Bank · FDIC insured
Alden State Bank CD Rates
Alden State Bank’s best CD rate is 3.40% APY on a 3-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Alden State Bank’s CD rates compare
Compared with banks and credit unions in Michigan, where Alden State Bank has the most branches. $10,000, best rate first.
This bank’s best
Alden State Bank
3.40%APY
- Term
- 3 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $85
Certificates of Deposits
Top rate
FreeStar Financial Credit Union
5.25%APY
- Term
- 18 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $798
2nd-highest rate
Diversified Members Credit Union
5.15%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $515
Alden State Bank CD score
69
CD score
Higher than 23% of U.S. banks and credit unions
- 3–8 months3–8 mo3.40%
- 9–15 months9–15 mo2.30%
- 16–30 months16–30 mo2.45%
- 31–60 months31–60 mo2.95%
- QualifiedQualified3.40%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Alden State Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposits
Up to 3.40%APY · 11 terms
Flexible terms up to 5 years; additional deposits not permitted. Interest begins accruing on business day of deposit. Deposits accepted only from customers with a primary or secondary residence in local communities.
| Term | APY · $1,000 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 1 monthTerm: 7 to 31 Days. Early withdrawal penalty: Up to 1 month | — | 2.10% | 2.10% | $4 |
| 3 monthsTerm: 91 Days. Early withdrawal penalty: 3 month | — | 3.40% | 3.40% | $85 |
| 6 monthsTerm: 182 Days. Early withdrawal penalty: 3 month | 2.20% | — | 2.20% | $111 |
| 12 monthsTerm: 12 Months. Early withdrawal penalty: 3 month | 2.30% | — | 2.30% | $230 |
| 13 monthsTerm: 13 Months. Early withdrawal penalty: 6 months | 2.30% | — | 2.30% | $249 |
| 18 monthsTerm: 18 Months. Early withdrawal penalty: 6 months | 2.35% | — | 2.35% | $355 |
| 24 monthsTerm: 24 Months. Early withdrawal penalty: 6 months | 2.45% | — | 2.45% | $496 |
| 30 monthsTerm: 30 Months. Early withdrawal penalty: 12 months | 2.45% | — | 2.45% | $624 |
| 36 monthsTerm: 36 Month. Early withdrawal penalty: 12 months | 2.35% | — | 2.35% | $722 |
| 48 monthsTerm: 48 Months. Early withdrawal penalty: 12 months | 2.50% | — | 2.50% | $1,038 |
| 60 monthsTerm: 60 Months. Early withdrawal penalty: 12 months | 2.95% | — | 2.95% | $1,565 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs)
Up to 3.40%APY · 11 terms
IRAs are CDs only (available as Traditional, Roth, SEP, and Educational IRAs). Guaranteed fixed interest rate shares standard CD interest rates. Flexible terms up to 5 years; direct rollovers and transfers from other IRAs accepted. Deposits accepted only from customers with a primary or secondary residence in local communities.
| Term | APY · $1,000 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 1 monthTerm: 7 to 31 Days. Early withdrawal penalty: Up to 1 month | — | 2.10% | 2.10% | $4 |
| 3 monthsTerm: 91 Days. Early withdrawal penalty: 3 month | — | 3.40% | 3.40% | $85 |
| 6 monthsTerm: 182 Days. Early withdrawal penalty: 3 month | 2.20% | — | 2.20% | $111 |
| 12 monthsTerm: 12 Months. Early withdrawal penalty: 3 month | 2.30% | — | 2.30% | $230 |
| 13 monthsTerm: 13 Months. Early withdrawal penalty: 6 months | 2.30% | — | 2.30% | $249 |
| 18 monthsTerm: 18 Months. Early withdrawal penalty: 6 months | 2.35% | — | 2.35% | $355 |
| 24 monthsTerm: 24 Months. Early withdrawal penalty: 6 months | 2.45% | — | 2.45% | $496 |
| 30 monthsTerm: 30 Months. Early withdrawal penalty: 12 months | 2.45% | — | 2.45% | $624 |
| 36 monthsTerm: 36 Month. Early withdrawal penalty: 12 months | 2.35% | — | 2.35% | $722 |
| 48 monthsTerm: 48 Months. Early withdrawal penalty: 12 months | 2.50% | — | 2.50% | $1,038 |
| 60 monthsTerm: 60 Months. Early withdrawal penalty: 12 months | 2.95% | — | 2.95% | $1,565 |
Sources (2)
All captured Sep 18, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.