Bank · FDIC insured
United Bank of Michigan CD Rates
United Bank of Michigan’s best CD rate is 4.00% APY on a 2-year CD. Terms run from 1 year to 2 years. Rates checked October 16, 2026.
How United Bank of Michigan’s CD rates compare
Compared with banks and credit unions near Grand Rapids, MI, where United Bank of Michigan has the most branches. $10,000, best rate first.
This bank’s best
United Bank of Michigan
4.00%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $816
Certificates 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
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 4.00%APY · 2 terms
No monthly service charges. Minimum opening deposit of $500. Terms from 90 days to 5 years. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsCD Special. Not valid with any other offers. Promotion special may end at any time. Penalty for early withdrawal | 3.75% | $375 |
| 24 monthsCD Special. Not valid with any other offers. Promotion special may end at any time. Penalty for early withdrawal | 4.00% | $816 |
Sources (3)
- unitedbank4u.com/personal/savings
- unitedbank4u.com/personal/savi…/certificates-of-deposit
- unitedbank4u.com
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.