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 1–15 results in Holland, MI
- PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 1 branch
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.15%APY$310 over 9 months on $10,000intro rate
Requirements
Product: Account fees may reduce earnings on certificates.
Promotional rate · Effective Oct 15, 2026
Rate checked
More details - 4.10%APY$169 over 5 months on $10,000intro rate
Requirements
Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.
Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.
Promotional rate · 4.02% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.10%APY$237 over 7 months on $10,000
Requirements
Product: Minimum balance for consumer is $500. Early withdrawal penalty may apply. Pairing with an Ultra Checking account unlocks a 0.10% APY bonus rate.
Offer: 7 Month Special with bonus rate. Requires the Tax Reported Owner to also be the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00.
3.94% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.05%APY$234 over 7 months on $10,000intro rate
Requirements
Product: FDIC-insured. Minimum opening deposit is generally $500. Early withdrawal penalty applies.
Offer: Limited-time offer. Must be opened with money not currently on deposit at Horizon Bank. Automatically renews to a 6-month fixed-rate CD. Penalty for early withdrawal.
Promotional rate · Effective Sep 29, 2026
Rate checked
More details - 4.05%APY$439 over 13 months on $10,000intro rate
Requirements
Product: Account fees may reduce earnings on certificates.
Promotional rate · Effective Sep 18, 2026
Rate checked
More details - 4.00%APY$198 over 6 months on $10,000intro rate
Requirements
Product: Grand Reopening Rates / Renovate Your Rate special. Available to new customers and existing West Michigan Community Bank Jenison Branch customers only. New customers must not have had a relationship with West Michigan Community Bank in the last six months. Offer only available at the Jenison Branch using promo code RENOVATE. Limited time offer. Bank may end this offer without notice.
Offer: Requires a $1,000 minimum balance to earn the APY which is paid until maturity and compounded and paid quarterly. Early withdrawal penalties apply. At renewal, CD will renew as a 6-month CD at the current posted rate. Jenison Branch only with promo code RENOVATE.
Promotional rate · Effective Sep 23, 2026
Rate checked
More details - 4.00%APY$816 over 24 months on $10,000intro rate
Requirements
Product: No monthly service charges. Minimum opening deposit of $500. Terms from 90 days to 5 years. Penalty for early withdrawal.
Offer: CD Special. Not valid with any other offers. Promotion special may end at any time. Penalty for early withdrawal.
Promotional rate · Balance cap $500,000 · Effective Sep 1, 2026
Rate checked
More details - 3.95%APY$196 over 6 months on $10,000
Requirements
Product: Flexible maturities range from 1 month to 60 months. Automatic renewal standard. Interest calculated on daily balance. Subject to early withdrawal penalty.
3.89% interest rate · Effective Sep 28, 2026
Rate checked
More details - 3.80%APY$413 over 13 months on $10,000
Requirements
Product: Membership required. Account qualifications apply. Early withdrawal penalty applies. Maximum amount for the Share Certificate Special per member is $100,000. 91-Day, 12-Month Jumbo, and 13-Month Special Certificates are not available as an IRA certificate.
Offer: 13-Month Special. Dividend paid quarterly. Maximum amount per member is $100,000. Not available as an IRA certificate.
3.75% interest rate · Balance cap $100,000
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 - 3.24%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 - 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 - 2.10%APY$643 over 36 months on $10,000
Requirements
Product: Early withdrawal penalty may apply. Rates may change after account is opened. Pairing with Ultra Checking account unlocks a 0.10% APY bonus rate.
Offer: Bonus rate of 0.10% APY when the Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00.
Balance cap $1,000,000 · Effective Oct 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 Holland, MI
109 CDs at 11 banks and credit unions · checked Oct 16–22
- Typical
- 2.02%
- Top 10% from
- 4.00%
- Banks, typical
- 2.27%
- Credit unions, typical
- 2.00%
Is your bank paying you enough?
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