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.

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

CD Rates

Rate As High AsAPY^
6 Month- $500 Minimum0.70%0.70%
6 Month New Funds Special*- $100,000 Minimum4.3%4.37%
12 Month- $500 Minimum1.20%1.21%
12 Month New Funds Special*- $1,000 Minimum4.80%4.89%
24 Month- $500 Minimum1.45%1.46%
36 Month- $500 Minimum1.70%1.71%
48 Month- $500 Minimum1.95%1.96%
60 Month- $500 Minimum2.20%2.22%

^Annual Percentage Yield. Qualifications may apply. Rates are subject to change without notice. Rate specials only apply to funds not on deposit at TBACU. Rates are effective as of March 22, 2023

^Rates are the same for IRA CDs