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 16–22 results in Battle Creek, MI metro
- 2.73%APY$1,442 over 60 months on $10,000
Requirements
Product: Minimum balance of $50, with a maximum insured deposit of $250,000. Dividends paid directly to certificate on a monthly basis. Subject to early withdrawal penalty. Additional deposits not allowed. Automatically renews with 10-day grace period.
Offer: Fixed rate. Early withdrawal penalty: 180 days dividends. Automatically renews with 10 day grace period. Additional deposits not allowed.
2.70% interest rate · Balance cap $250,000 · Effective Oct 1, 2026
Rate checked
More details - 2.17%APY$897 over 48 months on $10,000
Requirements
Product: No additional funds can be added after opening. Penalty may apply for early withdrawal. 7 calendar days to withdraw funds without penalty upon renewal date; automatically renews.
Offer: 4 YEAR CERTIFICATE. Dividends may be compounded every quarter unless paid otherwise.
Effective Oct 5, 2026
Rate checked
More details - 2.10%APY$643 over 36 months on $10,000
Requirements
Product: Early withdrawal penalty may apply. Rates may change after account is opened. Pairing with Ultra Checking account unlocks a 0.10% APY bonus rate.
Offer: Bonus rate of 0.10% APY when the Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00.
Balance cap $1,000,000 · Effective Oct 1, 2026
Rate checked
More details - 1.90%APY$384 over 24 months on $10,000
Requirements
Product: Add-on CD allowing unlimited deposits throughout the term. Dividends are compounded and paid monthly. Advantage Plus Rewards incentive may not be applied. Fees may reduce earnings. Requires membership in Advia Credit Union.
Offer: Unlimited deposits permitted during term.
1.88% interest rate · Effective Jun 16, 2026
Rate checked
More details - Marshall Community Credit UnionCertificate of DepositCD · 6 months · $1,000 min
Credit union · 2 branches
1.80%APY$90 over 6 months on $10,000Requirements
Product: No setup or maintenance fees. Early withdrawal penalty applies (terms under 6 months: 90 days' dividends; 12-24 months: 180 days' dividends; 30-60 months: 365 days' dividends). 6-month term does not compound and pays at maturity; 12-month and over pays monthly. Additional 0.15% APY for deposits of $50,000 or higher with terms of 24 months or longer. Minimum $5.00 regular share balance required for membership.
Offer: Premier Member Rewards tier. No compounding. Interest paid at maturity. Not available for IRA.
1.45% interest rate
Rate checked
More details - 1.70%APY$170 over 1 year on $10,000with conditions
Requirements
Product: Early withdrawal penalty may apply. Rates may change after account is opened. Pairing with Ultra Checking account unlocks a 0.10% APY bonus rate.
Offer: Bonus rate of 0.10% APY when the Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00.
Qualified rate · Balance cap $250,000 · Effective Oct 1, 2026
Rate checked
More details - Consumers Credit UnionCertificate of Deposit (CD)CD · 60 months · $1,000 min · 1.01%–1.10% by balance
Credit union · 2 branches
1.01%APY$515 over 60 months on $10,000Requirements
Product: $1,000 minimum deposit required. Withdrawals prior to maturity are subject to an early withdrawal penalty fee. Backed by NCUA Insurance.
Offer: $1,000 minimum deposit required. Withdrawals prior to maturity are subject to an early withdrawal penalty fee.
1.01% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Certificate of Deposit (CD) Balance APY $1,000 – $24,999Your amount 1.01% $25,000 and up 1.10% 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 Battle Creek, MI metro
194 CDs at 16 banks and credit unions · checked Oct 16–22
- Typical
- 2.00%
- Top 10% from
- 4.10%
- Banks, typical
- 2.38%
- Credit unions, typical
- 2.00%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Battle Creek, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- KCCUCredit union · 7 branches
- Flagstar BankBank · 1 branch