Best CD rates in Detroit, MI

Requirements

Product: For loved ones opening an account after a member passes away. Funds must have been on deposit at DMCU at the time of death. The individual must be a representative, beneficiary or joint owner of the descendant's account and qualify for membership. Allows two withdrawals without penalty; third withdrawal assesses penalty and closes account. Minimum deposit $5,000, maximum deposit $1,000,000.

Offer: Must be representative, beneficiary or joint owner of descendant's account with funds on deposit at DMCU at time of death. Two withdrawals allowed without penalty during term; third withdrawal incurs penalty and closes account.

Requirements

Product: Offer applies to new money only — funds not on deposit at orsa within the 30 days prior to account opening. Available at orsa branches and through Care Center. Early withdrawal penalty of 180 days' dividends may be imposed. Wire transfer fees up to $50 waived.

Offer: New money only (funds not on deposit at orsa within the 30 days prior to account opening). Early withdrawal penalty of 180 days' dividends. Wire transfer fees up to $50 waived.

Requirements

Product: Dividends paid and compounded quarterly. Rates determined by the principal balance when opened. Automatic renewal at maturity. Early withdrawal penalties may apply.

Requirements

Product: Fixed-rate certificate. Early withdrawal penalties apply: 90 days dividends for terms of 1 year or less; 180 days dividends for terms of 13 months to 5 years; 365 days dividends for terms of more than 5 years. No monthly or maintenance fees.

Offer: Valid thru 10/11/2026.

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.

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.

Requirements

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.

Requirements

Product: Minimum balance to open an account and earn advertised APY is $1,000. Early withdrawal penalty applies. Fees may reduce earnings.

Offer: Balance $1,000+ required.

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.

Requirements

Product: Promotional rates effective May 26th, 2026, and subject to change without notice. $1,000 minimum to open. 5-month term and 7-month to revert to non-promo 6-month term upon maturity. Specials are non-renewable. Subject to penalty for early withdrawal.

Offer: Dividends paid Annually. Reverts to non-promo 6-month term upon maturity. Specials are non-renewable.

Requirements

Product: Minimum to open: $100. Early withdrawal penalty applies. Wire transfer fees up to $50 waived. Stated rate accurate as of Oct 15, 2026.

Offer: 7-Month Special Certificate. Wire transfer fees up to $50 waived. Early withdrawal penalty applies.

Requirements

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).

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.

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.

Requirements

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.