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 91–105 results in Detroit, MI metro
- 3.30%APY$1,763 over 60 months on $10,000
Requirements
Product: Active membership, minimum deposit of $500, and completed Share Certificate application required. 90 day interest penalty for early withdrawal. Jumbo rates (24 Month and over $10,000 earns 0.05% above regular rate; 24 Month and over $25,000 earns 0.10% above regular rate) do not apply to non-member deposits.
Offer: Interest Paid: Quarterly. 90 day interest penalty for early withdrawal.
3.25% interest rate · Effective Oct 5, 2026
Rate checked
More details - ABD Federal Credit UnionShare CertificateCD · 12 months · $1,000 min · 3.29%–4.06% by balance
Credit union · 2 branches
3.29%APY$329 over 1 year on $10,000Requirements
Product: All accounts must maintain the minimum balance stated to receive dividends. A penalty equal to 90 days interest may apply for early withdrawal on Certificate of Deposit Accounts. Dividends are paid quarterly starting from the issue date.
3.25% interest rate · Effective Nov 25, 2024
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 and upYour amount 3.29% $50,000 and up 4.06% Rate checked
More details - 3.24%APY$772 over 28 months on $10,000intro rate
Requirements
Product: Allows a one-time flex in the interest rate earned during the initial term. Interest calculated on daily balance and credited/compounded quarterly. Subject to early withdrawal penalty.
Promotional rate · 3.20% interest rate · Compounded quarterly · Effective Sep 28, 2026
Rate checked
More details - ELGA Credit UnionCertificateCD · 72 months · $1,000 min · 3.20%–3.51% by balance
Credit union · 2 branches
3.20%APY$2,080 over 72 months on $10,0003.15% interest rate
Rate by balance
Rate by balance for Certificate Balance APY $1,000 – $30,000Your amount 3.20% $30,000 – $100,000 3.25% $100,000 – $250,000 3.30% $250,000 – $500,000 3.40% $500,000 and up 3.51% Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - 3.09%APY$628 over 24 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 (six months interest for terms of more than one year). Automatically renews at maturity with a 10 calendar day grace period. Rates apply to personal CDs.
3.05% interest rate · Compounded monthly · Effective Oct 14, 2026
Rate checked
More details - Diversified Members Credit UnionSave to Win CertificateCD · 12 months · $25 min
Credit union · 4 branches
3.00%APY$300 over 1 year on $10,000Requirements
Product: Every $25 deposit earns 1 entry to win cash prizes (up to 100 entries per month, 300 entries per quarter). Lets you add money anytime. Initial deposit is $25. Early withdrawal penalties apply.
Offer: Initial deposit $25. Early withdrawal penalties apply. Add money anytime.
2.97% interest rate
Rate checked
More details - 3.00%APY$1,593 over 60 months on $10,000
Requirements
Product: Early withdrawals subject to penalty. No setup or maintenance fees.
2.97% interest rate · Effective Nov 3, 2025
Rate checked
More details - Shore to Shore Community Federal Credit UnionShare CertificatesCD · 60 months · $1,000 min · 2.85%–2.95% by balance
Credit union · 2 branches
2.85%APY$1,509 over 60 months on $10,000Requirements
Product: Dividends paid out on maturity date. Early withdrawal penalty results in forfeiture of all dividends earned since last maturity date.
Offer: Dividends paid out at maturity. Tier 1 on balances $1,000-$24,999.
2.85% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 – $24,999Your amount 2.85% $25,000 – $99,999 2.90% $100,000 and up 2.95% Rate checked
More details - INTERNATIONAL UAWCertificatesCD · 48 months · $5,000 min · 2.80%–3.00% by balance
Credit union · 1 branch
2.80%APY$1,168 over 48 months on $10,000Requirements
Offer: Dividends paid annually.
2.80% interest rate · Effective Oct 1, 2023
Rate by balance
Rate by balance for Certificates Balance APY $5,000 – $25,000Your amount 2.80% $25,000 – $50,000 2.90% $50,000 and up 3.00% Rate checked
More details - People Driven Credit UnionStandard Certificate of DepositCD · 12 months · $500 min
Credit union · 4 branches
2.75%APY$275 over 1 year on $10,000Requirements
Product: Dividends are compounded and paid quarterly on standard certificates. Early withdrawal penalties apply: loss of 90 days' interest for terms 12 months or less; loss of 180 days' interest for terms greater than 12 months. Membership and eligibility requirements apply.
2.72% interest rate
Rate checked
More details - 2.75%APY$823 over 35 months on $10,000
Requirements
Product: Allows making deposits to the principal balance during the initial term. Interest calculated on daily balance and credited/compounded quarterly. Subject to early withdrawal penalty.
2.72% interest rate · Compounded quarterly · Effective Sep 28, 2026
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 - 2.70%APY$270 over 1 year on $10,000
Requirements
Product: Available to members at least 18 years old residing in states where prize-linked savings is permitted. Each $25 qualifying deposit increase earns one entry into monthly, quarterly, and annual prize drawings (max 100 entries/month, 300/quarter, 1,200/year). Early withdrawal penalty: $25.
2.67% interest rate
Rate checked
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
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