Bank · FDIC insured
Chelsea State Bank CD Rates
Chelsea State Bank’s best CD rate is 3.80% APY on a 20-month CD. Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How Chelsea State Bank’s CD rates compare
Compared with banks and credit unions near Ann Arbor, MI, where Chelsea State Bank has the most branches. $10,000, best rate first.
This bank’s best
Chelsea State Bank
3.80%APY
- Term
- 20 months
- Minimum
- $500
- Earns on $10,000
- $641
Certificates of Deposit (CDs)
Top rate
People Driven Credit Union
4.55%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $339
2nd-highest rate
Michigan Schools & Government Credit Union
4.55%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $572
Chelsea State Bank CD score
78
CD score
Higher than 45% of U.S. banks and credit unions
- 3–8 months3–8 mo3.02%
- 9–15 months9–15 mo3.09%
- 16–30 months16–30 mo3.80%
- 31–60 months31–60 mo3.24%
- QualifiedQualified3.80%
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 Chelsea State Bank 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.
Certificates of Deposit (CDs)
Up to 3.80%APY · 5 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty: 3 months interest. 182 Day CDs pay interest of compound at maturity | 3.02% | $150 |
| 12 monthsEarly withdrawal penalty: 3 months interest. Interest paid and compounded quarterly | 3.09% | $309 |
| 18 monthsEarly withdrawal penalty: 6 months interest. Interest paid and compounded quarterly | 3.19% | $482 |
| 20 monthsEarly withdrawal penalty: 6 months interest. Interest paid and compounded quarterly | 3.80% | $641 |
| 36 monthsEarly withdrawal penalty: 6 months interest. Interest paid and compounded quarterly | 3.24% | $1,004 |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.