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 31–42 results in Troy, MI
- Michigan First Credit Union36 Month Certificate AccountCD · 36 months · $1,000 min · 0.90%–3.56% by balance
Credit union · 1 branch
3.30%APY$1,023 over 36 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 to $9,999 required.
0.90% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 36 Month Certificate Account Balance APY $1,000 – $9,999 0.90% $10,000 – $49,999Your amount 3.30% $50,000 – $99,999 3.35% $100,000 – $499,999 3.56% $500,000 and up 3.56% Rate checked
More details - 3.24%APY$772 over 28 months on $10,000intro rate
Requirements
Product: Allows a one-time flex in the interest rate earned during the initial term. Interest calculated on daily balance and credited/compounded quarterly. Subject to early withdrawal penalty.
Promotional rate · 3.20% interest rate · Compounded quarterly · Effective Sep 28, 2026
Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - 3.09%APY$628 over 24 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 (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.
3.05% interest rate · Compounded monthly · Effective Oct 14, 2026
Rate checked
More details - 2.75%APY$823 over 35 months on $10,000
Requirements
Product: Allows making deposits to the principal balance during the initial term. Interest calculated on daily balance and credited/compounded quarterly. Subject to early withdrawal penalty.
2.72% interest rate · Compounded quarterly · Effective Sep 28, 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 - Michigan Schools & Government Credit UnionGrow-With-Me CDCD · 24 months · $250 min
Credit union · 1 branch
2.25%APY$455 over 24 months on $10,000Requirements
Product: $250 Minimum Average Daily Balance Required. Unlimited deposits throughout the term without changing maturity date or rate. Automatic renewal at maturity with a 10-day grace period.
2.23% interest rate
Rate checked
More details - Cornerstone Community Financial Credit UnionStep-Up CertificateCD · 24 months · $1,000 min
Credit union · 1 branch
1.10%APY$221 over 24 months on $10,000intro rateRequirements
Product: 24-month certificate with rate bumps every 6 months. Dividends paid at maturity. Penalty may apply for early withdrawal.
Offer: Fourth 6 months rate
Promotional rate · 1.10% interest rate · Effective Jan 1, 2026
Rate checked
More details - 0.75%APY$381 over 60 months on $10,000
Requirements
Product: Federally insured by NCUA up to $250,000. Early withdrawal penalty may apply.
Offer: Early withdrawal penalty may apply.
0.75% interest rate · Effective Oct 1, 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 - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 5, 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 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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Find your bank or credit union to see all its rates and how they compare near you.
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