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 121–135 results in Michigan
- Farmers Insurance Federal Credit UnionShare Certificate AccountsCD · 60 months · $1,000 min
Credit union · 1 branch
4.00%APY$2,167 over 60 months on $10,000with conditionsRequirements
Product: Membership eligibility required. Early withdrawal subject to substantial penalty. Extra Direct Deposit (DDEP) bonus of 0.25% available for regular terms 36 months and longer with $1,000+ monthly direct deposit into FIGFCU Checking.
Offer: Requires qualifying monthly Direct Deposit (DDEP) of $1,000+ into FIGFCU Checking Account.
Qualified rate · Effective Oct 1, 2024
Rate checked
More details - 3.96%APY$497 over 15 months on $10,000
Requirements
Product: Quarterly compounding of interest. Early withdrawal penalty may apply. Options starting at $50 minimum deposit.
3.90% interest rate · Effective Aug 14, 2026
Rate checked
More details - 3.96%APY$808 over 24 months on $10,000
Requirements
Product: Rate may change after the account is opened. 1yr - Rate may be increased once during the term. 2yr - Rate may be increased twice during the term. Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal.
Offer: Allows you to increase the annual percentage yield two times during the maturity period.
3.90% interest rate · Compounded quarterly · Effective Oct 5, 2026
Rate checked
More details - 3.95%APY$196 over 6 months on $10,000
Requirements
Product: Fixed rates for the term of the certificate. Penalty may be imposed for early withdrawal. Rates may change weekly.
Offer: Duration: 182 Days. Interest paid at maturity or monthly.
3.95% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.95%APY$196 over 6 months on $10,000
Requirements
Product: Flexible maturities range from 1 month to 60 months. Automatic renewal standard. Interest calculated on daily balance. Subject to early withdrawal penalty.
3.89% interest rate · Effective Sep 28, 2026
Rate checked
More details - Marshall Community Credit Union10-Month Certificate SpecialCD · 10 months · $1,000 min · 3.95%–4.25% by balance
Credit union · 3 branches
3.95%APY$328 over 10 months on $10,000intro rateRequirements
Product: No new money requirement. Jumbo rates and tiered CD retention options do not apply. Automatically renews to a 12-month term upon maturity. Early withdrawal penalties apply. Rate depends on Member Rewards tier and balance tier.
Offer: Premier Member Rewards tier.
Promotional rate · 3.88% interest rate · Effective Aug 21, 2026
Rate by balance
Rate by balance for 10-Month Certificate Special Balance APY $1,000 – $24,999Your amount 3.95% $25,000 – $49,999 4.05% $50,000 – $124,999 4.15% $125,000 and up 4.25% Rate checked
More details - Ukrainian Selfreliance MI FCUShare Certificates of Deposit (CD)CD · 12 months · $500 min
Credit union · 2 branches
3.95%APY$395 over 1 year on $10,000Requirements
Product: Penalty may apply for early withdrawal. Insured up to $250,000 by NCUA.
3.95% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.91%APY$592 over 18 months on $10,000
Requirements
Product: APY assumes interest remains in the certificate and is compounded. If interest is transferred to another account, APY will not apply and only the stated interest rate applies. Early withdrawals are subject to a penalty equal to 90 days' interest.
3.85% interest rate · Effective Sep 18, 2026
Rate checked
More details - 3.90%APY$96 over 3 months on $10,000with conditions
Requirements
Product: A West Shore Bank Checking Account is required. Minimum balance of $500 required to open.
Offer: A West Shore Bank Checking Account is required.
Qualified rate · 3.84% interest rate · Effective Mar 16, 2026
Rate checked
More details - Northland Area FCUNon-Compounding CertificatesCD · 24 months · $500 min · 3.90%–3.95% by balance
Credit union · 17 branches
3.90%APY$795 over 24 months on $10,000Requirements
Product: These certificates do not compound. Penalty may be imposed for early withdrawal.
3.90% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Non-Compounding Certificates Balance APY $500 and upYour amount 3.90% $50,000 and up2 Year-Jumbo non-compounding certificate. 3.95% Rate checked
More details - Dort Financial Credit UnionTerm Share CertificatesCD · 60 months · $1,000 min
Credit union · 13 branches
3.90%APY$2,108 over 60 months on $10,000Requirements
Product: Subject to penalty for early withdrawal. Rates subject to change.
3.84% interest rate
Rate checked
More details - 3.87%APY$224 over 7 months on $10,000with conditions
Requirements
Product: CD Special requires an Independent Bank checking account. Interest is compounded monthly and paid to the account monthly. Minimum balance to earn interest is $0.01. Early withdrawal penalty applies (three months interest for terms of one year or less). Automatically renews at maturity with a 10 calendar day grace period. Rates apply to personal CDs.
Offer: Requires an Independent Bank checking account.
Qualified rate · 3.80% interest rate · Compounded monthly · Effective Oct 14, 2026
Rate checked
More details - 3.85%APY$63 over 2 months on $10,000
Requirements
Product: Available as a Consumer or Business CD. Not available as an IRA Certificate.
Offer: Available as a Consumer or Business CD. Not available as an IRA Certificate.
3.78% interest rate · Effective Oct 13, 2026
Rate checked
More details - Isabella Community Credit UnionCertificates of DepositCD · 6 months · $500 min · 3.65%–3.85% by balance
Credit union · 4 branches
3.85%APY$191 over 6 months on $10,000Requirements
Product: Minimum Share Certificate Balance: $500. Interest is compounded monthly. Penalty for early withdrawal. Rates are guaranteed for the specific term, based on the date of issue.
Compounded monthly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $500 and up 3.65% $10,000 and upYour amount 3.85% Rate checked
More details - 3.85%APY$223 over 7 months on $10,000intro rate
Requirements
Product: Dividends compound and are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends. Early withdrawal penalty applies. Automatic rollover at maturity with a 10-day grace period.
Offer: Limited-time special; requires new money. Early withdrawal penalty is 90 days' dividends. Automatically rolls over at maturity to a 6 Month Share Certificate with a 10-day grace period.
Promotional rate · 3.78% interest rate · Effective Apr 29, 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 Michigan
1,917 CDs at 205 banks and credit unions · checked Oct 16–22
- Typical
- 3.25%
- Top 10% from
- 4.08%
- Banks, typical
- 2.23%
- Credit unions, typical
- 3.35%
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Find your bank or credit union to see all its rates and how they compare near you.
Michigan
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Settlers Federal Credit UnionCredit union · 2 branches
- Chief Financial Credit UnionCredit union · 4 branches
- Meijer Credit UnionCredit union · 3 branches