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 1–15 results in Michigan City, IN metro
- 4.75%APY$804 over 20 months on $10,000
Requirements
Product: $200 minimum deposit to open. Terms range from 30 days to 6 years. Early withdrawal penalty applies. Dividends compounded and paid monthly. Offer subject to membership eligibility.
Offer: 20 Month Special
4.65% interest rate
Rate checked
More details - Members Advantage Credit UnionCertificates of DepositCD · 72 months · $1,000 min
Credit union · 2 branches
4.55%APY$3,060 over 72 months on $10,000Requirements
Product: Dividends compounded monthly. A minimum deposit of $1,000.00 is required.
Offer: Dividends compounded monthly.
Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - 4.50%APY$566 over 15 months on $10,000intro rate
Requirements
Product: Must be opened with new money transferred from lower-paying accounts at other financial institutions. Transfers between Tech Credit Union accounts do not qualify. Requires $25.00 in Membership Savings. Penalty imposed for early withdrawal. Principal and interest transfer to Membership Savings at end of term.
Offer: Requires minimum $1,000 new money to open.
Promotional rate
Rate checked
More details - 4.45%APY$910 over 24 months on $10,000
Requirements
Product: Variable rate. Additional deposits required. Membership eligibility required. $5 deposit in Member Ownership Share required.
Offer: Dividend Rate formula: T-Bill + 0.25%. Variable rate.
Effective Oct 1, 2026
Rate checked
More details - Purdue Federal Credit UnionSpecial Share CertificatesCD · 15 months · $5,000 min
Credit union · 1 branch
4.33%APY$544 over 15 months on $10,000intro rateRequirements
Product: Membership eligibility required. $5 deposit in Member Ownership Share required. Special Share Certificates are available for a limited time. Early withdrawal penalty applies.
Offer: Diamond Status My Member Perks tier. Fixed rate. Dividends compounded daily, credited monthly.
Promotional rate · 4.24% interest rate · Compounded daily
Rate checked
More details - 4.30%APY$430 over 1 year on $10,000intro rate
Requirements
Product: FDIC insured up to $250,000 per depositor. No monthly fees when held to maturity. Early withdrawal penalty applies. Maximum deposit is $10 million. Not available for public units.
Offer: Must present offer at account opening. Limited-time offer. Not available for public units or Business CDs. Certain restrictions, including area restrictions, may apply.
Promotional rate · Balance cap $10,000,000 · Effective Oct 16, 2026
Rate checked
More details - 4.25%APY$317 over 9 months on $10,000
Requirements
Product: A $500 minimum deposit is required. Daily balance method is used to calculate the interest. APY was calculated based on monthly compounding and assumes that all interest earned will remain on deposit until maturity. Penalties may be imposed for early CD withdrawal.
Offer: Special Promotional APY is subject to change without notice. This offer is valid for consumers only and applies to new certificates of deposit opened with qualifying funds for Woodforest checking account holders. Qualifying funds are new funds deposited into a certificate of deposit that are not from money currently or previously held in any account at Woodforest National Bank. This is a limited time offer and may be withdrawn at any time without notice.
Effective Oct 2, 2026
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 2 branches
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 - LaPorte Community Federal Credit UnionCertificate of DepositCD · 60 months · $500 min
Credit union · 3 branches
4.10%APY$2,225 over 60 months on $10,000Requirements
Product: Minimum balance of $500.00 required. Dividends compounded monthly and paid monthly. Early withdrawal penalty applies.
Compounded monthly · Effective Sep 24, 2026
Rate checked
More details - 4.05%APY$234 over 7 months on $10,000intro rate
Requirements
Product: FDIC-insured. Minimum opening deposit is generally $500. Early withdrawal penalty applies.
Offer: Limited-time offer. Must be opened with money not currently on deposit at Horizon Bank. Automatically renews to a 6-month fixed-rate CD. Penalty for early withdrawal.
Promotional rate · Effective Sep 29, 2026
Rate checked
More details - 4.05%APY$2,690 over 72 months on $10,000
Requirements
Product: Allows changing certificate rate one time during the term if rates go up. $200 minimum deposit to open. Penalty for early withdrawal. Dividends compounded and paid monthly.
3.98% interest rate
Rate checked
More details - 4.00%APY$502 over 15 months on $10,000
Requirements
Product: Consumer CDs with balances up to $5,000,000.00. Early withdrawal penalty applies. Accrues daily simple interest based on a 365-day year (366 days in leap year). Compounded annually and at maturity.
Offer: Special rate; limited time only, rate subject to change.
Compounded annually · Balance cap $5,000,000 · Effective Oct 14, 2026
Rate checked
More details - 3.75%APY$248 over 8 months on $10,000intro rate
Requirements
Product: Rates may vary by market. Personal deposits accepted online; visit branch or call for business deposits. Penalty for early withdrawal. Funds must be received within 7 days to receive current rate.
Offer: New money (funds not on deposit with Centier Bank in the last 90 days).
Promotional rate · 3.68% interest rate · Effective Oct 13, 2026
Rate checked
More details - First Trust Credit UnionShare Certificates (CDs)CD · 60 months · $10,000 min
Credit union · 2 branches
3.75%APY$2,021 over 60 months on $10,000Effective Oct 5, 2026
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More details - 3.60%APY$733 over 24 months on $10,000intro rate
Requirements
Product: Dividends compounded and credited quarterly. Penalty imposed for early withdrawal. $1,000 minimum deposit to open. No setup or maintenance fees.
Offer: 24 Months Special. Celebrate anniversary rate special. Membership and $1,000 minimum deposit required to open. Promotion may end at any time. Upon maturity, automatically renews at the prevailing rate for a 6-month share certificate.
Promotional rate · 3.55% interest rate · Effective Apr 13, 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 Michigan City, IN metro
271 CDs at 15 banks and credit unions · checked Oct 9–22
- Typical
- 2.25%
- Top 10% from
- 4.10%
- Banks, typical
- 1.15%
- Credit unions, typical
- 3.25%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Michigan City, IN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Members Advantage Credit UnionCredit union · 2 branches
- LaPorte Community Federal Credit UnionCredit union · 3 branches
- Flagstar BankBank · 1 branch