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Compare Bank & Credit Union Rates

Best 1-year CD rates

Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.

Term
Location

Top CD rates

Showing 1–15 of 260 results in Michigan

  1. Diversified Members Credit UnionLegacy Certificate of DepositCD · 12 months · $5,000 min

    Credit union · 4 branches

    5.15%APY$515 over 1 year on $10,000
  2. West Michigan Credit UnionCertificates of DepositCD · 12 months · $500 min

    Credit union · 12 branches

    4.50%APY$450 over 1 year on $10,000
  3. Top Carrot, Carrot Score 94
    CIBC Bank USACIBC Agility Certificate of Deposit (CD)CD · 12 months · $1,000 min

    Bank · 1 branch

    4.50%APY$450 over 1 year on $10,000
  4. Top Carrot, Carrot Score 87
    FreeStar Financial Credit UnionCertificates of DepositCD · 12 months · $500 min

    Credit union · 8 branches

    4.50%APY$450 over 1 year on $10,000with conditions
  5. Top Carrot, Carrot Score 87
    FreeStar Financial Credit UnionSave to WinCD · 12 months · $25 min

    Credit union · 8 branches

    4.50%APY$450 over 1 year on $10,000with conditions
  6. Top Carrot, Carrot Score 94
    Christian Financial Credit UnionCertificates of DepositCD · 12 months · $500 min

    Credit union · 12 branches

    4.50%APY$450 over 1 year on $10,000
  7. Top Carrot, Carrot Score 95
    Chief Financial Credit UnionSpecial Share CertificatesCD · 12 months · $500 min

    Credit union · 4 branches

    4.39%APY$439 over 1 year on $10,000intro rate
  8. Top Carrot, Carrot Score 89
    Peninsula Federal Credit UnionShare CertificatesCD · 12 months · $500 min

    Credit union · 4 branches

    4.35%APY$435 over 1 year on $10,000
  9. Top Carrot, Carrot Score 97
    Meijer Credit UnionCertificate of DepositCD · 12 months · $500 min

    Credit union · 3 branches

    4.30%APY$430 over 1 year on $10,000
  10. Top Carrot, Carrot Score 93
    Circle Federal Credit UnionTerm Share CertificatesCD · 12 months · $100 min

    Credit union · 3 branches

    4.30%APY$430 over 1 year on $10,000
  11. Flagstar BankCertificates of Deposit (CD)CD · 12 months · $500 min

    Bank · 101 branches

    4.30%APY$430 over 1 year on $10,000intro rate
  12. Top Carrot, Carrot Score 97
    Dow Credit UnionSimple CDsCD · 12 months · $500 min

    Credit union · 2 branches

    4.30%APY$430 over 1 year on $10,000
  13. InTouch Credit UnionHYRC CertificateCD · 12 months · $1,000 min

    Credit union · 2 branches

    4.25%APY$425 over 1 year on $10,000with conditions
  14. Top Carrot, Carrot Score 87
    Community West Credit UnionCertificate of DepositCD · 12–17 months · $500 min

    Credit union · 5 branches

    4.25%APY
  15. West Shore BankCD SpecialsCD · 12 months · $500 min

    Bank · 9 branches

    4.25%APY$425 over 1 year on $10,000

Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank

What 1-year CDs pay in Michigan

263 CDs at 191 banks and credit unions · checked Nov 6–7

Typical
3.35%
Top 10% from
4.08%
Banks, typical
2.27%
Credit unions, typical
3.45%

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Michigan

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Settlers Federal Credit UnionCredit union · 2 branches
  2. Great Lakes First Federal Credit UnionCredit union · 2 branches
  3. Dow Credit UnionCredit union · 2 branches
See all ranked institutions
Best 1-Year CD Rates of November 2026 | Carrot Rate