Build Your Own CD Ladder

Offer ends Dec 31, 2026

  • $500 minimum deposit
  • Ladder Multiple CDs for Maximum Return

Ladder Your CDs

Don't let changing savings rates determine the future of your money. Step up your savings strategy by building your own CD ladder. Splitting your money across multiple CDs with staggered maturity dates will ensure strong returns in short, medium, and long term. 

CD Rates:

12-month CD at 3.650% APY*

24-month CD at 3.800% APY*

36-month CD at 3.900% APY*

48-month CD at 4.100% APY*

60-month CD at 4.350% APY*

Outstanding customer service, the best I have ever experience!

- Walter M.

How to Open an Account

Whether you're a long-time member or establishing a brand-new membership, we make it easy to get your account(s) opened.

  • Apply securely online
  • Existing members can save time by applying through digital banking
  • Apply in-person at a Lansing or Grand Rapids area branch
Save with every swipe
Save with every swipe

Enroll in Spare Change Savings.

*APY = Annual Percentage Yield. Rates valid 10/1/2026 and subject to change without notice. $500 minimum deposit required for each CD. Fees or early withdrawal penalties could reduce earnings.