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Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–8 of 8 results in Cadillac, MI metro
- 4.50%APY$223 over 6 months on $10,000
Requirements
Product: $5.00 Savings Account required. Penalty for early withdrawal. Jumbo CD ($100,000 plus) rate bumps not available on CD Specials.
Offer: Limited time offer begins 10/26/26. Jumbo CD ($100,000 plus) rate bumps not available on CD Specials. Corresponding 4.41% APR.
4.41% interest rate · Effective Nov 6, 2026
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More details - 3.95%APY$196 over 6 months on $10,000
Requirements
Product: Flexible maturities range from 1 month to 60 months. Automatic renewal standard. Interest calculated on daily balance. Subject to early withdrawal penalty.
3.89% interest rate · Effective Nov 2, 2026
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More details - 3.75%APY$186 over 6 months on $10,000
Requirements
Product: Accounts are available to Michigan residents. Limited to $250,000 per household. Penalty for early withdrawal.
Offer: Interest rate and APY are fixed for the term. Interest is paid at maturity. A penalty may be imposed for early withdrawal.
Balance cap $250,000 · Effective Oct 1, 2026
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More details - 3.56%APY$176 over 6 months on $10,000
- Wexford Community Credit UnionCertificate of Deposit (CD)CD · 6 months · $500 min
Credit union · 2 branches
3.00%APY$149 over 6 months on $10,000Requirements
Product: Membership required (established Regular Share Account). Dividend rate and APY will remain at the rate at which opened. Kept to maturity to gain full APY; early withdrawal penalties and fees may reduce earnings.
Effective Apr 17, 2026
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More details - 2.27%APY$113 over 6 months on $10,000
2 ways to earn 2.27%
Product: Quarterly compounding of interest. Early withdrawal penalty may apply. Options starting at $50 minimum deposit.
From $500: No conditions stated.
From $10,000: No conditions stated.
2.25% interest rate · Effective Aug 14, 2026
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More details - 1.00%APY$50 over 6 months on $10,000
Requirements
Product: $5.00 Savings Account required. Penalty for early withdrawal. Jumbo CD ($100,000 plus) rate bumps not available on CD Specials.
Effective Nov 6, 2026
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More details - 0.25%APYintro 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: Standard rate. Terms 1, 3, 6, 9, 12, 18, 24, 36, 48, 60, 72 months.
Promotional rate · 0.25% interest rate · Balance cap $99,999.99 · Effective Nov 6, 2026
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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 6-month CDs pay in Cadillac, MI metro
9 CDs at 7 banks and credit unions · checked Nov 6
- Typical
- 3.00%
- Top 10% from
- 4.06%
- Banks, typical
- 2.27%
- Credit unions, typical
- 3.28%
Is your bank paying you enough?
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Cadillac, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Forest Area Federal Credit UnionCredit union · 4 branches