Certificates of Deposit
Earn 4.07% APY!*
9 month CD Special!
A Certificate of Deposit is a risk-free way to earn higher returns. You lock in a fixed interest rate for the term of the deposit, making this an excellent way to guard against a possible decline in interest rates or a loss of principal.
- Just a $500 minimum to open
- Choose a term from 3 months to five years
- Federally-insured funds
- Guaranteed rate of return
- A kind of Goal Savings Account
Want to earn more but have easier access to your funds? Check out our Money Market Accounts here.
Certificates and IRA Certificates Rates
* Rates Accurate As of April 19, 2025
| CD TERM | MINIMUM AMOUNT | APY* |
|---|---|---|
| 3 Month CD | $500.00 | 0.55% |
| 6 Month CD | $500.00 | 1.00% |
| 9 Month CD Special* | $500.00 | 4.07% |
| 12 Month CD | $500.00 | 1.26% |
| 15 Month CD | $500.00 | 1.26% |
| 18 Month CD | $500.00 | 1.26% |
| 24 Month CD | $500.00 | 1.76% |
| 30 Month CD | $500.00 | 1.76% |
| 36 Month CD | $500.00 | 2.02% |
| 48 Month CD | $500.00 | 1.16% |
| 60 Month CD | $500.00 | 1.31% |
Disclaimer: Penalty for early withdrawal.
*APY is Annual Percentage Yield.
*CD Special rates as of 4/1/25 and subject to change. Offer available for a limited time. Fees could reduce earnings. Terms and conditions may apply. Offer applies only to the Certificate of Deposit term listed above. Jumbo CD ($100,000 plus) rate bumps available. $5.00 West Michigan Credit Union Savings Account required. Rates subject to change.
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