Bank · FDIC insured
Thumb Bank & Trust CD Rates
Thumb Bank & Trust’s best CD rate is 3.55% APY on a 30-month CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How Thumb Bank & Trust’s CD rates compare
Compared with banks and credit unions near Saginaw, MI, where Thumb Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
Thumb Bank & Trust
3.55%APY
- Term
- 30 months
- Minimum
- $500
- Earns on $10,000
- $911
Certificates of Deposit (CDs)
Top rate
Health Advantage Credit Union
4.50%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $336
2nd-highest rate
Dow Credit Union
4.50%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $488
Thumb Bank & Trust CD score
68
CD score
Higher than 22% of U.S. banks and credit unions
- 3–8 months3–8 mo1.51%
- 9–15 months9–15 mo2.02%
- 16–30 months16–30 mo3.55%
- 31–60 months31–60 mo2.02%
- QualifiedQualified3.55%
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 Thumb 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.
Certificates of Deposit (CDs)
Up to 3.55%APY · 13 terms
Stop by any Thumb Bank & Trust office to open a Certificate of Deposit. Penalty for early withdrawal may be imposed. Fees may reduce earnings.
| Term | APY · $500 and up | APY · $1,000 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| Unknown | — | 1.41% | — | 1.41% | $0 |
| 1 month | 0.50% | — | — | 0.50% | $4 |
| 6 months | — | 1.51% | — | 1.51% | $75 |
| 7 monthsNo penalty | — | — | 1.41% | 1.41% | $82 |
| 9 months | 1.56% | — | — | 1.56% | $117 |
| 12 months | 2.02% | — | — | 2.02% | $202 |
| 15 months | 1.61% | — | — | 1.61% | $202 |
| 18 months | 1.63% | — | — | 1.63% | $245 |
| 24 months | 1.66% | — | — | 1.66% | $335 |
| 30 months | 3.55% | — | — | 3.55% | $911 |
| 36 months | 1.71% | — | — | 1.71% | $522 |
| 48 months | 1.76% | — | — | 1.76% | $723 |
| 60 months | 2.02% | — | — | 2.02% | $1,052 |
Sources (1)
- thumb.bank/Personal/Deposits/CDs-IRAs · captured Sep 18, 2026
Special-purpose accounts
Individual Retirement Account (IRAs)
Up to 3.55%APY · 9 terms
Interest rate is set at time of purchase and guaranteed to full maturity; earned interest compounded quarterly; automatically renewable upon maturity; penalty for early withdrawal. Choose from Traditional, Roth, and Coverdell Educational IRAs. Can start an IRA account with as little as $1,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 months | 1.56% | $117 |
| 12 months | 2.02% | $202 |
| 15 months | 1.61% | $202 |
| 18 months | 1.63% | $245 |
| 24 months | 1.66% | $335 |
| 30 months | 3.55% | $911 |
| 36 months | 1.71% | $522 |
| 48 months | 1.76% | $723 |
| 60 months | 2.02% | $1,052 |
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.