Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 of 29 results in Michigan
- Alpena Alcona Area Credit Union10-Month CD SpecialCD · 10 months · $500 min
Credit union · 13 branches
4.75%APY$394 over 10 months on $10,000Requirements
Product: Rate is fixed for the term of the certificate. Interest period compounded and credited quarterly. Early withdrawal penalty will be imposed for withdrawals before maturity.
Offer: 10 Month term; interest compounded and credited quarterly; fixed rate; early withdrawal penalty applies
4.67% interest rate · Effective Nov 6, 2026
Rate checked
More details - Advantage One Credit UnionBetter Together 10-Month Certificate of DepositCD · 10 months · $1,000 min
Credit union · 2 branches
4.35%APY$361 over 10 months on $10,000with conditionsRequirements
Product: Limited-time offer available from November 1-30, 2026. Minimum opening deposit $1,000. Federally insured by NCUA. Early withdrawal penalties may apply. Membership eligibility required.
Offer: Relationship promotional rate: Requires having or opening an Advantage Checking account for an additional 0.25% APY bonus. Available November 1-30, 2026. Early withdrawal penalties may apply.
Qualified rate
Rate checked
More details - 4.25%APY$353 over 10 months on $10,000
Requirements
Product: Must be at least 18 years old, a U.S. citizen or lawful permanent resident with a U.S. physical address and U.S.-based mobile phone number. No minimum deposit required to open or maintain account, but account balance may not exceed $1,000,000. No monthly cycle service charge. Early withdrawal penalty applies (3 months interest for terms 12 months or less; 6 months interest for terms over 12 months).
Offer: For terms 12 months or less, early withdrawal penalty is 3 months of interest.
4.17% interest rate · Balance cap $1,000,000 · Effective Nov 7, 2026
Rate checked
More details - Advantage One Credit UnionBetter Together 10-Month Certificate of DepositCD · 10 months · $1,000 min
Credit union · 2 branches
4.10%APY$341 over 10 months on $10,000with conditionsRequirements
Product: Limited-time offer available from November 1-30, 2026. Minimum opening deposit $1,000. Federally insured by NCUA. Early withdrawal penalties may apply. Membership eligibility required.
Offer: Standard promotional rate. Available November 1-30, 2026. Early withdrawal penalties may apply.
Qualified rate
Rate checked
More details - Community West Credit UnionCertificate of DepositCD · 6–11 months · $500 min
Credit union · 5 branches
4.00%APYRequirements
Product: Penalty may be imposed for early withdrawal. Add-on CDs available.
Offer: Penalty may be imposed for early withdrawal.
3.94% interest rate · Effective Oct 30, 2026
Rate checked
More details - 4.00%APY$332 over 10 months on $10,000intro rate
Promotional rate · 3.93% interest rate
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More details - Marshall Community Credit Union10-Month Certificate SpecialCD · 10 months · $1,000 min · 3.95%–4.25% by balance
Credit union · 3 branches
3.95%APY$328 over 10 months on $10,000intro rateRequirements
Product: No new money requirement. Jumbo rates and tiered CD retention options do not apply. Automatically renews to a 12-month term upon maturity. Early withdrawal penalties apply. Rate depends on Member Rewards tier and balance tier.
Offer: Premier Member Rewards tier.
Promotional rate · 3.88% interest rate · Effective Aug 21, 2026
Rate by balance
Rate by balance for 10-Month Certificate Special Balance APY $1,000 – $24,999Your amount 3.95% $25,000 – $49,999 4.05% $50,000 – $124,999 4.15% $125,000 and up 4.25% Rate checked
More details - Marshall Community Credit Union10-Month Certificate SpecialCD · 10 months · $1,000 min · 3.85%–4.15% by balance
Credit union · 3 branches
3.85%APY$320 over 10 months on $10,000intro rateRequirements
Product: No new money requirement. Jumbo rates and tiered CD retention options do not apply. Automatically renews to a 12-month term upon maturity. Early withdrawal penalties apply. Rate depends on Member Rewards tier and balance tier.
Offer: Advantage Member Rewards tier.
