
6 Month Certificate of Deposit
$1,000
3.00%
▲ 0.13% above Michigan avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.87%▲ 0.13% above avgNationally 2.77%
Details
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
6 Month IRA CD
$0
2.58%
▼ 0.29% below Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▼ 0.29% below avgNationally 2.77%
Details
$10,000 or more
Rate History
No change since Oct 13, 2026 · 2.58% APY
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
6 Month Regular CD
$0
2.48%
▼ 0.39% below Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▼ 0.39% below avgNationally 2.77%
Details
$10,000 or more
Rate History
No change since Oct 13, 2026 · 2.48% APY
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
6 Month IRA CD
$0
2.47%
▼ 0.40% below Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▼ 0.40% below avgNationally 2.77%
Details
Rate History
No change since Oct 13, 2026 · 2.47% APY
Independent Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
4200 E Beltline Ave Ne, Grand Rapids, MI 49525
6-Month CD
$0
2.43%
▼ 0.44% below Michigan avg
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.87%▼ 0.44% below avgNationally 2.77%
Details
Interest Tier: $500 minimum; Effective October 14, 2026
Rate History
3 changes since Sep 18, 2026 · 2.17% → 2.43% ▲ 0.26 pts · high 2.43% / low 2.17%
- Oct 14, 20262.43%▲ from 2.38%
- Oct 2, 20262.38%▲ from 2.27%
- Sep 24, 20262.27%▲ from 2.17%
- Sep 18, 20262.17%first recorded
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
6 Month Certificate of Deposit
$2,500
2.43%
▼ 0.44% below Michigan avg
▼
Rate2.40%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.87%▼ 0.44% below avgNationally 2.77%
Details
Balance: $100,000+
Rate History
No change since Sep 19, 2026 · 2.43% APY · checked 8 times
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
6 Month Regular CD
$0
2.38%
▼ 0.49% below Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▼ 0.49% below avgNationally 2.77%
Details
Rate History
No change since Oct 13, 2026 · 2.38% APY
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
6 Month Certificate of Deposit
$2,500
2.22%
▼ 0.65% below Michigan avg
▼
Rate2.20%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.87%▼ 0.65% below avgNationally 2.77%
Details
Balance: $50,000 - $99,999
Rate History
No change since Sep 27, 2026 · 2.22% APY · checked 6 times
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
6 Month Certificate of Deposit
$2,500
2.02%
▼ 0.85% below Michigan avg
▼
Rate2.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.87%▼ 0.85% below avgNationally 2.77%
Details
Balance: $0 - $49,999
Rate History
No change since Sep 27, 2026 · 2.02% APY · checked 6 times
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
6 Month Certificate
$50,000
1.85%
▼ 1.02% below Michigan avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.87%▼ 1.02% below avgNationally 2.77%
Details
APY as high as; standard APY is 0.25% lower without 20,000 VIP Lifetime Reward Points; Membership Required
Rate History
No change since Sep 14, 2026 · 1.85% APY · checked 7 times
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
6 Month IRA Certificate
$0
1.85%
▼ 1.02% below Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.87%▼ 1.02% below avgNationally 2.77%
Details
Minimum balance tier: $50,000.00
Rate History
No change since Sep 14, 2026 · 1.85% APY · checked 6 times
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
6 Month Certificate
$500
1.75%
▼ 1.12% below Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.87%▼ 1.12% below avgNationally 2.77%
Details
APY as high as; standard APY is 0.25% lower without 20,000 VIP Lifetime Reward Points; Membership Required
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 7 times
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
6 Month IRA Certificate
$0
1.75%
▼ 1.12% below Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.87%▼ 1.12% below avgNationally 2.77%
Details
Minimum balance tier: $500.00
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 7 times
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
6000 28th St SE Ste 100, Grand Rapids, MI 49546
6 Month Certificate
$500
1.72%
▼ 1.15% below Michigan avg
▼
Rate1.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▼ 1.15% below avgNationally 2.77%
Details
Early withdrawal subject to dividend penalty
Rate History
No change since Sep 14, 2026 · 1.72% APY · checked 2 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
6 Month Certificate
$0
1.55%
▼ 1.32% below Michigan avg
▼
Rate1.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.87%▼ 1.32% below avgNationally 2.77%
Details
Effective Date: October 01, 2026
Rate History
1 change since Sep 12, 2026 · 1.50% → 1.55% ▲ 0.05 pts · high 1.55% / low 1.50%
- Oct 12, 20261.55%▲ from 1.50%
- Sep 12, 20261.50%first recorded
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
Share and IRA Certificates - 6 Months
$0
1.55%
▼ 1.32% below Michigan avg
▼
Rate1.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.87%▼ 1.32% below avgNationally 2.77%
Details
APY with Bonus Rate: 1.65%
Rate History
No change since Oct 12, 2026 · 1.55% APY
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1319 Front Ave NW, Grand Rapids, MI 49504
6 Month CD
$500
1.00%
▼ 1.87% below Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▼ 1.87% below avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 4 times
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
6000 28th St SE, GRAND RAPIDS, MI 49546
6 Month Certificate
$1,000
0.20%
▼ 2.67% below Michigan avg
▼
Rate0.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.87%▼ 2.67% below avgNationally 2.77%
Details
Minimum of $1000.00
Rate History
No change since Oct 8, 2026 · 0.20% APY · checked 2 times
Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
6770 Kalamazoo Ave SE, Grand Rapids, MI 49508 7032
6 Month CD
$1,000
0.15%
▼ 2.72% below Michigan avg
▼
Rate0.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▼ 2.72% below avgNationally 2.77%
Details
Balance: $25,000+; $1,000 minimum deposit required; Early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 5 times
Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
6770 Kalamazoo Ave SE, Grand Rapids, MI 49508 7032
6 Month CD
$1,000
0.10%
▼ 2.77% below Michigan avg
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▼ 2.77% below avgNationally 2.77%
Details
Balance: $1,000-$24,999; $1,000 minimum deposit required; Early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
171 Monroe Ave Nw, Grand Rapids, MI 49503
6 Month Certificate of Deposit
$0
0.03%
▼ 2.84% below Michigan avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.87%▼ 2.84% below avgNationally 2.77%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
171 Monroe Ave Nw, Grand Rapids, MI 49503
IRA CD - 6 Months
$250
0.03%
▼ 2.84% below Michigan avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.87%▼ 2.84% below avgNationally 2.77%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
Grand Rapids 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1619 Plainfield AVE NE, Grand Rapids, MI 49505 4703
12 Month Youth Share Certificate
$100
4.50%
▲ 1.38% above Michigan avg
▼
Rate4.41%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 1.38% above avgNationally 2.99%
Details
Condition: 12 Months - Max $500. Max $500; Youth club members 17 years old and younger; Penalty for early withdrawal; Rates effective 10/1/2026
Rate History
No change since Sep 22, 2026 · 4.50% APY · checked 3 times
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
Certificate of Deposit - 12 Month Special
$0
4.45%
▲ 1.33% above Michigan avg
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.12%▲ 1.33% above avgNationally 2.99%
Details
Minimum balance $1,000 to obtain the APY; APY assumes principal and interest remain on deposit until maturity; early withdrawal penalty may apply
Rate History
No change since Oct 14, 2026 · 4.45% APY
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
Time Certificate of Deposit - 12 Month Special
$0
4.45%
▲ 1.33% above Michigan avg
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.12%▲ 1.33% above avgNationally 2.99%
Details
East Lansing Rates; Special
Rate History
No change since Oct 14, 2026 · 4.45% APY
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
Certificate of Deposit Special - 12 Month
$10,000
4.35%
▲ 1.23% above Michigan avg
▼
Rate4.27%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.12%▲ 1.23% above avgNationally 2.99%
Details
Limited-time offer; brokered deposits not eligible; early withdrawal penalties apply
Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 4 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
1969 44th St Se, Grand Rapids, MI 49508
12 Month Business CD
$500
4.30%
▲ 1.18% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.12%▲ 1.18% above avgNationally 2.99%
Details
APY accurate as of 10/13/2026; Maximum deposit $10 million; Limited-time offer
Rate History
No change since Oct 14, 2026 · 4.30% APY
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
1969 44th St Se, Grand Rapids, MI 49508
12-Month CD
$500
4.30%
▲ 1.18% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.12%▲ 1.18% above avgNationally 2.99%
Details
Top Rate; Annual Percentage Yield accurate as of 10/13/2026; Not available for public units or Business CDs; Limited-time offer
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 10, 20264.30%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
12 Month Certificate of Deposit
$0
4.10%
▲ 0.98% above Michigan avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.98% above avgNationally 2.99%
Details
APY includes .25% bonus for Meijer Team members, Meijer retirees and current MCU members
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90%
- Oct 9, 20264.10%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
86 Monroe Center St NW, Grand Rapids, MI 49503
1-Year Add-On Certificate or IRA-HSA Jumbo
$0
4.05%
▲ 0.93% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.93% above avgNationally 2.99%
Details
Add-On; Jumbo; Valid Thru 10/18/2026
Rate History
1 change since Sep 18, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
- Sep 25, 20264.05%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
630 32nd St SE, Grand Rapids, MI 49548 2306
Save to Win CD 12 month
$25
4.00%
▲ 0.88% above Michigan avg
▼
Rate4.00%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.12%▲ 0.88% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 9, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
670 Cascade West Pkwy Se, Grand Rapids, MI 49546
12 Month Business Certificate of Deposit (CD)
$500
3.96%
▲ 0.84% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.12%▲ 0.84% above avgNationally 2.99%
Details
Rate History
No change since Sep 19, 2026 · 3.96% APY · checked 6 times
Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
670 Cascade West Pkwy Se, Grand Rapids, MI 49546
12 Month CD
$500
3.96%
▲ 0.84% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.12%▲ 0.84% above avgNationally 2.99%
Details
Certificate of deposit; $500.00 minimum opening deposit; APY as of 9/29/2026
Rate History
No change since Sep 11, 2026 · 3.96% APY · checked 9 times
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
86 Monroe Center St NW, Grand Rapids, MI 49503
1-Year Add-On Certificate or IRA-HSA
$0
3.90%
▲ 0.78% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.78% above avgNationally 2.99%
Details
Add-On; Valid Thru 10/18/2026
Rate History
1 change since Sep 18, 2026 · 3.60% → 3.90% ▲ 0.30 pts · high 3.90% / low 3.60%
- Sep 25, 20263.90%▲ from 3.60%
- Sep 18, 20263.60%first recorded
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
IRA Certificate of Deposit - 12 Months
$0
3.90%
▲ 0.78% above Michigan avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.78% above avgNationally 2.99%
Details
Dividend Rate 3.84%; APY includes .25% bonus for Meijer Team members, Meijer retirees and current MCU members (effective 10/1/26)
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 2 times
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
310 Leonard St Nw, Grand Rapids, MI 49504
Certificate of Deposit - 12 Month
$500
3.85%
▲ 0.73% above Michigan avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.12%▲ 0.73% above avgNationally 2.99%
Details
Rate History
1 change since Sep 24, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60%
- Oct 2, 20263.85%▲ from 3.60%
- Sep 24, 20263.60%first recorded
United Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
900 East Paris Ave Se, Grand Rapids, MI 49546
CD Special - 12 Month Term
$500
3.75%
▲ 0.63% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.12%▲ 0.63% above avgNationally 2.99%
Details
Promotional CD special; APY effective 09/01/2026; $500 minimum opening deposit, up to a maximum of $500,000; Not valid with any other offers; Promotion may end at any time; Penalty for early withdrawal; Open at your local branch
Rate History
No change since Oct 14, 2026 · 3.75% APY
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
6000 28th St NE, Grand Rapids, MI 49546
Share Certificate 1 Year
$500
3.75%
▲ 0.63% above Michigan avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.63% above avgNationally 2.99%
Details
Dividend rate for $500 and up
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
630 32nd St SE, Grand Rapids, MI 49548 2306
12 Month Roth Save to Win IRA CD
$25
3.75%
▲ 0.63% above Michigan avg
▼
RateN/A
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.12%▲ 0.63% above avgNationally 2.99%
Details
Our prize-linked savings account; 12-month term. Early Withdrawal Penalty: $25. Potential Tax Benefits: No. Allows Deposits After Opening: Yes. Chances to Win Cash Prices: Yes.; Save for retirement with a ROTH or traditional IRA CD
Rate History
No change since Oct 9, 2026 · 3.75% APY
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
150 Ann St NW, Grand Rapids, MI 49505 6244
12 Month Certificates of Deposit
$500
3.75%
