Compare Bank & Credit Union Rates
Best CD rates in Grand Rapids, MI
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 16–30 results in Grand Rapids, MI
- 3.87%APY$224 over 7 months on $10,000with conditions
Requirements
Product: CD Special requires an Independent Bank checking account. Interest is compounded monthly and paid to the account monthly. Minimum balance to earn interest is $0.01. Early withdrawal penalty applies (three months interest for terms of one year or less). Automatically renews at maturity with a 10 calendar day grace period. Rates apply to personal CDs.
Offer: Requires an Independent Bank checking account.
Qualified rate · 3.80% interest rate · Compounded monthly · Effective Oct 14, 2026
Rate checked
More details - 3.80%APY$188 over 6 months on $10,000
Requirements
Product: Account fees may reduce earnings on certificates. Traditional CD may be opened for as little as $500 with 6 to 24 month options.
Effective Oct 15, 2026
Rate checked
More details - 3.76%APY$93 over 3 months on $10,000with conditions
Requirements
Product: CD Special requires an Independent Bank checking account. Interest is compounded monthly and paid to the account monthly. Minimum balance to earn interest is $0.01. Early withdrawal penalty applies (three months interest for terms of one year or less). Automatically renews at maturity with a 10 calendar day grace period. Rates apply to personal CDs.
Offer: Requires an Independent Bank checking account.
Qualified rate · 3.70% interest rate · Compounded monthly · Effective Oct 14, 2026
Rate checked
More details - 3.75%APY$186 over 6 months on $10,000
Requirements
Product: $5.00 Savings Account required. Penalty for early withdrawal. Jumbo CD ($100,000 plus) rate bumps not available on CD Specials.
Offer: Limited time offer begins 8/4/25. Jumbo CD ($100,000 plus) rate bumps not available on CD Specials. Corresponding 3.69% APR.
Rate checked
More details - 3.70%APY$1,992 over 60 months on $10,000
Requirements
Product: CD terms available between 7 days - 60 months. Early withdrawal penalties may be imposed. Fees could reduce earnings. Subject to Northpointe Bank approval.
3.64% interest rate · Effective Oct 15, 2026
Rate checked
More details - Michigan First Credit Union60 Month Certificate AccountCD · 60 months · $1,000 min · 1.00%–3.71% by balance
Credit union · 2 branches
3.56%APY$1,911 over 60 months on $10,000Requirements
Product: Minimum balance to open an account and earn advertised APY is $1,000. Early withdrawal penalty applies. Fees may reduce earnings.
Offer: Balance $1,000 to $9,999 required.
1.00% interest rate
Rate by balance
Rate by balance for 60 Month Certificate Account Balance APY $1,000 – $9,999 1.00% $10,000 – $49,999Your amount 3.56% $50,000 – $99,999 3.61% $100,000 – $499,999 3.66% $500,000 and up 3.71% Rate checked
More details - Michigan First Credit Union12 Month Certificate AccountCD · 12 months · $1,000 min · 0.90%–3.71% by balance
Credit union · 2 branches
3.51%APY$351 over 1 year on $10,000Requirements
Product: Minimum balance to open an account and earn advertised APY is $1,000. Early withdrawal penalty applies. Fees may reduce earnings.
Offer: Balance $1,000 to $9,999 required.
0.90% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 12 Month Certificate Account Balance APY $1,000 – $9,999 0.90% $10,000 – $49,999Your amount 3.51% $50,000 – $99,999 3.51% $100,000 – $499,999 3.61% $500,000 and up 3.71% Rate checked
More details - Michigan First Credit Union24 Month Certificate AccountCD · 24 months · $1,000 min · 1.26%–3.82% by balance
Credit union · 2 branches
3.40%APY$692 over 24 months on $10,000Requirements
Product: Minimum balance to open an account and earn advertised APY is $1,000. Early withdrawal penalty applies. Fees may reduce earnings.
Offer: Balance $1,000 to $9,999 required.
1.25% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 24 Month Certificate Account Balance APY $1,000 – $9,999 1.26% $10,000 – $49,999Your amount 3.40% $50,000 – $99,999 3.40% $100,000 – $499,999 3.61% $500,000 and up 3.82% Rate checked
More details - 3.40%APY$1,820 over 60 months on $10,000
Effective Jun 1, 2026
Rate by balance
Rate by balance for Regular CDs Balance APY Any balance 3.30% $10,000 and upYour amount 3.40% Rate checked
More details - Michigan First Credit Union48 Month Certificate AccountCD · 48 months · $1,000 min · 0.95%–3.66% by balance
Credit union · 2 branches
3.35%APY$1,409 over 48 months on $10,000Requirements
Product: Minimum balance to open an account and earn advertised APY is $1,000. Early withdrawal penalty applies. Fees may reduce earnings.
Offer: Balance $1,000 to $9,999 required.
0.95% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 48 Month Certificate Account Balance APY $1,000 – $9,999 0.95% $10,000 – $49,999Your amount 3.35% $50,000 – $99,999 3.45% $100,000 – $499,999 3.56% $500,000 and up 3.66% Rate checked
More details - Michigan First Credit Union6 Month Certificate AccountCD · 6 months · $1,000 min · 0.80%–3.56% by balance
Credit union · 2 branches
3.30%APY$164 over 6 months on $10,000Requirements
Product: Minimum opening deposit $1,000. Balance tiers required to earn stated APY.
Offer: Balance $1,000 to $9,999 required.
0.80% interest rate
Rate by balance
Rate by balance for 6 Month Certificate Account Balance APY $1,000 – $9,999 0.80% $10,000 – $49,999Your amount 3.30% $50,000 – $99,999 3.30% $100,000 – $499,999 3.40% $500,000 and up 3.56% Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - Michigan First Credit Union36 Month Certificate AccountCD · 36 months · $1,000 min · 0.90%–3.56% by balance
Credit union · 2 branches
3.30%APY$1,023 over 36 months on $10,000Requirements
Product: Minimum balance to open an account and earn advertised APY is $1,000. Early withdrawal penalty applies. Fees may reduce earnings.
Offer: Balance $1,000 to $9,999 required.
0.90% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 36 Month Certificate Account Balance APY $1,000 – $9,999 0.90% $10,000 – $49,999Your amount 3.30% $50,000 – $99,999 3.35% $100,000 – $499,999 3.56% $500,000 and up 3.56% Rate checked
More details - 3.24%APY$772 over 28 months on $10,000intro rate
Requirements
Product: Allows a one-time flex in the interest rate earned during the initial term. Interest calculated on daily balance and credited/compounded quarterly. Subject to early withdrawal penalty.
Promotional rate · 3.20% interest rate · Compounded quarterly · Effective Sep 28, 2026
Rate checked
More details - 3.09%APY$628 over 24 months on $10,000
Requirements
Product: Interest is compounded monthly and paid to the account monthly. Minimum balance to earn interest is $0.01. Early withdrawal penalty applies (six months interest for terms of more than one year). Automatically renews at maturity with a 10 calendar day grace period. Rates apply to personal CDs.
3.05% interest rate · Compounded monthly · Effective Oct 14, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Grand Rapids, MI
252 CDs at 20 banks and credit unions · checked Sep 18–Oct 22
- Typical
- 2.73%
- Top 10% from
- 3.80%
- Banks, typical
- 1.50%
- Credit unions, typical
- 3.30%
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Find your bank or credit union to see all its rates and how they compare near you.
Grand Rapids, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Meijer Credit UnionCredit union · 3 branches
- North Central Area Credit UnionCredit union · 1 branch
- KCCUCredit union · 1 branch