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 181–195 results in Michigan
- Health Advantage Credit UnionSmart Savers CertificateCD · 12 months · $25 min
Credit union · 2 branches
3.60%APY$360 over 1 year on $10,000Requirements
Product: Allows unlimited additional flex deposits during the term. Only one account allowed per primary member SSN. Membership required ($5 minimum deposit). One withdrawal allowed with a $25 penalty; if balance falls below minimum or second withdrawal occurs, certificate is terminated. Automatically renews if balance is $25 or greater.
Offer: Fixed rate. Allows unlimited deposits during the term.
3.54% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.60%APY$360 over 1 year on $10,000
Requirements
Product: No additional deposits during the CD term. Early withdrawal penalties may apply. Funds can be used as collateral for a Certificate Secured Loan.
3.54% interest rate
Rate checked
More details - Diversified Members Credit UnionCertificates of DepositCD · 24 months · $200 min
Credit union · 4 branches
3.60%APY$733 over 24 months on $10,000intro rateRequirements
Product: Insured up to $250,000. Jumbo CD over $100,000.00 adds 0.05% to all terms (minimum balance $100,000.00, excluded from 18 and 48 month special). Early withdrawal penalties apply.
Offer: Early withdrawal penalty applies.
Promotional rate · 3.55% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.60%APY$1,934 over 60 months on $10,000
Requirements
Product: Gold Members receive an additional 0.25% dividends earned on certificates.
Offer: Gold Members receive an additional 0.25% dividends earned.
Rate checked
More details - 3.56%APY$88 over 3 months on $10,000
- 3.56%APY$266 over 9 months on $10,000intro rate
Requirements
Product: Limited time. Penalty for early withdrawal.
Promotional rate · 3.50% interest rate
Rate checked
More details - Blue Water Federal Credit UnionCertificate SpecialsCD · 9 months · $1,000 min
Credit union · 1 branch
3.56%APY$266 over 9 months on $10,000Requirements
Product: Early withdrawal from certificates will be subject to a dividend penalty.
Offer: Early withdrawal from certificates will be subject to a dividend penalty.
3.50% interest rate · Effective Oct 5, 2026
Rate checked
More details - Michigan First Credit Union60 Month Certificate AccountCD · 60 months · $1,000 min · 1.00%–3.71% by balance
Credit union · 32 branches
3.56%APY$1,911 over 60 months on $10,000Requirements
Product: Minimum balance to open an account and earn advertised APY is $1,000. Early withdrawal penalty applies. Fees may reduce earnings.
Offer: Balance $1,000 to $9,999 required.
1.00% interest rate
Rate by balance
Rate by balance for 60 Month Certificate Account Balance APY $1,000 – $9,999 1.00% $10,000 – $49,999Your amount 3.56% $50,000 – $99,999 3.61% $100,000 – $499,999 3.66% $500,000 and up 3.71% Rate checked
More details - 3.55%APY$176 over 6 months on $10,000intro rate
Requirements
Product: Limited time offer. Online opening available only to residents in Michigan. Early withdrawal penalty applies.
Offer: Limited time offer and subject to change without notice. Renews to same term and then-current rate at maturity.
Promotional rate · Effective Jan 23, 2026
Rate checked
More details - 3.55%APY$355 over 1 year on $10,000
Requirements
Product: Requirements: Must be 18 years or older, Savings Account. Additional deposits can be made throughout the term. Every qualifying deposit of at least $25 into STW is an entry into monthly and quarterly prize drawings. No monthly fees.
Offer: Dividends paid Annually (rates table) / quarterly (features text).
3.50% interest rate · Effective Sep 17, 2026
Rate checked
More details - 3.55%APY$911 over 30 months on $10,000
Requirements
Product: Stop by any Thumb Bank & Trust office to open a Certificate of Deposit. Penalty for early withdrawal may be imposed. Fees may reduce earnings.
Effective Jul 1, 2026
Rate checked
More details - 3.55%APY$1,103 over 36 months on $10,000
Requirements
Product: Fees could reduce the earnings on an account
Offer: Fees could reduce the earnings on an account
3.50% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.55%APYintro rate
Requirements
Product: One-time rate bump on 60 month term. Dividends are compounded and credited monthly. Penalty for early withdrawal.
Promotional rate · 3.49% interest rate
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More details - 3.55%APY$1,497 over 48 months on $10,000
Requirements
Product: Penalties may apply for early withdrawal.
Effective Oct 15, 2026
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More details - 3.54%APY$1,900 over 60 months on $10,000
Requirements
Product: Minimum balance: $500. Dividends calculated daily, paid quarterly. Available terms: 3 to 60 months. Monthly/Quarterly Low Balance Fees are Assessed on Accounts if the Actual Balance Falls Below $100 During the Period. Applicable Fees Assessed Against an Account May Reduce Earnings.
3.50% interest rate · Balance cap $49,999.99
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 Michigan
1,903 CDs at 203 banks and credit unions · checked Oct 16–23
- Typical
- 3.25%
- Top 10% from
- 4.10%
- Banks, typical
- 2.23%
- Credit unions, typical
- 3.35%
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Michigan
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Settlers Federal Credit UnionCredit union · 2 branches
- Meijer Credit UnionCredit union · 3 branches
- Dow Credit UnionCredit union · 2 branches