Credit union · NCUA insured
West Michigan Credit Union CD Rates
West Michigan Credit Union’s best CD rate is 3.75% APY on a 6-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How West Michigan Credit Union’s CD rates compare
Compared with banks and credit unions near Grand Rapids, MI, where West Michigan Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
West Michigan Credit Union
3.75%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $186
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
West Michigan Credit Union CD score
72
CD score
Higher than 32% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo1.76%
- 31–60 months31–60 mo2.02%
- QualifiedQualified3.75%
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 West Michigan Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 3.75%APY · 11 terms
$5.00 Savings Account required. Penalty for early withdrawal. Jumbo CD ($100,000 plus) rate bumps not available on CD Specials.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.55% | $14 |
| 6 months | 1.00% | $50 |
| 6 monthsLimited time offer begins 8/4/25. Jumbo CD ($100,000 plus) rate bumps not available on CD Specials. Corresponding 3.69% APR | 3.75% | $186 |
| 9 months | 1.00% | $75 |
| 12 months | 1.26% | $126 |
| 12 monthsLimited time offer begins 8/4/25. Jumbo CD ($100,000 plus) rate bumps not available on CD Specials. Corresponding 3.44% APR | 3.50% | $350 |
| 15 months | 1.26% | $158 |
| 18 months | 1.26% | $190 |
| 24 months | 1.76% | $355 |
| 30 months | 1.76% | $446 |
| 36 months | 2.02% | $618 |
| 48 months | 1.16% | $472 |
| 60 months | 1.31% | $672 |
Sources (1)
- westmichigancu.com/certificate-of-deposit · captured Oct 16, 2026
Special-purpose accounts
IRA Certificates
Up to 3.75%APY · 11 terms
$5.00 Savings Account required. Penalty for early withdrawal. Jumbo CD ($100,000 plus) rate bumps not available on CD Specials.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.55% | $14 |
| 6 months | 1.00% | $50 |
| 6 monthsLimited time offer begins 8/4/25. Jumbo CD ($100,000 plus) rate bumps not available on CD Specials | 3.75% | $186 |
| 9 months | 1.00% | $75 |
| 12 months | 1.26% | $126 |
| 12 monthsLimited time offer begins 8/4/25. Jumbo CD ($100,000 plus) rate bumps not available on CD Specials | 3.50% | $350 |
| 15 months | 1.26% | $158 |
| 18 months | 1.26% | $190 |
| 24 months | 1.76% | $355 |
| 30 months | 1.76% | $446 |
| 36 months | 2.02% | $618 |
| 48 months | 1.16% | $472 |
| 60 months | 1.31% | $672 |
Who can join West Michigan Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, or have their place of religious worship in specified Michigan counties are eligible for membership.
Employers and groups
- Employees and pensioners of Miller Industries, Inc., Reed City, Michigan are eligible for membership.
- Team Members of West Michigan Credit Union, A Division of WMCU are eligible for membership.
Military, government and schools
- Employees or pensioners of the State of Michigan who work or live in Leelanau County, Michigan are eligible for membership.
Family and household
- Members and immediate families of the foregoing eligible persons are eligible for membership.
- A spouse of a deceased member is eligible for membership if elected to membership prior to remarriage.
Membership information collected October 5, 2026.