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Source: https://www.midwestbankcentre.com/personal-banking/personal-cds/
Read: 2026-10-22T16:23:34.000Z

Term | Min to open | Interest Rate | APY* | Minimum Balance to Earn APY
3-Month CD | $1,000 | 1.00% | 1.00% | $1,000 | APPLY NOW
6-Month CD | $1,000 | 3.46% | 3.51% | $1,000 | APPLY NOW
12-Month CD | $1,000 | 3.70% | 3.75% | $1,000 | APPLY NOW
13-Month CD | $1,000 | 2.97% | 3.00% | $1,000 | APPLY NOW
15-Month CD | $1,000 | 2.72% | 2.75% | $1,000 | APPLY NOW
18-Month CD | $1,000 | 4.18% | 4.25% | $1,000 | APPLY NOW
24-Month CD | $1,000 | 4.18% | 4.25% | $1,000 | APPLY NOW
36-Month CD | $1,000 | 2.23% | 2.25% | $1,000 | APPLY NOW
48-Month CD | $1,000 | 2.48% | 2.50% | $1,000 | APPLY NOW
60-Month CD | $1,000 | 2.53% | 2.55% | $1,000 | APPLY NOW
Term | Min to open | Interest Rate | APY* | Minimum Balance to Earn APY
7-Month No Penalty CD** | $1,000 | 3.21% | 3.25% | $1,000 | APPLY NOW
*Rates effective as of 10/22/2026 and are subject to change without notice. Fees may reduce earning. Early withdrawal penalties may apply. Minimum balance of $1,000 to earn APY on 3-month, 6-month, 7-month, 12-month, 13-month, 15-month, 18-month, 36-month, 48-month and 60-month CDs.
*APY is the Annual Percentage Yield.
What is CD APY?
An APY for CD rates is the annual percentage yield. You can earn reliable yields by investing in CDs. These accounts earn interest at a compound rate, or APY, which is calculated quarterly. The interest earned on CDs is taxable as interest income. You will have to pay tax on the yield. Most CDs have an interest rate based on an annual percentage yield, which takes compounding into account. This means that if you open a CD and leave it for a year, it will earn a percentage of interest. However, if you open it for a month, the interest would accrue each month, resulting in a lower annual interest rate.
Does the APY change often?
The rate may vary from time to time depending on the market. You should be aware that APYs are not guaranteed and may be changed without notice. The interest rate and APY for CDs may be the same when you open the account but they may change if you make additional deposits. In addition, APYs may be reduced by fees if funds are withdrawn early.