Compare Bank & Credit Union Rates
Best CD rates in Muskegon, MI
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–12 results in Muskegon, MI
- Community Choice Credit UnionCertificates of DepositCD · 25 months · $500 min
Credit union · 1 branch
4.30%APY$917 over 25 months on $10,000Requirements
Product: Rates subject to change at any time. Penalty for early withdrawal applies.
Offer: Special rate subject to change at any time without notice. Not available for Public Units and Municipalities.
Effective Oct 1, 2026
Rate checked
More details - 4.25%APY$425 over 1 year on $10,000with conditions
Requirements
Product: Minimum $500 balance to earn dividend. Penalty for early withdrawal. Members can add money to any CD at any time, except restricted on some CD specials.
Offer: 0.25% APY bonus for Members with the Extra Mile Checking or Express Debit account and $600 or more in direct deposit.
Qualified rate · Effective Sep 25, 2026
Rate checked
More details - 4.25%APY$425 over 1 year on $10,000
Requirements
Product: Minimum $500 balance to earn dividend does not apply. Keep making deposits during the 12 months; each $25 is an entry into prize drawings (up to 100 entries/month). Penalty for early withdrawal.
Offer: 0.25% APY bonus for Members with the Extra Mile Checking or Express Debit account and $600 or more in direct deposit.
Effective Sep 25, 2026
Rate checked
More details - 4.07%APY$407 over 1 year on $10,000
Requirements
Product: Fixed rate locked at account opening. Requires maintaining a $5.00 par value share in the credit union. Early withdrawal penalty applies (90 days interest for terms 12 months or less, 180 days interest for terms over 12 months); 7-day grace period at maturity.
4.00% interest rate · Effective Dec 10, 2025
Rate checked
More details - 4.06%APY$406 over 1 year on $10,000
Requirements
Product: Rates are subject to change at any time, by direction of Board of Directors.
4.00% interest rate · Effective Sep 1, 2026
Rate checked
More details - 3.75%APY$186 over 6 months on $10,000
Requirements
Product: Fixed interest rate for the full term. Early withdrawal is subject to penalty. Deposits are federally insured by the NCUA up to $250,000. No setup or monthly maintenance charges.
Effective Oct 5, 2026
Rate checked
More details - 3.75%APY$375 over 1 year on $10,000
Requirements
Product: Minimum deposit of $500.00 to open. Certificates may not be added on to during their term. Withdrawals are limited to the dividends that have been deposited to the certificate; withdrawals affecting original purchase amount subject to penalty. Automatically renews at the same term with a 10-day grace period.
Rate checked
More details - Best Financial Credit UnionCertificates of Deposit (CDs)CD · 36 months · $500 min
Credit union · 1 branch
3.75%APY$1,168 over 36 months on $10,000Requirements
Product: No setup or service fees. Early withdrawal subject to penalty.
Offer: Early withdrawal penalty: 180 days interest.
3.70% interest rate
Rate checked
More details - 3.67%APY$367 over 1 year on $10,000
Requirements
Product: All Certificates of Deposit receive a 0.15% Renewal Bonus upon expiration (added to rate not APY). Rates are subject to change without notice.
Offer: 0.15% Renewal Bonus upon expiration (added to rate not APY)
Effective Oct 8, 2026
Rate checked
More details - Consumers Credit UnionCertificate of Deposit (CD)CD · 60 months · $1,000 min · 1.01%–1.10% by balance
Credit union · 1 branch
1.01%APY$515 over 60 months on $10,000Requirements
Product: $1,000 minimum deposit required. Withdrawals prior to maturity are subject to an early withdrawal penalty fee. Backed by NCUA Insurance.
Offer: $1,000 minimum deposit required. Withdrawals prior to maturity are subject to an early withdrawal penalty fee.
1.01% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Certificate of Deposit (CD) Balance APY $1,000 – $24,999Your amount 1.01% $25,000 and up 1.10% Rate checked
More details - 1.00%APY$50 over 6 months on $10,000
Requirements
Product: Allows additional deposits manually or automatically through payroll deduction or direct deposit prior to maturity. Requires maintaining a $5.00 par value share in the credit union.
1.00% interest rate · Effective Dec 10, 2025
Rate checked
More details - 0.50%APY$50 over 1 year on $10,000
Requirements
Product: For every $25 deposited, account holder enters into drawings for monthly and quarterly cash prizes.
0.50% interest rate · Effective Dec 10, 2025
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 Muskegon, MI
77 CDs at 9 banks and credit unions · checked Oct 16
- Typical
- 3.43%
- Top 10% from
- 4.06%
- Credit unions, typical
- 3.43%
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Muskegon, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Port City Credit UnionCredit union · 1 branch
- Muskegon Federal Credit UnionCredit union · 2 branches
- Lake Michigan Credit UnionCredit union · 4 branches