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 31–37 results in Bay City, MI metro
- 3.00%APY$300 over 1 year on $10,000
Requirements
Product: Can add funds at anytime. Cannot withdraw until 12 months after date of opening. Withdrawal Charges: if the CD balance is under $25,000, fee for one-time withdrawal is $50; if $25,000 or higher, fee is $100.
Offer: Effective Date: October 15, 2026
2.97% interest rate · Effective Oct 15, 2026
Rate checked
More details - 2.80%APY$69 over 3 months on $10,000
Requirements
Product: Length of term: 3 months through 60 months. Minimum amounts: $500.00. Early withdrawal penalty applies. Must compound to earn stated APY.
Offer: Effective Date: October 15, 2026
2.76% interest rate · Balance cap $99,999 · Effective Oct 15, 2026
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More details - 2.68%APY$268 over 1 year on $10,000
Requirements
Product: Interest is compounded monthly and paid to the account monthly. Minimum balance to earn interest is $0.01. Early withdrawal penalty applies (three months interest for terms of one year or less). Automatically renews at maturity with a 10 calendar day grace period. Rates apply to personal CDs.
2.65% interest rate · Compounded monthly · Effective Oct 14, 2026
Rate checked
More details - 2.43%APY$121 over 6 months on $10,000
Requirements
Product: Interest is compounded monthly and paid to the account monthly. Minimum balance to earn interest is $0.01. Early withdrawal penalty applies (three months interest for terms of one year or less). Automatically renews at maturity with a 10 calendar day grace period. Rates apply to personal CDs.
2.40% interest rate · Compounded monthly · Effective Oct 14, 2026
Rate checked
More details - 2.40%APY$240 over 1 year on $10,000
Requirements
Product: 12 month certificate of deposit with prize entries: every $25 saved earns another chance to win, up to 10 chances every month. Limit 1 per member. Penalty for early withdrawal.
Offer: Opening minimum $25. Minimum balance to earn APY is $500. Limit 1 per member.
2.37% interest rate · Effective Oct 5, 2026
Rate checked
More details - United Bay Community Credit UnionTerm Savings CertificateCD · 60 months · $500 min
Credit union · 3 branches
1.01%APY$515 over 60 months on $10,000Requirements
Product: All certificates have the following terms unless noted otherwise: minimum deposit of $500.00 is required (with the exception of the Youth Certificate which is a $25 minimum); a penalty will be imposed for early withdrawal; Interest is compounded daily and paid monthly. Rate is fixed for term of certificate but may adjust at maturity. Rates are subject to change without notice.
1.00% interest rate · Compounded daily · Effective Oct 15, 2026
Rate checked
More details - ELGA Credit UnionSave To WinCD · 12 months · $25 min · 0.10%–0.75% by balance
Credit union · 2 branches
0.75%APY$75 over 1 year on $10,000Requirements
Product: Members who opened their Save To Win accounts in the State of Florida, and/or who transact business primarily in branches located in the State of Florida are ineligible to win.
0.75% interest rate
Rate by balance
Rate by balance for Save To Win Balance APY Up to $25,000Your amount 0.75% $25,000 and up 0.10% 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 Bay City, MI metro
168 CDs at 16 banks and credit unions · checked Oct 16–22
- Typical
- 2.95%
- Top 10% from
- 3.79%
- Banks, typical
- 1.54%
- Credit unions, typical
- 3.20%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Bay City, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- United Financial Credit UnionCredit union · 3 branches
- Lake Huron Credit UnionCredit union · 1 branch
- Sunrise Family Credit UnionCredit union · 2 branches