Compare Bank & Credit Union Rates
Best CD rates in Troy, MI
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Troy, MI
- Michigan Schools & Government Credit UnionCertificate of DepositCD · 15 months · $500 min
Credit union · 1 branch
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 Funds withdrawn from MSGCU may not be returned and considered New Money within 90 calendar days of withdraw.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 - 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
Rate checked
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
Rate checked
More details - Cornerstone Community Financial Credit UnionCertificate of DepositCD · 7 months · $1,000 min
Credit union · 1 branch
4.40%APY$254 over 7 months on $10,000intro rateRequirements
Product: Must maintain an average daily balance of $1,000 to earn the APY. A penalty may be imposed for early withdrawals.
Offer: NEW MONEY Special Offer. Funds must be new money not already on deposit at CCFCU. Maximum CD amount is $500,000. Product may be modified or discontinued at any time.
Promotional rate · 4.40% interest rate · Balance cap $500,000 · Effective Nov 1, 2025
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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
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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
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More details - 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
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More details - 4.30%APY$1,834 over 48 months on $10,000
Requirements
Product: $500 minimum deposit. Annual Percentage Yield (APY) is compounded quarterly (except 182-day CD). A penalty may be imposed for early withdrawal. Accounts closed within the first 90 days are subject to a $25 service charge.
Offer: APY is compounded quarterly. A penalty may be imposed for early withdrawal.
Compounded quarterly · Effective Oct 13, 2026
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More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 2 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 - Michigan First Credit Union16 Month Certificate AccountCD · 16 months · $1,000 min
Credit union · 1 branch
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
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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
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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
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More details - 4.08%APY$168 over 5 months on $10,000intro rate
Requirements
Product: Deposit of $500 or more; penalties for early withdrawal of funds apply.
Offer: 5 Month Term Share Special. $500 minimum deposit to earn dividends.
Promotional rate · 4.00% interest rate · Effective Oct 16, 2026
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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
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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
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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 Troy, MI
297 CDs at 21 banks and credit unions · checked Sep 18–Oct 22
- Typical
- 2.50%
- Top 10% from
- 4.08%
- Banks, typical
- 0.50%
- Credit unions, typical
- 3.30%
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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