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 1–8 results in Ludington, MI metro
- PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 1 branch
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.10%APY$169 over 5 months on $10,000intro rate
Requirements
Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.
Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.
Promotional rate · 4.02% interest rate · Effective Oct 16, 2026
Rate checked
More details - 3.90%APY$96 over 3 months on $10,000with conditions
Requirements
Product: A West Shore Bank Checking Account is required. Minimum balance of $500 required to open.
Offer: A West Shore Bank Checking Account is required.
Qualified rate · 3.84% interest rate · Effective Mar 16, 2026
Rate checked
More details - Safe Harbor Credit UnionHigh-Yield Time Deposit AccountsCD · 6 months · $1,000 min
Credit union · 1 branch
3.65%APY$181 over 6 months on $10,000Requirements
Product: Early withdrawals subject to penalty. No setup or maintenance fees.
Effective Sep 8, 2026
Rate checked
More details - 3.40%APY$1,820 over 60 months on $10,000
Effective Jun 1, 2026
Rate by balance
Rate by balance for Regular CDs Balance APY Any balance 3.30% $10,000 and upYour amount 3.40% Rate checked
More details - Filer Credit UnionRegular CDCD · 6 months · $1,000 min · 3.04%–3.09% by balance
Credit union · 1 branch
3.04%APY$151 over 6 months on $10,000Requirements
Product: Cannot add money to CD once opened. Early withdrawal penalty: 180 days interest for 6-month CD, 365 days interest for terms over 6 months (12 to 60 months). Interest calculated daily and posted monthly to regular shares or compounded to certificate. No age limit.
Offer: Minimum deposit $1,000. Early withdrawal penalty is 6 months interest.
Effective Oct 5, 2026
Rate by balance
Rate by balance for Regular CD Balance APY $1,000 and upYour amount 3.04% $25,000 and upMinimum deposit $25,000. 3.09% Rate checked
More details - 3.00%APY$74 over 3 months on $10,000
Requirements
Product: No monthly fees. Minimum balance to open is $500. Daily balance required to obtain APY.
2.97% interest rate · Effective Mar 16, 2026
Rate checked
More details - 2.94%APY$294 over 1 year on $10,000
Requirements
Product: Combines monthly interest with the chance to win monthly lotteries. Early withdrawal penalty is $25.00.
Offer: Minimum deposit $25. 12-month term. Early withdrawal penalty is $25.00.
Effective Oct 5, 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 Ludington, MI metro
65 CDs at 6 banks and credit unions · checked Oct 16–22
- Typical
- 2.52%
- Top 10% from
- 3.46%
- Banks, typical
- 1.25%
- Credit unions, typical
- 2.84%
Is your bank paying you enough?
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Michigan
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Settlers Federal Credit UnionCredit union · 2 branches
- Chief Financial Credit UnionCredit union · 4 branches
- Meijer Credit UnionCredit union · 3 branches