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
  • HSA CDs available
  • Ask about our local CD matching rate program*

Please call or text our Service Center team at 231.946.7090 or schedule an appointment to learn more!

CD Rates

CD
RateAPY^With Direct DepositAPY
6 Month- $500 Minimum3.40%3.45%3.60%3.65%
6 Month Add-On CD - $250 Minimum2.75%2.78%2.95%2.98%
12 Month- $500 Minimum3.30%3.34%3.50%3.55%
24 Month- $500 Minimum3.00%3.03%3.20%3.24%
36 Month- $500 Minimum3.00%3.03%3.20%3.24%
48 Month- $500 Minimum3.00%3.03%3.20%3.24%
60 Month- $500 Minimum3.00%3.03%3.20%3.24%
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 February 12th, 2025. Rates are the same for IRA and HSA CDs. Rates subject to change without notice.