Compare Bank & Credit Union Rates
Best CD rates in Saginaw, MI
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 16–21 results in Saginaw, MI
- 3.00%APY$25 over 1 months on $10,000
Requirements
Product: Fixed rate for the time horizon chosen from 1 month to 5 years. Penalty for early withdrawal.
Offer: Penalty for early withdrawal.
2.72% interest rate
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY Up to $10,000 2.75% $10,000 and upYour amount 3.00% Rate checked
More details - 3.00%APY$300 over 1 year on $10,000
Requirements
Product: Can add funds at anytime. Cannot withdraw until 12 months after date of opening. Withdrawal Charges: if the CD balance is under $25,000, fee for one-time withdrawal is $50; if $25,000 or higher, fee is $100.
Offer: Effective Date: October 15, 2026
2.97% interest rate · Effective Oct 15, 2026
Rate checked
More details - 2.80%APY$69 over 3 months on $10,000
Requirements
Product: Length of term: 3 months through 60 months. Minimum amounts: $500.00. Early withdrawal penalty applies. Must compound to earn stated APY.
Offer: Effective Date: October 15, 2026
2.76% interest rate · Balance cap $99,999 · Effective Oct 15, 2026
Rate checked
More details - 2.68%APY$268 over 1 year on $10,000
Requirements
Product: Interest is compounded monthly and paid to the account monthly. Minimum balance to earn interest is $0.01. Early withdrawal penalty applies (three months interest for terms of one year or less). Automatically renews at maturity with a 10 calendar day grace period. Rates apply to personal CDs.
2.65% interest rate · Compounded monthly · Effective Oct 14, 2026
Rate checked
More details - 2.43%APY$121 over 6 months on $10,000
Requirements
Product: Interest is compounded monthly and paid to the account monthly. Minimum balance to earn interest is $0.01. Early withdrawal penalty applies (three months interest for terms of one year or less). Automatically renews at maturity with a 10 calendar day grace period. Rates apply to personal CDs.
2.40% interest rate · Compounded monthly · Effective Oct 14, 2026
Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% 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 Saginaw, MI
145 CDs at 10 banks and credit unions · checked Oct 16
- Typical
- 2.00%
- Top 10% from
- 3.55%
- Banks, typical
- 0.25%
- Credit unions, typical
- 3.44%
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Find your bank or credit union to see all its rates and how they compare near you.
Saginaw, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Dow Credit UnionCredit union · 1 branch
- United Financial Credit UnionCredit union · 6 branches
- Lake Huron Credit UnionCredit union · 2 branches