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 16–22 results in Midland, MI
- Frankenmuth Credit Union21 Month CD SpecialCD · 21 months · $500 min · 3.25%–3.75% by balance
Credit union · 1 branch
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 - Frankenmuth Credit Union11 Month CD SpecialCD · 11 months · $500 min · 3.15%–3.65% by balance
Credit union · 1 branch
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 - 3.00%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 - 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
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 Midland, MI
121 CDs at 12 banks and credit unions · checked Oct 16–22
- Typical
- 3.50%
- Top 10% from
- 4.25%
- Banks, typical
- 2.18%
- Credit unions, typical
- 3.60%
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Midland, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Dow Credit UnionCredit union · 1 branch
- Health Advantage Credit UnionCredit union · 1 branch
- Frankenmuth Credit UnionCredit union · 1 branch