Bank · FDIC insured
West Shore Bank CD Rates
West Shore Bank’s best CD rate is 3.00% APY on a 3-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How West Shore Bank’s CD rates compare
Compared with banks and credit unions near Ludington, MI, where West Shore Bank has the most branches. $10,000, best rate first.
This bank’s best
West Shore Bank
3.90%APY
- Term
- 3 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $96
CD Specials
Top rate
PNC
4.25%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $461
2nd-highest rate
Huntington Bank
4.10%APY
- Term
- 5 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $169
West Shore Bank CD score
67
CD score
Higher than 20% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo2.50%
- 16–30 months16–30 mo2.52%
- 31–60 months31–60 mo2.78%
- QualifiedQualified3.90%
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 Shore 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.
CD Specials
Up to 3.90%APY · 3 terms
A West Shore Bank Checking Account is required. Minimum balance of $500 required to open.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsA West Shore Bank Checking Account is required | 3.90% | $96 |
| 6 monthsA West Shore Bank Checking Account is required | 3.80% | $188 |
| 12 monthsA West Shore Bank Checking Account is required | 3.35% | $335 |
Sources (1)
- westshorebank.com/bank/personal/certificates-of-deposit · captured Sep 18, 2026
Certificates of Deposit (CDs)
Up to 3.00%APY · 9 terms
No monthly fees. Minimum balance to open is $500. Daily balance required to obtain APY.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.00% | $74 |
| 6 months | 2.75% | $137 |
| 9 months | 2.50% | $187 |
| 12 months | 2.25% | $225 |
| 18 months | 2.27% | $342 |
| 24 months | 2.52% | $510 |
| 36 months | 2.52% | $775 |
| 48 months | 2.52% | $1,047 |
| 60 months | 2.78% | $1,469 |
Sources (1)
- westshorebank.com/bank/personal/certificates-of-deposit · captured Sep 18, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs)
Up to 2.52%APY · 4 terms
Fixed rate IRA certificates of deposit. Minimum balance to open and obtain APY is $500.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFixed rate | 2.02% | $202 |
| 24 monthsFixed rate | 2.52% | $510 |
| 36 monthsFixed rate | 2.52% | $775 |
| 48 monthsFixed rate | 2.52% | $1,047 |
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.