Bank · FDIC insured
Sturgis Bank & Trust CD Rates
Sturgis Bank & Trust’s best CD rate is 4.26% APY on a 23-month CD. Terms run from 7 months to 23 months. Rates checked October 16, 2026.
How Sturgis Bank & Trust’s CD rates compare
Compared with banks and credit unions near Sturgis, MI, where Sturgis Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
Sturgis Bank & Trust
4.26%APY
- Term
- 23 months
- Minimum
- $5,000
- Earns on $10,000
- $832
Certificate of Deposit
Top rate
KCCU
4.45%APY
- Term
- 5 months
- Minimum
- $500
- Earns on $10,000
- $183
2nd-highest rate
Flagstar Bank
4.30%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $430
Sturgis Bank & Trust CD score
89
CD score
Higher than 90% of U.S. banks and credit unions
- 3–8 months3–8 mo4.15%
- 9–15 months9–15 mo4.20%
- 16–30 months16–30 mo4.26%
- QualifiedQualified4.26%
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 Sturgis Bank & Trust 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.
Certificate of Deposit
Up to 4.26%APY · 3 terms
Automatic renewal at maturity. Compound interest paid quarterly to CD account or transferred to another bank account. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 months7-month special certificate of deposit. Certificates will automatically renew at the renewal rate for certificates having a term of 6 months. Rates are effective for a limited time | 4.15% | $240 |
| 13 months13-month special certificate of deposit. Certificates will automatically renew at the renewal rate for certificates having a term of 12 months. Rates are effective for a limited time | 4.20% | $456 |
| 23 months23-month special certificate of deposit. Certificates will automatically renew at the renewal rate for certificates having a term of 12 months. Rates are effective for a limited time | 4.26% | $832 |
Sources (1)
- sturgis.bank/personal/cd-ira · captured Oct 16, 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.