Promotional rate · 3.78% interest rate · Effective Aug 21, 2026
Rate by balance
Rate by balance for 10-Month Certificate Special Balance APY $1,000 – $24,999Your amount 3.85% $25,000 – $49,999 3.95% $50,000 – $124,999 4.05% $125,000 and up 4.15% Rate checked
More details - 3.80%APY
Requirements
Product: Membership required. $500 minimum deposit. Early withdrawal penalty may apply. Automatically renews at current non-promotional rate upon maturity.
3.74% interest rate · Effective Oct 15, 2026
Rate checked
More details - Credit Human Federal Credit UnionShare CertificatesCD · 6–11 months · $500 min
Credit union · Opens accounts online nationwide
3.80%APYRequirements
Product: Flexible terms from 3 months to 10 years with $500 minimum deposit. Dividends paid monthly. Automatic renewal at maturity. A penalty will be imposed for early withdrawal. Actual certificate dividend rate and APY are based on the rate in effect on date of deposit. APY assumes dividends remain on deposit until maturity; dividend withdrawal reduces earnings. Membership eligibility required.
3.74% interest rate · Effective Oct 30, 2026
Rate checked
More details - Marshall Community Credit Union10-Month Certificate SpecialCD · 10 months · $1,000 min · 3.75%–4.05% by balance
Credit union · 3 branches
3.75%APY$312 over 10 months on $10,000intro rateRequirements
Product: No new money requirement. Jumbo rates and tiered CD retention options do not apply. Automatically renews to a 12-month term upon maturity. Early withdrawal penalties apply. Rate depends on Member Rewards tier and balance tier.
Offer: Loyal Member Rewards tier.
Promotional rate · 3.69% interest rate · Effective Aug 21, 2026
Rate by balance
Rate by balance for 10-Month Certificate Special Balance APY $1,000 – $24,999Your amount 3.75% $25,000 – $49,999 3.85% $50,000 – $124,999 3.95% $125,000 and up 4.05% Rate checked
More details - 3.65%APY
Requirements
Product: Fixed rate for the term of the certificate. Early withdrawal penalty may apply.
Effective Oct 1, 2026
Rate checked
More details - Forbright BankBranch Certificates of DepositCD · 10–11 months · $1,000 min
Bank · Opens accounts online nationwide
3.64%APYRequirements
Product: Available at branch locations. Interest calculated daily and credited quarterly. Early withdrawal penalties apply. Paper statements provided at no charge.
3.58% interest rate · Effective Oct 29, 2026
Rate checked
More details - Alliant Credit UnionCertificateCD · 6–11 months · $1,000 min
Credit union · Opens accounts online nationwide
3.60%APYRequirements
Product: Must be an Alliant Credit Union member. Dividends compound monthly and are paid on the last day of the month and at maturity. Early withdrawal penalty applies to principal withdrawals. No additional deposits allowed after opening. A Jumbo Certificate with balance falling below $75,000 converts to a Regular Certificate.
3.54% interest rate
Rate checked
More details - Marshall Community Credit Union10-Month Certificate SpecialCD · 10 months · $1,000 min · 3.60%–3.90% by balance
Credit union · 3 branches
3.60%APY$299 over 10 months on $10,000intro rateRequirements
Product: No new money requirement. Jumbo rates and tiered CD retention options do not apply. Automatically renews to a 12-month term upon maturity. Early withdrawal penalties apply. Rate depends on Member Rewards tier and balance tier.
Offer: Valued Member Rewards tier.
Promotional rate · 3.54% interest rate · Effective Aug 21, 2026
Rate by balance
Rate by balance for 10-Month Certificate Special Balance APY $1,000 – $24,999Your amount 3.60% $25,000 – $49,999 3.70% $50,000 – $124,999 3.80% $125,000 and up 3.90% 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 10-month CDs pay in Michigan
30 CDs at 22 banks and credit unions · checked Oct 16–Nov 7
- Typical
- 3.55%
- Top 10% from
- 4.12%
- Banks, typical
- 2.95%
- Credit unions, typical
- 3.75%
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Michigan
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Settlers Federal Credit UnionCredit union · 2 branches
- Great Lakes First Federal Credit UnionCredit union · 2 branches
- Dow Credit UnionCredit union · 2 branches