Bank · FDIC insured
Highpoint Community Bank CD Rates
Highpoint Community Bank’s best CD rate is 3.76% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Highpoint Community Bank’s CD rates compare
Compared with banks and credit unions near Grand Rapids, MI, where Highpoint Community Bank has the most branches. $10,000, best rate first.
This bank’s best
Highpoint Community Bank
3.76%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $376
CDs
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
Highpoint Community Bank CD score
76
CD score
Higher than 41% of U.S. banks and credit unions
- 3–8 months3–8 mo3.61%
- 9–15 months9–15 mo3.76%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo2.75%
- QualifiedQualified3.76%
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 Highpoint Community 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.
CDs
Up to 3.76%APY · 7 terms
Minimum to open $500. Minimum balance of $500 required to obtain stated APY. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months90 Day (3 Month) term. Minimum to open $500. Minimum balance of $500 required to obtain stated APY. Penalty may be imposed for early withdrawal | 3.55% | $88 |
| 6 months182 Day (6 Month) term. Minimum to open $500. Minimum balance of $500 required to obtain stated APY. Penalty may be imposed for early withdrawal | 3.61% | $179 |
| 12 months1 Year term. Minimum to open $500. Minimum balance of $500 required to obtain stated APY. Penalty may be imposed for early withdrawal | 3.76% | $376 |
| 18 months18 Month term. Minimum to open $500. Minimum balance of $500 required to obtain stated APY. Penalty may be imposed for early withdrawal | 3.00% | $453 |
| 24 months2 Year term. Minimum to open $500. Minimum balance of $500 required to obtain stated APY. Penalty may be imposed for early withdrawal | 3.00% | $609 |
| 36 months3 Year term. Minimum to open $500. Minimum balance of $500 required to obtain stated APY. Penalty may be imposed for early withdrawal | 2.75% | $848 |
| 60 months5 Year term. Minimum to open $500. Minimum balance of $500 required to obtain stated APY. Penalty may be imposed for early withdrawal | 2.75% | $1,453 |
Sources (1)
- highpointcommunitybank.com/Rates · captured Oct 16, 2026
Opening an account
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