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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 16–30 results in Wayne County, MI · Showing Wayne County, MI: too few institutions in Plymouth, MI
- PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 22 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 - 4.25%APY$793 over 22 months on $10,000
Requirements
Product: Minimum certificate deposit of $1,000 required. Penalty for early withdrawal will apply. Automatically renews at maturity for the same term at current prevailing rate unless otherwise noted. 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.
4.17% interest rate · Effective Oct 5, 2026
Rate checked
More details - 4.25%APY$3,382 over 84 months on $10,000
Requirements
Product: Membership required. $500 minimum deposit. Early withdrawal penalty may apply. Automatically renews at current non-promotional rate upon maturity.
4.17% interest rate · Effective Oct 15, 2026
Rate checked
More details - Michigan First Credit Union16 Month Certificate AccountCD · 16 months · $1,000 min
Credit union · 10 branches
4.18%APY$561 over 16 months on $10,000Requirements
Product: Minimum balance to open an account and earn advertised APY is $1,000. Early withdrawal penalty applies. Fees may reduce earnings.
Offer: Balance $1,000+ required.
4.10% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.13%APY$448 over 13 months on $10,000with conditions
Requirements
Product: CD Special requires an Independent Bank checking account. Interest is compounded monthly and paid to the account monthly. Minimum balance to earn interest is $0.01. Early withdrawal penalty applies (six months interest for terms of more than one year). Automatically renews at maturity with a 10 calendar day grace period. Rates apply to personal CDs.
Offer: Requires an Independent Bank checking account.
Qualified rate · 4.05% interest rate · Compounded monthly · Effective Oct 14, 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 - 4.10%APY$586 over 17 months on $10,000intro rate
Requirements
Product: Limited-time promotional special rate. Membership required. $500 minimum deposit for Standard Certificates of Deposit. Automatically renews at the current non-promotional rate upon maturity.
Offer: Limited time offer. Accurate as of 9/1/2026.
Promotional rate · 4.03% interest rate · Effective Sep 1, 2026
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · 1 branch
4.10%APY$621 over 18 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.10% $20,000 and up 4.10% $100,000 and up 4.15% Rate checked
More details - 4.08%APY$1,275 over 36 months on $10,000
Requirements
Product: Penalty for early withdrawal.
4.02% interest rate · Effective Oct 9, 2026
Rate checked
More details - Michigan Columbus Federal Credit UnionCertificates of Deposit (CDs)CD · 6 months · $500 min
Credit union · 1 branch
4.07%APY$201 over 6 months on $10,000Requirements
Product: Minimum balance is $500. Dividends calculated daily, paid quarterly. Available terms range from 6 to 60 months. Auto renew options available.
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More details - 4.06%APY$406 over 1 year on $10,000
3.99% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.06%APY$475 over 14 months on $10,000intro rate
Requirements
Product: Additional deposits of $10 to $25,000 allowed per day. One time option to change the rate offered on the same product. One time option to withdraw up to 25% of principal with no penalty.
Offer: 14 Month Flex CD Special renews into a regular 1 year certificate. Additional deposits of $10 to $25,000 allowed per day. One time option to change the rate offered on the same product. One time option to withdraw up to 25% of principal with no penalty. Penalty for early withdrawal.
Promotional rate · 4.00% interest rate · Effective Oct 9, 2026
Rate checked
More details - 4.05%APY$167 over 5 months on $10,000intro rate
Requirements
Product: Promotional rates effective May 26th, 2026, and subject to change without notice. $1,000 minimum to open. 5-month term and 7-month to revert to non-promo 6-month term upon maturity. Specials are non-renewable. Subject to penalty for early withdrawal.
Offer: Dividends paid Annually. Reverts to non-promo 6-month term upon maturity. Specials are non-renewable.
Promotional rate · 4.00% interest rate · Effective May 26, 2026
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More details - United Churches Credit UnionShare Certificate AccountsCD · 6 months · $500 min
Credit union · 1 branch
4.00%APY$198 over 6 months on $10,000intro rateRequirements
Product: Require a minimum deposit of $500 to open. Terms range from 3 to 60 months. Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply.
Offer: CD SPECIAL! Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply.
Promotional rate · 3.93% interest rate · Effective Sep 1, 2026
Rate checked
More details - 4.00%APY$231 over 7 months on $10,000intro rate
Requirements
Product: Minimum to open: $100. Early withdrawal penalty applies. Wire transfer fees up to $50 waived. Stated rate accurate as of Oct 15, 2026.
Offer: 7-Month Special Certificate. Wire transfer fees up to $50 waived. Early withdrawal penalty applies.
Promotional rate · 3.94% interest rate · Effective Oct 15, 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