Compare Bank & Credit Union Rates
Best CD rates in Lansing, MI
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Lansing, MI
- 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$2,373 over 60 months on $10,000
Requirements
Product: Available to anyone who lives, works, worships, or attends school in the State of Michigan; credit union membership requires a $5 share deposit. Early withdrawal penalty on 6-month certificate is 90 days loss of interest; on 12-month term or longer is 180 days loss of interest.
Offer: Early withdrawal penalty is 180 days loss of interest.
4.28% interest rate · Effective Oct 1, 2026
Rate checked
More details - MSU Federal Credit UnionCertificateCD · 84 months · $2,500 min · 4.35%–4.50% by balance
Credit union · 2 branches
4.35%APY$3,472 over 84 months on $10,000intro rateRequirements
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.
Promotional rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Certificate Balance APY $2,500 and upYour amount 4.35% $100,000 and upJumbo tier. 4.50% 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 · 2 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 - Notre Dame Federal Credit UnionStandard CertificateCD · 24–35 months · $0 min
Credit union · 1 branch
4.25%APYRequirements
Product: Fixed rate for the term of the certificate. Early withdrawal penalty may apply.
Effective Oct 1, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Prize-linked 12-month certificate account. Allows deposits after opening. Early withdrawal penalty is $25. Must follow Save to Win program rules. Membership requires a $5 share deposit.
Offer: Prize-linked savings CD; early withdrawal penalty is $25. Allows deposits after opening.
4.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.85%APY$2,079 over 60 months on $10,000
Requirements
Product: Credit Union Membership is required for all accounts.
3.78% interest rate
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 - Consumers Professional Credit UnionCertificates of DepositCD · 6 months · $1,000 min · 3.65%–3.75% by balance
Credit union · 1 branch
3.65%APY$181 over 6 months on $10,000Requirements
Product: Dividends are compounded quarterly and paid quarterly. A penalty may be imposed for early withdrawals. Fees may reduce earnings on accounts.
Offer: Dividends compounded quarterly and paid quarterly. Early withdrawal penalty may apply.
3.60% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $49,999Your amount 3.65% $50,000 and up 3.75% Rate checked
More details - 3.35%APY$335 over 1 year on $10,000
Requirements
Product: Credit Union Membership is required for all accounts.
3.30% interest rate
Rate checked
More details - 3.35%APY$335 over 1 year on $10,000
Requirements
Product: Requires a minimum balance of $10,000 to open. Early withdrawal penalties apply (equal to 120-240 days' dividends on the amount withdrawn). Renewals are automatic with a 10-day grace period.
Offer: Minimum opening deposit and minimum balance to earn APY is $10,000.
3.30% interest rate · Effective Jun 29, 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 - 3.25%APY$325 over 1 year on $10,000
Requirements
Product: Credit Union Membership is required for all accounts.
3.20% interest rate
Rate checked
More details - 3.25%APY$325 over 1 year on $10,000
Requirements
Product: Open for as little as $50. Additional add-on deposits allowed. Dividends compounded and credited monthly. Penalties for early withdrawal will apply (equal to 90-180 days' dividends on the amount withdrawn). Renewals are automatic with a 10-day grace period.
Offer: Minimum opening deposit and minimum balance to earn APY is $50. Additional deposits allowed.
3.20% interest rate · Effective Jun 29, 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 Lansing, MI
180 CDs at 13 banks and credit unions · checked Oct 5–22
- Typical
- 2.25%
- Top 10% from
- 4.00%
- Banks, typical
- 0.04%
- Credit unions, typical
- 3.59%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Lansing, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Flagstar BankBank · 3 branches
- CASE Credit UnionCredit union · 5 branches
- LAFCUCredit union · 8 branches