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 Minimum0.40%0.40%
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12 Month- $500 Minimum0.45%0.45%
24 Month- $500 Minimum0.50%0.50%
36 Month- $500 Minimum0.60%0.60%
48 Month- $500 Minimum0.70%0.70%
60 Month- $500 Minimum0.80%0.80%

^Annual Percentage Yield. Qualifications may apply. Rates subject to change without notice. Rate specials only apply to new funds on deposit to TBACU. Rates effective as of May 11, 2022.