Compare Bank & Credit Union Rates
Best CD rates in Battle Creek, MI
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Battle Creek, MI
- 4.70%APY$591 over 15 months on $10,000intro rate
Requirements
Product: Promotional limited-time offer. Minimum deposit of $50 required. Fees may reduce earnings. Penalty may be imposed for early withdrawal. Dividends compounded and credited monthly. Additional deposits are permitted during the CD term. One rate bump permitted during the CD term.
Offer: Promotional special. Minimum deposit $50. Dividends compounded and credited monthly. Additional deposits permitted during term. One rate bump permitted during term. Penalty for early withdrawal may be imposed.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - 4.61%APY$422 over 11 months on $10,000with conditions
Requirements
Product: Dividends compounded and paid monthly. Early withdrawal penalties may apply. Requires membership in Advia Credit Union.
Offer: 11-Month Promo CD with Advantage Plus Rewards qualifications met at opening. Reverts to non-promotional 12-month term upon maturity.
Qualified rate · Effective Aug 1, 2026
Rate checked
More details - 4.45%APY$183 over 5 months on $10,000intro rate
Requirements
Product: Limited time offer. Membership Required. Certificate bonus is only available on new certificates. Advertised rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY. Penalty may apply for early withdrawal. At maturity the 5-month certificate term and 14-month certificate term will renew at a 12-month term at then current rate.
Offer: Advertised APY as high as 4.45% includes 0.25% APY increase with 20,000 VIP Lifetime Reward Points; standard APY is 4.20% on balances $500.00 - $49,999.99.
Promotional rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Certificate Specials Balance APY $500 – $50,000Your amount 4.45% $50,000 and upAdvertised APY as high as 4.55% includes 0.25% APY increase with 20,000 VIP Lifetime Reward Points; 4.55% 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 - OMNI Community Credit UnionCertificates of Deposit (CD)CD · 9 months · $1,000 min
Credit union · 2 branches
4.25%APY$317 over 9 months on $10,000intro rateRequirements
Product: Automatic renewal at maturity.
Offer: CD Special; subject to change.
Promotional rate · Effective Oct 5, 2026
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 1 branch
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 - 4.10%APY$237 over 7 months on $10,000
Requirements
Product: Minimum balance for consumer is $500. Early withdrawal penalty may apply. Pairing with an Ultra Checking account unlocks a 0.10% APY bonus rate.
Offer: 7 Month Special with bonus rate. Requires the Tax Reported Owner to also be the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00.
3.94% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.03%APY$267 over 8 months on $10,000
Requirements
Product: Minimum opening deposit is $50.00 unless otherwise noted. Youth under 18 receive an additional 0.25% APY to stated rates unless noted. Early withdrawal penalty may apply.
Offer: 8-month CD Special. Minimum opening balance of $1,000 required. Not applicable for Public Funds. Not eligible for Rate Protector rate bump. Renews at standard 9-month CD terms upon maturity. Early withdrawal penalty is 90 days of interest.
3.96% interest rate · Effective Oct 16, 2026
Rate checked
More details - 3.50%APY$530 over 18 months on $10,000
Requirements
Product: Non-compounding; payout of dividends is mandatory (monthly, quarterly, semi-annually, or annually). Calculated by daily balance method. Penalty for early withdrawal may apply. Fees may reduce earnings.
Offer: Early withdrawal penalty may apply. Non-compounding.
3.50% interest rate · Effective Oct 15, 2026
Rate checked
More details - KCCURegular Certificate AccountsCD · 48 months · $500 min · 3.00%–3.10% by balance
Credit union · 3 branches
3.00%APY$1,255 over 48 months on $10,000intro rateRequirements
Product: Membership required. Certificate bonus is only available on new certificates. Advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they earn standard APY (rate minus 0.25% APY). Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate.
Offer: Advertised APY as high as 3.00% includes 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points; standard APY is 2.75%.
Promotional rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Regular Certificate Accounts Balance APY $500 and upYour amount 3.00% $50,000 and upAdvertised APY as high as 3.10% includes 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points; standard APY is 2.85%. 3.10% Rate checked
More details - 2.73%APY$1,442 over 60 months on $10,000
Requirements
Product: Minimum balance of $50, with a maximum insured deposit of $250,000. Dividends paid directly to certificate on a monthly basis. Subject to early withdrawal penalty. Additional deposits not allowed. Automatically renews with 10-day grace period.
Offer: Fixed rate. Early withdrawal penalty: 180 days dividends. Automatically renews with 10 day grace period. Additional deposits not allowed.
2.70% interest rate · Balance cap $250,000 · Effective Oct 1, 2026
Rate checked
More details - 2.10%APY$643 over 36 months on $10,000
Requirements
Product: Early withdrawal penalty may apply. Rates may change after account is opened. Pairing with Ultra Checking account unlocks a 0.10% APY bonus rate.
Offer: Bonus rate of 0.10% APY when the Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00.
Balance cap $1,000,000 · Effective Oct 1, 2026
Rate checked
More details - 1.90%APY$384 over 24 months on $10,000
Requirements
Product: Add-on CD allowing unlimited deposits throughout the term. Dividends are compounded and paid monthly. Advantage Plus Rewards incentive may not be applied. Fees may reduce earnings. Requires membership in Advia Credit Union.
Offer: Unlimited deposits permitted during term.
1.88% interest rate · Effective Jun 16, 2026
Rate checked
More details - 1.70%APY$170 over 1 year on $10,000with conditions
Requirements
Product: Early withdrawal penalty may apply. Rates may change after account is opened. Pairing with Ultra Checking account unlocks a 0.10% APY bonus rate.
Offer: Bonus rate of 0.10% APY when the Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00.
Qualified rate · Balance cap $250,000 · Effective Oct 1, 2026
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 Battle Creek, MI
131 CDs at 10 banks and credit unions · checked Oct 16–22
- Typical
- 2.00%
- Top 10% from
- 4.10%
- Banks, typical
- 0.25%
- Credit unions, typical
- 2.10%
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Battle Creek, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- KCCUCredit union · 7 branches
- Flagstar BankBank · 1 branch