Compare Bank & Credit Union Rates
Best CD rates in Kalamazoo, MI
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Kalamazoo, MI
- 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 - 4.25%APY$210 over 6 months on $10,000
Requirements
Product: Membership in Kalsee Credit Union required. CDs subject to early redemption penalties. Fees may reduce earnings.
Offer: 6-Month Promo CD. Requires Platinum or VIP Perks (+0.25% APY). Funds currently on deposit at Kalsee Credit Union not eligible. Limited time offer.
4.18% interest rate · Balance cap $1,000,000 · Effective Jul 15, 2026
Rate checked
More details - OMNI Community Credit UnionCertificates of Deposit (CD)CD · 9 months · $1,000 min
Credit union · 1 branch
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 · 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 - North Central Area Credit UnionCertificate of DepositCD · 13 months · $500 min · 4.25%–4.35% by balance
Credit union · 1 branch
4.25%APY$461 over 13 months on $10,000Effective Oct 15, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 and upYour amount 4.25% $50,000 – $250,000 4.35% 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 - 4.05%APY$234 over 7 months on $10,000intro rate
Requirements
Product: FDIC-insured. Minimum opening deposit is generally $500. Early withdrawal penalty applies.
Offer: Limited-time offer. Must be opened with money not currently on deposit at Horizon Bank. Automatically renews to a 6-month fixed-rate CD. Penalty for early withdrawal.
Promotional rate · Effective Sep 29, 2026
Rate checked
More details - 4.05%APY$826 over 24 months on $10,000
Requirements
Product: Footnote states Add-On Certificates are suspended, see account and contact credit union for more details.
Offer: Footnote states Add-On Certificates are suspended, see account and contact credit union for more details.
Effective Oct 15, 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 - 4.00%APY$502 over 15 months on $10,000
Requirements
Product: Consumer CDs with balances up to $5,000,000.00. Early withdrawal penalty applies. Accrues daily simple interest based on a 365-day year (366 days in leap year). Compounded annually and at maturity.
Offer: Special rate; limited time only, rate subject to change.
Compounded annually · Balance cap $5,000,000 · Effective Oct 14, 2026
Rate checked
More details - Lake Michigan Credit UnionCertificates of Deposit (CDs)CD · 60 months · $500 min
Credit union · 2 branches
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 - 3.95%APY$196 over 6 months on $10,000
Requirements
Product: Flexible maturities range from 1 month to 60 months. Automatic renewal standard. Interest calculated on daily balance. Subject to early withdrawal penalty.
3.89% interest rate · Effective Sep 28, 2026
Rate checked
More details - 3.40%APY$1,820 over 60 months on $10,000
Effective Jun 1, 2026
Rate by balance
Rate by balance for Regular CDs Balance APY Any balance 3.30% $10,000 and upYour amount 3.40% 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 - 3.24%APY$772 over 28 months on $10,000intro rate
Requirements
Product: Allows a one-time flex in the interest rate earned during the initial term. Interest calculated on daily balance and credited/compounded quarterly. Subject to early withdrawal penalty.
Promotional rate · 3.20% interest rate · Compounded quarterly · Effective Sep 28, 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 Kalamazoo, MI
252 CDs at 15 banks and credit unions · checked Sep 18–Oct 22
- Typical
- 2.02%
- Top 10% from
- 4.00%
- Banks, typical
- 0.30%
- Credit unions, typical
- 3.15%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Kalamazoo, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- North Central Area Credit UnionCredit union · 1 branch
- KCCUCredit union · 5 branches
- Flagstar BankBank · 2 branches