▲ 0.63% above Michigan avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.63% above avgNationally 2.99%
Details
0.10% APY bonus earned if you also have a M1 Premier Checking Account; for members under 18 the required minimum balance on all CDs is $100.00; a penalty may be assessed for early withdrawals
Rate History
No change since Oct 13, 2026 · 3.75% APY
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
150 Ann St NW, Grand Rapids, MI 49505 6244
Certificate of Deposit - 12 Months
$500
3.75%
▲ 0.63% above Michigan avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.63% above avgNationally 2.99%
Details
Members under 18: minimum balance $100.00; 0.10% APY bonus if also holding M1 Premier Checking; early withdrawal penalty may apply
Rate History
No change since Oct 13, 2026 · 3.75% APY
AAC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
904 Broadway Ave NW, Grand Rapids, MI 49504 4415
Certificates of Deposit - 12 Month
$0
3.70%
▲ 0.58% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.58% above avgNationally 2.99%
Details
Rates also apply to IRA and HSA Certificates of Deposit
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 2 times
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
630 32nd St SE, Grand Rapids, MI 49548 2306
12 month CD
$500
3.65%
▲ 0.53% above Michigan avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.12%▲ 0.53% above avgNationally 2.99%
Details
Rate History
1 change since Sep 18, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
- Oct 9, 20263.65%▲ from 3.50%
- Sep 18, 20263.50%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
12 Month IRA/HSA CD - VIP Bonus
$500
3.60%
▲ 0.48% above Michigan avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.48% above avgNationally 2.99%
Details
VIP Bonus Rate; includes 0.25% VIP Relationship Reward Bonus
Rate History
No change since Oct 13, 2026 · 3.60% APY
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1619 Plainfield AVE NE, Grand Rapids, MI 49505 4703
12 Month Youth Share Certificate
$100
3.55%
▲ 0.43% above Michigan avg
▼
Rate3.49%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.43% above avgNationally 2.99%
Details
Youth club members 17 years old and younger; Penalty for early withdrawal; Rates effective 10/1/2026
Rate History
1 change since Sep 14, 2026 · 3.20% → 3.55% ▲ 0.35 pts · high 3.55% / low 3.20%
- Sep 18, 20263.55%▲ from 3.20%
- Sep 14, 20263.20%first recorded
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
641 44th St SE, Grand Rapids, MI 49548 7525
1 Year Business Share Certificates
$0
3.50%
▲ 0.38% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.38% above avgNationally 2.99%
Details
Balance: $1,000 to $24,999; Tier 1; Dividends are paid from current income and available earnings; APY based on $1,000 or minimum balance requirements, whichever is higher
Rate History
No change since Oct 13, 2026 · 3.50% APY
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
641 44th St SE, Grand Rapids, MI 49548 7525
1 Year Share Certificates
$1,000
3.50%
▲ 0.38% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.38% above avgNationally 2.99%
Details
Balance: $1,000 - $24,999; Tiered rate based on Certificate balance
Rate History
No change since Oct 13, 2026 · 3.50% APY
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1319 Front Ave NW, Grand Rapids, MI 49504
12 Month CD Special
$500
3.50%
▲ 0.38% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.38% above avgNationally 2.99%
Details
Limited time offer; corresponding 3.44% APR; Penalty may be imposed for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
12 Month CD - VIP Bonus
$500
3.45%
▲ 0.33% above Michigan avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.33% above avgNationally 2.99%
Details
VIP Relationship Reward Bonus; VIP Bonus Rate 3.40%; VIP Bonus APY 3.45%
Rate History
No change since Oct 13, 2026 · 3.45% APY
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
12 Month IRA/HSA CD
$500
3.35%
▲ 0.23% above Michigan avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.23% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 6 times
Priority Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 24.06%
6000 28th St SE Ste 100, Grand Rapids, MI 49546 6927
12 Month CD
$500
3.35%
▲ 0.23% above Michigan avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.23% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.35% ▼ 0.00 pts · high 3.35% / low 3.35%
- Sep 22, 20263.35%▼ from 3.35%
- Sep 14, 20263.35%first recorded
Priority Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 24.06%
6000 28th St SE Ste 100, Grand Rapids, MI 49546 6927
IRA 12 Month CD
$500
3.35%
▲ 0.23% above Michigan avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.23% above avgNationally 2.99%
Details
Individual Retirement Account (IRA) CD Rates and Minimum Deposits
Rate History
No change since Oct 13, 2026 · 3.35% APY
Northpointe Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
3333 Deposit Dr Ne, Grand Rapids, MI 49546
12 Month Certificate of Deposit
$1,000
3.25%
▲ 0.13% above Michigan avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.12%▲ 0.13% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
6000 28th St SE, Grand Rapids, MI 49546
1 Year Certificate of Deposit
$0
3.25%
▲ 0.13% above Michigan avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.12%▲ 0.13% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1619 Plainfield AVE NE, Grand Rapids, MI 49505 4703
Term Share Certificate - 12 Months
$500
3.20%
▲ 0.08% above Michigan avg
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.08% above avgNationally 2.99%
Details
Rates effective 10/1/2026; Rates are based on the term selected and on where purchased; Penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 6 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
12 Month CD
$500
3.20%
▲ 0.08% above Michigan avg
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.08% above avgNationally 2.99%
Details
Dividend Rate (Interest) 3.15%; APY 3.20%
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 6 times
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
4635 44th St SE, Grand Rapids, MI 49512
Share Certificate - 12 Month
$500
3.19%
▲ 0.07% above Michigan avg
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.07% above avgNationally 2.99%
Details
Rate History
No change since Oct 13, 2026 · 3.19% APY
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
1 Year Certificate of Deposit
$2,500
2.94%
▼ 0.18% below Michigan avg
▼
Rate2.90%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.12%▼ 0.18% below avgNationally 2.99%
Details
Balance: $100,000+
Rate History
No change since Sep 19, 2026 · 2.94% APY · checked 8 times
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
12 Month IRA CD
$0
2.78%
▼ 0.34% below Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▼ 0.34% below avgNationally 2.99%
Details
$10,000 or more
Rate History
No change since Oct 13, 2026 · 2.78% APY
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
1 Year Certificate of Deposit
$2,500
2.73%
▼ 0.39% below Michigan avg
▼
Rate2.70%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.12%▼ 0.39% below avgNationally 2.99%
Details
Balance: $50,000 - $99,999
Rate History
No change since Sep 27, 2026 · 2.73% APY · checked 6 times
Independent Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
4200 E Beltline Ave Ne, Grand Rapids, MI 49525
12-Month CD
$0
2.68%
▼ 0.44% below Michigan avg
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.12%▼ 0.44% below avgNationally 2.99%
Details
Interest Tier: $500 minimum; Effective October 14, 2026
Rate History
3 changes since Sep 18, 2026 · 2.32% → 2.68% ▲ 0.36 pts · high 2.68% / low 2.32%
- Oct 14, 20262.68%▲ from 2.58%
- Oct 2, 20262.58%▲ from 2.43%
- Sep 24, 20262.43%▲ from 2.32%
- Sep 18, 20262.32%first recorded
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
12 Month IRA CD
$0
2.68%
▼ 0.44% below Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▼ 0.44% below avgNationally 2.99%
Details
Rate History
No change since Oct 13, 2026 · 2.68% APY
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
12 Month Regular CD
$0
2.68%
▼ 0.44% below Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▼ 0.44% below avgNationally 2.99%
Details
$10,000 or more
Rate History
No change since Oct 13, 2026 · 2.68% APY
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
12 Month Regular CD
$0
2.58%
▼ 0.54% below Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▼ 0.54% below avgNationally 2.99%
Details
Rate History
No change since Oct 13, 2026 · 2.58% APY
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
1 Year Certificate of Deposit
$2,500
2.53%
▼ 0.59% below Michigan avg
▼
Rate2.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.12%▼ 0.59% below avgNationally 2.99%
Details
Balance: $0 - $49,999
Rate History
No change since Sep 27, 2026 · 2.53% APY · checked 6 times
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
1 Year Certificate
$50,000
2.10%
▼ 1.02% below Michigan avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.12%▼ 1.02% below avgNationally 2.99%
Details
APY as high as; standard APY is 0.25% lower without 20,000 VIP Lifetime Reward Points; Membership Required
Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 7 times
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
1 Year IRA Certificate
$0
2.10%
▼ 1.02% below Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.12%▼ 1.02% below avgNationally 2.99%
Details
Minimum balance tier: $50,000.00
Rate History
2 changes since Sep 14, 2026 · 2.10% → 2.10% ▼ 0.00 pts · high 2.10% / low 1.85%
- Oct 10, 20262.10%▲ from 1.85%
- Oct 1, 20261.85%▼ from 2.10%
- Sep 14, 20262.10%first recorded
1166 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
2900 Charlevoix Dr, Grand Rapids, MI 49546
Certificates of Deposit - 12 Months
$0
2.00%
▼ 1.12% below Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.12%▼ 1.12% below avgNationally 2.99%
Details
Rate History
No change since Oct 8, 2026 · 2.00% APY · checked 2 times
1166 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
2900 Charlevoix Dr, Grand Rapids, MI 49546
Time Deposit Account - 12 Months
$250
2.00%
▼ 1.12% below Michigan avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.12%▼ 1.12% below avgNationally 2.99%
Details
Rate History
No change since Sep 25, 2026 · 2.00% APY · checked 4 times
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
1 Year Certificate
$500
2.00%
▼ 1.12% below Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.12%▼ 1.12% below avgNationally 2.99%
Details
APY as high as; standard APY is 0.25% lower without 20,000 VIP Lifetime Reward Points; Membership Required
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
1 Year IRA Certificate
$0
2.00%
▼ 1.12% below Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.12%▼ 1.12% below avgNationally 2.99%
Details
Minimum balance tier: $500.00
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
6000 28th St SE Ste 100, Grand Rapids, MI 49546
1 Year Certificate
$1,000
1.91%
▼ 1.21% below Michigan avg
▼
Rate1.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▼ 1.21% below avgNationally 2.99%
Details
Early withdrawal subject to dividend penalty
Rate History
No change since Sep 14, 2026 · 1.91% APY · checked 2 times
Grand Rapids 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
18 Month Certificate of Deposit
$0
4.40%
▲ 1.30% above Michigan avg
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.10%▲ 1.30% above avgNationally 2.88%
Details
Minimum balance $1,000 to obtain the APY; APY assumes principal and interest remain on deposit until maturity; early withdrawal penalty may apply
Rate History
1 change since Sep 24, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
- Oct 14, 20264.40%▲ from 4.30%
- Sep 24, 20264.30%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
Time Certificate of Deposit - 18 Month
$0
4.40%
▲ 1.30% above Michigan avg
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.10%▲ 1.30% above avgNationally 2.88%
Details
East Lansing Rates
Rate History
1 change since Oct 7, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
- Oct 14, 20264.40%▲ from 4.30%
- Oct 7, 20264.30%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
1969 44th St Se, Grand Rapids, MI 49508
18-Month CD
$500
4.25%
▲ 1.15% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.10%▲ 1.15% above avgNationally 2.88%
Details
Balanced Growth; Annual Percentage Yield accurate as of 10/13/2026; Not available for public units or Business CDs; Limited time offer
Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 2 times
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
86 Monroe Center St NW, Grand Rapids, MI 49503
18 Month Certificate or IRA-HSA Jumbo
$0
4.15%
▲ 1.05% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 1.05% above avgNationally 2.88%
Details
Jumbo; Valid Thru 10/18/2026
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85%
- Sep 25, 20264.15%▲ from 3.85%
- Sep 18, 20263.85%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
86 Monroe Center St NW, Grand Rapids, MI 49503
18 Month Certificate or IRA-HSA
$0
4.00%
▲ 0.90% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 0.90% above avgNationally 2.88%
Details
Valid Thru 10/18/2026
Rate History
1 change since Sep 18, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
- Sep 25, 20264.00%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
630 32nd St SE, Grand Rapids, MI 49548 2306
18 month CD
$500
3.70%
▲ 0.60% above Michigan avg
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.10%▲ 0.60% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.50% → 3.70% ▲ 0.20 pts · high 3.70% / low 3.50%
- Oct 9, 20263.70%▲ from 3.50%
- Sep 18, 20263.50%first recorded
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
630 32nd St SE, Grand Rapids, MI 49548 2306
18-month CD
$500
3.70%
▲ 0.60% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.10%▲ 0.60% above avgNationally 2.88%
Details
Early withdrawal penalty on 12-month term or longer is 180-days loss of interest.
