Bank · FDIC insured
Eastern Michigan Bank CD Rates
Eastern Michigan Bank’s best CD rate is 2.02% APY on a 5-year CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Eastern Michigan Bank’s CD rates compare
Compared with banks and credit unions near Detroit, MI, where Eastern Michigan Bank has the most branches. $10,000, best rate first.
This bank’s best
Eastern Michigan Bank
2.02%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,052
CD
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
Eastern Michigan Bank CD score
62
CD score
Higher than 5% of U.S. banks and credit unions
- 3–8 months3–8 mo0.25%
- 9–15 months9–15 mo0.40%
- 16–30 months16–30 mo0.85%
- 31–60 months31–60 mo2.02%
- QualifiedQualified2.02%
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 Eastern Michigan 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.
CD
Up to 2.02%APY · 8 terms
A penalty may be imposed for early withdrawal. Most accounts automatically renew at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsWhen interest is added back each month; stated APR is 0.25% | 0.25% | $12 |
| 9 monthsWhen interest is added back each month; stated APR is 0.25% | 0.25% | $19 |
| 12 monthsWhen interest is added back each month; stated APR is 0.25% | 0.25% | $25 |
| 18 monthsWhen interest is added back each month; stated APR is 0.50% | 0.50% | $75 |
| 24 monthsWhen interest is added back each month; stated APR is 0.75% | 0.75% | $151 |
| 36 monthsWhen interest is added back each month; stated APR is 1.50% | 1.51% | $460 |
| 36 monthsWhen interest is paid out each month; stated APR is 1.50% | 1.50% | $457 |
| 48 monthsWhen interest is added back each month; stated APR is 1.75% | 1.76% | $723 |
| 48 monthsWhen interest is paid out each month; stated APR is 1.75% | 1.75% | $719 |
| 60 monthsWhen interest is added back each month; stated APR is 2.00% | 2.02% | $1,052 |
| 60 monthsWhen interest is paid out each month; stated APR is 2.00% | 2.00% | $1,041 |
Sources (2)
All captured Sep 18, 2026
Advantage 50 CD
Up to 1.61%APY · 3 terms
A penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsWhen interest is added back each month; stated APR is 0.40% | 0.40% | $40 |
| 24 monthsWhen interest is added back each month; stated APR is 0.85% | 0.85% | $171 |
| 36 monthsWhen interest is added back each month; stated APR is 1.60% | 1.61% | $491 |
| 36 monthsWhen interest is paid out each month; stated APR is 1.60% | 1.60% | $488 |
Sources (1)
- emb.bank/personal/cd-and-ira-rates · captured Sep 18, 2026
Special-purpose accounts
IRA CD
Up to 2.02%APY · 7 terms
Available as Traditional IRA or Roth IRA. A penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsWhen interest is added back each month; stated APR is 0.25% | 0.25% | $12 |
| 9 monthsWhen interest is added back each month; stated APR is 0.25% | 0.25% | $19 |
| 12 monthsWhen interest is added back each month; stated APR is 0.25% | 0.25% | $25 |
| 24 monthsWhen interest is added back each month; stated APR is 0.75% | 0.75% | $151 |
| 36 monthsWhen interest is added back each month; stated APR is 1.50% | 1.51% | $460 |
| 36 monthsWhen interest is paid out each month; stated APR is 1.50% | 1.50% | $457 |
| 48 monthsWhen interest is added back each month; stated APR is 1.75% | 1.76% | $723 |
| 48 monthsWhen interest is paid out each month; stated APR is 1.75% | 1.75% | $719 |
| 60 monthsWhen interest is added back each month; stated APR is 2.00% | 2.02% | $1,052 |
| 60 monthsWhen interest is paid out each month; stated APR is 2.00% | 2.00% | $1,041 |
Sources (2)
All captured Sep 18, 2026
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.