Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 46–60 results in Grand Rapids, MI metro
- 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 - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - Best Financial Credit UnionCertificates of Deposit (CDs)CD · 36 months · $500 min
Credit union · 1 branch
3.75%APY$1,168 over 36 months on $10,000Requirements
Product: No setup or service fees. Early withdrawal subject to penalty.
Offer: Early withdrawal penalty: 180 days interest.
3.70% interest rate
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 - 3.66%APY$1,969 over 60 months on $10,000
Requirements
Product: Fixed rates in effect for the term of the account. Dividends compounded and credited monthly. Dividends calculated using Average Daily Balance method. Early withdrawal penalty applies: 90 days' dividends for terms of 12 months or less; 180 days' dividends for terms of more than 12 months. Automatically renews upon maturity with a 10-day grace period. After account is started, additional deposits may not be made.
3.60% interest rate · Effective Apr 22, 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 · 6 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 · 6 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 - Montcalm Public Employees Credit UnionCertificate AccountsCD · 6 months · $1,000 min
Credit union · 1 branch
3.50%APY$173 over 6 months on $10,000Requirements
Product: Rates are subject to change. Penalty for early withdrawal. Minimum required to open is the purchase of a $5.00 par value share in the credit union.
Offer: Penalty for early withdrawal
Balance cap $100,000
Rate checked
More details - 3.45%APY$171 over 6 months on $10,000
Requirements
Product: Membership required. Insured by NCUA. Flexibility to add deposits throughout the term in amounts of $25 or more anytime up to maximum amount of $250,000 per CD. APYs calculated by actual daily balance method and paid/compounded monthly. Early withdrawal penalties apply and reduce earnings. Minimum balance of $500 required (Explorer's Club members have a minimum of $100).
Offer: Add-on in amounts of $25 or more anytime. Maximum amount per CD is $250,000.
Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - Michigan First Credit Union24 Month Certificate AccountCD · 24 months · $1,000 min · 1.26%–3.82% by balance
Credit union · 6 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 · 6 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 · 6 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 - 3.30%APY$330 over 1 year on $10,000intro rate
Requirements
Product: Regular account. Rates effective as of 9/3/2026.
Offer: Term: 12 Mo. Regular account. Rates effective as of 9/3/2026.
3.25% interest rate · Effective Sep 3, 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 metro
531 CDs at 53 banks and credit unions · checked Oct 4–22
- Typical
- 3.00%
- Top 10% from
- 4.00%
- Banks, typical
- 1.76%
- 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