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 31–36 results in Grand Rapids, MI
- First National Bank of MichiganCertificate of DepositCD · 24 months · $2,500 min · 3.04%–3.45% by balance
Bank · 1 branch
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 - 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 - 2.68%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 - 2.43%APY$121 over 6 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 (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.
2.40% interest rate · Compounded monthly · Effective Oct 14, 2026
Rate checked
More details - Consumers Credit UnionCertificate of Deposit (CD)CD · 60 months · $1,000 min · 1.01%–1.10% by balance
Credit union · 1 branch
1.01%APY$515 over 60 months on $10,000Requirements
Product: $1,000 minimum deposit required. Withdrawals prior to maturity are subject to an early withdrawal penalty fee. Backed by NCUA Insurance.
Offer: $1,000 minimum deposit required. Withdrawals prior to maturity are subject to an early withdrawal penalty fee.
1.01% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Certificate of Deposit (CD) Balance APY $1,000 – $24,999Your amount 1.01% $25,000 and up 1.10% Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% 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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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