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 16–28 results in Portage, MI
- 3.45%APY$171 over 6 months on $10,000
Requirements
Product: Membership required. Insured by NCUA. Flexibility to add deposits throughout the term in amounts of $25 or more anytime up to maximum amount of $250,000 per CD. APYs calculated by actual daily balance method and paid/compounded monthly. Early withdrawal penalties apply and reduce earnings. Minimum balance of $500 required (Explorer's Club members have a minimum of $100).
Offer: Add-on in amounts of $25 or more anytime. Maximum amount per CD is $250,000.
Compounded monthly · 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 - 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 - First National Bank of MichiganCertificate of DepositCD · 24 months · $2,500 min · 3.04%–3.45% by balance
Bank · 1 branch
3.04%APY$617 over 24 months on $10,000Requirements
Product: The minimum to open is $2,500. A penalty may be imposed for early withdrawal. APY is based on a $2,500 balance for entire designated CD term.
Offer: 2 Year term.
3.00% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $49,999Your amount 3.04% $50,000 – $99,999 3.25% $100,000 and up 3.45% Rate checked
More details - KCCURegular Certificate AccountsCD · 48 months · $500 min · 3.00%–3.10% by balance
Credit union · 1 branch
3.00%APY$1,255 over 48 months on $10,000intro rateRequirements
Product: Membership required. Certificate bonus is only available on new certificates. Advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they earn standard APY (rate minus 0.25% APY). Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate.
Offer: Advertised APY as high as 3.00% includes 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points; standard APY is 2.75%.
Promotional rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Regular Certificate Accounts Balance APY $500 and upYour amount 3.00% $50,000 and upAdvertised APY as high as 3.10% includes 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points; standard APY is 2.85%. 3.10% 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 - 2.73%APY$1,442 over 60 months on $10,000
Requirements
Product: Minimum balance of $50, with a maximum insured deposit of $250,000. Dividends paid directly to certificate on a monthly basis. Subject to early withdrawal penalty. Additional deposits not allowed. Automatically renews with 10-day grace period.
Offer: Fixed rate. Early withdrawal penalty: 180 days dividends. Automatically renews with 10 day grace period. Additional deposits not allowed.
2.70% interest rate · Balance cap $250,000 · Effective Oct 1, 2026
Rate checked
More details - 2.10%APY$643 over 36 months on $10,000
Requirements
Product: Early withdrawal penalty may apply. Rates may change after account is opened. Pairing with Ultra Checking account unlocks a 0.10% APY bonus rate.
Offer: Bonus rate of 0.10% APY when the Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00.
Balance cap $1,000,000 · Effective Oct 1, 2026
Rate checked
More details - 1.90%APY$384 over 24 months on $10,000
Requirements
Product: Add-on CD allowing unlimited deposits throughout the term. Dividends are compounded and paid monthly. Advantage Plus Rewards incentive may not be applied. Fees may reduce earnings. Requires membership in Advia Credit Union.
Offer: Unlimited deposits permitted during term.
1.88% interest rate · Effective Jun 16, 2026
Rate checked
More details - 1.70%APY$170 over 1 year on $10,000with conditions
Requirements
Product: Early withdrawal penalty may apply. Rates may change after account is opened. Pairing with Ultra Checking account unlocks a 0.10% APY bonus rate.
Offer: Bonus rate of 0.10% APY when the Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00.
Qualified rate · Balance cap $250,000 · Effective Oct 1, 2026
Rate checked
More details - United Bay Community Credit UnionTerm Savings CertificateCD · 60 months · $500 min
Credit union · 1 branch
1.01%APY$515 over 60 months on $10,000Requirements
Product: All certificates have the following terms unless noted otherwise: minimum deposit of $500.00 is required (with the exception of the Youth Certificate which is a $25 minimum); a penalty will be imposed for early withdrawal; Interest is compounded daily and paid monthly. Rate is fixed for term of certificate but may adjust at maturity. Rates are subject to change without notice.
1.00% interest rate · Compounded daily · Effective Oct 15, 2026
Rate checked
More details - Consumers Credit UnionCertificate of Deposit (CD)CD · 60 months · $1,000 min · 1.01%–1.10% by balance
Credit union · 2 branches
1.01%APY$515 over 60 months on $10,000Requirements
Product: $1,000 minimum deposit required. Withdrawals prior to maturity are subject to an early withdrawal penalty fee. Backed by NCUA Insurance.
Offer: $1,000 minimum deposit required. Withdrawals prior to maturity are subject to an early withdrawal penalty fee.
1.01% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Certificate of Deposit (CD) Balance APY $1,000 – $24,999Your amount 1.01% $25,000 and up 1.10% 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 Portage, MI
294 CDs at 19 banks and credit unions · checked Sep 18–Oct 22
- Typical
- 2.02%
- Top 10% from
- 4.00%
- Banks, typical
- 0.50%
- Credit unions, typical
- 2.75%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Kalamazoo, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- North Central Area Credit UnionCredit union · 1 branch
- KCCUCredit union · 5 branches
- Flagstar BankBank · 2 branches