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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 1–15 results in Bay City, MI metro

  1. Top Carrot, Carrot Score 93
    Sunrise Family Credit UnionCertificate AccountCD · 13 months · $1,000 min

    Credit union · 2 branches

    4.59%APY$498 over 13 months on $10,000intro rate
  2. Top Carrot, Carrot Score 94
    Lake Huron Credit UnionCertificates of DepositCD · 24 months

    Credit union · 1 branch

    4.50%APY$920 over 24 months on $10,000
  3. Top Carrot, Carrot Score 94
    United Financial Credit Union16 Month CD Special (New Money)CD · 16 months · $500 min

    Credit union · 3 branches

    4.40%APY$591 over 16 months on $10,000intro rate
  4. PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance

    Bank · 2 branches

    4.25%APY$461 over 13 months on $10,000intro rate
  5. Top Carrot, Carrot Score 94
    United Financial Credit Union16 Month CD SpecialCD · 16 months · $500 min

    Credit union · 3 branches

    4.20%APY$564 over 16 months on $10,000
  6. Top Carrot, Carrot Score 94
    United Financial Credit Union11 Month CD Special (New Money)CD · 11 months · $500 min

    Credit union · 3 branches

    4.15%APY$380 over 11 months on $10,000intro rate
  7. Independent Bank13-Month CD SpecialCD · 13 months · $1,000 min

    Bank · 5 branches

    4.13%APY$448 over 13 months on $10,000with conditions
  8. Huntington BankFixed Rate Certificate of DepositCD · 5 months · $1,000 min

    Bank · 7 branches

    4.10%APY$169 over 5 months on $10,000intro rate
  9. Top Carrot, Carrot Score 94
    United Financial Credit Union11 Month CD SpecialCD · 11 months · $500 min

    Credit union · 3 branches

    4.05%APY$371 over 11 months on $10,000
  10. ELGA Credit UnionPromotional CDCD · 10 months · $1,000 min

    Credit union · 2 branches

    4.00%APY$332 over 10 months on $10,000intro rate
  11. Independent Bank7-Month CD SpecialCD · 7 months · $1,000 min

    Bank · 5 branches

    3.87%APY$224 over 7 months on $10,000with conditions
  12. Top Carrot, Carrot Score 88
    GREAT LAKESShare Certificate (CD)CD · 7 months · $1,000 min

    Credit union · 2 branches

    3.85%APY$223 over 7 months on $10,000intro rate
  13. Wildfire Credit UnionCertificate SpecialCD · 9 months · $500 min

    Credit union · 2 branches

    3.85%APY$287 over 9 months on $10,000intro rate
  14. Independent Bank3-Month CD SpecialCD · 3 months · $1,000 min

    Bank · 5 branches

    3.76%APY$93 over 3 months on $10,000with conditions
  15. Jolt Credit UnionShare Certificate AccountCD · 30 months · $1,000 min

    Credit union · 2 branches

    3.75%APY$964 over 30 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 Bay City, MI metro

168 CDs at 16 banks and credit unions · checked Oct 16–22

Typical
2.95%
Top 10% from
3.79%
Banks, typical
1.54%
Credit unions, typical
3.20%

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Bay City, MI metro

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. United Financial Credit UnionCredit union · 3 branches
  2. Lake Huron Credit UnionCredit union · 1 branch
  3. Sunrise Family Credit UnionCredit union · 2 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate