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 1–10 results in Cadillac, MI metro
- 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
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More details - Forest Area Federal Credit UnionPromo Share CertificateCD · 7 months · $500 min
Credit union · 4 branches
4.10%APY$237 over 7 months on $10,000intro ratePromotional rate · Effective Oct 6, 2026
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More details - 4.05%APY$234 over 7 months on $10,000intro rate
Requirements
Product: FDIC-insured. Minimum opening deposit is generally $500. Early withdrawal penalty applies.
Offer: Limited-time offer. Must be opened with money not currently on deposit at Horizon Bank. Automatically renews to a 6-month fixed-rate CD. Penalty for early withdrawal.
Promotional rate · Effective Sep 29, 2026
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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
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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
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More details - 3.75%APY$186 over 6 months on $10,000
Requirements
Product: $5.00 Savings Account required. Penalty for early withdrawal. Jumbo CD ($100,000 plus) rate bumps not available on CD Specials.
Offer: Limited time offer begins 8/4/25. Jumbo CD ($100,000 plus) rate bumps not available on CD Specials. Corresponding 3.69% APR.
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More details - 3.56%APY$88 over 3 months on $10,000
- Wexford Community Credit UnionCertificate of Deposit (CD)CD · 36 months · $500 min
Credit union · 2 branches
3.50%APY$1,087 over 36 months on $10,000Requirements
Product: Membership required (established Regular Share Account). Dividend rate and APY will remain at the rate at which opened. Kept to maturity to gain full APY; early withdrawal penalties and fees may reduce earnings.
Effective Apr 17, 2026
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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
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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
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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 Cadillac, MI metro
76 CDs at 7 banks and credit unions · checked Oct 16
- Typical
- 2.33%
- Top 10% from
- 3.80%
- Banks, typical
- 2.38%
- Credit unions, typical
- 2.02%
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Cadillac, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Forest Area Federal Credit UnionCredit union · 4 branches