Rate History
1 change since Sep 18, 2026 · 3.50% → 3.70% ▲ 0.20 pts · high 3.70% / low 3.50%
- Oct 9, 20263.70%▲ from 3.50%
- Sep 18, 20263.50%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
18 Month IRA/HSA CD - VIP Bonus
$500
3.65%
▲ 0.55% above Michigan avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 0.55% above avgNationally 2.88%
Details
VIP Bonus Rate; includes 0.25% VIP Relationship Reward Bonus
Rate History
No change since Oct 13, 2026 · 3.65% APY
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
310 Leonard St Nw, Grand Rapids, MI 49504
Certificate of Deposit - 18 Month
$500
3.60%
▲ 0.50% above Michigan avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.10%▲ 0.50% above avgNationally 2.88%
Details
Rate History
1 change since Sep 24, 2026 · 3.34% → 3.60% ▲ 0.26 pts · high 3.60% / low 3.34%
- Oct 2, 20263.60%▲ from 3.34%
- Sep 24, 20263.34%first recorded
AAC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
904 Broadway Ave NW, Grand Rapids, MI 49504 4415
Certificates of Deposit - 18 Month
$0
3.60%
▲ 0.50% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 0.50% above avgNationally 2.88%
Details
Rates also apply to IRA and HSA Certificates of Deposit
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 2 times
Northpointe Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
3333 Deposit Dr Ne, Grand Rapids, MI 49546
18 Month Certificate of Deposit
$1,000
3.50%
▲ 0.40% above Michigan avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.10%▲ 0.40% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 7 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
18 Month CD - VIP Bonus
$500
3.50%
▲ 0.40% above Michigan avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 0.40% above avgNationally 2.88%
Details
VIP Relationship Reward Bonus; VIP Bonus Rate 3.45%; VIP Bonus APY 3.50%
Rate History
No change since Oct 13, 2026 · 3.50% APY
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
18 Month IRA/HSA CD
$500
3.40%
▲ 0.30% above Michigan avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 0.30% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 6 times
Priority Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 24.06%
6000 28th St SE Ste 100, Grand Rapids, MI 49546 6927
18 Month CD
$500
3.35%
▲ 0.25% above Michigan avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 0.25% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.35% ▼ 0.00 pts · high 3.35% / low 3.35%
- Sep 22, 20263.35%▼ from 3.35%
- Sep 14, 20263.35%first recorded
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1619 Plainfield AVE NE, Grand Rapids, MI 49505 4703
Term Share Certificate - 18 Months
$500
3.30%
▲ 0.20% above Michigan avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 0.20% above avgNationally 2.88%
Details
Rates effective 10/1/2026; Rates are based on the term selected and on where purchased; Penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
18 Month CD
$500
3.25%
▲ 0.15% above Michigan avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 0.15% above avgNationally 2.88%
Details
Dividend Rate (Interest) 3.20%; APY 3.25%
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
4635 44th St SE, Grand Rapids, MI 49512
Share Certificate - 18 Month
$500
3.24%
▲ 0.14% above Michigan avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 0.14% above avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 3.24% APY
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
18 Month Certificate of Deposit
$2,500
3.20%
▲ 0.10% above Michigan avg
▼
Rate3.15%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.10%▲ 0.10% above avgNationally 2.88%
Details
Balance: $100,000+
Rate History
No change since Sep 19, 2026 · 3.20% APY · checked 8 times
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6000 28th St SE, Grand Rapids, MI 49546 6927
18 Month Share Certificate SPECIAL
$5,000
3.00%
▼ 0.10% below Michigan avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.10%▼ 0.10% below avgNationally 2.88%
Details
Maximum balance: $250,000.00; Dividends must be transferred to share account
Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
18 Month Certificate of Deposit
$2,500
2.99%
▼ 0.11% below Michigan avg
▼
Rate2.95%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.10%▼ 0.11% below avgNationally 2.88%
Details
Balance: $50,000 - $99,999
Rate History
No change since Sep 27, 2026 · 2.99% APY · checked 6 times
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
18 Month Certificate of Deposit
$2,500
2.78%
▼ 0.32% below Michigan avg
▼
Rate2.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.10%▼ 0.32% below avgNationally 2.88%
Details
Balance: $0 - $49,999
Rate History
No change since Sep 27, 2026 · 2.78% APY · checked 6 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
18 Month Certificate
$0
1.65%
▼ 1.45% below Michigan avg
▼
Rate1.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.10%▼ 1.45% below avgNationally 2.88%
Details
Effective Date: October 01, 2026
Rate History
1 change since Sep 12, 2026 · 1.60% → 1.65% ▲ 0.05 pts · high 1.65% / low 1.60%
- Oct 12, 20261.65%▲ from 1.60%
- Sep 12, 20261.60%first recorded
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
Share and IRA Certificates - 18 Months
$0
1.65%
▼ 1.45% below Michigan avg
▼
Rate1.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.10%▼ 1.45% below avgNationally 2.88%
Details
APY with Bonus Rate: 1.75%
Rate History
No change since Oct 12, 2026 · 1.65% APY
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1319 Front Ave NW, Grand Rapids, MI 49504
18 Month CD
$500
1.26%
▼ 1.84% below Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▼ 1.84% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 6 times
Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
670 Cascade West Pkwy Se, Grand Rapids, MI 49546
18 Month Business Certificate of Deposit (CD)
$500
1.00%
▼ 2.10% below Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.10%▼ 2.10% below avgNationally 2.88%
Details
Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 6 times
Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
670 Cascade West Pkwy Se, Grand Rapids, MI 49546
Certificate of Deposit - 18 Month
$500
1.00%
▼ 2.10% below Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.10%▼ 2.10% below avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 1.00% APY
1166 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
2900 Charlevoix Dr, Grand Rapids, MI 49546
IRA Certificate of Deposit - 18 Months
$250
0.15%
▼ 2.95% below Michigan avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.10%▼ 2.95% below avgNationally 2.88%
Details
Rate History
No change since Sep 25, 2026 · 0.15% APY · checked 4 times
1166 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
2900 Charlevoix Dr, Grand Rapids, MI 49546
IRA Certificates of Deposit - 18 Months
$0
0.15%
▼ 2.95% below Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.10%▼ 2.95% below avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 0.15% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
171 Monroe Ave Nw, Grand Rapids, MI 49503
18 Month Certificate of Deposit
$0
0.03%
▼ 3.07% below Michigan avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.10%▼ 3.07% below avgNationally 2.88%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
171 Monroe Ave Nw, Grand Rapids, MI 49503
IRA CD - 18 Months
$250
0.03%
▼ 3.07% below Michigan avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.10%▼ 3.07% below avgNationally 2.88%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
171 Monroe Ave Nw, Grand Rapids, MI 49503
18 Month Certificate of Deposit
$0
0.02%
▼ 3.08% below Michigan avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.10%▼ 3.08% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
171 Monroe Ave Nw, Grand Rapids, MI 49503
IRA CD - 18 Months
$250
0.02%
▼ 3.08% below Michigan avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.10%▼ 3.08% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
171 Monroe Ave Nw, Grand Rapids, MI 49503
18 Month Certificate of Deposit
$0
0.01%
▼ 3.09% below Michigan avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.10%▼ 3.09% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
171 Monroe Ave Nw, Grand Rapids, MI 49503
IRA CD - 18 Months
$250
0.01%
▼ 3.09% below Michigan avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.10%▼ 3.09% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
18-Month Special - Military
$500
5.25%
▲ 2.15% above Michigan avg
▼
Rate5.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.10%▲ 2.15% above avgNationally 2.88%
Details
Qualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.
Rate History
No change since Oct 9, 2026 · 5.25% APY · checked 3 times
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
18 Month Certificate
$500
4.50%
▲ 1.40% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 1.40% above avgNationally 2.88%
Details
Dividends compounded and credited monthly; Rates effective as of October 13, 2026
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10%
- Sep 29, 20264.50%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Certificates of Deposit - 18 Month
$0
4.50%
▲ 1.40% above Michigan avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 1.40% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10%
- Sep 29, 20264.50%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
18 Month Certificate
$500
4.29%
▲ 1.19% above Michigan avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.10%▲ 1.19% above avgNationally 2.88%
Details
Rate History
No change since Sep 25, 2026 · 4.29% APY · checked 3 times
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
18 Month Share Certificate
$500
4.29%
▲ 1.19% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.10%▲ 1.19% above avgNationally 2.88%
Details
Only new funds eligible for promotional rate. Qualifications apply.
Rate History
No change since Oct 4, 2026 · 4.29% APY · checked 2 times
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
18 Month Relationship CD
$2,500
4.25%
▲ 1.15% above Michigan avg
▼
Rate4.18%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.10%▲ 1.15% above avgNationally 2.88%
Details
Minimum $2500 to open; Relationship is defined as Direct Deposit Checking
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
- Sep 24, 20264.25%▲ from 4.10%
- Sep 14, 20264.10%first recorded
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
18-Month Special Certificate of Deposit
$500
4.25%
▲ 1.15% above Michigan avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.10%▲ 1.15% above avgNationally 2.88%
Details
18-Month Special: At maturity, the CD will be renewed into a 24-month CD.
Rate History
No change since Oct 9, 2026 · 4.25% APY · checked 3 times
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Simple CD - 18 Months
$500
4.25%
▲ 1.15% above Michigan avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.10%▲ 1.15% above avgNationally 2.88%
Details
Starting minimum deposit $500; not eligible for Member Saver Reward
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
- Sep 22, 20264.25%▲ from 3.95%
- Sep 14, 20263.95%first recorded
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
18-month CD
$1,000
4.15%
▲ 1.05% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.10%▲ 1.05% above avgNationally 2.88%
Details
Online Only; 30-day simple interest penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Sep 24, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
18 Month Certificate of Deposit
$1,000
4.15%
▲ 1.05% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 1.05% above avgNationally 2.88%
Details
Rate History
1 change since Sep 22, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 9, 20264.15%▲ from 3.75%
- Sep 22, 20263.75%first recorded
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Certificates - 18 Months
$1,000
4.15%
▲ 1.05% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 1.05% above avgNationally 2.88%
Details
Minimum balance of $1000 required to open. Dividends are paid monthly.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 9, 20264.15%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
18 Month Certificate
$500
4.10%
▲ 1.00% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.10%▲ 1.00% above avgNationally 2.88%
Details
Rate History
No change since Sep 16, 2026 · 4.10% APY · checked 5 times
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
18 Month IRA Certificate
$0
4.10%
▲ 1.00% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.10%▲ 1.00% above avgNationally 2.88%
Details
Individual accounts only
Rate History
No change since Sep 16, 2026 · 4.10% APY · checked 4 times
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
Share Certificates - 18 Months
$1,000
4.10%
▲ 1.00% above Michigan avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.10%▲ 1.00% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 4.10% APY · checked 2 times
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
18 Month Certificate
$500
4.07%
▲ 0.97% above Michigan avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.10%▲ 0.97% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
- Oct 9, 20264.07%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
18 Month Jumbo and Jumbo IRA Certificates
$100,000
4.01%
▲ 0.91% above Michigan avg
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.10%▲ 0.91% above avgNationally 2.88%
Details
Balance: $100,000 and Above; $100,000 is the minimum balance required to open account and earn APY; Penalty for early withdrawal
Rate History
No change since Sep 18, 2026 · 4.01% APY · checked 5 times
Grand Rapids 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
24 Month Certificate of Deposit
$0
4.40%
▲ 1.43% above Michigan avg
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.97%▲ 1.43% above avgNationally 2.88%
Details
Minimum balance $1,000 to obtain the APY; APY assumes principal and interest remain on deposit until maturity; early withdrawal penalty may apply
Rate History
2 changes since Sep 18, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00%
- Oct 14, 20264.40%▲ from 4.30%
- Sep 24, 20264.30%▲ from 4.00%
- Sep 18, 20264.00%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
Time Certificate of Deposit - 24 Month
$0
4.40%
▲ 1.43% above Michigan avg
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.97%▲ 1.43% above avgNationally 2.88%
Details
East Lansing Rates
Rate History
1 change since Oct 7, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
- Oct 14, 20264.40%▲ from 4.30%
- Oct 7, 20264.30%first recorded
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
641 44th St SE, Grand Rapids, MI 49548 7525
2 Year Business Share Certificates
$0
4.40%
▲ 1.43% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 1.43% above avgNationally 2.88%
Details
Balance: $1,000 to $24,999
Rate History
No change since Oct 13, 2026 · 4.40% APY
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
641 44th St SE, Grand Rapids, MI 49548 7525
