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 166–180 results in Michigan
- 3.70%APY$1,992 over 60 months on $10,000
Requirements
Product: CD terms available between 7 days - 60 months. Early withdrawal penalties may be imposed. Fees could reduce earnings. Subject to Northpointe Bank approval.
3.64% interest rate · Effective Oct 15, 2026
Rate checked
More details - 3.67%APY$367 over 1 year on $10,000
Requirements
Product: All Certificates of Deposit receive a 0.15% Renewal Bonus upon expiration (added to rate not APY). Rates are subject to change without notice.
Offer: 0.15% Renewal Bonus upon expiration (added to rate not APY)
Effective Oct 8, 2026
Rate checked
More details - 3.66%APY$1,969 over 60 months on $10,000
Requirements
Product: Fixed rates in effect for the term of the account. Dividends compounded and credited monthly. Dividends calculated using Average Daily Balance method. Early withdrawal penalty applies: 90 days' dividends for terms of 12 months or less; 180 days' dividends for terms of more than 12 months. Automatically renews upon maturity with a 10-day grace period. After account is started, additional deposits may not be made.
3.60% interest rate · Effective Apr 22, 2026
Rate checked
More details - Safe Harbor Credit UnionHigh-Yield Time Deposit AccountsCD · 6 months · $1,000 min
Credit union · 1 branch
3.65%APY$181 over 6 months on $10,000Requirements
Product: Early withdrawals subject to penalty. No setup or maintenance fees.
Effective Sep 8, 2026
Rate checked
More details - 3.65%APY$181 over 6 months on $10,000
Requirements
Product: Penalty for early withdrawals. Dividends are computed daily and paid quarterly using the average daily balance for the dividend period.
Offer: Penalty for early withdrawals. Dividends paid quarterly using the average daily balance.
Effective Oct 5, 2026
Rate checked
More details - 3.65%APY$743 over 24 months on $10,000
Requirements
Product: Early withdrawal penalty may be imposed prior to maturity date. Fees can reduce earnings.
Offer: 24 Month term. Compounding.
3.59% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.65%APY$743 over 24 months on $10,000
Requirements
Product: Early withdrawal penalty may be imposed prior to maturity date. Fees can reduce earnings. Noncompounding term share accounts with a term greater than one year require mandatory dividend payouts at least annually and do not remain in the term share account.
Offer: 24 Month term. Non Compounding. Noncompounding term share accounts with a term greater than one year require mandatory dividend payouts at least annually and do not remain in the term share account.
3.65% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.65%APY$743 over 24 months on $10,000
Requirements
Product: Earn a fixed rate of interest over the entire period of the investment. Starting minimum deposit is $500. Eligible for Member Saver Reward. APY assumes interest payouts remain in account until maturity. Early withdrawal penalty may apply.
3.59% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.65%APY$1,542 over 48 months on $10,000
Requirements
Product: If rates increase, CD owners have the option to bump the rate one time during the term. Starting minimum deposit is $500. Eligible for Member Saver Reward. APY assumes interest payouts remain in certificate account until maturity. Early withdrawal penalty may apply. Not available for CD Secured Loans.
3.59% interest rate · Effective Oct 1, 2026
Rate checked
More details - Dort Financial Credit UnionAMP Certificate of DepositCD · 49–60 months · $100 min
Credit union · 13 branches
3.65%APYRequirements
Offer: Term: 49 months to 60 months.
Rate checked
More details - Security Credit UnionShare Certificates of DepositCD · 60 months · $1,000 min
Credit union · 14 branches
3.65%APY$1,963 over 60 months on $10,000Requirements
Product: Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Rates are effective as of October 1, 2026. Rates are subject to change without notice; printed matter such as our newsletter Security Matters takes priority over Internet rates. Call Security Credit Union for current rates. Penalty will be imposed for early withdrawal (90 days interest for terms of 12 months or less, 180 days interest for terms greater than 1 year). Fees may reduce earnings on the account.
Effective Oct 1, 2026
Rate checked
More details - 3.65%APY$1,963 over 60 months on $10,000
Requirements
Product: Membership required ($5 minimum deposit). Fixed rate. Dividends compounded and credited monthly; daily balance method. Penalty may apply for early withdrawal. Automatically renewable with a 10-day grace period.
Offer: Early withdrawal penalty: 180-day dividend penalty for terms > 365 days.
3.59% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.65%APY$1,963 over 60 months on $10,000
Requirements
Product: No setup or maintenance fees. Early withdrawals subject to penalty. Automatically renews at maturity with a 7-day grace period. Maximum deposit at listed rates is $500,000.
3.59% interest rate · Balance cap $500,000 · Effective Sep 9, 2026
Rate checked
More details - Consumers Professional Credit UnionCertificates of DepositCD · 6 months · $1,000 min · 3.65%–3.75% by balance
Credit union · 3 branches
3.65%APY$181 over 6 months on $10,000Requirements
Product: Dividends are compounded quarterly and paid quarterly. A penalty may be imposed for early withdrawals. Fees may reduce earnings on accounts.
Offer: Dividends compounded quarterly and paid quarterly. Early withdrawal penalty may apply.
3.60% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $49,999Your amount 3.65% $50,000 and up 3.75% Rate checked
More details - 3.61%APY$330 over 11 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: 11 Month Special
3.55% interest rate · Effective Feb 11, 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%
Is your bank paying you enough?
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