Compare Bank & Credit Union Rates
Best CD rates in Midland, MI
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Midland, MI
- 4.50%APY$336 over 9 months on $10,000intro rate
Requirements
Product: Promotional Certificate. Membership required ($5 minimum deposit). Maximum deposit $100,000. Only one account allowed per primary member SSN. Upon maturity, promotional certificate renews at the next lowest regular certificate term and rate (7 Month renews as regular 6 Month Certificate; 9 Month renews as regular 6 Month Certificate).
Offer: Must be opened with new money (deposits not previously or currently held at Health Advantage Federal Credit Union). Renews as regular 6 Month Certificate upon maturity. Maximum balance $100,000.
Promotional rate · 4.40% interest rate · Balance cap $100,000 · Effective Oct 5, 2026
Rate checked
More details - 4.50%APY$488 over 13 months on $10,000
Requirements
Product: Starting minimum deposit of $500. Not eligible for the potential year-end Member Saver Reward. Rates effective 10/01/2026. Terms: 3, 6, 12, 13, 18, 24, 36, 48, 60 months.
Offer: Term: 13 Months SPECIAL
4.41% interest rate · Effective Oct 1, 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$534 over 15 months on $10,000
Requirements
Product: For members under the age of 18 the required minimum balance on all CDs is $100.00. 0.10% APY bonus earned if you also have a M1 Premier Checking Account. A penalty may be assessed for early withdrawals. Fees and withdrawals of funds from this account prior to maturity will reduce earning.
Offer: Minimum opening deposit $500. Required minimum balance is $100 for members under 18. 0.10% APY bonus earned if you also have a M1 Premier Checking Account. Penalty for early withdrawal.
4.17% interest rate · Effective Oct 15, 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 - 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 - 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
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More details - 3.85%APY$287 over 9 months on $10,000intro rate
Requirements
Product: Dividends are compounded and credited monthly. Penalty for early withdrawal.
Promotional rate · 3.78% interest rate
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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 - 3.65%APY$743 over 24 months on $10,000
Requirements
Product: Earn a fixed rate of interest over the entire period of the investment. Starting minimum deposit is $500. Eligible for Member Saver Reward. APY assumes interest payouts remain in account until maturity. Early withdrawal penalty may apply.
3.59% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.65%APY$1,542 over 48 months on $10,000
Requirements
Product: If rates increase, CD owners have the option to bump the rate one time during the term. Starting minimum deposit is $500. Eligible for Member Saver Reward. APY assumes interest payouts remain in certificate account until maturity. Early withdrawal penalty may apply. Not available for CD Secured Loans.
3.59% interest rate · Effective Oct 1, 2026
Rate checked
More details - Security Credit UnionShare Certificates of DepositCD · 60 months · $1,000 min
Credit union · 1 branch
3.65%APY$1,963 over 60 months on $10,000Requirements
Product: Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Rates are effective as of October 1, 2026. Rates are subject to change without notice; printed matter such as our newsletter Security Matters takes priority over Internet rates. Call Security Credit Union for current rates. Penalty will be imposed for early withdrawal (90 days interest for terms of 12 months or less, 180 days interest for terms greater than 1 year). Fees may reduce earnings on the account.
Effective Oct 1, 2026
Rate checked
More details - 3.65%APY$1,963 over 60 months on $10,000
Requirements
Product: Membership required ($5 minimum deposit). Fixed rate. Dividends compounded and credited monthly; daily balance method. Penalty may apply for early withdrawal. Automatically renewable with a 10-day grace period.
Offer: Early withdrawal penalty: 180-day dividend penalty for terms > 365 days.
3.59% interest rate · Effective Oct 5, 2026
Rate checked
More details - Health Advantage Credit UnionSmart Savers CertificateCD · 12 months · $25 min
Credit union · 1 branch
3.60%APY$360 over 1 year on $10,000Requirements
Product: Allows unlimited additional flex deposits during the term. Only one account allowed per primary member SSN. Membership required ($5 minimum deposit). One withdrawal allowed with a $25 penalty; if balance falls below minimum or second withdrawal occurs, certificate is terminated. Automatically renews if balance is $25 or greater.
Offer: Fixed rate. Allows unlimited deposits during the term.
3.54% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.55%APYintro rate
Requirements
Product: One-time rate bump on 60 month term. Dividends are compounded and credited monthly. Penalty for early withdrawal.
Promotional rate · 3.49% interest rate
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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 Midland, MI
121 CDs at 12 banks and credit unions · checked Oct 16–22
- Typical
- 3.50%
- Top 10% from
- 4.25%
- Banks, typical
- 2.18%
- Credit unions, typical
- 3.60%
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Midland, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Dow Credit UnionCredit union · 1 branch
- Health Advantage Credit UnionCredit union · 1 branch
- Frankenmuth Credit UnionCredit union · 1 branch