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 301–313 results in Michigan
- 1.00%APY$100 over 1 year on $10,000intro rate
Requirements
Product: New Money ONLY. Fees could reduce earnings.
Offer: Minimum Opening Deposit to earn 1.00% APY is $25.00; Maximum balance $250,000.00; New Money ONLY.
Promotional rate · Balance cap $250,000 · Effective Jan 1, 2026
Rate checked
More details - 1.00%APY$510 over 60 months on $10,000
Requirements
Product: Penalty for early withdrawal. Rates subject to change at discretion of the bank. Annual Percentage Yield (APY) is based on $10,000.00 and assumes interest compounded monthly will remain on deposit until maturity.
Offer: 60 Month term. Minimum deposit of $1,000.00 required.
1.00% interest rate · Compounded monthly · Effective Nov 14, 2025
Rate checked
More details - ELGA Credit UnionSave To WinCD · 12 months · $25 min · 0.10%–0.75% by balance
Credit union · 16 branches
0.75%APY$75 over 1 year on $10,000Requirements
Product: Members who opened their Save To Win accounts in the State of Florida, and/or who transact business primarily in branches located in the State of Florida are ineligible to win.
0.75% interest rate
Rate by balance
Rate by balance for Save To Win Balance APY Up to $25,000Your amount 0.75% $25,000 and up 0.10% 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 - 0.55%APY$278 over 60 months on $10,000
Requirements
Product: Rates apply for all balances. Minimum amount to open: $500. Term options: 91 days to 60 months. Interest compounded and paid monthly, quarterly, semiannually or annually.
Offer: Term is 60 months. Rate and APY apply for all balances.
0.55% interest rate · Effective Oct 22, 2024
Rate checked
More details - 0.50%APY$50 over 1 year on $10,000
Requirements
Product: Must be 18 years or older to participate. Rate is fixed for the term of the certificate. Compounded and credited quarterly. Early withdrawal penalty will be imposed for withdrawals before maturity. Earn one entry for every $25.00 deposit (up to 100 entries a month) to win monthly cash prizes ranging from $25.00 - $5,000.00.
Offer: 12 Month term; must be 18 years or older; interest compounded and credited quarterly
0.50% interest rate · Effective Oct 5, 2026
Rate checked
More details - 0.50%APY$50 over 1 year on $10,000
Requirements
Product: For every $25 deposited, account holder enters into drawings for monthly and quarterly cash prizes.
0.50% interest rate · Effective Dec 10, 2025
Rate checked
More details - 0.35%APY$105 over 36 months on $10,000
Requirements
Product: Minimum Balance Requirement - $250.00 up to age 18, $1,000.00 over the age of 18 A penalty may be imposed for early withdrawal on a Share Certificate.
Offer: Minimum balance requirement: $250.00 up to age 18, $1,000.00 over age 18. A penalty may be imposed for early withdrawal.
0.35% interest rate · Effective Oct 5, 2026
Rate checked
More details - St. Francis X Federal Credit Union9-Month No Penalty CDCD · 9 months · $500 min · 0.30%–0.40% by balance
Credit union · 4 branches
0.30%APY$22 over 9 months on $10,000Requirements
Product: No penalty for early withdrawal. Allows letting it ride, withdrawing interest monthly, or taking balance down to $0. Certain restrictions apply. Up to six transfers/withdrawals per statement cycle to another St. Francis X account or third party.
Offer: First Tier APY. All rates are current as of October 23, 2026.
Effective Oct 23, 2026
Rate by balance
Rate by balance for 9-Month No Penalty CD Balance APY Up to $25,000Your amount 0.30% $25,000 – $75,000 0.35% $75,000 and up 0.40% Rate checked
More details - Pittsburgh Federal Credit UnionCertificates of DepositCD · 12 months · $1,000 min
Credit union · 1 branch
0.25%APY$25 over 1 year on $10,0000.25% interest rate
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 - 0.05%APY$2 over 6 months on $10,000
0.05% interest rate · Effective Oct 16, 2026
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 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