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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.

Term
Location

Top CD rates

Showing 1–9 results in Houghton, MI metro

  1. Top Carrot, Carrot Score 89
    Flagstar BankCertificates of Deposit (CD)CD · 12 months · $500 min

    Bank · 1 branch

    4.30%APY$430 over 1 year on $10,000intro rate
  2. Top Carrot, Carrot Score 88
    Peninsula Federal Credit UnionShare CertificatesCD · 15 months · $500 min

    Credit union · 1 branch

    4.30%APY$540 over 15 months on $10,000
  3. Superior National BankCertificate of Deposit (CD)CD · 48 months · $500 min

    Bank · 6 branches

    4.30%APY$1,834 over 48 months on $10,000
  4. Range BankCertificate of DepositCD · 15 months · $1,000 min

    Bank · 3 branches

    4.15%APY$521 over 15 months on $10,000intro rate
  5. Huntington BankFixed Rate Certificate of DepositCD · 5 months · $1,000 min

    Bank · 1 branch

    4.10%APY$169 over 5 months on $10,000intro rate
  6. Top Carrot, Carrot Score 88
    Peninsula Federal Credit UnionJump Rate CertificatesCD · 36 months · $500 min

    Credit union · 1 branch

    4.05%APY$1,265 over 36 months on $10,000intro rate
  7. Top Carrot, Carrot Score 88
    Breakwater Federal Credit UnionShare CertificatesCD · 6 months · $500 min

    Credit union · 1 branch

    3.50%APY$173 over 6 months on $10,000
  8. IncredibleBankCertificates of DepositCD · 6 months · $1,000 min

    Bank · 2 branches

    3.25%APY$161 over 6 months on $10,000
  9. Top Carrot, Carrot Score 88
    Peninsula Federal Credit UnionSave to Win CertificateCD · 12 months · $25 min

    Credit union · 1 branch

    2.00%APY$200 over 1 year on $10,000

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 Houghton, MI metro

64 CDs at 7 banks and credit unions · checked Oct 5–17

Typical
3.68%
Top 10% from
4.25%
Banks, typical
3.25%
Credit unions, typical
3.90%

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Houghton, MI metro

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Flagstar BankBank · 1 branch
  2. Breakwater Federal Credit UnionCredit union · 1 branch
  3. Peninsula Federal Credit UnionCredit union · 1 branch
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate