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 1–10 results in Coldwater, MI metro
- 4.70%APY$591 over 15 months on $10,000intro rate
Requirements
Product: Promotional limited-time offer. Minimum deposit of $50 required. Fees may reduce earnings. Penalty may be imposed for early withdrawal. Dividends compounded and credited monthly. Additional deposits are permitted during the CD term. One rate bump permitted during the CD term.
Offer: Promotional special. Minimum deposit $50. Dividends compounded and credited monthly. Additional deposits permitted during term. One rate bump permitted during term. Penalty for early withdrawal may be imposed.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - 4.30%APY$430 over 1 year on $10,000intro rate
Requirements
Product: FDIC insured up to $250,000 per depositor. No monthly fees when held to maturity. Early withdrawal penalty applies. Maximum deposit is $10 million. Not available for public units.
Offer: Must present offer at account opening. Limited-time offer. Not available for public units or Business CDs. Certain restrictions, including area restrictions, may apply.
Promotional rate · Balance cap $10,000,000 · Effective Oct 16, 2026
Rate checked
More details - 4.26%APY$832 over 23 months on $10,000intro rate
Requirements
Product: Automatic renewal at maturity. Compound interest paid quarterly to CD account or transferred to another bank account. Early withdrawal penalty may apply.
Offer: 23-month special certificate of deposit. Certificates will automatically renew at the renewal rate for certificates having a term of 12 months. Rates are effective for a limited time.
Promotional rate · Effective Oct 9, 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 - 4.03%APY$267 over 8 months on $10,000
Requirements
Product: Minimum opening deposit is $50.00 unless otherwise noted. Youth under 18 receive an additional 0.25% APY to stated rates unless noted. Early withdrawal penalty may apply.
Offer: 8-month CD Special. Minimum opening balance of $1,000 required. Not applicable for Public Funds. Not eligible for Rate Protector rate bump. Renews at standard 9-month CD terms upon maturity. Early withdrawal penalty is 90 days of interest.
3.96% interest rate · Effective Oct 16, 2026
Rate checked
More details - Marshall Community Credit Union10-Month Certificate SpecialCD · 10 months · $1,000 min · 3.95%–4.25% by balance
Credit union · 1 branch
3.95%APY$328 over 10 months on $10,000intro rateRequirements
Product: No new money requirement. Jumbo rates and tiered CD retention options do not apply. Automatically renews to a 12-month term upon maturity. Early withdrawal penalties apply. Rate depends on Member Rewards tier and balance tier.
Offer: Premier Member Rewards tier.
Promotional rate · 3.88% interest rate · Effective Aug 21, 2026
Rate by balance
Rate by balance for 10-Month Certificate Special Balance APY $1,000 – $24,999Your amount 3.95% $25,000 – $49,999 4.05% $50,000 – $124,999 4.15% $125,000 and up 4.25% Rate checked
More details - 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 - Marshall Community Credit UnionCertificate of DepositCD · 6 months · $1,000 min
Credit union · 1 branch
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 - Consumers Credit UnionCertificate of Deposit (CD)CD · 60 months · $1,000 min · 1.01%–1.10% by balance
Credit union · 1 branch
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 Coldwater, MI metro
93 CDs at 8 banks and credit unions · checked Oct 16–22
- Typical
- 1.60%
- Top 10% from
- 4.09%
- Banks, typical
- 0.25%
- Credit unions, typical
- 1.70%
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Find your bank or credit union to see all its rates and how they compare near you.
Coldwater, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Flagstar BankBank · 1 branch