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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.

Term
Location

Top CD rates

Showing 256–270 results in Michigan

  1. Nicolet National BankInvestor Choice CDCD · 30 months · $10,000 min

    Bank · 15 branches

    2.90%APY$741 over 30 months on $10,000with conditions
  2. Shore to Shore Community Federal Credit UnionShare CertificatesCD · 60 months · $1,000 min · 2.85%–2.95% by balance

    Credit union · 2 branches

    2.85%APY$1,509 over 60 months on $10,000
  3. Top Carrot, Carrot Score 89
    Frankenmuth Credit UnionCertificate of DepositCD · 3 months · $500 min

    Credit union · 32 branches

    2.80%APY$69 over 3 months on $10,000
  4. INTERNATIONAL UAWCertificatesCD · 48 months · $5,000 min · 2.80%–3.00% by balance

    Credit union · 1 branch

    2.80%APY$1,168 over 48 months on $10,000
  5. Alpena Credit UnionCertificatesCD · 60 months · $500 min

    Credit union · 1 branch

    2.78%APY$1,469 over 60 months on $10,000
  6. Top Carrot, Carrot Score 91
    People Driven Credit UnionStandard Certificate of DepositCD · 12 months · $500 min

    Credit union · 5 branches

    2.75%APY$275 over 1 year on $10,000
  7. Top Carrot, Carrot Score 93
    CommunityAmerica Credit UnionSaver CertificateCD · 12 months · $50 min

    Credit union · 2 branches

    2.75%APY$275 over 1 year on $10,000
  8. KENOWA COMMUNITYCertificate of DepositCD · 12 months · $500 min

    Credit union · 1 branch

    2.75%APY$275 over 1 year on $10,000
  9. Mercantile BankAdd-To Certificate of DepositCD · 35 months · $25 min

    Bank · 39 branches

    2.75%APY$823 over 35 months on $10,000
  10. Independent Bank12-Month CDCD · 12 months · $500 min

    Bank · 58 branches

    2.73%APY$273 over 1 year on $10,000
  11. Ignite Credit UnionCertificates (CDs)CD · 60 months · $50 min

    Credit union · 10 branches

    2.73%APY$1,442 over 60 months on $10,000
  12. Top Carrot, Carrot Score 91
    People Driven Credit UnionSave to Win CDCD · 12 months · $25 min

    Credit union · 5 branches

    2.70%APY$270 over 1 year on $10,000
  13. South Central Credit UnionCD GoldCD · 60 months · $500 min

    Credit union · 2 branches

    2.58%APY$1,358 over 60 months on $10,000
  14. Top Carrot, Carrot Score 88
    Northwest Consumers Federal Credit UnionShare Certificates (CD’s)CD · 60 months · $500 min

    Credit union · 3 branches

    2.53%APY$1,331 over 60 months on $10,000
  15. Top Carrot, Carrot Score 87
    Iron Mountain-Kingsford Community Federal Credit UnionShare CertificateCD · 6 months · $1,000 min

    Credit union · 1 branch

    2.52%APY$125 over 6 months on $10,000

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

  1. Settlers Federal Credit UnionCredit union · 2 branches
  2. Meijer Credit UnionCredit union · 3 branches
  3. Dow Credit UnionCredit union · 2 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate