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 Petoskey, MI metro
- 4.75%APY$2,612 over 60 months on $10,000
Requirements
Product: Interest is compounded and credited quarterly using the daily balance method. Penalty for early withdrawal: 6 months interest if maturity is 24 months or less; 12 months interest if maturity is more than 24 months.
Offer: Relationship rate requires Direct Deposit Checking.
4.67% interest rate · Effective Sep 23, 2026
Rate checked
More details - 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 - 3.96%APY$808 over 24 months on $10,000
Requirements
Product: Rate may change after the account is opened. 1yr - Rate may be increased once during the term. 2yr - Rate may be increased twice during the term. Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal.
Offer: Allows you to increase the annual percentage yield two times during the maturity period.
3.90% interest rate · Compounded quarterly · Effective Oct 5, 2026
Rate checked
More details - 3.95%APY$196 over 6 months on $10,000
Requirements
Product: Flexible maturities range from 1 month to 60 months. Automatic renewal standard. Interest calculated on daily balance. Subject to early withdrawal penalty.
3.89% interest rate · Effective Sep 28, 2026
Rate checked
More details - Northland Area FCUNon-Compounding CertificatesCD · 24 months · $500 min · 3.90%–3.95% by balance
Credit union · 1 branch
3.90%APY$795 over 24 months on $10,000Requirements
Product: These certificates do not compound. Penalty may be imposed for early withdrawal.
3.90% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Non-Compounding Certificates Balance APY $500 and upYour amount 3.90% $50,000 and up2 Year-Jumbo non-compounding certificate. 3.95% Rate checked
More details - 3.85%APY$583 over 18 months on $10,000
Requirements
Product: Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal.
3.80% interest rate · Compounded quarterly · Effective Oct 5, 2026
Rate checked
More details - 3.81%APY$157 over 5 months on $10,000
Requirements
Product: Penalty for early withdrawals.
Offer: Penalty for early withdrawals.
Effective Oct 5, 2026
Rate checked
More details - St. Francis X Federal Credit UnionShare CertificatesCD · 60 months · $500 min · 3.75%–4.00% by balance
Credit union · 4 branches
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: Early withdrawals are subject to penalties. Terms for 3 months to 5 years with a minimum deposit of $500. Tiered interest paying higher rates on higher balances. Quarterly dividends and automatic renewal.
Offer: First Tier APY. Early withdrawals subject to penalties.
Effective Oct 5, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY Any balanceYour amount 3.75% $100,000 and up 4.00% 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 - 3.24%APY$772 over 28 months on $10,000intro rate
Requirements
Product: Allows a one-time flex in the interest rate earned during the initial term. Interest calculated on daily balance and credited/compounded quarterly. Subject to early withdrawal penalty.
Promotional rate · 3.20% interest rate · Compounded quarterly · Effective Sep 28, 2026
Rate checked
More details - 2.90%APY$741 over 30 months on $10,000with conditions
Requirements
Product: Offers an option to increase the rate one time during the term based on current rates; additional funds may be added up to initial deposit amount in $1,000 increments at time of increase. Interest compounded and credited quarterly using daily balance method. Penalty for early withdrawal: 12 months interest if maturity is more than 24 months.
Offer: Relationship rate requires Direct Deposit Checking.
Qualified rate · 2.87% interest rate · Effective Sep 23, 2026
Rate checked
More details - 2.75%APY$823 over 35 months on $10,000
Requirements
Product: Allows making deposits to the principal balance during the initial term. Interest calculated on daily balance and credited/compounded quarterly. Subject to early withdrawal penalty.
2.72% interest rate · Compounded quarterly · Effective Sep 28, 2026
Rate checked
More details - St. Francis X Federal Credit Union9-Month No Penalty CDCD · 9 months · 0.30%–0.40% by balance
Credit union · 4 branches
0.30%APY$22 over 9 months on $10,000Requirements
Product: No penalty for early withdrawal. Limited to no more than six transfers and withdrawals per statement cycle to another account or third party. Opening deposit starting at $500.
Offer: First Tier rate.
Effective Sep 18, 2026
Rate by balance
Rate by balance for 9-Month No Penalty CD Balance APY Any balanceYour amount 0.30% $25,000 and up 0.35% $75,000 and up 0.40% 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 Petoskey, MI metro
180 CDs at 9 banks and credit unions · checked Oct 16–22
- Typical
- 2.00%
- Top 10% from
- 3.91%
- Banks, typical
- 0.50%
- Credit unions, typical
- 3.15%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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