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Best CD rates in Plymouth, MI
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Wayne County, MI · Showing Wayne County, MI: too few institutions in Plymouth, MI
- Diversified Members Credit UnionLegacy Certificate of DepositCD · 12 months · $5,000 min
Credit union · 2 branches
5.15%APY$515 over 1 year on $10,000Requirements
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.
Balance cap $1,000,000 · Effective Oct 1, 2026
Rate checked
More details - 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 - 4.55%APY$339 over 9 months on $10,000
Requirements
Product: Early withdrawals and applicable fees may reduce earnings. Loss of 90 days' interest for terms 12 months or less, 180 days' interest for terms greater than 12 months. Membership and eligibility requirements apply.
4.47% interest rate
Rate checked
More details - Michigan Schools & Government Credit UnionCertificate of DepositCD · 15 months · $500 min
Credit union · 2 branches
4.55%APY$572 over 15 months on $10,000intro rateRequirements
Product: $500 Minimum Average Daily Balance Required. Certificate of Deposits will automatically renew at maturity. You have a grace period of ten (10) calendar days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty. Promotional Certificates will automatically renew at maturity to a standard term Certificate offered at the time of maturity. Bump rate option available on longer-term CDs.
Offer: The 15-month promotional CD is offered as of 7/1/2026 and is available for new money only. New money means funds that are not currently on deposit at MSGCU. This offer cannot be combined with current MSGCU deposit dollars, including rollovers from maturing MSGCU CDs. Funds are considered new money if received through cash, check, or wire transfer and CD is opened within five calendar days. Funds from an IRA direct transfer or rollover from another institution are also considered new money if deposited into the IRA share and CD opened within five calendar days. Funds withdrawn from MSGCU may not be returned and considered New Money within 90 calendar days of withdraw. Businesses, municipalities, and MSGCU team members are not eligible. Available in branches or when opening a new membership online. At maturity, renewed to a 1-year term CD.
Promotional rate · 4.48% interest rate
Rate checked
More details - Christian Financial Credit UnionCertificates of DepositCD · 12 months · $500 min
Credit union · 4 branches
4.50%APY$450 over 1 year on $10,000Requirements
Product: Dividends are compounded and credited quarterly for 6 month CDs and monthly for all other CDs. Early withdrawal penalties may apply. Fees may reduce earnings. 7-calendar-day grace period after maturity.
Offer: 12-Month Certificate; Minimum Balance $500.
4.41% interest rate · Effective Oct 16, 2026
Rate checked
More details - orsa credit unionNew Money 17-Month Share CertificateCD · 17 months · $10,000 min
Credit union · 7 branches
4.50%APY$643 over 17 months on $10,000intro rateRequirements
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.
Promotional rate · 4.43% interest rate · Effective Sep 16, 2026
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More details - 4.50%APY$960 over 25 months on $10,000intro rate
Requirements
Product: Certificate specials are for a limited time. Non-renewable (7 month renews into 6 month, 13 month renews into 12 month, 19 month renews into 18 month, 25 month renews into 24 month). Penalty for early withdrawal.
Offer: Specials are non-renewable; 25 month term will renew into an 24 month term certificate.
Promotional rate · 4.43% interest rate · Effective Oct 9, 2026
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More details - Chief Financial Credit UnionSpecial Share CertificatesCD · 24 months · $500 min
Credit union · 1 branch
4.45%APY$910 over 24 months on $10,000intro rateRequirements
Product: Federally insured by NCUA up to $250,000. Early withdrawal penalty may apply. Dividends paid monthly. Only new funds eligible for promotional rate.
Offer: Early withdrawal penalty may apply. Only new funds eligible for promotional rate.
Promotional rate · 4.36% interest rate · Effective Oct 1, 2026
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More details - 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
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More details - 4.35%APY$812 over 22 months on $10,000with conditions
Requirements
Product: Requires enrollment in Loving Our Communities Heroes Program. $1,000 minimum deposit required to earn Heroes Certificate rates. Rates only apply to those opened after program enrollment (or switched at maturity). Penalty for early withdrawal will apply. Membership open to anyone who lives, works, worships, or attends school in Michigan, or immediate family/household.
Offer: Dividends paid monthly; 180 days early withdrawal penalty. Rolls into 18-month CD at maturity.
Qualified rate · 4.27% interest rate · Effective Oct 5, 2026
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More details - MSU Federal Credit UnionCertificateCD · 84 months · $2,500 min · 4.35%–4.50% by balance
Credit union · 1 branch
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 - 4.33%APY$250 over 7 months on $10,000intro rate
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.
Promotional rate · 4.25% interest rate · Balance cap $250,000 · Effective Oct 15, 2026
Rate checked
More details - Community Focus Federal Credit UnionShare CertificateCD · 6 months · $1,000 min
Credit union · 4 branches
4.30%APY$213 over 6 months on $10,000Requirements
Product: Fixed dividend rate for the entire term. Early withdrawal penalty usually applies. At maturity, Certificate funds automatically transfer to Savings account if not renewed. Serves individuals, families, and businesses throughout Wayne and Monroe counties.
Offer: $1000 minimum deposit.
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 - Community Choice Credit UnionCertificates of DepositCD · 25 months · $500 min
Credit union · 6 branches
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
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 Wayne County, MI
509 CDs at 46 banks and credit unions · checked Oct 4–22
- Typical
- 3.15%
- Top 10% from
- 4.10%
- Banks, typical
- 0.25%
- Credit unions, typical
- 3.35%
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Detroit, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Chief Financial Credit UnionCredit union · 4 branches
- Extra Credit UnionCredit union · 2 branches
- Christian Financial Credit UnionCredit union · 12 branches