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 16–30 results in Flint, MI metro
- 3.76%APY$93 over 3 months on $10,000with conditions
Requirements
Product: CD Special requires an Independent Bank checking account. 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.
Offer: Requires an Independent Bank checking account.
Qualified rate · 3.70% interest rate · Compounded monthly · Effective Oct 14, 2026
Rate checked
More details - University of Michigan Credit UnionCertificates of DepositCD · 12 months · $500 min · 3.56%–3.82% by balance
Credit union · 2 branches
3.66%APY$366 over 1 year on $10,000Requirements
Product: Early withdrawal of principal prior to maturity date results in 90 days interest deducted from account balance. Minimum deposit to open is $500.
3.50% interest rate
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $500 and up 3.56% $10,000 and upYour amount 3.66% $100,000 and up 3.82% Rate checked
More details - Dort Financial Credit UnionAMP Certificate of DepositCD · 49–60 months · $100 min
Credit union · 9 branches
3.65%APYRequirements
Offer: Term: 49 months to 60 months.
Rate checked
More details - Security Credit UnionShare Certificates of DepositCD · 60 months · $1,000 min
Credit union · 4 branches
3.65%APY$1,963 over 60 months on $10,000Requirements
Product: Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Rates are effective as of October 1, 2026. Rates are subject to change without notice; printed matter such as our newsletter Security Matters takes priority over Internet rates. Call Security Credit Union for current rates. Penalty will be imposed for early withdrawal (90 days interest for terms of 12 months or less, 180 days interest for terms greater than 1 year). Fees may reduce earnings on the account.
Effective Oct 1, 2026
Rate checked
More details - 3.61%APY$330 over 11 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: 11 Month Special
3.55% interest rate · Effective Feb 11, 2026
Rate checked
More details - 3.60%APY$360 over 1 year on $10,000
Requirements
Product: No additional deposits during the CD term. Early withdrawal penalties may apply. Funds can be used as collateral for a Certificate Secured Loan.
3.54% interest rate
Rate checked
More details - 3.50%APY$1,877 over 60 months on $10,000
Requirements
Offer: $500 minimum deposit
3.46% interest rate · Effective Oct 1, 2026
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 - Financial Plus Credit UnionStart 'N' Grow CertificateCD · 24 months · $500 min
Credit union · 7 branches
3.30%APY$671 over 24 months on $10,000Requirements
Product: Encourages disciplined savings through monthly auto transfers between $50 and $300 per month.
Offer: Monthly auto transfer of $50-$300 required. No manual transfers allowed.
3.26% interest rate · Effective Oct 1, 2026
Rate checked
More details - Frankenmuth Credit Union21 Month CD SpecialCD · 21 months · $500 min · 3.25%–3.75% by balance
Credit union · 1 branch
3.25%APY$576 over 21 months on $10,000Requirements
Product: Odd termed CD offer under CD Specials. VIP Gold or Platinum members get 1/4% monthly interest bonus. Birthday cards do not qualify.
Offer: Good for funds already at FCU and new funds.
3.20% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for 21 Month CD Special Balance APY $500 – $99,999Your amount 3.25% $100,000 – $149,000 3.35% $150,000 – $249,999 3.55% $250,000 and up 3.75% Rate checked
More details - ELGA Credit UnionCertificateCD · 72 months · $1,000 min · 3.20%–3.51% by balance
Credit union · 10 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 - Frankenmuth Credit Union11 Month CD SpecialCD · 11 months · $500 min · 3.15%–3.65% by balance
Credit union · 1 branch
3.15%APY$288 over 11 months on $10,000Requirements
Product: Odd termed CD offer under CD Specials. VIP Gold or Platinum members get 1/4% monthly interest bonus. Birthday cards do not qualify.
Offer: Good for funds already at FCU and new funds.
3.10% interest rate · Effective Sep 18, 2026
Rate by balance
Rate by balance for 11 Month CD Special Balance APY $500 – $99,999Your amount 3.15% $100,000 – $149,000 3.25% $150,000 – $249,999 3.45% $250,000 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 - 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
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 Flint, MI metro
231 CDs at 17 banks and credit unions · checked Oct 16–22
- Typical
- 2.68%
- Top 10% from
- 3.95%
- Banks, typical
- 0.15%
- Credit unions, typical
- 3.50%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Flint, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Genisys Credit UnionCredit union · 3 branches
- Frankenmuth Credit UnionCredit union · 1 branch
- Sovita Credit UnionCredit union · 4 branches