Bank · FDIC insured
Oxford Bank CD Rates
Oxford Bank’s best CD rate is 3.61% APY on an 11-month CD. Terms run from 3 months to 6 years. Rates checked October 16, 2026.
How Oxford Bank’s CD rates compare
Compared with banks and credit unions near Detroit, MI, where Oxford Bank has the most branches. $10,000, best rate first.
This bank’s best
Oxford Bank
3.61%APY
- Term
- 11 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $330
Time Certificates/CDs
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
Oxford Bank CD score
64
CD score
Higher than 11% of U.S. banks and credit unions
- 3–8 months3–8 mo0.15%
- 9–15 months9–15 mo3.61%
- 16–30 months16–30 mo0.15%
- 31–60 months31–60 mo0.20%
- QualifiedQualified3.61%
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 Oxford 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.
Time Certificates/CDs
Up to 3.61%APY · 16 terms
A penalty may be imposed for early withdrawal. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.05% | $1 |
| 6 months | 0.10% | $5 |
| 7 months | 0.15% | $9 |
| 9 months | 0.15% | $11 |
| 11 months11 Month Special | 3.61% | $330 |
| 12 months | 0.15% | $15 |
| 13 months | 0.15% | $16 |
| 14 months14 Month Special | 3.44% | $402 |
| 15 months15 Month Special | 3.55% | $446 |
| 18 months | 0.15% | $23 |
| 24 months | 0.15% | $30 |
| 30 months | 0.15% | $38 |
| 36 months | 0.15% | $45 |
| 48 months | 0.15% | $60 |
| 60 months | 0.20% | $100 |
| 72 months | 0.25% | $151 |
Sources (3)
- oxfordbank.bank/bank/personal-savings
- oxfordbank.bank/bank/personal-…ates-of-deposit-cds.html
- oxfordbank.bank/access/tools/rates.html
All captured Oct 16, 2026
Opening an account
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