Bank · FDIC insured
Isabella Bank CD Rates
Isabella Bank’s best CD rate is 3.00% APY on a 1-month CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How Isabella Bank’s CD rates compare
Compared with banks and credit unions near Mount Pleasant, MI, where Isabella Bank has the most branches. $10,000, best rate first.
This bank’s best
Isabella Bank
3.00%APY
- Term
- 1 month
- Minimum
- —
- Earns on $10,000
- $25
Certificates of Deposit (CDs)
Top rate
PNC
4.25%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $461
2nd-highest rate
Members First Credit Union
4.25%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $534
Isabella Bank CD score
66
CD score
Higher than 17% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo3.00%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo2.10%
- QualifiedQualified3.00%
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 Isabella 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 Deposit (CDs)
Up to 3.00%APY · 9 terms
Fixed rate for the time horizon chosen from 1 month to 5 years. Penalty for early withdrawal.
| Term | APY · Up to $10,000 | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 1 monthPenalty for early withdrawal | 2.75% | 3.00% | 3.00%2.75% to $10k | $25 |
| 2 monthsPenalty for early withdrawal | 2.75% | 3.00% | 3.00%2.75% to $10k | $49 |
| 3–5 monthsPenalty for early withdrawal | 2.75% | 3.00% | 3.00%2.75% to $10k | $74 |
| 6–11 monthsPenalty for early withdrawal | 2.75% | 3.00% | 3.00%2.75% to $10k | $149 |
| 12 monthsPenalty for early withdrawal | 2.75% | 3.00% | 3.00%2.75% to $10k | $300 |
| 24 monthsPenalty for early withdrawal | 2.75% | 3.00% | 3.00%2.75% to $10k | $609 |
| 36 monthsPenalty for early withdrawal | 2.00% | 2.10% | 2.10%2.00% to $10k | $643 |
| 48 monthsPenalty for early withdrawal | 2.00% | 2.10% | 2.10%2.00% to $10k | $867 |
| 60 monthsPenalty for early withdrawal | 2.00% | 2.10% | 2.10%2.00% to $10k | $1,095 |
Special-purpose accounts
IRA Certificates of Deposit
Up to 3.00%APY · 7 terms
Penalty for early withdrawal.
| Term | APY · Up to $10,000 | APY · Any balance | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 monthsPenalty for early withdrawal | 2.75% | — | 3.00% | 3.00%2.75% to $10k | $300 |
| 18 monthsPenalty for early withdrawal | 2.75% | — | 3.00% | 3.00%2.75% to $10k | $453 |
| 24 monthsPenalty for early withdrawal | 2.75% | — | 3.00% | 3.00%2.75% to $10k | $609 |
| 30 months30 Month IRA CD allows contributions at any time. The 30 Month IRA CD is not eligible for rollover funds. Penalty for early withdrawal | — | 2.75% | — | 2.75% | $702 |
| 30 monthsThe 30 Month IRA CD is not eligible for rollover funds. Penalty for early withdrawal | — | — | 2.99% | 2.99% | $764 |
| 36 monthsPenalty for early withdrawal | 2.00% | — | 2.10% | 2.10%2.00% to $10k | $643 |
| 48 monthsPenalty for early withdrawal | 2.00% | — | 2.10% | 2.10%2.00% to $10k | $867 |
| 60 monthsPenalty for early withdrawal | 2.00% | — | 2.10% | 2.10%2.00% to $10k | $1,095 |
Sources (1)
- isabellabank.com/rates · captured Oct 5, 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.