Certificate of Deposit

We’ve Got A Certificate of Deposit That’s Right For You

Our Certificates of Deposits offer guaranteed yields, flexibility, and the safety of NCUA insurance. That’s because you lock in a high yield that’s guaranteed from the day you open the account until the day it matures. You know exactly what return you’ll get and when you’ll get it.

Your investment is safe because Mackinac Savings Bank is an NCUA insured institution. The standard NCUA insurance amount is $250,000 per depositor, per insured bank for each ownership category.

We offer Certificates of Deposit in a broad range of maturities, each designed with a particular goal in mind. And, for as little as $1,000, you can open your own CD. To help you decide which CD will best meet your needs, visit or contact a banking office.

  • Short-Term CDs. Short term savings certificates, usually up to 3 months, offer you the fastest, readiest access to your money.
  • Medium-Term CDs. Our 6 to 18 month medium-term CDs offer you higher yields than shorter term CDs.
  • Long-Term CDs. If you have a long-term outlook, our CDs with maturities of 2 years or more reward you with the highest yields we have to offer.
  • Special customer CDs. With higher rates for customers with a checking relationship and direct deposit of payroll, pension, or Social Security.