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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.

Term
Location
Banks only

Top CD rates

Showing 1–15 of 52 results in Michigan

  1. Nicolet National BankCertificate of DepositCD · 60 months · $2,500 min

    Bank · 15 branches

    4.60%APY$2,522 over 60 months on $10,000with conditions
  2. Top Carrot, Carrot Score 94
    CIBC Bank USACIBC Agility Certificate of Deposit (CD)CD · 12 months · $1,000 min

    Bank · 1 branch

    4.50%APY$450 over 1 year on $10,000
  3. Huntington BankFixed Rate Certificate of DepositCD · 11 months · $1,000 min

    Bank · 287 branches

    4.30%APY$393 over 11 months on $10,000intro rate
  4. Flagstar BankCertificates of Deposit (CD)CD · 12 months · $500 min

    Bank · 101 branches

    4.30%APY$430 over 1 year on $10,000intro rate
  5. Superior National BankCertificate of Deposit (CD)CD · 48 months · $500 min

    Bank · 10 branches

    4.30%APY$1,834 over 48 months on $10,000
  6. Sturgis Bank & TrustCertificate of DepositCD · 23 months · $5,000 min

    Bank · 17 branches

    4.26%APY$832 over 23 months on $10,000intro rate
  7. Honor BankCertificates of DepositCD · 11 months · $1,000 min

    Bank · 8 branches

    4.25%APY$389 over 11 months on $10,000
  8. West Shore BankCD SpecialsCD · 12 months · $500 min

    Bank · 9 branches

    4.25%APY$425 over 1 year on $10,000
  9. 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 rate
  10. United Bank of MichiganCertificates of DepositCD · 13 months · $500 min

    Bank · 13 branches

    4.20%APY$456 over 13 months on $10,000intro rate
  11. Top Carrot, Carrot Score 94
    CIBC Bank USACertificates of Deposit AccountCD · 13 months · $1,000 min

    Bank · 1 branch

    4.20%APY$456 over 13 months on $10,000intro rate
  12. Union BankCertificates of DepositCD · 13 months · $500 min

    Bank · 7 branches

    4.16%APY$451 over 13 months on $10,000intro rate
  13. Range BankCertificate of DepositCD · 15 months · $1,000 min

    Bank · 8 branches

    4.15%APY$521 over 15 months on $10,000intro rate
  14. WesBancoCertificates of Deposit (CDs)CD · 14 months · $1,000 min · 3.35%–4.10% by balance

    Bank · 5 branches

    4.10%APY$480 over 14 months on $10,000with conditions
  15. Independent Bank13-Month CD SpecialCD · 13 months · $1,000 min

    Bank · 58 branches

    4.07%APY$442 over 13 months on $10,000with conditions

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

373 CDs at 38 banks and credit unions · checked Oct 16–Nov 7

Typical
2.27%
Top 10% from
4.04%
Banks, typical
2.27%

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Michigan

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Settlers Federal Credit UnionCredit union · 2 branches
  2. Great Lakes First Federal Credit UnionCredit union · 2 branches
  3. Dow Credit UnionCredit union · 2 branches
See all ranked institutions

CD rates by state

Best CD Rates of November 2026 | Carrot Rate