Best CD rates and certificates

Requirements

Product: Require a minimum deposit of $500 to open. Terms range from 3 to 60 months. Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply.

Offer: CD SPECIAL! Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply.

Requirements

Product: Must maintain a $2,500.00 balance to receive a monthly dividend. Maximum deposits capped at $250,000 per member. Up to 90 day penalty for early withdrawal.

Offer: Must maintain a $2,500.00 balance to receive a monthly dividend. Maximum deposits capped at $250,000 per member. Up to 90 day penalty for early withdrawal.

Requirements

Product: Minimum to open: $100. Early withdrawal penalty applies. Wire transfer fees up to $50 waived. Stated rate accurate as of Oct 15, 2026.

Offer: 7-Month Special Certificate. Wire transfer fees up to $50 waived. Early withdrawal penalty applies.

Requirements

Product: Tiered rates compounded and credited quarterly. Terms ranging from 12 to 60 months. A penalty may be imposed for early withdrawal.

Offer: Special limited time offer. New money only; funds currently deposited in accounts at Bank Michigan are not eligible for promotional interest rate. Cannot be combined with any other CD offer.

Requirements

Product: Promotional yield of 4.00% APY calculated on a 3.93% base rate. $1,000 minimum deposit/balance. Deposit must be new funds to the Credit Union. IRA share certificates do not qualify. Penalty for early withdrawal is waived except: no withdrawals within the first 30/60 days, and one withdrawal allowed per calendar month after initial period.

Offer: New funds to Credit Union only. IRA share certificates do not qualify. One withdrawal allowed per calendar month after initial period without penalty.

Requirements

Offer: You can add money any time until maturity. No maximum balance.

Requirements

Product: Prize-linked 12-month certificate account. Allows deposits after opening. Early withdrawal penalty is $25. Must follow Save to Win program rules. Membership requires a $5 share deposit.

Offer: Prize-linked savings CD; early withdrawal penalty is $25. Allows deposits after opening.

Requirements

Product: Rates may increase .2% when a member qualifies for loyalty benefits. Minimum deposit $500.

Offer: APY as high as with loyalty benefits (rates may increase .2%).

Requirements

Product: Penalty may apply for early withdrawal. Rates subject to change.

Offer: Penalty may apply for early withdrawal.

Requirements

Product: Dividends accrue on daily balance. Less than 1 year certificates post dividends at maturity; 1 year or longer certificates compound dividends quarterly. Withdrawal before maturity subject to penalty. Minimum required certificate amount is $500, maximum balance is $1,000,000 per member. Membership requires completing payment of one $5.00 share.

Offer: Dividends accrue on daily balance and compound quarterly. Early withdrawal subject to penalty.

Requirements

Product: Early withdrawal penalty applies: 3 months and 6 months - all dividends accrued; 1 to 2.5 years - 6 months of dividends accrued; 3-5 years - 9 months of dividends accrued. Available with a compounding or non-compounding option.

Offer: Term is 365 Days.

Requirements

Product: Consumer CDs with balances up to $5,000,000.00. Early withdrawal penalty applies. Accrues daily simple interest based on a 365-day year (366 days in leap year). Compounded annually and at maturity.

Offer: Special rate; limited time only, rate subject to change.

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.

Requirements

Product: Minimum opening balance of $500. $5 member savings balance required for membership. Rates subject to change. Early withdrawal penalty may apply.

Offer: Includes 0.25% MORE VIP Relationship Reward Bonus (400+ points).