CDs
Steady Growth
Safe, Secure, and Rewarding
Looking for a smart way to grow your savings? Share Certificates (CDs) give you higher yields plus peace of mind.
The Plus Side of Our CDs:
- Flexible terms from 6 to 60 months plus options to fit your goals
- Just $500 minimum to open plus easy access for all savers
- HSA CDs available plus tax-advantaged growth
- Ask about our local CD matching rate program plus community-focused value*
Call or text our Service Center team at 231.946.7090, or schedule an appointment today to learn more and start saving with confidence.
Certificate of Deposit Rates
| CD | Rate | APY^ | Rate with Direct Deposit | APY with Direct Deposit |
|---|---|---|---|---|
| 6 Month- $500 Minimum | 3.50% | 3.55% | 3.70% | 3.75% |
| 6 Month Add-On CD - $250 Minimum | 2.75% | 2.78% | 2.95% | 2.98% |
| 12 Month- $500 Minimum | 3.45% | 3.50% | 3.65% | 3.70% |
| 24 Month- $500 Minimum | 3.25% | 3.29% | 3.45% | 3.50% |
| 36 Month- $500 Minimum | 3.30% | 3.34% | 3.50% | 3.55% |
| 48 Month- $500 Minimum | 3.35% | 3.39% | 3.55% | 3.60% |
| 60 Month- $500 Minimum | 3.40% | 3.44% | 3.60% | 3.65% |
| Direct Deposit Rate: 0.20% |
* Qualifications may apply. APY = Annual Percentage Yield, or the effective annual rate of return taking into account the effect of compounding interest. Fees may reduce earnings. Penalty applies for early withdrawal. Rates are effective as of April 22, 2026. Rates are the same for IRA and HSA CDs. Rates subject to change without notice.
Get Started Today
Schedule an appointment online, call or text our Service Center at 231.946.7090 (Monday – Friday: 9:00 a.m. – 5:00 p.m.), or visit any branch for assistance.
