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Certificates of Deposit (CD)

Safe, secure and FDIC insured.

17, 29 and 37 Month CD Special

Fixed rate of return guaranteed for the term of the CD
$1,000 minimum opening deposit per CD and up to a maximum of $100,000 collectively per household

  • Personal use only
  • No additional deposits
  • Fixed rate of return guaranteed for the term of CD
  • Interest accrued daily and paid according to the terms of the CD
  • Automatic renewal
A penalty may be assessed for early withdrawal

Apply online (17 month)

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2.70% APY1

37 Month CD

2.60% APY1

29 Month CD

2.25% APY1

17 Month CD



Easy Exit CD 

Fixed rate of return guaranteed for the term of the CD

$1,000 opening balance requirement

  • Personal use only
  • No additional deposits
  • Fixed rate of return guaranteed for the 12 month term of CD
  • Interest accrued daily and paid according to the terms of the CD
  • Automatic renewal
Single withdrawal of entire balance allowed without penalty2

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Term CD & IRA Term CD*

Fixed rate of return guaranteed for the term of the CD

$1,000 opening balance requirement

  • For personal use only
  • No additional deposits
  • Variety of available terms up to 60 months
  • Interest accrued daily and paid according to the terms of the CD
  • Automatic renewal
  • *IRA plan product options: Traditional, Roth, SEP, Simple, Coverdell

A penalty may be assessed for early withdrawal

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1$1,000 minimum opening deposit per CD and up to a maximum of $100,000 collectively per household. Interest rates and APYs (Annual Percentage Yield) are effective as of 3/28/18 and may change daily at Macatawa Bank's discretion. A penalty may be imposed for early withdrawal of principal for Certificates of Deposit. Personal use only.
2Single withdrawal of entire balance allowed without penalty after the first 6 days of funding your CD. Easy Exit CDs will be assessed 7 days interest penalty if withdrawn within the first 6 days of opening according to Federal Regulation D.
 

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