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 1–13 results in Alpena, MI metro
- 4.75%APY$2,612 over 60 months on $10,000
Requirements
Product: Interest is compounded and credited quarterly using the daily balance method. Penalty for early withdrawal: 6 months interest if maturity is 24 months or less; 12 months interest if maturity is more than 24 months.
Offer: Relationship rate requires Direct Deposit Checking.
4.67% interest rate · Effective Sep 23, 2026
Rate checked
More details - 4.45%APY$332 over 9 months on $10,000
Effective Oct 5, 2026
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 1 branch
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 - 4.10%APY$169 over 5 months on $10,000intro rate
Requirements
Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.
Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.
Promotional rate · 4.02% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.07%APY$201 over 6 months on $10,000
Requirements
Product: Account eligibility requirements apply. Minimum balance must be maintained to earn stated APY. Penalty may be imposed for early withdrawal.
Effective Oct 5, 2026
Rate checked
More details - Alpena Alcona Area Credit UnionRegular CertificatesCD · 12 months · $500 min
Credit union · 4 branches
4.06%APY$406 over 1 year on $10,000Requirements
Product: Rate is fixed for the term of the certificate. Compounded and credited quarterly. Early withdrawal penalty will be imposed for withdrawals before maturity.
Offer: 12 Month term; interest compounded and credited quarterly
4.00% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.96%APY$808 over 24 months on $10,000
Requirements
Product: Rate may change after the account is opened. 1yr - Rate may be increased once during the term. 2yr - Rate may be increased twice during the term. Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal.
Offer: Allows you to increase the annual percentage yield two times during the maturity period.
3.90% interest rate · Compounded quarterly · Effective Oct 5, 2026
Rate checked
More details - Northland Area FCUNon-Compounding CertificatesCD · 24 months · $500 min · 3.90%–3.95% by balance
Credit union · 1 branch
3.90%APY$795 over 24 months on $10,000Requirements
Product: These certificates do not compound. Penalty may be imposed for early withdrawal.
3.90% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Non-Compounding Certificates Balance APY $500 and upYour amount 3.90% $50,000 and up2 Year-Jumbo non-compounding certificate. 3.95% Rate checked
More details - 3.85%APY$583 over 18 months on $10,000
Requirements
Product: Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal.
3.80% interest rate · Compounded quarterly · Effective Oct 5, 2026
Rate checked
More details - 3.80%APY$774 over 24 months on $10,000
Requirements
Product: Penalty may be imposed for early withdrawal. Must maintain minimum balance to earn stated APY.
Offer: Penalty may be imposed for early withdrawal. Must maintain minimum balance stated to earn APY.
Effective Oct 5, 2026
Rate checked
More details - 2.90%APY$741 over 30 months on $10,000with conditions
Requirements
Product: Offers an option to increase the rate one time during the term based on current rates; additional funds may be added up to initial deposit amount in $1,000 increments at time of increase. Interest compounded and credited quarterly using daily balance method. Penalty for early withdrawal: 12 months interest if maturity is more than 24 months.
Offer: Relationship rate requires Direct Deposit Checking.
Qualified rate · 2.87% interest rate · Effective Sep 23, 2026
Rate checked
More details - 2.78%APY$1,469 over 60 months on $10,000
Requirements
Product: Any fees incurred may reduce earnings on the account. An early withdrawal penalty will be imposed for withdrawals before maturity. Rate is fixed for the term of the certificate.
Offer: Any fees incurred may reduce earnings on the account. An early withdrawal penalty will be imposed for withdrawals before maturity. Rate is fixed for the term of the certificate.
2.75% interest rate · Effective Oct 15, 2026
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
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 Alpena, MI metro
103 CDs at 8 banks and credit unions · checked Oct 16–22
- Typical
- 3.09%
- Top 10% from
- 4.10%
- Banks, typical
- 2.68%
- Credit unions, typical
- 3.30%
Is your bank paying you enough?
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Alpena, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- HPC Credit UnionCredit union · 2 branches
- Alpena Alcona Area Credit UnionCredit union · 4 branches
- Wolverine State Credit UnionCredit union · 2 branches