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 46–52 results in Saginaw, MI metro
- 2.80%APY$69 over 3 months on $10,000
Requirements
Product: Length of term: 3 months through 60 months. Minimum amounts: $500.00. Early withdrawal penalty applies. Must compound to earn stated APY.
Offer: Effective Date: October 15, 2026
2.76% interest rate · Balance cap $99,999 · Effective Oct 15, 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 - 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 - 2.43%APY$121 over 6 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 (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.
2.40% interest rate · Compounded monthly · Effective Oct 14, 2026
Rate checked
More details - 2.40%APY$240 over 1 year on $10,000
Requirements
Product: 12 month certificate of deposit with prize entries: every $25 saved earns another chance to win, up to 10 chances every month. Limit 1 per member. Penalty for early withdrawal.
Offer: Opening minimum $25. Minimum balance to earn APY is $500. Limit 1 per member.
2.37% interest rate · Effective Oct 5, 2026
Rate checked
More details - ELGA Credit UnionSave To WinCD · 12 months · $25 min · 0.10%–0.75% by balance
Credit union · 2 branches
0.75%APY$75 over 1 year on $10,000Requirements
Product: Members who opened their Save To Win accounts in the State of Florida, and/or who transact business primarily in branches located in the State of Florida are ineligible to win.
0.75% interest rate
Rate by balance
Rate by balance for Save To Win Balance APY Up to $25,000Your amount 0.75% $25,000 and up 0.10% Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% 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%
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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