2 Year Share Certificates
$1,000
4.40%
▲ 1.43% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 1.43% above avgNationally 2.88%
Details
Balance: $1,000 to $24,999; Tier 1
Rate History
No change since Oct 13, 2026 · 4.40% APY
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
86 Monroe Center St NW, Grand Rapids, MI 49503
2-Year Certificate or IRA-HSA Jumbo
$0
4.30%
▲ 1.33% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 1.33% above avgNationally 2.88%
Details
Jumbo; Valid Thru 10/18/2026
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
- Sep 25, 20264.30%▲ from 4.15%
- Sep 18, 20264.15%first recorded
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
24 Month Certificate of Deposit
$0
4.25%
▲ 1.28% above Michigan avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 1.28% above avgNationally 2.88%
Details
APY includes .25% bonus for Meijer Team members, Meijer retirees and current MCU members
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Oct 9, 20264.25%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
1969 44th St Se, Grand Rapids, MI 49508
24-Month CD
$500
4.25%
▲ 1.28% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.97%▲ 1.28% above avgNationally 2.88%
Details
Long-Term Security; Annual Percentage Yield accurate as of 10/13/2026; Not available for public units or Business CDs; Limited-time offer
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
- Oct 10, 20264.25%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
86 Monroe Center St NW, Grand Rapids, MI 49503
2-Year Certificate or IRA-HSA
$0
4.15%
▲ 1.18% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 1.18% above avgNationally 2.88%
Details
Valid Thru 10/18/2026
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Sep 25, 20264.15%▲ from 4.00%
- Sep 18, 20264.00%first recorded
United Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
900 East Paris Ave Se, Grand Rapids, MI 49546
CD Special - 24 Month Term
$500
4.00%
▲ 1.03% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.97%▲ 1.03% above avgNationally 2.88%
Details
Promotional CD special; APY effective 09/01/2026; $500 minimum opening deposit, up to a maximum of $500,000; Not valid with any other offers; Promotion may end at any time; Penalty for early withdrawal; Open at your local branch
Rate History
No change since Oct 14, 2026 · 4.00% APY
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
630 32nd St SE, Grand Rapids, MI 49548 2306
24 month CD
$500
3.80%
▲ 0.83% above Michigan avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.97%▲ 0.83% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.80% ▲ 0.50 pts · high 3.80% / low 3.30%
- Oct 9, 20263.80%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
IRA Certificate of Deposit - 24 Months
$0
3.75%
▲ 0.78% above Michigan avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.78% above avgNationally 2.88%
Details
Dividend Rate 3.70%; APY includes .25% bonus for Meijer Team members, Meijer retirees and current MCU members (effective 10/1/26)
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
24 Month IRA/HSA CD - VIP Bonus
$500
3.65%
▲ 0.68% above Michigan avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.68% above avgNationally 2.88%
Details
VIP Bonus Rate; includes 0.25% VIP Relationship Reward Bonus
Rate History
No change since Oct 13, 2026 · 3.65% APY
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
150 Ann St NW, Grand Rapids, MI 49505 6244
24 Month Certificates of Deposit
$500
3.60%
▲ 0.63% above Michigan avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.63% above avgNationally 2.88%
Details
0.10% APY bonus earned if you also have a M1 Premier Checking Account; for members under 18 the required minimum balance on all CDs is $100.00; a penalty may be assessed for early withdrawals
Rate History
No change since Oct 13, 2026 · 3.60% APY
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
150 Ann St NW, Grand Rapids, MI 49505 6244
Certificate of Deposit - 24 Months
$500
3.60%
▲ 0.63% above Michigan avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.63% above avgNationally 2.88%
Details
Members under 18: minimum balance $100.00; 0.10% APY bonus if also holding M1 Premier Checking; early withdrawal penalty may apply
Rate History
No change since Oct 13, 2026 · 3.60% APY
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1619 Plainfield AVE NE, Grand Rapids, MI 49505 4703
Term Share Certificate - 24 Months
$500
3.55%
▲ 0.58% above Michigan avg
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.58% above avgNationally 2.88%
Details
Rates effective 10/1/2026; Rates are based on the term selected and on where purchased; Penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.55% ▲ 0.55 pts · high 3.55% / low 3.00%
- Sep 18, 20263.55%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
310 Leonard St Nw, Grand Rapids, MI 49504
Certificate of Deposit - 24 Month
$500
3.50%
▲ 0.53% above Michigan avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.97%▲ 0.53% above avgNationally 2.88%
Details
Rate History
1 change since Sep 24, 2026 · 3.24% → 3.50% ▲ 0.26 pts · high 3.50% / low 3.24%
- Oct 2, 20263.50%▲ from 3.24%
- Sep 24, 20263.24%first recorded
Northpointe Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
3333 Deposit Dr Ne, Grand Rapids, MI 49546
24 Month Certificate of Deposit
$1,000
3.50%
▲ 0.53% above Michigan avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.97%▲ 0.53% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 7 times
AAC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
904 Broadway Ave NW, Grand Rapids, MI 49504 4415
Certificates of Deposit - 24 Month
$0
3.50%
▲ 0.53% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.53% above avgNationally 2.88%
Details
Rates also apply to IRA and HSA Certificates of Deposit
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 2 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
24 Month CD - VIP Bonus
$500
3.50%
▲ 0.53% above Michigan avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.53% above avgNationally 2.88%
Details
VIP Relationship Reward Bonus; VIP Bonus Rate 3.45%; VIP Bonus APY 3.50%
Rate History
No change since Oct 13, 2026 · 3.50% APY
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
2 Year Certificate of Deposit
$2,500
3.45%
▲ 0.48% above Michigan avg
▼
Rate3.40%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.97%▲ 0.48% above avgNationally 2.88%
Details
Balance: $100,000+
Rate History
No change since Sep 19, 2026 · 3.45% APY · checked 8 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
24 Month IRA/HSA CD
$500
3.40%
▲ 0.43% above Michigan avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.43% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 6 times
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
4635 44th St SE, Grand Rapids, MI 49512
Share Certificate - 24 Month
$500
3.34%
▲ 0.37% above Michigan avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.37% above avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 3.34% APY
Priority Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 24.06%
6000 28th St SE Ste 100, Grand Rapids, MI 49546 6927
24 Month CD
$500
3.30%
▲ 0.33% above Michigan avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.33% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.30% ▼ 0.00 pts · high 3.30% / low 3.30%
- Sep 22, 20263.30%▼ from 3.30%
- Sep 14, 20263.30%first recorded
Priority Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 24.06%
6000 28th St SE Ste 100, Grand Rapids, MI 49546 6927
IRA 24 Month CD
$500
3.30%
▲ 0.33% above Michigan avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.33% above avgNationally 2.88%
Details
Individual Retirement Account (IRA) CD Rates and Minimum Deposits
Rate History
No change since Oct 13, 2026 · 3.30% APY
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
2 Year Certificate of Deposit
$2,500
3.25%
▲ 0.28% above Michigan avg
▼
Rate3.20%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.97%▲ 0.28% above avgNationally 2.88%
Details
Balance: $50,000 - $99,999
Rate History
No change since Sep 27, 2026 · 3.25% APY · checked 6 times
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
6000 28th St NE, Grand Rapids, MI 49546
Share Certificate 2 Years
$500
3.25%
▲ 0.28% above Michigan avg
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.28% above avgNationally 2.88%
Details
Dividend rate for $500 and up
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1619 Plainfield AVE NE, Grand Rapids, MI 49505 4703
24 Month Youth Share Certificate
$100
3.25%
▲ 0.28% above Michigan avg
▼
Rate3.20%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.28% above avgNationally 2.88%
Details
Youth club members 17 years old and younger; Penalty for early withdrawal; Rates effective 10/1/2026
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
- Sep 18, 20263.25%▲ from 3.00%
- Sep 14, 20263.00%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
24 Month CD
$500
3.25%
▲ 0.28% above Michigan avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.28% above avgNationally 2.88%
Details
Dividend Rate (Interest) 3.20%; APY 3.25%
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
Independent Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
4200 E Beltline Ave Ne, Grand Rapids, MI 49525
24-Month CD
$0
3.09%
▲ 0.12% above Michigan avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.97%▲ 0.12% above avgNationally 2.88%
Details
Interest Tier: $500 minimum; Effective October 14, 2026
Rate History
3 changes since Sep 18, 2026 · 2.68% → 3.09% ▲ 0.41 pts · high 3.09% / low 2.68%
- Oct 14, 20263.09%▲ from 2.89%
- Oct 2, 20262.89%▲ from 2.73%
- Sep 24, 20262.73%▲ from 2.68%
- Sep 18, 20262.68%first recorded
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
2 Year Certificate of Deposit
$2,500
3.04%
▲ 0.07% above Michigan avg
▼
Rate3.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.97%▲ 0.07% above avgNationally 2.88%
Details
Balance: $0 - $49,999
Rate History
No change since Sep 27, 2026 · 3.04% APY · checked 6 times
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
24 Month IRA CD
$0
2.93%
▼ 0.04% below Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▼ 0.04% below avgNationally 2.88%
Details
$10,000 or more
Rate History
No change since Oct 13, 2026 · 2.93% APY
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
24 Month Regular CD
$0
2.84%
▼ 0.13% below Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▼ 0.13% below avgNationally 2.88%
Details
$10,000 or more
Rate History
No change since Oct 13, 2026 · 2.84% APY
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
24 Month IRA CD
$0
2.83%
▼ 0.14% below Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▼ 0.14% below avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 2.83% APY
Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
6000 28th St SE, Grand Rapids, MI 49546
2 Years Certificate of Deposit
$0
2.75%
▼ 0.22% below Michigan avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.97%▼ 0.22% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 5 times
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
24 Month Regular CD
$0
2.73%
▼ 0.24% below Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▼ 0.24% below avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 2.73% APY
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
2 Year Certificate
$50,000
2.35%
▼ 0.62% below Michigan avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.97%▼ 0.62% below avgNationally 2.88%
Details
APY as high as; standard APY is 0.25% lower without 20,000 VIP Lifetime Reward Points; Membership Required
Rate History
No change since Sep 14, 2026 · 2.35% APY · checked 7 times
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
2 Year IRA Certificate
$0
2.35%
▼ 0.62% below Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.97%▼ 0.62% below avgNationally 2.88%
Details
Minimum balance tier: $50,000.00
Rate History
2 changes since Sep 14, 2026 · 2.35% → 2.35% ▼ 0.00 pts · high 2.35% / low 2.10%
- Oct 10, 20262.35%▲ from 2.10%
- Oct 1, 20262.10%▼ from 2.35%
- Sep 14, 20262.35%first recorded
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
2 Year Certificate
$500
2.25%
▼ 0.72% below Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.97%▼ 0.72% below avgNationally 2.88%
Details
APY as high as; standard APY is 0.25% lower without 20,000 VIP Lifetime Reward Points; Membership Required
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
2 Year IRA Certificate
$0
2.25%
▼ 0.72% below Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.97%▼ 0.72% below avgNationally 2.88%
Details
Minimum balance tier: $500.00
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
6000 28th St SE Ste 100, Grand Rapids, MI 49546
2 Year Certificate
$1,000
2.01%
▼ 0.96% below Michigan avg
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▼ 0.96% below avgNationally 2.88%
Details
Early withdrawal subject to dividend penalty
Rate History
No change since Sep 14, 2026 · 2.01% APY · checked 2 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
24 Month Certificate
$0
1.85%
▼ 1.12% below Michigan avg
▼
Rate1.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.97%▼ 1.12% below avgNationally 2.88%
Details
Effective Date: October 01, 2026
Rate History
1 change since Sep 12, 2026 · 1.95% → 1.85% ▼ 0.10 pts · high 1.95% / low 1.85%
- Oct 12, 20261.85%▼ from 1.95%
- Sep 12, 20261.95%first recorded
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
Share and IRA Certificates - 24 Months
$0
1.85%
▼ 1.12% below Michigan avg
▼
Rate1.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.97%▼ 1.12% below avgNationally 2.88%
Details
APY with Bonus Rate: 1.95%
Rate History
No change since Oct 12, 2026 · 1.85% APY
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1319 Front Ave NW, Grand Rapids, MI 49504
24 Month CD
$500
1.76%
▼ 1.21% below Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▼ 1.21% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 1.76% APY · checked 6 times
Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
670 Cascade West Pkwy Se, Grand Rapids, MI 49546
24 Month Business Certificate of Deposit (CD)
$500
1.00%
▼ 1.97% below Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.97%▼ 1.97% below avgNationally 2.88%
Details
Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 6 times
Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
670 Cascade West Pkwy Se, Grand Rapids, MI 49546
Certificate of Deposit - 24 Month
$500
1.00%
▼ 1.97% below Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.97%▼ 1.97% below avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 1.00% APY
Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
6770 Kalamazoo Ave SE, Grand Rapids, MI 49508 7032
24 Month CD
$1,000
0.50%
▼ 2.47% below Michigan avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▼ 2.47% below avgNationally 2.88%
Details
Balance: $25,000+; $1,000 minimum deposit required; Early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 5 times
Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
6770 Kalamazoo Ave SE, Grand Rapids, MI 49508 7032
24 Month CD
$1,000
0.45%
▼ 2.52% below Michigan avg
▼
Rate0.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▼ 2.52% below avgNationally 2.88%
Details
Balance: $1,000-$24,999; $1,000 minimum deposit required; Early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 5 times
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
6000 28th St SE, GRAND RAPIDS, MI 49546
24 Month Certificate
$1,000
0.25%
▼ 2.72% below Michigan avg
▼
Rate0.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.97%▼ 2.72% below avgNationally 2.88%
Details
Minimum of $1000.00
Rate History
No change since Oct 8, 2026 · 0.25% APY · checked 2 times
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
6000 28th St SE, GRAND RAPIDS, MI 49546
24 Month IRA Certificate
$1,000
0.25%
▼ 2.72% below Michigan avg
▼
Rate0.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.97%▼ 2.72% below avgNationally 2.88%
Details
Minimum of $1000.00
Rate History
No change since Oct 8, 2026 · 0.25% APY · checked 2 times
1166 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
2900 Charlevoix Dr, Grand Rapids, MI 49546
IRA Certificate of Deposit - 24 Months
$250
0.15%
▼ 2.82% below Michigan avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.97%▼ 2.82% below avgNationally 2.88%
Details
Rate History
No change since Sep 25, 2026 · 0.15% APY · checked 4 times
Grand Rapids 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
3-Year Rising Rate Certificate of Deposit - Year 3 term
$10,000
5.00%
▲ 2.06% above Michigan avg
▼
Rate4.89%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.94%▲ 2.06% above avgNationally 2.81%
Details
Interest is compounded monthly; 10-day option to withdraw at the end of each one-year term; penalty for early withdrawals applies at other times; no brokered deposits
Rate History
No change since Sep 19, 2026 · 5.00% APY · checked 5 times
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
3-Year Rising Rate Certificate of Deposit - Year 2 term
$10,000
4.75%
▲ 1.81% above Michigan avg
▼
Rate4.65%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.94%▲ 1.81% above avgNationally 2.81%
Details
Interest is compounded monthly; 10-day option to withdraw at the end of each one-year term; penalty for early withdrawals applies at other times; no brokered deposits
Rate History
No change since Sep 19, 2026 · 4.75% APY · checked 5 times
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
36 Month Certificate of Deposit
$0
4.50%
▲ 1.56% above Michigan avg
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.94%▲ 1.56% above avgNationally 2.81%
Details
Minimum balance $1,000 to obtain the APY; APY assumes principal and interest remain on deposit until maturity; early withdrawal penalty may apply
Rate History
3 changes since Sep 18, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 14, 20264.50%▲ from 4.45%
- Oct 2, 20264.45%▲ from 4.30%
- Sep 24, 20264.30%▲ from 4.00%
- Sep 18, 20264.00%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
Time Certificate of Deposit - 36 Month
$0
4.50%
▲ 1.56% above Michigan avg
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.94%▲ 1.56% above avgNationally 2.81%
Details
East Lansing Rates
Rate History
1 change since Oct 7, 2026 · 4.45% → 4.50% ▲ 0.05 pts · high 4.50% / low 4.45%
- Oct 14, 20264.50%▲ from 4.45%
- Oct 7, 20264.45%first recorded
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
3-Year Rising Rate Certificate of Deposit - Year 1 term
$10,000
4.50%
▲ 1.56% above Michigan avg
▼
Rate4.41%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.94%▲ 1.56% above avgNationally 2.81%
Details
Interest is compounded monthly; 10-day option to withdraw at the end of each one-year term; penalty for early withdrawals applies at other times; no brokered deposits
Rate History
No change since Sep 19, 2026 · 4.50% APY · checked 5 times
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
86 Monroe Center St NW, Grand Rapids, MI 49503
3-Year Certificate or IRA-HSA Jumbo
$0
4.35%
▲ 1.41% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 1.41% above avgNationally 2.81%
Details
Jumbo; Valid Thru 10/18/2026
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
- Sep 25, 20264.35%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
86 Monroe Center St NW, Grand Rapids, MI 49503
3-Year Certificate or IRA-HSA
$0
4.20%
▲ 1.26% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 1.26% above avgNationally 2.81%
Details
Valid Thru 10/18/2026
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Sep 25, 20264.20%▲ from 3.85%
- Sep 18, 20263.85%first recorded
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
630 32nd St SE, Grand Rapids, MI 49548 2306
36 month CD
$500
3.90%
▲ 0.96% above Michigan avg
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.94%▲ 0.96% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.90% ▲ 0.60 pts · high 3.90% / low 3.30%
- Oct 9, 20263.90%▲ from 3.30%
- Sep 14, 20263.30%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
36 Month IRA/HSA CD - VIP Bonus
$500
3.75%
▲ 0.81% above Michigan avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.81% above avgNationally 2.81%
Details
VIP Bonus Rate; includes 0.25% VIP Relationship Reward Bonus
Rate History
No change since Oct 13, 2026 · 3.75% APY
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
150 Ann St NW, Grand Rapids, MI 49505 6244
36 Month Certificates of Deposit
$500
3.70%
▲ 0.76% above Michigan avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.76% above avgNationally 2.81%
Details
0.10% APY bonus earned if you also have a M1 Premier Checking Account; for members under 18 the required minimum balance on all CDs is $100.00; a penalty may be assessed for early withdrawals
Rate History
No change since Oct 13, 2026 · 3.70% APY
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
150 Ann St NW, Grand Rapids, MI 49505 6244
Certificate of Deposit - 36 Months
$500
3.70%
▲ 0.76% above Michigan avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.76% above avgNationally 2.81%
Details
Members under 18: minimum balance $100.00; 0.10% APY bonus if also holding M1 Premier Checking; early withdrawal penalty may apply
Rate History
No change since Oct 13, 2026 · 3.70% APY
Northpointe Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
3333 Deposit Dr Ne, Grand Rapids, MI 49546
36 Month Certificate of Deposit
$1,000
3.60%
▲ 0.66% above Michigan avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.94%▲ 0.66% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 7 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
36 Month CD - VIP Bonus
$500
3.60%
▲ 0.66% above Michigan avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.66% above avgNationally 2.81%
Details
VIP Relationship Reward Bonus; VIP Bonus Rate 3.54%; VIP Bonus APY 3.60%
Rate History
No change since Oct 13, 2026 · 3.60% APY
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
4635 44th St SE, Grand Rapids, MI 49512
Share Certificate - 36 Month
$500
3.55%
▲ 0.61% above Michigan avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.61% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 3.55% APY
AAC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
904 Broadway Ave NW, Grand Rapids, MI 49504 4415
Certificates of Deposit - 36 Month
$0
3.50%
▲ 0.56% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.56% above avgNationally 2.81%
Details
Rates also apply to IRA and HSA Certificates of Deposit
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 2 times
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
36 Month Certificate of Deposit
$0
3.50%
▲ 0.56% above Michigan avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.56% above avgNationally 2.81%
Details
APY includes .25% bonus for Meijer Team members, Meijer retirees and current MCU members
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
IRA Certificate of Deposit - 36 Months
$0
3.50%
▲ 0.56% above Michigan avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.56% above avgNationally 2.81%
Details
Dividend Rate 3.45%; APY includes .25% bonus for Meijer Team members, Meijer retirees and current MCU members (effective 10/1/26)
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 2 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
36 Month IRA/HSA CD
$500
3.50%
▲ 0.56% above Michigan avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.56% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
36 Month CD
$500
3.35%
▲ 0.41% above Michigan avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.41% above avgNationally 2.81%
Details
Dividend Rate (Interest) 3.30%; APY 3.35%
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 6 times
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1619 Plainfield AVE NE, Grand Rapids, MI 49505 4703
Term Share Certificate - 36 Months
$500
3.25%
▲ 0.31% above Michigan avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.31% above avgNationally 2.81%
Details
Rates effective 10/1/2026; Rates are based on the term selected and on where purchased; Penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.04% → 3.25% ▲ 0.21 pts · high 3.25% / low 3.04%
- Sep 18, 20263.25%▲ from 3.04%
- Sep 14, 20263.04%first recorded
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
3 Year Certificate of Deposit
$2,500
3.20%
▲ 0.26% above Michigan avg
▼
Rate3.15%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.94%▲ 0.26% above avgNationally 2.81%
Details
Balance: $100,000+
Rate History
No change since Sep 19, 2026 · 3.20% APY · checked 8 times
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
36 Month IRA CD
$0
3.14%
▲ 0.20% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.20% above avgNationally 2.81%
Details
$10,000 or more
Rate History
No change since Oct 13, 2026 · 3.14% APY
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1619 Plainfield AVE NE, Grand Rapids, MI 49505 4703
36 Month Youth Share Certificate
$100
3.04%
▲ 0.10% above Michigan avg
▼
Rate3.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.10% above avgNationally 2.81%
Details
Youth club members 17 years old and younger; Penalty for early withdrawal; Rates effective 10/1/2026
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 6 times
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
36 Month Regular CD
$0
3.04%
▲ 0.10% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.10% above avgNationally 2.81%
Details
$10,000 or more
Rate History
No change since Oct 13, 2026 · 3.04% APY
Priority Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 24.06%
6000 28th St SE Ste 100, Grand Rapids, MI 49546 6927
36 Month CD
$500
3.04%
▲ 0.10% above Michigan avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.10% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.04% → 3.04% ▼ 0.00 pts · high 3.04% / low 3.04%
- Sep 22, 20263.04%▼ from 3.04%
- Sep 14, 20263.04%first recorded
Priority Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 24.06%
6000 28th St SE Ste 100, Grand Rapids, MI 49546 6927
IRA 36 Month CD
$500
3.04%
▲ 0.10% above Michigan avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.10% above avgNationally 2.81%
Details
Individual Retirement Account (IRA) CD Rates and Minimum Deposits
Rate History
No change since Oct 13, 2026 · 3.04% APY
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
310 Leonard St Nw, Grand Rapids, MI 49504
Certificate of Deposit - 36 Month
$500
3.03%
▲ 0.09% above Michigan avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.94%▲ 0.09% above avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 3.03% APY · checked 4 times
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
36 Month IRA CD
$0
3.03%
▲ 0.09% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.09% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 3.03% APY
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
6000 28th St NE, Grand Rapids, MI 49546
Share Certificate 3 Years
$500
3.00%
▲ 0.06% above Michigan avg
▼
Rate2.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.06% above avgNationally 2.81%
Details
Dividend rate for $500 and up
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
3 Year Certificate of Deposit
$2,500
2.99%
▲ 0.05% above Michigan avg
▼
Rate2.95%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.94%▲ 0.05% above avgNationally 2.81%
Details
Balance: $50,000 - $99,999
Rate History
No change since Sep 27, 2026 · 2.99% APY · checked 6 times
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
36 Month Regular CD
$0
2.94%
At Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%At the averageNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 2.94% APY
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
3 Year Certificate
$50,000
2.85%
▼ 0.09% below Michigan avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.94%▼ 0.09% below avgNationally 2.81%
Details
APY as high as; standard APY is 0.25% lower without 20,000 VIP Lifetime Reward Points; Membership Required
Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 7 times
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
3 Year IRA Certificate
$0
2.85%
▼ 0.09% below Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.94%▼ 0.09% below avgNationally 2.81%
Details
Minimum balance tier: $50,000.00
Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 6 times
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
3 Year Certificate of Deposit
$2,500
2.78%
▼ 0.16% below Michigan avg
▼
Rate2.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.94%▼ 0.16% below avgNationally 2.81%
Details
Balance: $0 - $49,999
Rate History
No change since Sep 27, 2026 · 2.78% APY · checked 6 times
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
3 Year Certificate
$500
2.75%
▼ 0.19% below Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.94%▼ 0.19% below avgNationally 2.81%
Details
APY as high as; standard APY is 0.25% lower without 20,000 VIP Lifetime Reward Points; Membership Required
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
3 Year IRA Certificate
$0
2.75%
▼ 0.19% below Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.94%▼ 0.19% below avgNationally 2.81%
Details
Minimum balance tier: $500.00
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
6000 28th St SE Ste 100, Grand Rapids, MI 49546
3 Year Certificate
$1,000
2.52%
▼ 0.42% below Michigan avg
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▼ 0.42% below avgNationally 2.81%
Details
Early withdrawal subject to dividend penalty
Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 2 times
Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
6000 28th St SE, Grand Rapids, MI 49546
3 Years Certificate of Deposit
$0
2.50%
▼ 0.44% below Michigan avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.94%▼ 0.44% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 5 times
1166 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
2900 Charlevoix Dr, Grand Rapids, MI 49546
Certificates of Deposit - 36 Months
