Compare Bank & Credit Union Rates
Best CD rates in Bay City, MI
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Bay City, MI
- 4.50%APY$920 over 24 months on $10,000
4.40% interest rate
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 - 4.13%APY$448 over 13 months on $10,000with conditions
Requirements
Product: CD Special requires an Independent Bank checking account. Interest is compounded monthly and paid to the account monthly. Minimum balance to earn interest is $0.01. Early withdrawal penalty applies (six months interest for terms of more than one year). Automatically renews at maturity with a 10 calendar day grace period. Rates apply to personal CDs.
Offer: Requires an Independent Bank checking account.
Qualified rate · 4.05% interest rate · Compounded monthly · Effective Oct 14, 2026
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 - 3.87%APY$224 over 7 months on $10,000with conditions
Requirements
Product: CD Special requires an Independent Bank checking account. Interest is compounded monthly and paid to the account monthly. Minimum balance to earn interest is $0.01. Early withdrawal penalty applies (three months interest for terms of one year or less). Automatically renews at maturity with a 10 calendar day grace period. Rates apply to personal CDs.
Offer: Requires an Independent Bank checking account.
Qualified rate · 3.80% interest rate · Compounded monthly · Effective Oct 14, 2026
Rate checked
More details - 3.85%APY$223 over 7 months on $10,000intro rate
Requirements
Product: Minimum $1,000 deposit to open and earn dividends. Automatically rolls over at maturity with a 10-day grace period. Early withdrawal penalties apply.
Offer: Special 7 Month Share Certificate is a limited time offer and may be cancelled at any time without notice. Bring new money to Credit Union 1 to maximize earnings. Automatically rolls over when it reaches maturity to a 6 Month Share Certificate with a 10-day grace period where you can transfer the money to another Share Certificate or withdraw your money without penalty. Early withdrawal penalty of 90 days’ Dividends.
Promotional rate · 3.78% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.76%APY$93 over 3 months on $10,000with conditions
Requirements
Product: CD Special requires an Independent Bank checking account. Interest is compounded monthly and paid to the account monthly. Minimum balance to earn interest is $0.01. Early withdrawal penalty applies (three months interest for terms of one year or less). Automatically renews at maturity with a 10 calendar day grace period. Rates apply to personal CDs.
Offer: Requires an Independent Bank checking account.
Qualified rate · 3.70% interest rate · Compounded monthly · Effective Oct 14, 2026
Rate checked
More details - 3.75%APY$964 over 30 months on $10,000
Requirements
Product: Compounding and crediting frequencies vary by term (monthly or quarterly). Early withdrawal penalties and fees may reduce earnings. 39 Month Bump Up allows a rate increase once during the term.
Offer: Compounded quarterly and paid quarterly.
3.70% interest rate · Compounded quarterly · Effective Oct 5, 2026
Rate checked
More details - 3.60%APY$360 over 1 year on $10,000
Requirements
Product: No additional deposits during the CD term. Early withdrawal penalties may apply. Funds can be used as collateral for a Certificate Secured Loan.
3.54% interest rate
Rate checked
More details - FinancialEdge Credit UnionCertificates of DepositCD · 37 months · $1,000 min
Credit union · 2 branches
3.40%APY$1,086 over 37 months on $10,000Requirements
Product: Interest calculated by daily balance method. Rates fixed for term of certificate. Penalty may be imposed for early withdrawal. Minimum opening and dividend balance for minors is $100.
Offer: Special rate.
3.35% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.25%APY$325 over 1 year on $10,000
Requirements
Product: Requires a minimum balance of $10,000 to open and earn dividends. Early withdrawal penalties apply.
Offer: Early withdrawal penalty of 90 days’ Dividends.
3.20% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.09%APY$628 over 24 months on $10,000
Requirements
Product: Interest is compounded monthly and paid to the account monthly. Minimum balance to earn interest is $0.01. Early withdrawal penalty applies (six months interest for terms of more than one year). Automatically renews at maturity with a 10 calendar day grace period. Rates apply to personal CDs.
3.05% interest rate · Compounded monthly · Effective Oct 14, 2026
Rate checked
More details - 2.68%APY$268 over 1 year on $10,000
Requirements
Product: Interest is compounded monthly and paid to the account monthly. Minimum balance to earn interest is $0.01. Early withdrawal penalty applies (three months interest for terms of one year or less). Automatically renews at maturity with a 10 calendar day grace period. Rates apply to personal CDs.
2.65% interest rate · Compounded monthly · Effective Oct 14, 2026
Rate checked
More details - 2.43%APY$121 over 6 months on $10,000
Requirements
Product: Interest is compounded monthly and paid to the account monthly. Minimum balance to earn interest is $0.01. Early withdrawal penalty applies (three months interest for terms of one year or less). Automatically renews at maturity with a 10 calendar day grace period. Rates apply to personal CDs.
2.40% interest rate · Compounded monthly · Effective Oct 14, 2026
Rate checked
More details - United Bay Community Credit UnionTerm Savings CertificateCD · 60 months · $500 min
Credit union · 1 branch
1.01%APY$515 over 60 months on $10,000Requirements
Product: All certificates have the following terms unless noted otherwise: minimum deposit of $500.00 is required (with the exception of the Youth Certificate which is a $25 minimum); a penalty will be imposed for early withdrawal; Interest is compounded daily and paid monthly. Rate is fixed for term of certificate but may adjust at maturity. Rates are subject to change without notice.
1.00% interest rate · Compounded daily · Effective Oct 15, 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 Bay City, MI
96 CDs at 9 banks and credit unions · checked Oct 16–22
- Typical
- 2.75%
- Top 10% from
- 3.73%
- Banks, typical
- 0.25%
- Credit unions, typical
- 3.25%
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Find your bank or credit union to see all its rates and how they compare near you.
Bay City, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- United Financial Credit UnionCredit union · 3 branches
- Lake Huron Credit UnionCredit union · 1 branch
- Sunrise Family Credit UnionCredit union · 2 branches