Compare Bank & Credit Union Rates
Best CD rates in Ann Arbor, MI
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Ann Arbor, MI
- Michigan Schools & Government Credit UnionCertificate of DepositCD · 15 months · $500 min
Credit union · 1 branch
4.55%APY$572 over 15 months on $10,000intro rateRequirements
Product: $500 Minimum Average Daily Balance Required. Certificate of Deposits will automatically renew at maturity. You have a grace period of ten (10) calendar days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty. Promotional Certificates will automatically renew at maturity to a standard term Certificate offered at the time of maturity. Bump rate option available on longer-term CDs.
Offer: The 15-month promotional CD is offered as of 7/1/2026 and is available for new money only. New money means funds that are not currently on deposit at MSGCU. This offer cannot be combined with current MSGCU deposit dollars, including rollovers from maturing MSGCU CDs. Funds are considered new money if received through cash, check, or wire transfer and CD is opened within five calendar days. Funds from an IRA direct transfer or rollover from another institution are also considered new money if deposited into the IRA share and CD opened within five calendar days. Funds withdrawn from MSGCU may not be returned and considered New Money within 90 calendar days of withdraw. Businesses, municipalities, and MSGCU team members are not eligible. Available in branches or when opening a new membership online. At maturity, renewed to a 1-year term CD.
Promotional rate · 4.48% interest rate
Rate checked
More details - 4.40%APY$899 over 24 months on $10,000
Requirements
Product: Dividends paid and compounded quarterly. Rates determined by the principal balance when opened. Automatic renewal at maturity. Early withdrawal penalties may apply.
4.33% interest rate · Compounded quarterly · Effective Oct 15, 2026
Rate checked
More details - 4.33%APY$250 over 7 months on $10,000intro rate
Requirements
Product: Fixed-rate CDs with terms from 3 months to 5 years; eight standard terms plus a 7-month promotional CD. Minimum to open standard CDs is $500. APY assumes interest remains until maturity. Upon maturity, tier rates default to the current standard rate in the rate schedule.
Offer: Promotional 7-month CD; new money only (funds not currently on deposit at Credit Union ONE; transfers from existing accounts do not qualify). Minimum $1,000 opening deposit. After maturity and a seven-day grace period, rolls into a 6-month CD at the then-current 6-month standard rate. Promotional terms and rates subject to change.
Promotional rate · 4.25% interest rate · Balance cap $250,000 · Effective Oct 15, 2026
Rate checked
More details - 4.30%APY$430 over 1 year on $10,000intro rate
Requirements
Product: FDIC insured up to $250,000 per depositor. No monthly fees when held to maturity. Early withdrawal penalty applies. Maximum deposit is $10 million. Not available for public units.
Offer: Must present offer at account opening. Limited-time offer. Not available for public units or Business CDs. Certain restrictions, including area restrictions, may apply.
Promotional rate · Balance cap $10,000,000 · Effective Oct 16, 2026
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 3 branches
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.10%APY$169 over 5 months on $10,000intro rate
Requirements
Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.
Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.
Promotional rate · 4.02% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.00%APY$231 over 7 months on $10,000intro rate
Requirements
Product: Tiered rates compounded and credited quarterly. Terms ranging from 12 to 60 months. A penalty may be imposed for early withdrawal.
Offer: Special limited time offer. New money only; funds currently deposited in accounts at Bank Michigan are not eligible for promotional interest rate. Cannot be combined with any other CD offer.
Promotional rate · 3.94% interest rate · Balance cap $249,999.99 · Effective Oct 5, 2026
Rate checked
More details - Lake Michigan Credit UnionCertificates of Deposit (CDs)CD · 60 months · $500 min
Credit union · 1 branch
4.00%APY$2,167 over 60 months on $10,000with conditionsRequirements
Product: Minimum opening balance of $500. $5 member savings balance required for membership. Rates subject to change. Early withdrawal penalty may apply.
Offer: Includes 0.25% MORE VIP Relationship Reward Bonus (400+ points).
Qualified rate · 3.93% interest rate · Effective Sep 18, 2026
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - 3.75%APY$375 over 1 year on $10,000with conditions
Requirements
Product: Qualify for Relationship Rewards interest rates when paired with a Key Advantage Checking ® , Key Privilege Checking ® , Key Privilege Select Checking ® , Key Select Checking ® , Key Private Client ® Checking , Key Private Bank Checking ® , or Key Private Bank Personal Checking Account.
Offer: Promotional Rate accurate as of September 26, 2026, 12-month Tiered CD with Relationship Rewards up to $99,999.99. Minimum opening deposit $2,500. Compounded daily. Early withdrawal penalties may apply.
Qualified rate · Compounded daily · Balance cap $99,999.99 · Effective Sep 26, 2026
Rate checked
More details - University of Michigan Credit UnionCertificates of DepositCD · 12 months · $500 min · 3.56%–3.82% by balance
Credit union · 6 branches
3.66%APY$366 over 1 year on $10,000Requirements
Product: Early withdrawal of principal prior to maturity date results in 90 days interest deducted from account balance. Minimum deposit to open is $500.
3.50% interest rate
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $500 and up 3.56% $10,000 and upYour amount 3.66% $100,000 and up 3.82% Rate checked
More details - 3.50%APY$712 over 24 months on $10,000
Requirements
Product: For deposits of $1,000 to $99,999. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: A penalty may be imposed for early withdrawal. Fees may reduce earnings.
3.46% interest rate · Balance cap $99,999 · Effective Oct 12, 2026
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - Michigan Schools & Government Credit UnionGrow-With-Me CDCD · 24 months · $250 min
Credit union · 1 branch
2.25%APY$455 over 24 months on $10,000Requirements
Product: $250 Minimum Average Daily Balance Required. Unlimited deposits throughout the term without changing maturity date or rate. Automatic renewal at maturity with a 10-day grace period.
2.23% interest rate
Rate checked
More details
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 CDs pay in Ann Arbor, MI
203 CDs at 13 banks and credit unions · checked Sep 18–Oct 22
- Typical
- 2.00%
- Top 10% from
- 3.75%
- Banks, typical
- 0.25%
- Credit unions, typical
- 3.30%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Ann Arbor, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- CommunityAmerica Credit UnionCredit union · 2 branches
- People Driven Credit UnionCredit union · 1 branch
- Michigan Schools & Government Credit UnionCredit union · 2 branches