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 Lansing, MI metro
- 3.80%APY$2,050 over 60 months on $10,000
Requirements
Product: Membership eligibility and a minimum $5 membership share deposit are required for credit union membership. Minimum balance to open is $500. Early withdrawal penalty will apply (2% of amount withdrawn).
3.73% interest rate · Effective Sep 29, 2026
Rate checked
More details - 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 - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - 3.65%APY$1,963 over 60 months on $10,000
Requirements
Product: No setup or maintenance fees. Early withdrawals subject to penalty. Automatically renews at maturity with a 7-day grace period. Maximum deposit at listed rates is $500,000.
3.59% interest rate · Balance cap $500,000 · Effective Sep 9, 2026
Rate checked
More details - Consumers Professional Credit UnionCertificates of DepositCD · 6 months · $1,000 min · 3.65%–3.75% by balance
Credit union · 2 branches
3.65%APY$181 over 6 months on $10,000Requirements
Product: Dividends are compounded quarterly and paid quarterly. A penalty may be imposed for early withdrawals. Fees may reduce earnings on accounts.
Offer: Dividends compounded quarterly and paid quarterly. Early withdrawal penalty may apply.
3.60% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $49,999Your amount 3.65% $50,000 and up 3.75% Rate checked
More details - 3.60%APY$1,934 over 60 months on $10,000
Requirements
Product: Gold Members receive an additional 0.25% dividends earned on certificates.
Offer: Gold Members receive an additional 0.25% dividends earned.
Rate checked
More details - Michigan First Credit Union60 Month Certificate AccountCD · 60 months · $1,000 min · 1.00%–3.71% by balance
Credit union · 2 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$176 over 6 months on $10,000intro rate
Requirements
Product: Limited time offer. Online opening available only to residents in Michigan. Early withdrawal penalty applies.
Offer: Limited time offer and subject to change without notice. Renews to same term and then-current rate at maturity.
Promotional rate · Effective Jan 23, 2026
Rate checked
More details - Michigan First Credit Union12 Month Certificate AccountCD · 12 months · $1,000 min · 0.90%–3.71% by balance
Credit union · 2 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$173 over 6 months on $10,000
Requirements
Product: $500.00 minimum deposit for ALL Certificates except where otherwise disclosed. Early withdrawal penalties: 90 days interest forfeited on 12 months and under; 180 days interest forfeited on 18 and 24 months. 365 days interest forfeited for 36, 48 and 60 months. See disclosure on specific details on individual accounts. Rates and Terms are subject to change at any time.
Offer: Early withdrawal penalty: 90 days interest forfeited on 12 months and under.
3.44% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.50%APY$173 over 6 months on $10,000intro rate
Requirements
Product: Minimum deposit amount of $500. Compound monthly interest, if added back to principle. One time rate increase on 36 month – 60 month term shares. Early term withdrawal with penalty.
Promotional rate · Effective Oct 5, 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 · 2 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 - 3.35%APY$335 over 1 year on $10,000
Requirements
Product: Credit Union Membership is required for all accounts.
3.30% interest rate
Rate checked
More details - 3.35%APY$335 over 1 year on $10,000
Requirements
Product: Requires a minimum balance of $10,000 to open. Early withdrawal penalties apply (equal to 120-240 days' dividends on the amount withdrawn). Renewals are automatic with a 10-day grace period.
Offer: Minimum opening deposit and minimum balance to earn APY is $10,000.
3.30% interest rate · Effective Jun 29, 2026
Rate checked
More details - Michigan First Credit Union48 Month Certificate AccountCD · 48 months · $1,000 min · 0.95%–3.66% by balance
Credit union · 2 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
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 Lansing, MI metro
267 CDs at 25 banks and credit unions · checked Oct 15–22
- Typical
- 2.95%
- Top 10% from
- 3.95%
- Banks, typical
- 0.75%
- Credit unions, typical
- 3.50%
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Lansing, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Flagstar BankBank · 3 branches
- CASE Credit UnionCredit union · 5 branches
- LAFCUCredit union · 8 branches