Bank · FDIC insured
Bank of Ann Arbor CD Rates
Bank of Ann Arbor’s best CD rate is 3.50% APY on a 2-year CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How Bank of Ann Arbor’s CD rates compare
Compared with banks and credit unions near Detroit, MI, where Bank of Ann Arbor has the most branches. $10,000, best rate first.
This bank’s best
Bank of Ann Arbor
3.50%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $712
Certificate of Deposit
Top rate
FreeStar Financial Credit Union
5.25%APY
- Term
- 18 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $798
2nd-highest rate
Diversified Members Credit Union
5.15%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $515
Bank of Ann Arbor CD score
77
CD score
Higher than 43% of U.S. banks and credit unions
- 3–8 months3–8 mo3.20%
- 9–15 months9–15 mo3.35%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.50%
- QualifiedQualified3.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Bank of Ann Arbor ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 3.50%APY · 7 terms
For deposits of $1,000 to $99,999. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsA penalty may be imposed for early withdrawal. Fees may reduce earnings | 3.15% | $78 |
| 6 monthsA penalty may be imposed for early withdrawal. Fees may reduce earnings | 3.20% | $159 |
| 12 monthsA penalty may be imposed for early withdrawal. Fees may reduce earnings | 3.35% | $335 |
| 18 monthsA penalty may be imposed for early withdrawal. Fees may reduce earnings | 3.35% | $507 |
| 24 monthsA penalty may be imposed for early withdrawal. Fees may reduce earnings | 3.50% | $712 |
| 48 monthsA penalty may be imposed for early withdrawal. Fees may reduce earnings | 3.50% | $1,475 |
| 60 monthsA penalty may be imposed for early withdrawal. Fees may reduce earnings | 3.50% | $1,877 |
Sources (3)
- bankofannarbor.com/personal
- bankofannarbor.com/personal/rates
- bankofannarbor.com/rates/certificate-of-deposit
All captured Oct 16, 2026
Jumbo Certificate of Deposit
Up to 3.50%APY · 6 terms
$100,000 to open. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1–0 monthsTerm is 7-29 Days. A penalty may be imposed for early withdrawal. Fees may reduce earnings | 1.30% | — |
| 1–2 monthsTerm is 30-89 Days. A penalty may be imposed for early withdrawal. Fees may reduce earnings | 1.60% | — |
| 3 monthsTerm is 90-119 Days. A penalty may be imposed for early withdrawal. Fees may reduce earnings | 3.25% | — |
| 4–5 monthsTerm is 120-179 Days. A penalty may be imposed for early withdrawal. Fees may reduce earnings | 3.30% | — |
| 6–8 monthsTerm is 180-269 Days. A penalty may be imposed for early withdrawal. Fees may reduce earnings | 3.30% | — |
| 9–12 monthsTerm is 270-365 Days. A penalty may be imposed for early withdrawal. Fees may reduce earnings | 3.50% | — |
Sources (2)
All captured Oct 16, 2026
Opening an account
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