$0
2.25%
▼ 0.69% below Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.94%▼ 0.69% below avgNationally 2.81%
Details
Rate History
No change since Oct 8, 2026 · 2.25% APY · checked 2 times
1166 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
2900 Charlevoix Dr, Grand Rapids, MI 49546
Time Deposit Account - 36 Months
$250
2.25%
▼ 0.69% below Michigan avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.94%▼ 0.69% below avgNationally 2.81%
Details
Rate History
No change since Sep 25, 2026 · 2.25% APY · checked 4 times
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1319 Front Ave NW, Grand Rapids, MI 49504
36 Month CD
$500
2.02%
▼ 0.92% below Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▼ 0.92% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 6 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
36 Month Bump Up Certificate
$0
2.00%
▼ 0.94% below Michigan avg
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.94%▼ 0.94% below avgNationally 2.81%
Details
Balance: $500 - $1,000,000; Effective Date: October 01, 2026; APY with Bonus Rate: 2.10% (bonus of 0.10% APY when the Tax Reported Owner has an Ultra Checking account with an average monthly balance of at least $1.00); A penalty may be charged for early withdrawal
Rate History
No change since Sep 12, 2026 · 2.00% APY · checked 5 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
36 Month Certificate
$0
2.00%
▼ 0.94% below Michigan avg
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.94%▼ 0.94% below avgNationally 2.81%
Details
Effective Date: October 01, 2026
Rate History
No change since Sep 12, 2026 · 2.00% APY · checked 2 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
Share and IRA Certificates - 36 Months
$0
2.00%
▼ 0.94% below Michigan avg
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.94%▼ 0.94% below avgNationally 2.81%
Details
APY with Bonus Rate: 2.10%
Rate History
No change since Oct 12, 2026 · 2.00% APY
Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
670 Cascade West Pkwy Se, Grand Rapids, MI 49546
36 Month Business Certificate of Deposit (CD)
$500
1.00%
▼ 1.94% below Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.94%▼ 1.94% below avgNationally 2.81%
Details
Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 6 times
Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
670 Cascade West Pkwy Se, Grand Rapids, MI 49546
Certificate of Deposit - 36 Month
$500
1.00%
▼ 1.94% below Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average2.94%▼ 1.94% below avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 1.00% APY
Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
6770 Kalamazoo Ave SE, Grand Rapids, MI 49508 7032
36 Month CD
$1,000
0.74%
▼ 2.20% below Michigan avg
▼
Rate0.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▼ 2.20% below avgNationally 2.81%
Details
Balance: $25,000+; $1,000 minimum deposit required; Early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 0.74% APY · checked 5 times
Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
6770 Kalamazoo Ave SE, Grand Rapids, MI 49508 7032
36 Month CD
$1,000
0.69%
▼ 2.25% below Michigan avg
▼
Rate0.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▼ 2.25% below avgNationally 2.81%
Details
Balance: $1,000-$24,999; $1,000 minimum deposit required; Early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 0.69% APY · checked 5 times
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
6000 28th St SE, GRAND RAPIDS, MI 49546
36 Month Certificate
$1,000
0.25%
▼ 2.69% below Michigan avg
▼
Rate0.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.94%▼ 2.69% below avgNationally 2.81%
Details
Minimum of $1000.00
Rate History
No change since Oct 8, 2026 · 0.25% APY · checked 2 times
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
6000 28th St SE, GRAND RAPIDS, MI 49546
36 Month IRA Certificate
$1,000
0.25%
▼ 2.69% below Michigan avg
▼
Rate0.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.94%▼ 2.69% below avgNationally 2.81%
Details
Minimum of $1000.00
Rate History
No change since Oct 8, 2026 · 0.25% APY · checked 2 times
Grand Rapids 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
48 Month Certificate of Deposit
$0
4.50%
▲ 1.50% above Michigan avg
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.00%▲ 1.50% above avgNationally 2.80%
Details
Minimum balance $1,000 to obtain the APY; APY assumes principal and interest remain on deposit until maturity; early withdrawal penalty may apply
Rate History
3 changes since Sep 18, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
- Oct 14, 20264.50%▲ from 4.45%
- Oct 2, 20264.45%▲ from 4.30%
- Sep 24, 20264.30%▲ from 4.20%
- Sep 18, 20264.20%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
Time Certificate of Deposit - 48 Month
$0
4.50%
▲ 1.50% above Michigan avg
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.00%▲ 1.50% above avgNationally 2.80%
Details
East Lansing Rates
Rate History
1 change since Oct 7, 2026 · 4.45% → 4.50% ▲ 0.05 pts · high 4.50% / low 4.45%
- Oct 14, 20264.50%▲ from 4.45%
- Oct 7, 20264.45%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
86 Monroe Center St NW, Grand Rapids, MI 49503
4-Year Certificate or IRA-HSA Jumbo
$0
4.35%
▲ 1.35% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 1.35% above avgNationally 2.80%
Details
Jumbo; Valid Thru 10/18/2026
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
- Sep 25, 20264.35%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
86 Monroe Center St NW, Grand Rapids, MI 49503
4-Year Certificate or IRA-HSA
$0
4.20%
▲ 1.20% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 1.20% above avgNationally 2.80%
Details
Valid Thru 10/18/2026
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Sep 25, 20264.20%▲ from 3.85%
- Sep 18, 20263.85%first recorded
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
630 32nd St SE, Grand Rapids, MI 49548 2306
48 month CD
$500
4.10%
▲ 1.10% above Michigan avg
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.00%▲ 1.10% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.40% → 4.10% ▲ 0.70 pts · high 4.10% / low 3.40%
- Oct 9, 20264.10%▲ from 3.40%
- Sep 14, 20263.40%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
48 Month IRA/HSA CD - VIP Bonus
$500
3.90%
▲ 0.90% above Michigan avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.90% above avgNationally 2.80%
Details
VIP Bonus Rate; includes 0.25% VIP Relationship Reward Bonus
Rate History
No change since Oct 13, 2026 · 3.90% APY
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
4635 44th St SE, Grand Rapids, MI 49512
Share Certificate - 48 Month
$500
3.80%
▲ 0.80% above Michigan avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.80% above avgNationally 2.80%
Details
Rate History
No change since Oct 13, 2026 · 3.80% APY
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
150 Ann St NW, Grand Rapids, MI 49505 6244
48 Month Certificates of Deposit
$500
3.75%
▲ 0.75% above Michigan avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.75% above avgNationally 2.80%
Details
0.10% APY bonus earned if you also have a M1 Premier Checking Account; for members under 18 the required minimum balance on all CDs is $100.00; a penalty may be assessed for early withdrawals
Rate History
No change since Oct 13, 2026 · 3.75% APY
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
150 Ann St NW, Grand Rapids, MI 49505 6244
Certificate of Deposit - 48 Months
$500
3.75%
▲ 0.75% above Michigan avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.75% above avgNationally 2.80%
Details
Members under 18: minimum balance $100.00; 0.10% APY bonus if also holding M1 Premier Checking; early withdrawal penalty may apply
Rate History
No change since Oct 13, 2026 · 3.75% APY
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
48 Month CD - VIP Bonus
$500
3.75%
▲ 0.75% above Michigan avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.75% above avgNationally 2.80%
Details
VIP Relationship Reward Bonus; VIP Bonus Rate 3.69%; VIP Bonus APY 3.75%
Rate History
No change since Oct 13, 2026 · 3.75% APY
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
4635 44th St SE, Grand Rapids, MI 49512
IRA Certificate - 48 Month - Traditional or Roth
$1,000
3.75%
▲ 0.75% above Michigan avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.75% above avgNationally 2.80%
Details
Rate History
No change since Oct 13, 2026 · 3.75% APY
Northpointe Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
3333 Deposit Dr Ne, Grand Rapids, MI 49546
48 Month Certificate of Deposit
$1,000
3.65%
▲ 0.65% above Michigan avg
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.00%▲ 0.65% above avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 7 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
48 Month IRA/HSA CD
$500
3.65%
▲ 0.65% above Michigan avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.65% above avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 6 times
AAC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
904 Broadway Ave NW, Grand Rapids, MI 49504 4415
Certificates of Deposit - 48 Month
$0
3.50%
▲ 0.50% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.50% above avgNationally 2.80%
Details
Rates also apply to IRA and HSA Certificates of Deposit
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 2 times
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
48 Month Certificate of Deposit
$0
3.50%
▲ 0.50% above Michigan avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.50% above avgNationally 2.80%
Details
APY includes .25% bonus for Meijer Team members, Meijer retirees and current MCU members
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
IRA Certificate of Deposit - 48 Months
$0
3.50%
▲ 0.50% above Michigan avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.50% above avgNationally 2.80%
Details
Dividend Rate 3.45%; APY includes .25% bonus for Meijer Team members, Meijer retirees and current MCU members (effective 10/1/26)
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 2 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
48 Month CD
$500
3.50%
▲ 0.50% above Michigan avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.50% above avgNationally 2.80%
Details
Dividend Rate (Interest) 3.45%; APY 3.50%
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
48 Month IRA CD
$0
3.39%
▲ 0.39% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.39% above avgNationally 2.80%
Details
$10,000 or more
Rate History
No change since Oct 13, 2026 · 3.39% APY
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
48 Month Regular CD
$0
3.30%
▲ 0.30% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.30% above avgNationally 2.80%
Details
$10,000 or more
Rate History
No change since Oct 13, 2026 · 3.30% APY
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
48 Month IRA CD
$0
3.29%
▲ 0.29% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.29% above avgNationally 2.80%
Details
Rate History
No change since Oct 13, 2026 · 3.29% APY
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
48 Month Regular CD
$0
3.20%
▲ 0.20% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.20% above avgNationally 2.80%
Details
Rate History
No change since Oct 13, 2026 · 3.20% APY
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
4 Year Certificate
$50,000
3.10%
▲ 0.10% above Michigan avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.00%▲ 0.10% above avgNationally 2.80%
Details
APY as high as; standard APY is 0.25% lower without 20,000 VIP Lifetime Reward Points; Membership Required
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 7 times
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
4 Year IRA Certificate
$0
3.10%
▲ 0.10% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.00%▲ 0.10% above avgNationally 2.80%
Details
Minimum balance tier: $50,000.00
Rate History
2 changes since Sep 14, 2026 · 3.10% → 3.10% ▼ 0.00 pts · high 3.10% / low 2.85%
- Oct 10, 20263.10%▲ from 2.85%
- Oct 1, 20262.85%▼ from 3.10%
- Sep 14, 20263.10%first recorded
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1619 Plainfield AVE NE, Grand Rapids, MI 49505 4703
Term Share Certificate - 48 Months
$500
3.09%
▲ 0.09% above Michigan avg
▼
Rate3.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.09% above avgNationally 2.80%
Details
Rates effective 10/1/2026; Rates are based on the term selected and on where purchased; Penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.09% APY · checked 6 times
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
310 Leonard St Nw, Grand Rapids, MI 49504
Certificate of Deposit - 48 Month
$500
3.03%
▲ 0.03% above Michigan avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.00%▲ 0.03% above avgNationally 2.80%
Details
Rate History
No change since Sep 24, 2026 · 3.03% APY · checked 4 times
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
4 Year Certificate
$500
3.00%
At Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.00%At the averageNationally 2.80%
Details
APY as high as; standard APY is 0.25% lower without 20,000 VIP Lifetime Reward Points; Membership Required
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
4 Year IRA Certificate
$0
3.00%
At Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.00%At the averageNationally 2.80%
Details
Minimum balance tier: $500.00
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
4 Year Certificate of Deposit
$2,500
2.70%
▼ 0.30% below Michigan avg
▼
Rate2.70%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.00%▼ 0.30% below avgNationally 2.80%
Details
Balance: $50,000 - $99,999
Rate History
No change since Sep 27, 2026 · 2.70% APY · checked 6 times
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
4 Year Certificate of Deposit
$2,500
2.53%
▼ 0.47% below Michigan avg
▼
Rate2.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.00%▼ 0.47% below avgNationally 2.80%
Details
Balance: $0 - $49,999
Rate History
No change since Sep 27, 2026 · 2.53% APY · checked 6 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
48 Month Certificate
$0
2.05%
▼ 0.95% below Michigan avg
▼
Rate2.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.00%▼ 0.95% below avgNationally 2.80%
Details
Effective Date: October 01, 2026
Rate History
No change since Sep 12, 2026 · 2.05% APY · checked 2 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
Share and IRA Certificates - 48 Months
$0
2.05%
▼ 0.95% below Michigan avg
▼
Rate2.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.00%▼ 0.95% below avgNationally 2.80%
Details
APY with Bonus Rate: 2.15%
Rate History
No change since Oct 12, 2026 · 2.05% APY
Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
6000 28th St SE, Grand Rapids, MI 49546
4 Years Certificate of Deposit
$0
2.00%
▼ 1.00% below Michigan avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.00%▼ 1.00% below avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 5 times
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1319 Front Ave NW, Grand Rapids, MI 49504
