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 231.946.7090  to learn more!

CD Rates

Current RateAPY^With Direct DepositAPY
6 Month- $500 Minimum3.00%3.03%3.20%3.24%
12 Month- $500 Minimum3.25%3.29%3.45%3.50%
24 Month- $500 Minimum3.25%3.29%
36 Month- $500 Minimum1.75%1.76%1.95%1.96%
48 Month- $500 Minimum2.00%2.02%2.20%2.24%
60 Month- $500 Minimum2.25%2.27%2.45%2.47%
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 September 27, 2023. Rates are the same for IRA CDs