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Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Flint, MI metro
- Dort Financial Credit UnionRelationship CertificateCD · 11 months · $5,000 min
Credit union · 9 branches
5.00%APY$457 over 11 months on $10,000with conditionsRequirements
Product: Certificate term is 11 months and will automatically renew to a 12-month certificate at the rate in effect at the time of renewal. $5,000 minimum balance is required with no maximum. 0.25% APY bonus when you meet the Boost Checking Account qualifications within 90 days of certificate opening. Boost Checking Qualifications include direct deposits totaling $900 or more, electronic statements, and 25 or more qualifying debit/credit card purchases. 0.25% APY bonus with existing or new Dort Financial CU Visa credit card within 90 days. Maximum APY of 5.00%. APY bonuses are retroactive. Consumer certificates only. Early withdrawal penalty applies.
Offer: Maximum APY of 5.00% including relationship bonuses: 0.25% APY bonus when meeting Boost Checking Account qualifications within 90 days of certificate opening; 0.25% APY bonus with existing Dort Financial CU Visa credit card or when opening a new Dort Financial CU Visa credit card within 90 days. APY bonuses are retroactive to first day of dividend posting period. Certificate term is 11 months and renews to 12-month certificate. $5,000 minimum balance. Early withdrawal penalty applies.
Qualified rate
Rate checked
More details - Dort Financial Credit UnionCertificate of Deposit (7-Month Limited-Time Offer)CD · 7 months · $5,000 min
Credit union · 9 branches
4.60%APY$266 over 7 months on $10,000intro rateRequirements
Product: Certificate term is 7 months and will automatically renew to a 6-month certificate at the posted rate at the time of renewal. $5,000 minimum balance required with no maximum. For new money to Dort Financial Credit Union only. APY assumes dividends remain on deposit until maturity; early withdrawal penalty applies. Limited time offer.
Offer: Limited-time promotional certificate. Automatically renews to a 6-month certificate at posted rate upon maturity. Requires new money to Dort Financial Credit Union. Early withdrawal penalty applies.
Promotional rate
Rate checked
More details - 4.50%APY$960 over 25 months on $10,000intro rate
Requirements
Product: Certificate specials are for a limited time. Non-renewable (7 month renews into 6 month, 13 month renews into 12 month, 19 month renews into 18 month, 25 month renews into 24 month). Penalty for early withdrawal.
Offer: Specials are non-renewable; 25 month term will renew into an 24 month term certificate.
Promotional rate · 4.43% interest rate · Effective Oct 9, 2026
Rate checked
More details - 4.33%APY$250 over 7 months on $10,000intro rate
Requirements
Product: Fixed-rate CDs with terms from 3 months to 5 years; eight standard terms plus a 7-month promotional CD. Minimum to open standard CDs is $500. APY assumes interest remains until maturity. Upon maturity, tier rates default to the current standard rate in the rate schedule.
Offer: Promotional 7-month CD; new money only (funds not currently on deposit at Credit Union ONE; transfers from existing accounts do not qualify). Minimum $1,000 opening deposit. After maturity and a seven-day grace period, rolls into a 6-month CD at the then-current 6-month standard rate. Promotional terms and rates subject to change.
Promotional rate · 4.25% interest rate · Balance cap $250,000 · Effective Oct 15, 2026
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More details - 4.30%APY$430 over 1 year on $10,000intro rate
Requirements
Product: FDIC insured up to $250,000 per depositor. No monthly fees when held to maturity. Early withdrawal penalty applies. Maximum deposit is $10 million. Not available for public units.
Offer: Must present offer at account opening. Limited-time offer. Not available for public units or Business CDs. Certain restrictions, including area restrictions, may apply.
Promotional rate · Balance cap $10,000,000 · Effective Oct 16, 2026
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More details - 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 rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.13%APY$448 over 13 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 (six months interest for terms of more than one year). 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 · 4.05% interest rate · Compounded monthly · Effective Oct 14, 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
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More details - 4.08%APY$1,275 over 36 months on $10,000
Requirements
Product: Penalty for early withdrawal.
4.02% interest rate · Effective Oct 9, 2026
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More details - 4.06%APY$475 over 14 months on $10,000intro rate
Requirements
Product: Additional deposits of $10 to $25,000 allowed per day. One time option to change the rate offered on the same product. One time option to withdraw up to 25% of principal with no penalty.
Offer: 14 Month Flex CD Special renews into a regular 1 year certificate. Additional deposits of $10 to $25,000 allowed per day. One time option to change the rate offered on the same product. One time option to withdraw up to 25% of principal with no penalty. Penalty for early withdrawal.
Promotional rate · 4.00% interest rate · Effective Oct 9, 2026
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More details - 4.00%APY$332 over 10 months on $10,000intro rate
Promotional rate · 3.93% interest rate
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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
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More details - Dort Financial Credit UnionTerm Share CertificatesCD · 60 months · $1,000 min
Credit union · 9 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
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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
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More details - 3.80%APY$2,050 over 60 months on $10,000
Requirements
Product: Membership eligibility and a minimum $5 membership share deposit are required for credit union membership. Minimum balance to open is $500. Early withdrawal penalty will apply (2% of amount withdrawn).
3.73% interest rate · Effective Sep 29, 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 Flint, MI metro
231 CDs at 17 banks and credit unions · checked Oct 16–22
- Typical
- 2.68%
- Top 10% from
- 3.95%
- Banks, typical
- 0.15%
- Credit unions, typical
- 3.50%
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Flint, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Genisys Credit UnionCredit union · 3 branches
- Frankenmuth Credit UnionCredit union · 1 branch
- Sovita Credit UnionCredit union · 4 branches