Share Certificates

Share Certificates (CD’s) are valuable investment options for anyone considering long-term savings. They are an excellent way to earn a higher yield on an investment while being safe, secure, and federally insured up to $250,000.

  • Choose from terms of 6 to 60 months.
  • $500 minimum to open.
  • Ask about our local CD matching rate program*

Please call or text our Service Center team at 231.946.7090Β Β to learn more!

CD Rates

CD
RateAPY^With Direct DepositAPY
6 Month- $500 Minimum4.80%4.89%5.00%5.10%
6 Month Add-On CD - $250 Minimum4.00%4.06%4.20%4.27%
12 Month- $500 Minimum3.00%3.03%3.20%3.24%
12 Month CD Special - $10,000 Minimum4.75%4.84%N/AN/A
24 Month- $500 Minimum2.50%2.52%2.70%2.73%
36 Month- $500 Minimum2.00%2.02%2.20%2.22%
48 Month- $500 Minimum2.00%2.02%2.20%2.22%
60 Month- $500 Minimum2.00%2.02%2.20%2.22%
Direct Deposit Rate: 0.20%

*Qualifications may apply.

^Annual Percentage Yield. Qualifications may apply. Rates are subject to change without notice. Rates are effective as of June 19, 2024. Rates are the same for IRA CDs