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 31–45 results in Saginaw, MI metro
- 3.50%APY$1,877 over 60 months on $10,000
Requirements
Offer: $500 minimum deposit
3.46% interest rate · Effective Oct 1, 2026
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 - Financial Plus Credit UnionStart 'N' Grow CertificateCD · 24 months · $500 min
Credit union · 4 branches
3.30%APY$671 over 24 months on $10,000Requirements
Product: Encourages disciplined savings through monthly auto transfers between $50 and $300 per month.
Offer: Monthly auto transfer of $50-$300 required. No manual transfers allowed.
3.26% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
Requirements
Product: Available for Veterans, Active Military, and First Responders including EMT, Police and Fire staff. Fixed rate for term. Penalty for early withdrawal. Dividends compounded and credited daily/monthly.
Offer: 6 month term. Minimum balance to earn APY is $250.
3.20% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.25%APY$325 over 1 year on $10,000
Requirements
Product: Requires a minimum balance of $10,000 to open and earn dividends. Early withdrawal penalties apply.
Offer: Early withdrawal penalty of 90 days’ Dividends.
3.20% interest rate · Effective Oct 1, 2026
Rate checked
More details - Frankenmuth Credit Union21 Month CD SpecialCD · 21 months · $500 min · 3.25%–3.75% by balance
Credit union · 12 branches
3.25%APY$576 over 21 months on $10,000Requirements
Product: Odd termed CD offer under CD Specials. VIP Gold or Platinum members get 1/4% monthly interest bonus. Birthday cards do not qualify.
Offer: Good for funds already at FCU and new funds.
3.20% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for 21 Month CD Special Balance APY $500 – $99,999Your amount 3.25% $100,000 – $149,000 3.35% $150,000 – $249,999 3.55% $250,000 and up 3.75% 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 - United Financial Credit UnionCertificate of DepositCD · 48 months · $500 min
Credit union · 6 branches
3.20%APY$1,343 over 48 months on $10,000Requirements
Product: Fixed rate for term. Minimum opening deposit $500. Early withdrawal penalty applies. Dividends compounded and credited daily/monthly.
Offer: Minimum balance to earn APY is $500.
3.15% interest rate · Effective Oct 5, 2026
Rate checked
More details - ELGA Credit UnionCertificateCD · 72 months · $1,000 min · 3.20%–3.51% by balance
Credit union · 2 branches
3.20%APY$2,080 over 72 months on $10,0003.15% interest rate
Rate by balance
Rate by balance for Certificate Balance APY $1,000 – $30,000Your amount 3.20% $30,000 – $100,000 3.25% $100,000 – $250,000 3.30% $250,000 – $500,000 3.40% $500,000 and up 3.51% Rate checked
More details - Frankenmuth Credit Union11 Month CD SpecialCD · 11 months · $500 min · 3.15%–3.65% by balance
Credit union · 12 branches
3.15%APY$288 over 11 months on $10,000Requirements
Product: Odd termed CD offer under CD Specials. VIP Gold or Platinum members get 1/4% monthly interest bonus. Birthday cards do not qualify.
Offer: Good for funds already at FCU and new funds.
3.10% interest rate · Effective Sep 18, 2026
Rate by balance
Rate by balance for 11 Month CD Special Balance APY $500 – $99,999Your amount 3.15% $100,000 – $149,000 3.25% $150,000 – $249,999 3.45% $250,000 and up 3.65% Rate checked
More details - 3.10%APY$522 over 20 months on $10,000intro rate
Requirements
Product: Allows you to 'step-up' the rate to whatever the current rate is, once during the 20 month term. Penalty for early withdrawal.
Offer: Allows step-up of rate once during 20 month term. Minimum balance to earn APY is $500.
Promotional rate · 3.05% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.10%APY$959 over 36 months on $10,000
Requirements
Product: Allows a one time withdrawal of up to 50% of the balance of the CD with no penalty. Fixed rate for 36 month term. Dividends compounded and credited daily/monthly.
Offer: Allows one-time penalty-free withdrawal of up to 50% of CD balance. Minimum balance to earn APY is $500.
3.05% interest rate · Effective Oct 5, 2026
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 - 3.00%APY$25 over 1 months on $10,000
Requirements
Product: Fixed rate for the time horizon chosen from 1 month to 5 years. Penalty for early withdrawal.
Offer: Penalty for early withdrawal.
2.72% interest rate
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY Up to $10,000 2.75% $10,000 and upYour amount 3.00% Rate checked
More details - 3.00%APY$300 over 1 year on $10,000
Requirements
Product: Can add funds at anytime. Cannot withdraw until 12 months after date of opening. Withdrawal Charges: if the CD balance is under $25,000, fee for one-time withdrawal is $50; if $25,000 or higher, fee is $100.
Offer: Effective Date: October 15, 2026
2.97% interest rate · Effective Oct 15, 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 Saginaw, MI metro
328 CDs at 23 banks and credit unions · checked Sep 18–Oct 22
- Typical
- 3.20%
- Top 10% from
- 3.85%
- Banks, typical
- 0.50%
- Credit unions, typical
- 3.45%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Saginaw, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Dow Credit UnionCredit union · 1 branch
- United Financial Credit UnionCredit union · 6 branches
- Lake Huron Credit UnionCredit union · 2 branches