Credit union · NCUA insured
GR Consumers Credit Union CD Rates
Top CarrotGR Consumers Credit Union’s best CD rate is 4.15% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How GR Consumers Credit Union’s CD rates compare
Compared with banks and credit unions near Grand Rapids, MI, where GR Consumers Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
GR Consumers Credit Union
4.15%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $205
Certificate of Deposit
Top rate
Ignite Credit Union
4.70%APY
- Term
- 15 months
- Minimum
- $50
- Earns on $10,000
- $591
2nd-highest rate
KCCU
4.45%APY
- Term
- 5 months
- Minimum
- $500
- Earns on $10,000
- $183
GR Consumers Credit Union CD score
83
CD score
Higher than 61% of U.S. banks and credit unions
- 3–8 months3–8 mo4.15%
- 9–15 months9–15 mo3.90%
- 16–30 months16–30 mo1.11%
- 31–60 months31–60 mo1.41%
- QualifiedQualified4.15%
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 GR Consumers Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 4.15%APY · 8 terms
Must maintain a Share Savings Account with a minimum balance of $5.00 for credit union membership. Gold and Platinum members are eligible for bonus rates. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsGold and Platinum members are eligible for bonus rates. Early withdrawal penalty applies | 4.15% | $205 |
| 9 monthsGold and Platinum members are eligible for bonus rates. Early withdrawal penalty applies | 1.00% | $75 |
| 12 monthsGold and Platinum members are eligible for bonus rates. Early withdrawal penalty applies | 3.90% | $390 |
| 18 monthsGold and Platinum members are eligible for bonus rates. Early withdrawal penalty applies | 1.06% | $159 |
| 24 monthsGold and Platinum members are eligible for bonus rates. Early withdrawal penalty applies | 1.11% | $223 |
| 36 monthsGold and Platinum members are eligible for bonus rates. Early withdrawal penalty applies | 1.21% | $367 |
| 48 monthsGold and Platinum members are eligible for bonus rates. Early withdrawal penalty applies | 1.31% | $534 |
| 60 monthsGold and Platinum members are eligible for bonus rates. Early withdrawal penalty applies | 1.41% | $725 |
Sources (3)
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificate
Up to 3.90%APY · 5 terms
Must maintain a Share Savings Account with a minimum balance of $5.00 for credit union membership. Available for Traditional and Roth IRA options. No set up or maintenance fees. Gold and Platinum members are eligible for bonus rates. Early withdrawal fees/penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsGold and Platinum members are eligible for bonus rates. Early withdrawal penalty/fees may apply | 3.90% | $390 |
| 24 monthsGold and Platinum members are eligible for bonus rates. Early withdrawal penalty/fees may apply | 1.11% | $223 |
| 36 monthsGold and Platinum members are eligible for bonus rates. Early withdrawal penalty/fees may apply | 1.21% | $367 |
| 48 monthsGold and Platinum members are eligible for bonus rates. Early withdrawal penalty/fees may apply | 1.31% | $534 |
| 60 monthsGold and Platinum members are eligible for bonus rates. Early withdrawal penalty/fees may apply | 1.41% | $725 |
Who can join GR Consumers Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.