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 1–8 results in Alma, MI metro
- Gratiot Community Credit UnionTimed CertificatesCD · 60 months · $1,000 min
Credit union · 3 branches
4.33%APY$2,361 over 60 months on $10,0004.25% interest rate · Effective Oct 7, 2026
Rate checked
More details - 4.10%APY$169 over 5 months on $10,000intro rate
Requirements
Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.
Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.
Promotional rate · 4.02% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.05%APY$2,196 over 60 months on $10,000
Requirements
Product: Dividends are paid on daily balance and the dividend period is monthly. Fees may lower earnings.
3.98% interest rate · Effective Oct 15, 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 - 3.50%APY$173 over 6 months on $10,000
Requirements
Product: $500.00 minimum deposit for ALL Certificates except where otherwise disclosed. Early withdrawal penalties: 90 days interest forfeited on 12 months and under; 180 days interest forfeited on 18 and 24 months. 365 days interest forfeited for 36, 48 and 60 months. See disclosure on specific details on individual accounts. Rates and Terms are subject to change at any time.
Offer: Early withdrawal penalty: 90 days interest forfeited on 12 months and under.
3.44% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.24%APY$772 over 28 months on $10,000intro rate
Requirements
Product: Allows a one-time flex in the interest rate earned during the initial term. Interest calculated on daily balance and credited/compounded quarterly. Subject to early withdrawal penalty.
Promotional rate · 3.20% interest rate · Compounded quarterly · Effective Sep 28, 2026
Rate checked
More details - 3.00%APY$25 over 1 months on $10,000
Requirements
Product: Fixed rate for the time horizon chosen from 1 month to 5 years. Penalty for early withdrawal.
Offer: Penalty for early withdrawal.
2.72% interest rate
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY Up to $10,000 2.75% $10,000 and upYour amount 3.00% Rate checked
More details - 2.75%APY$823 over 35 months on $10,000
Requirements
Product: Allows making deposits to the principal balance during the initial term. Interest calculated on daily balance and credited/compounded quarterly. Subject to early withdrawal penalty.
2.72% interest rate · Compounded quarterly · Effective Sep 28, 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 Alma, MI metro
54 CDs at 6 banks and credit unions · checked Oct 16
- Typical
- 3.14%
- Top 10% from
- 4.09%
- Banks, typical
- 2.75%
- Credit unions, typical
- 3.90%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Alma, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Gratiot Community Credit UnionCredit union · 3 branches
- Journey Federal Credit UnionCredit union · 1 branch