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 1–9 results in Sault Ste. Marie, 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
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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
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More details - 4.10%APY$445 over 13 months on $10,000
Requirements
Product: Dividends are compounded quarterly, and are computed by using the average daily balance method. Minimum amount for a Certificate Account: $1,000.00 - Regular Certificate, $50,000.00 – Jumbo Certificate, $100,000.00 - Jumbo Certificate. Grace period is 10 days. Early withdrawal penalty: 90 days dividends.
4.04% interest rate · Compounded quarterly · Effective Oct 5, 2026
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More details - 4.06%APY$828 over 24 months on $10,000
Requirements
Product: Dividends may not be withdrawn before maturity.
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More details - 3.65%APY$743 over 24 months on $10,000
Requirements
Product: Early withdrawal penalty may be imposed prior to maturity date. Fees can reduce earnings.
Offer: 24 Month term. Compounding.
3.59% interest rate · Effective Oct 5, 2026
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More details - 3.65%APY$743 over 24 months on $10,000
Requirements
Product: Early withdrawal penalty may be imposed prior to maturity date. Fees can reduce earnings. Noncompounding term share accounts with a term greater than one year require mandatory dividend payouts at least annually and do not remain in the term share account.
Offer: 24 Month term. Non Compounding. Noncompounding term share accounts with a term greater than one year require mandatory dividend payouts at least annually and do not remain in the term share account.
3.65% interest rate · Effective Oct 5, 2026
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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
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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
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More details - 1.50%APY$457 over 36 months on $10,000
Requirements
Product: ALL CREDIT UNION MEMBERS ARE REQUIRED TO OPEN A SAVINGS ACCOUNT FIRST, THEN WE CAN ADD ADDITIONAL ACCOUNTS, INCLUDING CERTIFICATES OF DEPOSIT Please check with either branch office to inquire about our rates and terms.
Effective Oct 5, 2026
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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 Sault Ste. Marie, MI metro
75 CDs at 7 banks and credit unions · checked Oct 16
- Typical
- 3.28%
- Top 10% from
- 4.16%
- Banks, typical
- 3.20%
- Credit unions, typical
- 3.29%
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Sault Ste. Marie, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- U.P. State Credit UnionCredit union · 2 branches
- Soo Co-Op CUCredit union · 5 branches