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 Muskegon, MI metro
- 3.75%APY$186 over 6 months on $10,000
Requirements
Product: Fixed rates, higher than regular savings. Dividends are compounded and paid monthly. No setup or maintenance charges. Early withdrawals subject to penalty. Renews automatically upon maturity after 10-day grace period.
3.69% interest rate
Rate checked
More details - 3.75%APY$375 over 1 year on $10,000
Requirements
Product: Minimum deposit of $500.00 to open. Certificates may not be added on to during their term. Withdrawals are limited to the dividends that have been deposited to the certificate; withdrawals affecting original purchase amount subject to penalty. Automatically renews at the same term with a 10-day grace period.
Rate checked
More details - Best Financial Credit UnionCertificates of Deposit (CDs)CD · 36 months · $500 min
Credit union · 1 branch
3.75%APY$1,168 over 36 months on $10,000Requirements
Product: No setup or service fees. Early withdrawal subject to penalty.
Offer: Early withdrawal penalty: 180 days interest.
3.70% interest rate
Rate checked
More details - 3.67%APY$367 over 1 year on $10,000
Requirements
Product: All Certificates of Deposit receive a 0.15% Renewal Bonus upon expiration (added to rate not APY). Rates are subject to change without notice.
Offer: 0.15% Renewal Bonus upon expiration (added to rate not APY)
Effective Oct 8, 2026
Rate checked
More details - Michigan First Credit Union60 Month Certificate AccountCD · 60 months · $1,000 min · 1.00%–3.71% by balance
Credit union · 1 branch
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$1,497 over 48 months on $10,000
Requirements
Product: Penalties may apply for early withdrawal.
Effective Oct 15, 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 · 1 branch
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 - Michigan First Credit Union24 Month Certificate AccountCD · 24 months · $1,000 min · 1.26%–3.82% by balance
Credit union · 1 branch
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 - Michigan First Credit Union48 Month Certificate AccountCD · 48 months · $1,000 min · 0.95%–3.66% by balance
Credit union · 1 branch
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 - Michigan First Credit Union6 Month Certificate AccountCD · 6 months · $1,000 min · 0.80%–3.56% by balance
Credit union · 1 branch
3.30%APY$164 over 6 months on $10,000Requirements
Product: Minimum opening deposit $1,000. Balance tiers required to earn stated APY.
Offer: Balance $1,000 to $9,999 required.
0.80% interest rate
Rate by balance
Rate by balance for 6 Month Certificate Account Balance APY $1,000 – $9,999 0.80% $10,000 – $49,999Your amount 3.30% $50,000 – $99,999 3.30% $100,000 – $499,999 3.40% $500,000 and up 3.56% 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 - 3.30%APY$330 over 1 year on $10,000intro rate
Requirements
Product: Regular account. Rates effective as of 9/3/2026.
Offer: Term: 12 Mo. Regular account. Rates effective as of 9/3/2026.
3.25% interest rate · Effective Sep 3, 2026
Rate checked
More details - Michigan First Credit Union36 Month Certificate AccountCD · 36 months · $1,000 min · 0.90%–3.56% by balance
Credit union · 1 branch
3.30%APY$1,023 over 36 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.
0.90% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 36 Month Certificate Account Balance APY $1,000 – $9,999 0.90% $10,000 – $49,999Your amount 3.30% $50,000 – $99,999 3.35% $100,000 – $499,999 3.56% $500,000 and up 3.56% 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 - 2.68%APY$268 over 1 year 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 (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.
2.65% interest rate · Compounded monthly · Effective Oct 14, 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 Muskegon, MI metro
256 CDs at 19 banks and credit unions · checked Sep 18–Oct 22
- Typical
- 3.08%
- Top 10% from
- 3.75%
- Banks, typical
- 0.15%
- Credit unions, typical
- 3.40%
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Muskegon, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Port City Credit UnionCredit union · 1 branch
- Muskegon Federal Credit UnionCredit union · 2 branches
- Lake Michigan Credit UnionCredit union · 4 branches