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 46–60 results in Michigan
- OMNI Community Credit UnionCertificates of Deposit (CD)CD · 9 months · $1,000 min
Credit union · 11 branches
4.25%APY$317 over 9 months on $10,000intro rateRequirements
Product: Automatic renewal at maturity.
Offer: CD Special; subject to change.
Promotional rate · Effective Oct 5, 2026
Rate checked
More details - Community West Credit UnionCertificate of DepositCD · 12–17 months · $500 min
Credit union · 5 branches
4.25%APYRequirements
Product: Penalty may be imposed for early withdrawal. Add-on CDs available.
Offer: Penalty may be imposed for early withdrawal.
4.18% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.25%APY$425 over 1 year on $10,000with conditions
Requirements
Product: Minimum $500 balance to earn dividend. Penalty for early withdrawal. Members can add money to any CD at any time, except restricted on some CD specials.
Offer: 0.25% APY bonus for Members with the Extra Mile Checking or Express Debit account and $600 or more in direct deposit.
Qualified rate · Effective Sep 25, 2026
Rate checked
More details - 4.25%APY$425 over 1 year on $10,000
Requirements
Product: Minimum $500 balance to earn dividend does not apply. Keep making deposits during the 12 months; each $25 is an entry into prize drawings (up to 100 entries/month). Penalty for early withdrawal.
Offer: 0.25% APY bonus for Members with the Extra Mile Checking or Express Debit account and $600 or more in direct deposit.
Effective Sep 25, 2026
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 119 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 - 4.25%APY$461 over 13 months on $10,000
Requirements
Product: Membership eligibility requirements apply. Penalty for early withdrawal.
Offer: Penalty for early withdrawal.
4.17% interest rate · Effective Oct 1, 2026
Rate checked
More details - North Central Area Credit UnionCertificate of DepositCD · 13 months · $500 min · 4.25%–4.35% by balance
Credit union · 7 branches
4.25%APY$461 over 13 months on $10,000Effective Oct 15, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 and upYour amount 4.25% $50,000 – $250,000 4.35% Rate checked
More details - Members First Credit UnionCertificates of DepositCD · 15 months · $500 min
Credit union · 11 branches
4.25%APY$534 over 15 months on $10,000Requirements
Product: For members under the age of 18 the required minimum balance on all CDs is $100.00. 0.10% APY bonus earned if you also have a M1 Premier Checking Account. A penalty may be assessed for early withdrawals. Fees and withdrawals of funds from this account prior to maturity will reduce earning.
Offer: Minimum opening deposit $500. Required minimum balance is $100 for members under 18. 0.10% APY bonus earned if you also have a M1 Premier Checking Account. Penalty for early withdrawal.
4.17% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.25%APY$793 over 22 months on $10,000
Requirements
Product: Minimum certificate deposit of $1,000 required. Penalty for early withdrawal will apply. Automatically renews at maturity for the same term at current prevailing rate unless otherwise noted. Membership open to anyone who lives, works, worships, or attends school in Michigan, or immediate family/household.
Offer: Dividends paid monthly; 180 days early withdrawal penalty. Rolls into 18-month CD at maturity.
4.17% interest rate · Effective Oct 5, 2026
Rate checked
More details - 4.25%APY$868 over 24 months on $10,000
Requirements
Product: Earn higher dividends than regular share savings. Terms available from 6 to 60 months. Automatic renewal at maturity. Early withdrawal penalties apply. $500 minimum deposit to open.
Offer: Annual Percentage Yield for all CDs and IRA CDs includes a .25% bonus for Meijer Team members, Meijer retirees and current MCU members. Early withdraw penalties may apply, and may reduce earning.
4.18% interest rate · Effective Oct 7, 2026
Rate checked
More details - Notre Dame Federal Credit UnionStandard CertificateCD · 24–35 months · $0 min
Credit union · 1 branch
4.25%APYRequirements
Product: Fixed rate for the term of the certificate. Early withdrawal penalty may apply.
Effective Oct 1, 2026
Rate checked
More details - 4.25%APY$3,382 over 84 months on $10,000
Requirements
Product: Membership required. $500 minimum deposit. Early withdrawal penalty may apply. Automatically renews at current non-promotional rate upon maturity.
4.17% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.20%APY$564 over 16 months on $10,000
Requirements
Product: Fixed rate for term. Minimum deposit $500. Penalty for early withdrawal. Dividends compounded and credited daily/monthly.
Offer: Minimum investment $500.
4.11% interest rate · Effective Oct 5, 2026
Rate checked
More details - Michigan First Credit Union16 Month Certificate AccountCD · 16 months · $1,000 min
Credit union · 32 branches
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
Rate checked
More details - 4.18%APY$1,307 over 36 months on $10,000
Requirements
Product: Automatic renewal at maturity. Penalty for early withdrawal.
Offer: Penalty for early withdrawal.
4.10% interest rate · Effective Oct 1, 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
1,917 CDs at 205 banks and credit unions · checked Oct 16–22
- Typical
- 3.25%
- Top 10% from
- 4.08%
- 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
- Chief Financial Credit UnionCredit union · 4 branches
- Meijer Credit UnionCredit union · 3 branches