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CD Special

15-Month CD Special up to 2.45% APY*

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15 Month Certificate of Deposit / IRA Certificate*

Account Balance

Minimum Opening Deposit



Early W/D Penalty

$500 - $9,999.99


1.00% 1.00% 180 Days

$10,000 - $250,000


2.427% 2.45%

*Certificate of Deposit available only for accounts up to $250,000 per household to customers in Benzie, Grand Traverse, Leelanau, Manistee and Wexford counties. Consumer and commercial deposits only, no brokered funds. The annual percentage yield effective December 10, 2018 and requires a $10,000 minimum opening balance to obtain the stated APYs. Deposit of $500 - $9,999.99 pays 1.00% APY.  Deposit accounts FDIC insured up to $250,000. Retirement accounts FDIC insured separately up to $250,000. Interest paid quarterly. 15- month converts to a 18-month CD at maturity. A penalty may be imposed for early withdrawals. To obtain the stated APY's, minimum balance requirements must be met for each term and tier. The interest rate and annual percentage yield may change after account opening. Fees could reduce the earnings on accounts. Offer is subject to change.

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