Compare Bank & Credit Union Rates
Best CD rates in Dearborn, MI
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Dearborn, MI
- Chief Financial Credit UnionSpecial Share CertificatesCD · 24 months · $500 min
Credit union · 1 branch
4.45%APY$910 over 24 months on $10,000intro rateRequirements
Product: Federally insured by NCUA up to $250,000. Early withdrawal penalty may apply. Dividends paid monthly. Only new funds eligible for promotional rate.
Offer: Early withdrawal penalty may apply. Only new funds eligible for promotional rate.
Promotional rate · 4.36% interest rate · Effective Oct 1, 2026
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 - 4.35%APY$812 over 22 months on $10,000with conditions
Requirements
Product: Requires enrollment in Loving Our Communities Heroes Program. $1,000 minimum deposit required to earn Heroes Certificate rates. Rates only apply to those opened after program enrollment (or switched at maturity). Penalty for early withdrawal will apply. Membership open to anyone who lives, works, worships, or attends school in Michigan, or immediate family/household.
Offer: Dividends paid monthly; 180 days early withdrawal penalty. Rolls into 18-month CD at maturity.
Qualified rate · 4.27% interest rate · Effective Oct 5, 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 · 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 - 4.25%APY$793 over 22 months on $10,000
Requirements
Product: Minimum certificate deposit of $1,000 required. Penalty for early withdrawal will apply. Automatically renews at maturity for the same term at current prevailing rate unless otherwise noted. Membership open to anyone who lives, works, worships, or attends school in Michigan, or immediate family/household.
Offer: Dividends paid monthly; 180 days early withdrawal penalty. Rolls into 18-month CD at maturity.
4.17% interest rate · Effective Oct 5, 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 - 3.75%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 - Alliance Catholic Credit UnionRegular Share CertificatesCD · 13 months · $500 min
Credit union · 1 branch
3.75%APY$407 over 13 months on $10,000Requirements
Product: Rates guaranteed for the term of the Certificate. Dividends compounded and paid monthly. Early withdrawal penalty: for CDs with maturities of 9 months or less, penalty is 90 days of dividends/interest; for CDs with maturity of 12 months or greater, other than 13-Month Flexible CD, penalty is 180 days of dividends/interest. For 13-Month Flexible CD, one withdrawal up to 25% of the principal balance can be made without penalty; subsequent withdrawals penalized 180 days of interest.
Offer: 13 Month Flexible CD: one withdrawal up to 25% of the principal balance can be made without penalty; subsequent withdrawals penalized 180 days of interest.
3.68% interest rate · Effective Oct 5, 2026
Rate checked
More details - University of Michigan Credit UnionCertificates of DepositCD · 12 months · $500 min · 3.56%–3.82% by balance
Credit union · 1 branch
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 - 3.65%APY$1,963 over 60 months on $10,000
Requirements
Product: No setup or maintenance fees. Early withdrawals subject to penalty. Automatically renews at maturity with a 7-day grace period. Maximum deposit at listed rates is $500,000.
3.59% interest rate · Balance cap $500,000 · Effective Sep 9, 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 - Zeal Credit UnionCertificates of Deposit (CDs)CD · 60 months · $500 min · 2.20%–2.40% by balance
Credit union · 1 branch
2.20%APY$1,149 over 60 months on $10,000Requirements
Product: Early withdrawal penalty applies. Deposits and withdrawals are not allowed during the term of the certificate but can be made upon maturity. Minimum balance is $1,000 for all terms except 30-month ($100 minimum) and 60-month ($500 minimum).
Offer: Dividends paid quarterly. $500 minimum balance.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $500 – $24,999Your amount 2.20% $25,000 – $99,999 2.30% $100,000 and up 2.40% 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 Dearborn, MI
190 CDs at 13 banks and credit unions · checked Oct 16–22
- Typical
- 1.78%
- Top 10% from
- 3.75%
- Banks, typical
- 0.05%
- Credit unions, typical
- 3.25%
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Detroit, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Chief Financial Credit UnionCredit union · 4 branches
- Extra Credit UnionCredit union · 2 branches
- Christian Financial Credit UnionCredit union · 12 branches