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 31–36 results in Sterling Heights, MI
- 2.05%APY$205 over 1 year on $10,000
Requirements
Product: Must be 18 years of age or older and a legal resident of the State of Michigan. One certificate per member. $25 early withdrawal penalty. Renewable term certificate. No setup or maintenance fees.
Offer: Every deposit of $25 or more earns an entry into cash prize drawings (max 100 entries per month).
2.03% interest rate · Effective Nov 3, 2025
Rate checked
More details - Christian Financial Credit UnionSave To Win CertificateCD · 12 months · $25 min
Credit union · 1 branch
1.50%APY$150 over 1 year on $10,000Requirements
Product: Additional deposits can be made throughout the term of the certificate. Maximum number of Save To Win Certificates is limited to ONE per Social Security number. Early withdrawal penalty is $25. Dividends are compounded and credited monthly. Gives chances to win cash prizes monthly and quarterly.
Offer: Only $25 to open and additional deposits can be made as often as you like. Dividends compounded and credited monthly.
1.49% interest rate · Effective Oct 16, 2026
Rate checked
More details - Cornerstone Community Financial Credit UnionStep-Up CertificateCD · 24 months · $1,000 min
Credit union · 1 branch
1.10%APY$221 over 24 months on $10,000intro rateRequirements
Product: 24-month certificate with rate bumps every 6 months. Dividends paid at maturity. Penalty may apply for early withdrawal.
Offer: Fourth 6 months rate
Promotional rate · 1.10% interest rate · Effective Jan 1, 2026
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 - 0.05%APY$2 over 6 months on $10,000
0.05% interest rate · Effective Oct 16, 2026
Rate checked
More details - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 5, 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 Sterling Heights, MI
264 CDs at 17 banks and credit unions · checked Sep 18–Oct 22
- Typical
- 2.50%
- Top 10% from
- 4.23%
- Banks, typical
- 0.05%
- Credit unions, typical
- 3.40%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Detroit, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Chief Financial Credit UnionCredit union · 4 branches
- Extra Credit UnionCredit union · 2 branches
- Christian Financial Credit UnionCredit union · 12 branches