48 Month CD
$500
1.16%
▼ 1.84% below Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▼ 1.84% below avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 1.16% APY · checked 6 times
Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
670 Cascade West Pkwy Se, Grand Rapids, MI 49546
48 Month Business Certificate of Deposit (CD)
$500
1.00%
▼ 2.00% below Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.00%▼ 2.00% below avgNationally 2.80%
Details
Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 6 times
Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
670 Cascade West Pkwy Se, Grand Rapids, MI 49546
Certificate of Deposit - 48 Month
$500
1.00%
▼ 2.00% below Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.00%▼ 2.00% below avgNationally 2.80%
Details
Rate History
No change since Oct 14, 2026 · 1.00% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
171 Monroe Ave Nw, Grand Rapids, MI 49503
48 Month Certificate of Deposit
$0
0.03%
▼ 2.97% below Michigan avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.00%▼ 2.97% below avgNationally 2.80%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
171 Monroe Ave Nw, Grand Rapids, MI 49503
IRA CD - 48 Months
$250
0.03%
▼ 2.97% below Michigan avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.00%▼ 2.97% below avgNationally 2.80%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
171 Monroe Ave Nw, Grand Rapids, MI 49503
48 Month Certificate of Deposit
$0
0.02%
▼ 2.98% below Michigan avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.00%▼ 2.98% below avgNationally 2.80%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
171 Monroe Ave Nw, Grand Rapids, MI 49503
IRA CD - 48 Months
$250
0.02%
▼ 2.98% below Michigan avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.00%▼ 2.98% below avgNationally 2.80%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
171 Monroe Ave Nw, Grand Rapids, MI 49503
48 Month Certificate of Deposit
$0
0.01%
▼ 2.99% below Michigan avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.00%▼ 2.99% below avgNationally 2.80%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
171 Monroe Ave Nw, Grand Rapids, MI 49503
IRA CD - 48 Months
$250
0.01%
▼ 2.99% below Michigan avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.00%▼ 2.99% below avgNationally 2.80%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
48 Month Relationship CD
$2,500
4.70%
▲ 1.70% above Michigan avg
▼
Rate4.62%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.00%▲ 1.70% above avgNationally 2.80%
Details
Minimum $2500 to open; Relationship is defined as Direct Deposit Checking
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.70% ▲ 0.45 pts · high 4.70% / low 4.25%
- Sep 24, 20264.70%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
48 Month Share Certificates
$0
4.50%
▲ 1.50% above Michigan avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.00%▲ 1.50% above avgNationally 2.80%
Details
Rates effective October 1, 2026
Rate History
No change since Sep 12, 2026 · 4.50% APY · checked 5 times
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
48 Month CD
$0
4.42%
▲ 1.42% above Michigan avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.00%▲ 1.42% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 4.01% → 4.42% ▲ 0.41 pts · high 4.42% / low 4.01%
- Oct 9, 20264.42%▲ from 4.01%
- Sep 14, 20264.01%first recorded
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Simple CD - 48 Months
$500
4.40%
▲ 1.40% above Michigan avg
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.00%▲ 1.40% above avgNationally 2.80%
Details
Starting minimum deposit $500; not eligible for Member Saver Reward
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.40% ▲ 0.50 pts · high 4.40% / low 3.90%
- Sep 22, 20264.40%▲ from 3.90%
- Sep 14, 20263.90%first recorded
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
48 Month Jumbo Share Certificates
$100,000
4.37%
▲ 1.37% above Michigan avg
▼
Rate4.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.00%▲ 1.37% above avgNationally 2.80%
Details
Minimum deposit of $100,000.00; Certificate specials will not renew at end of term; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 12, 2026 · 4.06% → 4.37% ▲ 0.31 pts · high 4.37% / low 4.06%
- Oct 4, 20264.37%▲ from 4.06%
- Sep 12, 20264.06%first recorded
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
48 Month CD
$500
4.30%
▲ 1.30% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.00%▲ 1.30% above avgNationally 2.80%
Details
Annual Percentage Yield compounded quarterly; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 19, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
- Oct 14, 20264.30%▲ from 3.90%
- Sep 19, 20263.90%first recorded
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
48 Month Timed Certificate
$1,000
4.28%
▲ 1.28% above Michigan avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 1.28% above avgNationally 2.80%
Details
Rate History
No change since Oct 13, 2026 · 4.28% APY
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
48 Month Certificate
$0
4.27%
▲ 1.27% above Michigan avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.00%▲ 1.27% above avgNationally 2.80%
Details
Rate History
2 changes since Sep 18, 2026 · 4.01% → 4.27% ▲ 0.26 pts · high 4.42% / low 4.01%
- Oct 9, 20264.27%▼ from 4.42%
- Sep 29, 20264.42%▲ from 4.01%
- Sep 18, 20264.01%first recorded
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
48 Month IRA
$0
4.27%
▲ 1.27% above Michigan avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.00%▲ 1.27% above avgNationally 2.80%
Details
Rate History
No change since Oct 9, 2026 · 4.27% APY · checked 3 times
Grand Rapids 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
60 Month Certificate of Deposit
$0
4.60%
▲ 1.53% above Michigan avg
▼
Rate4.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.07%▲ 1.53% above avgNationally 2.91%
Details
Minimum balance $1,000 to obtain the APY; APY assumes principal and interest remain on deposit until maturity; early withdrawal penalty may apply
Rate History
3 changes since Sep 18, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
- Oct 14, 20264.60%▲ from 4.50%
- Oct 2, 20264.50%▲ from 4.30%
- Sep 24, 20264.30%▲ from 4.20%
- Sep 18, 20264.20%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
Time Certificate of Deposit - 60 Month
$0
4.60%
▲ 1.53% above Michigan avg
▼
Rate4.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.07%▲ 1.53% above avgNationally 2.91%
Details
East Lansing Rates
Rate History
1 change since Oct 7, 2026 · 4.50% → 4.60% ▲ 0.10 pts · high 4.60% / low 4.50%
- Oct 14, 20264.60%▲ from 4.50%
- Oct 7, 20264.50%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
86 Monroe Center St NW, Grand Rapids, MI 49503
5-Year Certificate or IRA-HSA Jumbo
$0
4.40%
▲ 1.33% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 1.33% above avgNationally 2.91%
Details
Jumbo; Valid Thru 10/18/2026
Rate History
1 change since Sep 18, 2026 · 4.05% → 4.40% ▲ 0.35 pts · high 4.40% / low 4.05%
- Sep 25, 20264.40%▲ from 4.05%
- Sep 18, 20264.05%first recorded
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
630 32nd St SE, Grand Rapids, MI 49548 2306
60 month CD
$500
4.35%
▲ 1.28% above Michigan avg
▼
Rate4.28%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.07%▲ 1.28% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.40% → 4.35% ▲ 0.95 pts · high 4.35% / low 3.40%
- Oct 9, 20264.35%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
630 32nd St SE, Grand Rapids, MI 49548 2306
60-Month CD
$500
4.35%
▲ 1.28% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.07%▲ 1.28% above avgNationally 2.91%
Details
Early withdrawal penalty on 12-month term or longer is 180-days loss of interest.
Rate History
1 change since Sep 14, 2026 · 3.40% → 4.35% ▲ 0.95 pts · high 4.35% / low 3.40%
- Oct 9, 20264.35%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
86 Monroe Center St NW, Grand Rapids, MI 49503
5-Year Certificate or IRA-HSA
$0
4.25%
▲ 1.18% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 1.18% above avgNationally 2.91%
Details
Valid Thru 10/18/2026
Rate History
1 change since Sep 18, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Sep 25, 20264.25%▲ from 3.90%
- Sep 18, 20263.90%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
60 Month IRA/HSA CD - VIP Bonus
$500
4.15%
▲ 1.08% above Michigan avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 1.08% above avgNationally 2.91%
Details
VIP Bonus Rate; includes 0.25% VIP Relationship Reward Bonus
Rate History
No change since Oct 13, 2026 · 4.15% APY
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
60 Month CD - VIP Bonus
$500
4.00%
▲ 0.93% above Michigan avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.93% above avgNationally 2.91%
Details
VIP Relationship Reward Bonus; VIP Bonus Rate 3.93%; VIP Bonus APY 4.00%
Rate History
No change since Oct 13, 2026 · 4.00% APY
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
60 Mo. IRA CD VIP
$0
3.90%
▲ 0.83% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.83% above avgNationally 2.91%
Details
IRA certificate
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 5 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
60 Month IRA/HSA CD
$500
3.90%
▲ 0.83% above Michigan avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.83% above avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 6 times
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
150 Ann St NW, Grand Rapids, MI 49505 6244
60 Month Certificates of Deposit
$500
3.75%
▲ 0.68% above Michigan avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.68% above avgNationally 2.91%
Details
0.10% APY bonus earned if you also have a M1 Premier Checking Account; for members under 18 the required minimum balance on all CDs is $100.00; a penalty may be assessed for early withdrawals
Rate History
No change since Oct 13, 2026 · 3.75% APY
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
150 Ann St NW, Grand Rapids, MI 49505 6244
Certificate of Deposit - 60 Months
$500
3.75%
▲ 0.68% above Michigan avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.68% above avgNationally 2.91%
Details
Members under 18: minimum balance $100.00; 0.10% APY bonus if also holding M1 Premier Checking; early withdrawal penalty may apply
Rate History
No change since Oct 13, 2026 · 3.75% APY
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
60 Month CD
$500
3.75%
▲ 0.68% above Michigan avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.68% above avgNationally 2.91%
Details
Dividend Rate (Interest) 3.69%; APY 3.75%
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
Northpointe Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
3333 Deposit Dr Ne, Grand Rapids, MI 49546
60 Month Certificate of Deposit
$1,000
3.70%
▲ 0.63% above Michigan avg
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.07%▲ 0.63% above avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 7 times
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
630 32nd St SE, Grand Rapids, MI 49548 2306
6 - 60 Month Certificate of Deposit
$500
3.60%
▲ 0.53% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.07%▲ 0.53% above avgNationally 2.91%
Details
Published APY range: 3.600% - 4.350%. Early Withdrawal Penalty: 90 to 180 days interest*
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.60% ▲ 0.30 pts · high 3.60% / low 3.30%
- Oct 9, 20263.60%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
630 32nd St SE, Grand Rapids, MI 49548 2306
6 - 60 Month IRA CD
$500
3.60%
▲ 0.53% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.07%▲ 0.53% above avgNationally 2.91%
Details
Published APY range: 3.600% - 4.350%. Early Withdrawal Penalty: 90 to 180 days interest*
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.60% ▲ 0.30 pts · high 3.60% / low 3.30%
- Oct 9, 20263.60%▲ from 3.30%
- Sep 14, 20263.30%first recorded
AAC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
904 Broadway Ave NW, Grand Rapids, MI 49504 4415
Certificates of Deposit - 60 Month
$0
3.50%
▲ 0.43% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.43% above avgNationally 2.91%
Details
Rates also apply to IRA and HSA Certificates of Deposit
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 2 times
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
60 Month IRA CD
$0
3.50%
▲ 0.43% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.43% above avgNationally 2.91%
Details
$10,000 or more
Rate History
No change since Oct 13, 2026 · 3.50% APY
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
60 Month Certificate of Deposit
$0
3.50%
▲ 0.43% above Michigan avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.43% above avgNationally 2.91%
Details
APY includes .25% bonus for Meijer Team members, Meijer retirees and current MCU members
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
IRA Certificate of Deposit - 60 Months
$0
3.50%
▲ 0.43% above Michigan avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.43% above avgNationally 2.91%
Details
Dividend Rate 3.45%; APY includes .25% bonus for Meijer Team members, Meijer retirees and current MCU members (effective 10/1/26)
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 2 times
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
60 Month Regular CD
$0
3.40%
▲ 0.33% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.33% above avgNationally 2.91%
Details
$10,000 or more
Rate History
No change since Oct 13, 2026 · 3.40% APY
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
60 Month IRA CD
$0
3.39%
▲ 0.32% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.32% above avgNationally 2.91%
Details
Rate History
No change since Oct 13, 2026 · 3.39% APY
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
3767 Sparks Dr SE, Grand Rapids, MI 49546
60 Month Regular CD
$0
3.30%
▲ 0.23% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.23% above avgNationally 2.91%
Details
Rate History
No change since Oct 13, 2026 · 3.30% APY
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
5 Year Certificate
$50,000
3.25%
▲ 0.18% above Michigan avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.07%▲ 0.18% above avgNationally 2.91%
Details
APY as high as; standard APY is 0.25% lower without 20,000 VIP Lifetime Reward Points; Membership Required
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
5 Year IRA Certificate
$0
3.25%
▲ 0.18% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.07%▲ 0.18% above avgNationally 2.91%
Details
Minimum balance tier: $50,000.00
Rate History
2 changes since Sep 14, 2026 · 3.25% → 3.25% ▼ 0.00 pts · high 3.25% / low 3.00%
- Oct 10, 20263.25%▲ from 3.00%
- Oct 1, 20263.00%▼ from 3.25%
- Sep 14, 20263.25%first recorded
Priority Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 24.06%
6000 28th St SE Ste 100, Grand Rapids, MI 49546 6927
60 Month CD
$500
3.20%
▲ 0.13% above Michigan avg
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.13% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.20% → 3.20% ▼ 0.00 pts · high 3.20% / low 3.20%
