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 76–90 results in Detroit, MI metro
- Michigan First Credit Union60 Month Certificate AccountCD · 60 months · $1,000 min · 1.00%–3.71% by balance
Credit union · 21 branches
3.56%APY$1,911 over 60 months on $10,000Requirements
Product: Minimum balance to open an account and earn advertised APY is $1,000. Early withdrawal penalty applies. Fees may reduce earnings.
Offer: Balance $1,000 to $9,999 required.
1.00% interest rate
Rate by balance
Rate by balance for 60 Month Certificate Account Balance APY $1,000 – $9,999 1.00% $10,000 – $49,999Your amount 3.56% $50,000 – $99,999 3.61% $100,000 – $499,999 3.66% $500,000 and up 3.71% Rate checked
More details - 3.55%APY$355 over 1 year on $10,000
Requirements
Product: Requirements: Must be 18 years or older, Savings Account. Additional deposits can be made throughout the term. Every qualifying deposit of at least $25 into STW is an entry into monthly and quarterly prize drawings. No monthly fees.
Offer: Dividends paid Annually (rates table) / quarterly (features text).
3.50% interest rate · Effective Sep 17, 2026
Rate checked
More details - 3.54%APY$1,900 over 60 months on $10,000
Requirements
Product: Minimum balance: $500. Dividends calculated daily, paid quarterly. Available terms: 3 to 60 months. Monthly/Quarterly Low Balance Fees are Assessed on Accounts if the Actual Balance Falls Below $100 During the Period. Applicable Fees Assessed Against an Account May Reduce Earnings.
3.50% interest rate · Balance cap $49,999.99
Rate checked
More details - Michigan First Credit Union12 Month Certificate AccountCD · 12 months · $1,000 min · 0.90%–3.71% by balance
Credit union · 21 branches
3.51%APY$351 over 1 year on $10,000Requirements
Product: Minimum balance to open an account and earn advertised APY is $1,000. Early withdrawal penalty applies. Fees may reduce earnings.
Offer: Balance $1,000 to $9,999 required.
0.90% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 12 Month Certificate Account Balance APY $1,000 – $9,999 0.90% $10,000 – $49,999Your amount 3.51% $50,000 – $99,999 3.51% $100,000 – $499,999 3.61% $500,000 and up 3.71% Rate checked
More details - 3.50%APY$261 over 9 months on $10,000intro rate
Requirements
Product: FDIC-Insured. At maturity, 9-month auto-renews as 12-month, 18-month auto-renews as 18-month, 27-month auto-renews as 24-month, 36-month auto-renews as 36-month. Subject to early withdrawal penalty. Fees may reduce earnings. Limited time offer.
Offer: At maturity, the 9 month CD will automatically renew as a 12 month CD. Subject to early withdrawal penalty.
Promotional rate · 3.45% interest rate · Effective Apr 1, 2026
Rate checked
More details - Christian Financial Credit UnionSuper Saver CertificateCD · 12 months · $500 min
Credit union · 12 branches
3.50%APY$350 over 1 year on $10,000Requirements
Product: Additional Super Saver deposits of at least $50 permitted, not to exceed $100,000 in aggregate per Certificate. Maximum number of Super Saver Certificates is limited to TWO per Social Security number. Dividends are compounded and credited monthly.
Offer: Additional deposits of at least $50 along the way, not to exceed $100,000 in aggregate per Certificate. Maximum two certificates per SSN. Dividends compounded and credited monthly.
3.45% interest rate · Effective Oct 16, 2026
Rate checked
More details - Public Service Credit UnionRelationship CDCD · 18 months · $500 min · up to $10,000
Credit union · 11 branches
3.50%APY$530 over 18 months on $10,000with conditionsRequirements
Product: Requirements: Direct Advantage Savings or Direct Advantage Plus Savings, Direct Deposit of at least $800 or $5000 loan balance. No Monthly Fees.
Offer: Dividends paid Annually (rates table) / quarterly (features text). Direct Deposit of at least $800 or $5000 loan balance required.
Qualified rate · 3.50% interest rate · Effective Sep 17, 2026
Rate checked
More details - 3.50%APY$682 over 23 months on $10,000
Requirements
Offer: Dividends paid Annually.
3.50% interest rate · Balance cap $1,000,000 · Effective Sep 17, 2026
Rate checked
More details - 3.50%APY$712 over 24 months on $10,000
Requirements
Product: For deposits of $1,000 to $99,999. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: A penalty may be imposed for early withdrawal. Fees may reduce earnings.
3.46% interest rate · Balance cap $99,999 · Effective Oct 12, 2026
Rate checked
More details - Michigan First Credit Union24 Month Certificate AccountCD · 24 months · $1,000 min · 1.26%–3.82% by balance
Credit union · 21 branches
3.40%APY$692 over 24 months on $10,000Requirements
Product: Minimum balance to open an account and earn advertised APY is $1,000. Early withdrawal penalty applies. Fees may reduce earnings.
Offer: Balance $1,000 to $9,999 required.
1.25% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 24 Month Certificate Account Balance APY $1,000 – $9,999 1.26% $10,000 – $49,999Your amount 3.40% $50,000 – $99,999 3.40% $100,000 – $499,999 3.61% $500,000 and up 3.82% Rate checked
More details - Michigan First Credit Union48 Month Certificate AccountCD · 48 months · $1,000 min · 0.95%–3.66% by balance
Credit union · 21 branches
3.35%APY$1,409 over 48 months on $10,000Requirements
Product: Minimum balance to open an account and earn advertised APY is $1,000. Early withdrawal penalty applies. Fees may reduce earnings.
Offer: Balance $1,000 to $9,999 required.
0.95% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 48 Month Certificate Account Balance APY $1,000 – $9,999 0.95% $10,000 – $49,999Your amount 3.35% $50,000 – $99,999 3.45% $100,000 – $499,999 3.56% $500,000 and up 3.66% Rate checked
More details - Michigan First Credit Union6 Month Certificate AccountCD · 6 months · $1,000 min · 0.80%–3.56% by balance
Credit union · 21 branches
3.30%APY$164 over 6 months on $10,000Requirements
Product: Minimum opening deposit $1,000. Balance tiers required to earn stated APY.
Offer: Balance $1,000 to $9,999 required.
0.80% interest rate
Rate by balance
Rate by balance for 6 Month Certificate Account Balance APY $1,000 – $9,999 0.80% $10,000 – $49,999Your amount 3.30% $50,000 – $99,999 3.30% $100,000 – $499,999 3.40% $500,000 and up 3.56% Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - Electrical Workers Local 58 Credit UnionCertificate of DepositCD · 13 months · $10,000 min
Credit union · 1 branch
3.30%APY$358 over 13 months on $10,000Requirements
Product: Must purchase and maintain 1 share ($25.00 par value) as a condition of membership. Penalty for early withdrawal applies. Additional deposits and withdrawals not allowed before maturity. Automatically renews with a 10-day grace period.
Offer: Special CD offer. Fixed rate. Interest compounded monthly, credited monthly.
3.25% interest rate · Compounded monthly · Effective Jan 1, 2026
Rate checked
More details - Michigan First Credit Union36 Month Certificate AccountCD · 36 months · $1,000 min · 0.90%–3.56% by balance
Credit union · 21 branches
3.30%APY$1,023 over 36 months on $10,000Requirements
Product: Minimum balance to open an account and earn advertised APY is $1,000. Early withdrawal penalty applies. Fees may reduce earnings.
Offer: Balance $1,000 to $9,999 required.
0.90% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 36 Month Certificate Account Balance APY $1,000 – $9,999 0.90% $10,000 – $49,999Your amount 3.30% $50,000 – $99,999 3.35% $100,000 – $499,999 3.56% $500,000 and up 3.56% 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 Detroit, MI metro
756 CDs at 73 banks and credit unions · checked Oct 16–22
- Typical
- 3.20%
- Top 10% from
- 4.10%
- Banks, typical
- 0.50%
- Credit unions, typical
- 3.35%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Detroit, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Chief Financial Credit UnionCredit union · 4 branches
- Extra Credit UnionCredit union · 2 branches
- Christian Financial Credit UnionCredit union · 12 branches