Certificates of Deposit (CDs)

Have some extra funds sitting around? Put them to good use with a CD and get a fixed rate.
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Save more and do more.

Choose from a variety of terms to suit your needs and goals.

Key Features

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Competitive Interest
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No Monthly Fees





How Does a CD Work?

A Certificate of Deposit is a type of personal savings account. However, CDs require more commitment than a basic savings account. With a CD, you agree to a certain term length in advance. If you withdraw money before the end of your term, you may have to pay a penalty fee. In exchange for your commitment, you can earn a higher interest rate.


Open a CD Account

West Shore Bank has been Making a Difference Since 1898, committed to helping the people and businesses in Michigan improve their financial well-being. Visit one of our nine locations in Ludington, Frankfort, Hart, Manistee, Onekama, Scottville, or Traverse City.



CD Specials

Term Minimum Balance* to Obtain APY Interest Rate APY (Annual Percentage Yield)
12 Month $5,000 4.25% 4.32%


Certificates of Deposit (CDs)


Term Minimum Balance* to Obtain APY Interest Rate APY (Annual Percentage Yield)
3 Months $500 1.00% 1.00%
6 Months  $500 1.50% 1.51%
12 Month $500 2.00% 2.02%
18 Month  $500 2.25% 2.27%
24 Months $500 2.50% 2.52%
36 Months $500 2.50% 2.52%
48 Months $500 2.50% 2.52%
60 Months $500 2.75% 2.78%

*Daily Balance (the amount of principal in the account each day).

Withdrawals from certificates of deposit prior to maturity will be assessed early withdrawal penalties.

See Deposit Account Disclosure for more details.


Individual Retirement Accounts (IRAs)


Term Fixed or Variable Rate Minimum Balance* to Obtain APY Interest Rate APY (Annual Percentage Yield)
12 Month IRA Fixed $500 2.00% 2.02%
24 Month IRA Fixed $500 2.50% 2.52%
36 Month IRA Fixed $500 2.50% 2.52%
48 Month IRA Fixed $500 2.50% 2.52%

*Daily Balance (the amount of principal in the account each day).

Withdrawals from certificates of deposit prior to maturity will be assessed early withdrawal penalties.

See Deposit Account Disclosure for more details.





























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Putting you on the road to retirement.

We can help you customize an investment and wealth management plan unique to your assets, family values, and objectives.