- Sep 22, 20263.20%▼ from 3.20%
- Sep 14, 20263.20%first recorded
Priority Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 24.06%
6000 28th St SE Ste 100, Grand Rapids, MI 49546 6927
IRA 60 Month CD
$500
3.20%
▲ 0.13% above Michigan avg
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.13% above avgNationally 2.91%
Details
Individual Retirement Account (IRA) CD Rates and Minimum Deposits
Rate History
No change since Oct 13, 2026 · 3.20% APY
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
310 Leonard St Nw, Grand Rapids, MI 49504
Certificate of Deposit - 60 Month
$500
3.03%
▼ 0.04% below Michigan avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.07%▼ 0.04% below avgNationally 2.91%
Details
Rate History
No change since Sep 24, 2026 · 3.03% APY · checked 4 times
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
5 Year Certificate
$500
3.00%
▼ 0.07% below Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.07%▼ 0.07% below avgNationally 2.91%
Details
APY as high as; standard APY is 0.25% lower without 20,000 VIP Lifetime Reward Points; Membership Required
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Kellogg Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
2270 Gezon Pkwy SW, Grand Rapids, MI 49519 9570
5 Year IRA Certificate
$0
3.00%
▼ 0.07% below Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.07%▼ 0.07% below avgNationally 2.91%
Details
Minimum balance tier: $500.00
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
5 Year Certificate of Deposit
$2,500
2.94%
▼ 0.13% below Michigan avg
▼
Rate2.90%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.07%▼ 0.13% below avgNationally 2.91%
Details
Balance: $100,000+
Rate History
No change since Sep 19, 2026 · 2.94% APY · checked 8 times
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
5 Year Certificate of Deposit
$2,500
2.73%
▼ 0.34% below Michigan avg
▼
Rate2.70%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.07%▼ 0.34% below avgNationally 2.91%
Details
Balance: $50,000 - $99,999
Rate History
No change since Sep 27, 2026 · 2.73% APY · checked 6 times
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
141 Ionia Ave Nw, Grand Rapids, MI 49503
5 Year Certificate of Deposit
$2,500
2.53%
▼ 0.54% below Michigan avg
▼
Rate2.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.07%▼ 0.54% below avgNationally 2.91%
Details
Balance: $0 - $49,999
Rate History
No change since Sep 27, 2026 · 2.53% APY · checked 6 times
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
1619 Plainfield AVE NE, Grand Rapids, MI 49505 4703
Term Share Certificate - 60 Months
$500
2.50%
▼ 0.57% below Michigan avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▼ 0.57% below avgNationally 2.91%
Details
Rates effective 10/1/2026; Rates are based on the term selected and on where purchased; Penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
60 Month Certificate
$0
2.10%
▼ 0.97% below Michigan avg
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.07%▼ 0.97% below avgNationally 2.91%
Details
Effective Date: October 01, 2026
Rate History
No change since Sep 12, 2026 · 2.10% APY · checked 2 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1600 E Beltline Ave NE Ste 111, Grand Rapids, MI 49525 7024
Share and IRA Certificates - 60 Months
$0
2.10%
▼ 0.97% below Michigan avg
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.07%▼ 0.97% below avgNationally 2.91%
Details
APY with Bonus Rate: 2.20%
Rate History
No change since Oct 12, 2026 · 2.10% APY
Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
6000 28th St SE, Grand Rapids, MI 49546
5 Years Certificate of Deposit
$0
1.75%
▼ 1.32% below Michigan avg
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.07%▼ 1.32% below avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 5 times
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1319 Front Ave NW, Grand Rapids, MI 49504
60 Month CD
$500
1.31%
▼ 1.76% below Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▼ 1.76% below avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 1.31% APY · checked 6 times
Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
670 Cascade West Pkwy Se, Grand Rapids, MI 49546
60 Month Business Certificate of Deposit (CD)
$500
1.25%
▼ 1.82% below Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.07%▼ 1.82% below avgNationally 2.91%
Details
Rate History
No change since Sep 19, 2026 · 1.25% APY · checked 6 times
Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
670 Cascade West Pkwy Se, Grand Rapids, MI 49546
Certificate of Deposit - 60 Month
$500
1.25%
▼ 1.82% below Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.07%▼ 1.82% below avgNationally 2.91%
Details
Rate History
No change since Oct 14, 2026 · 1.25% APY
Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
6770 Kalamazoo Ave SE, Grand Rapids, MI 49508 7032
60 Month CD
$1,000
1.10%
▼ 1.97% below Michigan avg
▼
Rate1.09%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▼ 1.97% below avgNationally 2.91%
Details
Balance: $25,000+; $1,000 minimum deposit required; Early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 1.10% APY · checked 5 times
Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
6770 Kalamazoo Ave SE, Grand Rapids, MI 49508 7032
60 Month CD
$1,000
1.01%
▼ 2.06% below Michigan avg
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▼ 2.06% below avgNationally 2.91%
Details
Balance: $1,000-$24,999; $1,000 minimum deposit required; Early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 1.01% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
171 Monroe Ave Nw, Grand Rapids, MI 49503
60 Month Certificate of Deposit
$0
0.03%
▼ 3.04% below Michigan avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.07%▼ 3.04% below avgNationally 2.91%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
171 Monroe Ave Nw, Grand Rapids, MI 49503
IRA CD - 60 Months
$250
0.03%
▼ 3.04% below Michigan avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.07%▼ 3.04% below avgNationally 2.91%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
171 Monroe Ave Nw, Grand Rapids, MI 49503
60 Month Certificate of Deposit
$0
0.02%
▼ 3.05% below Michigan avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.07%▼ 3.05% below avgNationally 2.91%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
171 Monroe Ave Nw, Grand Rapids, MI 49503
IRA CD - 60 Months
$250
0.02%
▼ 3.05% below Michigan avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.07%▼ 3.05% below avgNationally 2.91%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
171 Monroe Ave Nw, Grand Rapids, MI 49503
60 Month Certificate of Deposit
$0
0.01%
▼ 3.06% below Michigan avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.07%▼ 3.06% below avgNationally 2.91%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
171 Monroe Ave Nw, Grand Rapids, MI 49503
IRA CD - 60 Months
$250
0.01%
▼ 3.06% below Michigan avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.07%▼ 3.06% below avgNationally 2.91%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
Michigan One Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
60 Month Minor CD Special
$100
5.12%
▲ 2.05% above Michigan avg
▼
Rate5.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 2.05% above avgNationally 2.91%
Details
Dividend Rate (as APR) 5.00%; Minimum $100 Min/$5000 Max; Opening balance range $100 to $5,000
Rate History
No change since Sep 18, 2026 · 5.12% APY · checked 2 times
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
60 Month Relationship CD
$2,500
4.75%
▲ 1.68% above Michigan avg
▼
Rate4.67%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Michigan Average3.07%▲ 1.68% above avgNationally 2.91%
Details
Minimum $2500 to open; Relationship is defined as Direct Deposit Checking
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
- Sep 24, 20264.75%▲ from 4.35%
- Sep 14, 20264.35%first recorded
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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Grand Rapids, MI CD Rate Trends
Compare local Grand Rapids, MI CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD MI Avg
3.119%
▲ 0.008 vs 7 days ago
Michigan 12-month CD rates rose 0.008 points over the past 7 days to 3.119% APY.
6-Month CD MI Avg
2.866%
▲ 0.014 vs 7 days ago
Michigan 6-month CD rates rose 0.014 points over the past 7 days to 2.866% APY.
As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions
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MI CD Rate Forecast, Next 12 Months
Where are Michigan CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MI 12-Month Avg APY
3.119%
6-Month Forecast
3.119%
Range: 2.92%, 3.27%
12-Month Forecast
3.369%
Range: 3.17%, 3.52%
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What Your Savings Earn at MI CD Rates Today
Annual interest earnings at today’s Michigan average APYs. State average used where available; national average as fallback.
| CD Term | MI Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.126% | $106.32 | $212.63 | $531.58 | $1,063.15 |
| 6-Month CD | 2.866% | $143.28 | $286.55 | $716.38 | $1,432.75 |
| 12-Month CD | 3.119% | $155.93 | $311.85 | $779.63 | $1,559.25 |
| 18-Month CD | 3.096% | $154.80 | $309.60 | $774.00 | $1,548.00 |
| 24-Month CD | 2.975% | $148.74 | $297.49 | $743.72 | $1,487.45 |
| 36-Month CD | 2.936% | $146.82 | $293.63 | $734.08 | $1,468.15 |
| 48-Month CD | 3.002% | $150.08 | $300.16 | $750.40 | $1,500.80 |
| 60-Month CD | 3.067% | $153.33 | $306.66 | $766.65 | $1,533.30 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026. | |||||
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Sample CD Ladder for Grand Rapids, Michigan Savers
$25,000 split equally across 5 terms using today’s Michigan average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | MI Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.126% | $106.32 |
| 2 | 6-Month CD | $5,000 | 2.866% | $143.28 |
| 3 | 12-Month CD | $5,000 | 3.119% | $155.93 |
| 4 | 24-Month CD | $5,000 | 2.975% | $148.74 |
| 5 | 36-Month CD | $5,000 | 2.936% | $146.82 |
| Total ($25,000 invested) | $25,000 | 2.804% blended | $701.09/yr | |
Ladder example uses equal $5,000 rungs and Michigan average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
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1,982
CD Rates
Tracked in Grand Rapids, Michigan
Tracked in Grand Rapids, Michigan
21 Banks
90 Credit Unions
About Our Grand Rapids, Michigan CD Rate Database
MonitorBankRates tracks 1,982 CD rates from 21 banks and 90 credit unions with locations in Grand Rapids, Michigan, plus national online institutions available to Michigan residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: First National Bank of Michigan offers a CD at 5.00% APY with a minimum deposit of $10,000. 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 90 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: 111 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Grand Rapids, Michigan savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare 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
$122/yr
At MI 12-mo avg 3.119% APY
12.9% of residents are 65 or older, below the national average of 17.3%. At today’s MI 12-month CD average of 3.119%, saving 10% of the local median salary ($3,910/year) and putting it in a CD would earn an additional $122 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Grand Rapids, Michigan
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Grand Rapids, Michigan
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Grand Rapids, Michigan typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Grand Rapids, Michigan as everywhere in the U.S.
Choosing a CD Term in Grand Rapids, Michigan
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Grand Rapids, Michigan savers easier access to their funds. For example, First National Bank of Michigan is offering its Rising Rate Certificate of Deposit - Third 6-month Term at 4.75% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, First National Bank of America (FNBA) is offering its 60 Month Certificate of Deposit at 4.60% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Grand Rapids, Michigan Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Grand Rapids, Michigan saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Grand Rapids, Michigan
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Grand Rapids, Michigan CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Grand Rapids, Michigan
Most CDs carry a fixed rate that is locked for the entire term, protecting a Grand Rapids, Michigan depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Grand Rapids, Michigan
Are CD rates in Grand Rapids, Michigan FDIC insured?
Yes, most established banks in Grand Rapids, Michigan are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Grand Rapids, Michigan?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Grand Rapids, Michigan.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Grand Rapids, Michigan may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Grand Rapids, Michigan?
Here are recent top rates found for this area:
- First National Bank of Michigan: 5.00% APY (3-Year Rising Rate Certificate of Deposit - Year 3 term)
- First National Bank of America (FNBA): 4.60% APY (60 Month Certificate of Deposit)
- Intandem Credit Union: 4.50% APY (12 Month Youth Share Certificate)
- Michigan State University Federal Credit Union: 4.40% APY (5-Year Certificate or IRA-HSA Jumbo)
- Dfcu Financial Credit Union: 4.40% APY (2 Year Business Share Certificates)
- Adventure Credit Union: 4.35% APY (60 month CD)
- Flagstar Bank, National Association: 4.30% APY (12 Month Business CD)
- Meijer Credit Union: 4.25% APY (24 Month Certificate of Deposit)
- LMCU Lake Michigan Credit Union: 4.15% APY (60 Month IRA/HSA CD - VIP Bonus)
- United Bank of Michigan: 4.00% APY (CD Special - 24 Month Term)
Rates reflect recent verified offers available in Grand Rapids, Michigan. Last Updated: October 14, 2026
Grand Rapids, Michigan CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Grand Rapids, Michigan rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Grand Rapids, Michigan
Grand Rapids, Michigan CD Calculator
At today’s MI top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.
Grand Rapids, Michigan CD LadderMI CD rates currently range from 2.126% (3-month) to 2.936% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Grand Rapids, Michigan CD at 5.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsMichigan’s average 12-month CD is 3.119% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Grand Rapids, Michigan CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Grand Rapids, Michigan directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Grand Rapids, Michigan. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in MI.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 14, 2026
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