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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 271–285 results in Michigan

  1. Blue Water Federal Credit UnionCertificatesCD · 36 months · $1,000 min

    Credit union · 1 branch

    2.52%APY$775 over 36 months on $10,000
  2. Tandem Federal Credit UnionCertificate of DepositCD · 24 months · $2,000 min

    Credit union · 1 branch

    2.51%APY$508 over 24 months on $10,000
  3. Northern Lights Community Federal Credit UnionShare CDCD · 12 months

    Credit union · 1 branch

    2.50%APY$250 over 1 year on $10,000
  4. Compass Credit UnionShare CertificateCD · 60 months · $500 min

    Credit union · 2 branches

    2.48%APY$1,303 over 60 months on $10,000
  5. Independent Bank6-Month CDCD · 6 months · $500 min

    Bank · 58 branches

    2.43%APY$121 over 6 months on $10,000
  6. Top Carrot, Carrot Score 94
    United Financial Credit UnionSave to Win CDCD · 12 months · $500 min

    Credit union · 9 branches

    2.40%APY$240 over 1 year on $10,000
  7. Top Carrot, Carrot Score 87
    orsa credit union9-Month MiBux Launch Pad CertificateCD · 9 months · $10 min

    Credit union · 13 branches

    2.29%APY$171 over 9 months on $10,000intro rate
  8. Northern Interstate BankCertificates of DepositCD · 60 months · $1,000 min

    Bank · 5 branches

    2.27%APY$1,188 over 60 months on $10,000
  9. Top Carrot, Carrot Score 89
    Michigan Schools & Government Credit UnionGrow-With-Me CDCD · 24 months · $250 min

    Credit union · 24 branches

    2.25%APY$455 over 24 months on $10,000
  10. Downriver Community Federal Credit UnionShare CertificateCD · 60 months · $2,000 min

    Credit union · 3 branches

    2.25%APY$1,177 over 60 months on $10,000
  11. Zeal Credit UnionCertificates of Deposit (CDs)CD · 60 months · $500 min · 2.20%–2.40% by balance

    Credit union · 18 branches

    2.20%APY$1,149 over 60 months on $10,000
  12. Grand Trunk Credit UnionTerm Share AccountsCD · 48 months · $1,000 min

    Credit union · 1 branch

    2.17%APY$897 over 48 months on $10,000
  13. United Federal Credit UnionBump Up CertificateCD · 36 months · $500 min

    Credit union · 16 branches

    2.10%APY$643 over 36 months on $10,000
  14. THE LOCAL Credit UnionSave to Win CertificateCD · 12 months · $25 min

    Credit union · 1 branch

    2.05%APY$205 over 1 year on $10,000
  15. Eastern Michigan BankCDCD · 60 months · $500 min

    Bank · 11 branches

    2.02%APY$1,052 over 60 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