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 61–75 results in Grand Rapids, MI metro
- Michigan First Credit Union36 Month Certificate AccountCD · 36 months · $1,000 min · 0.90%–3.56% by balance
Credit union · 6 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 - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% 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 - First National Bank of MichiganCertificate of DepositCD · 24 months · $2,500 min · 3.04%–3.45% by balance
Bank · 2 branches
3.04%APY$617 over 24 months on $10,000Requirements
Product: The minimum to open is $2,500. A penalty may be imposed for early withdrawal. APY is based on a $2,500 balance for entire designated CD term.
Offer: 2 Year term.
3.00% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $49,999Your amount 3.04% $50,000 – $99,999 3.25% $100,000 and up 3.45% Rate checked
More details - 3.04%APY$940 over 36 months on $10,000
Requirements
Product: Penalty for early withdrawal. Rates subject to change at any time without notice.
Effective Oct 15, 2026
Rate checked
More details - Maui Teachers FCU18 Month Share Certificate SPECIALCD · 18 months · $5,000 min
Credit union · 1 branch
3.03%APY$458 over 18 months on $10,000intro rateRequirements
Product: Dividends must be transferred to share account. New Money ONLY.
Offer: Minimum Opening Deposit Required to earn 3.03% APY is $5,000.00; Maximum balance $250,000.00; Dividends must be transferred to share account; New Money ONLY.
Promotional rate · Balance cap $250,000 · Effective Jan 1, 2026
Rate checked
More details - 3.00%APY$25 over 1 months on $10,000
Requirements
Product: Fixed rate for the time horizon chosen from 1 month to 5 years. Penalty for early withdrawal.
Offer: Penalty for early withdrawal.
2.72% interest rate
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY Up to $10,000 2.75% $10,000 and upYour amount 3.00% Rate checked
More details - KCCURegular Certificate AccountsCD · 48 months · $500 min · 3.00%–3.10% by balance
Credit union · 1 branch
3.00%APY$1,255 over 48 months on $10,000intro rateRequirements
Product: Membership required. Certificate bonus is only available on new certificates. Advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they earn standard APY (rate minus 0.25% APY). Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate.
Offer: Advertised APY as high as 3.00% includes 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points; standard APY is 2.75%.
Promotional rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Regular Certificate Accounts Balance APY $500 and upYour amount 3.00% $50,000 and upAdvertised APY as high as 3.10% includes 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points; standard APY is 2.85%. 3.10% Rate checked
More details - 2.75%APY$275 over 1 year on $10,000
Requirements
Product: Terms can be as short as six months or as long as five years. A minimum investment of $500 is required.
Rate checked
More details - 2.75%APY$823 over 35 months on $10,000
Requirements
Product: Allows making deposits to the principal balance during the initial term. Interest calculated on daily balance and credited/compounded quarterly. Subject to early withdrawal penalty.
2.72% interest rate · Compounded quarterly · Effective Sep 28, 2026
Rate checked
More details - 2.73%APY$1,442 over 60 months on $10,000
Requirements
Product: Minimum balance of $50, with a maximum insured deposit of $250,000. Dividends paid directly to certificate on a monthly basis. Subject to early withdrawal penalty. Additional deposits not allowed. Automatically renews with 10-day grace period.
Offer: Fixed rate. Early withdrawal penalty: 180 days dividends. Automatically renews with 10 day grace period. Additional deposits not allowed.
2.70% interest rate · Balance cap $250,000 · Effective Oct 1, 2026
Rate checked
More details - 2.68%APY$268 over 1 year 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 (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.
2.65% interest rate · Compounded monthly · Effective Oct 14, 2026
Rate checked
More details - Northwest Consumers Federal Credit UnionShare Certificates (CD’s)CD · 60 months · $500 min
Credit union · 1 branch
2.53%APY$1,331 over 60 months on $10,000Effective Oct 5, 2026
Rate checked
More details - 2.48%APY$1,303 over 60 months on $10,000
Requirements
Product: Must become a Compass Credit Union member. Early withdrawals may result in a penalty and could reduce earnings.
Offer: Penalty for early withdrawal.
Effective Jun 1, 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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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