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 1–15 results in Jackson, MI metro
- 4.70%APY$591 over 15 months on $10,000intro rate
Requirements
Product: Promotional limited-time offer. Minimum deposit of $50 required. Fees may reduce earnings. Penalty may be imposed for early withdrawal. Dividends compounded and credited monthly. Additional deposits are permitted during the CD term. One rate bump permitted during the CD term.
Offer: Promotional special. Minimum deposit $50. Dividends compounded and credited monthly. Additional deposits permitted during term. One rate bump permitted during term. Penalty for early withdrawal may be imposed.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - 4.47%APY$2,444 over 60 months on $10,000with conditions
Requirements
Product: 365 day penalty for early withdrawal. $1,000 minimum deposit to open and earn the stated APY.
Offer: Platinum Member Special. Requires TLC Platinum Membership (using 3 of 4 services: Checking, Debit Card, Online Banking, Direct Deposit).
Qualified rate · 4.40% interest rate · Effective Sep 24, 2026
Rate checked
More details - MSU Federal Credit UnionCertificateCD · 84 months · $2,500 min · 4.35%–4.50% by balance
Credit union · 1 branch
4.35%APY$3,472 over 84 months on $10,000intro rateRequirements
Product: Fixed-rate certificate. Early withdrawal penalties apply: 90 days dividends for terms of 1 year or less; 180 days dividends for terms of 13 months to 5 years; 365 days dividends for terms of more than 5 years. No monthly or maintenance fees.
Offer: Valid thru 10/11/2026.
Promotional rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Certificate Balance APY $2,500 and upYour amount 4.35% $100,000 and upJumbo tier. 4.50% Rate checked
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
Rate checked
More details - Community Choice Credit UnionCertificates of DepositCD · 25 months · $500 min
Credit union · 2 branches
4.30%APY$917 over 25 months on $10,000Requirements
Product: Rates subject to change at any time. Penalty for early withdrawal applies.
Offer: Special rate subject to change at any time without notice. Not available for Public Units and Municipalities.
Effective Oct 1, 2026
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 1 branch
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 - Michigan First Credit Union16 Month Certificate AccountCD · 16 months · $1,000 min
Credit union · 1 branch
4.18%APY$561 over 16 months on $10,000Requirements
Product: Minimum balance to open an account and earn advertised APY is $1,000. Early withdrawal penalty applies. Fees may reduce earnings.
Offer: Balance $1,000+ required.
4.10% interest rate · Effective Oct 1, 2026
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
Rate checked
More details - 4.00%APY$231 over 7 months on $10,000intro rate
Requirements
Product: Tiered rates compounded and credited quarterly. Terms ranging from 12 to 60 months. A penalty may be imposed for early withdrawal.
Offer: Special limited time offer. New money only; funds currently deposited in accounts at Bank Michigan are not eligible for promotional interest rate. Cannot be combined with any other CD offer.
Promotional rate · 3.94% interest rate · Balance cap $249,999.99 · Effective Oct 5, 2026
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 - 3.80%APY$641 over 20 months on $10,000
Requirements
Offer: Early withdrawal penalty: 6 months interest. Interest paid and compounded quarterly.
3.75% interest rate · Compounded quarterly · Effective Oct 15, 2026
Rate checked
More details - 3.76%APY$93 over 3 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 · 3.70% interest rate · Compounded monthly · Effective Oct 14, 2026
Rate checked
More details - 3.65%APY$1,963 over 60 months on $10,000
Requirements
Product: No setup or maintenance fees. Early withdrawals subject to penalty. Automatically renews at maturity with a 7-day grace period. Maximum deposit at listed rates is $500,000.
3.59% interest rate · Balance cap $500,000 · Effective Sep 9, 2026
Rate checked
More details - 3.56%APY$266 over 9 months on $10,000intro rate
Requirements
Product: Limited time. Penalty for early withdrawal.
Promotional rate · 3.50% interest rate
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 Jackson, MI metro
134 CDs at 15 banks and credit unions · checked Oct 16–22
- Typical
- 3.01%
- Top 10% from
- 4.25%
- Banks, typical
- 1.78%
- Credit unions, typical
- 3.38%
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Find your bank or credit union to see all its rates and how they compare near you.
Jackson, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Aeroquip CUCredit union · 2 branches
- Flagstar BankBank · 7 branches
- MSU Federal Credit UnionCredit union · 1 branch