Compare Bank & Credit Union Rates
Best CD rates in Michigan
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 211–225 results in Michigan
- 3.40%APY$85 over 3.03 months on $10,000
Requirements
Product: Flexible terms up to 5 years; additional deposits not permitted. Interest begins accruing on business day of deposit. Deposits accepted only from customers with a primary or secondary residence in local communities.
Offer: Term: 91 Days. Early withdrawal penalty: 3 month.
3.35% interest rate · Effective Aug 11, 2025
Rate checked
More details - Michigan First Credit Union24 Month Certificate AccountCD · 24 months · $1,000 min · 1.26%–3.82% by balance
Credit union · 32 branches
3.40%APY$692 over 24 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.
1.25% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 24 Month Certificate Account Balance APY $1,000 – $9,999 1.26% $10,000 – $49,999Your amount 3.40% $50,000 – $99,999 3.40% $100,000 – $499,999 3.61% $500,000 and up 3.82% Rate checked
More details - FinancialEdge Credit UnionCertificates of DepositCD · 37 months · $1,000 min
Credit union · 2 branches
3.40%APY$1,086 over 37 months on $10,000intro rateRequirements
Product: Interest calculated by the daily balance method. Rates fixed for the term of the certificate. Compounded and credited monthly. Penalty may be imposed for early withdrawal. Additional deposits not permitted after account opening. 7-day grace period after maturity. Minimum opening balance and minimum balance for interest for minors is $100.
Offer: Special. Compounded and credited monthly.
Promotional rate · 3.35% interest rate · Effective Oct 23, 2026
Rate checked
More details - 3.40%APY$1,820 over 60 months on $10,000
Effective Jun 1, 2026
Rate by balance
Rate by balance for Regular CDs Balance APY Any balance 3.30% $10,000 and upYour amount 3.40% Rate checked
More details - 3.35%APY$335 over 1 year on $10,000
Requirements
Product: Credit Union Membership is required for all accounts.
3.30% interest rate
Rate checked
More details - 3.35%APY$335 over 1 year on $10,000
Requirements
Product: Requires a minimum balance of $10,000 to open. Early withdrawal penalties apply (equal to 120-240 days' dividends on the amount withdrawn). Renewals are automatic with a 10-day grace period.
Offer: Minimum opening deposit and minimum balance to earn APY is $10,000.
3.30% interest rate · Effective Jun 29, 2026
Rate checked
More details - Michigan First Credit Union48 Month Certificate AccountCD · 48 months · $1,000 min · 0.95%–3.66% by balance
Credit union · 32 branches
3.35%APY$1,409 over 48 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.
0.95% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 48 Month Certificate Account Balance APY $1,000 – $9,999 0.95% $10,000 – $49,999Your amount 3.35% $50,000 – $99,999 3.45% $100,000 – $499,999 3.56% $500,000 and up 3.66% Rate checked
More details - Michigan First Credit Union6 Month Certificate AccountCD · 6 months · $1,000 min · 0.80%–3.56% by balance
Credit union · 32 branches
3.30%APY$164 over 6 months on $10,000Requirements
Product: Minimum opening deposit $1,000. Balance tiers required to earn stated APY.
Offer: Balance $1,000 to $9,999 required.
0.80% interest rate
Rate by balance
Rate by balance for 6 Month Certificate Account Balance APY $1,000 – $9,999 0.80% $10,000 – $49,999Your amount 3.30% $50,000 – $99,999 3.30% $100,000 – $499,999 3.40% $500,000 and up 3.56% Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.30%APY$219 over 8 months on $10,000
Requirements
Product: $500 minimum deposit to open ($1,000 for Special Rates). Subject to early withdrawal penalties. Interest may be compounded or transferred to another deposit account at G.W. Jones Exchange Bank. Interest must be paid or compounded at least annually on Time Deposits with a term greater than one year. Rate may change after account is opened.
Offer: 8 Month Special
3.30% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.30%APY$330 over 1 year on $10,000intro rate
Requirements
Product: Regular account. Rates effective as of 9/3/2026.
Offer: Term: 12 Mo. Regular account. Rates effective as of 9/3/2026.
3.25% interest rate · Effective Sep 3, 2026
Rate checked
More details - Electrical Workers Local 58 Credit UnionCertificate of DepositCD · 13 months · $10,000 min
Credit union · 1 branch
3.30%APY$358 over 13 months on $10,000Requirements
Product: Must purchase and maintain 1 share ($25.00 par value) as a condition of membership. Penalty for early withdrawal applies. Additional deposits and withdrawals not allowed before maturity. Automatically renews with a 10-day grace period.
Offer: Special CD offer. Fixed rate. Interest compounded monthly, credited monthly.
3.25% interest rate · Compounded monthly · Effective Jan 1, 2026
Rate checked
More details - Financial Plus Credit UnionStart 'N' Grow CertificateCD · 24 months · $500 min
Credit union · 12 branches
3.30%APY$671 over 24 months on $10,000Requirements
Product: Encourages disciplined savings through monthly auto transfers between $50 and $300 per month.
Offer: Monthly auto transfer of $50-$300 required. No manual transfers allowed.
3.26% interest rate · Effective Oct 1, 2026
Rate checked
More details - Michigan First Credit Union36 Month Certificate AccountCD · 36 months · $1,000 min · 0.90%–3.56% by balance
Credit union · 32 branches
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 - 3.30%APY$1,763 over 60 months on $10,000
Requirements
Product: Active membership, minimum deposit of $500, and completed Share Certificate application required. 90 day interest penalty for early withdrawal. Jumbo rates (24 Month and over $10,000 earns 0.05% above regular rate; 24 Month and over $25,000 earns 0.10% above regular rate) do not apply to non-member deposits.
Offer: Interest Paid: Quarterly. 90 day interest penalty for early withdrawal.
3.25% 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 Michigan
1,903 CDs at 203 banks and credit unions · checked Oct 16–23
- Typical
- 3.25%
- Top 10% from
- 4.10%
- Banks, typical
- 2.23%
- Credit unions, typical
- 3.35%
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Find your bank or credit union to see all its rates and how they compare near you.
Michigan
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Settlers Federal Credit UnionCredit union · 2 branches
- Meijer Credit UnionCredit union · 3 branches
- Dow Credit UnionCredit union · 2 branches