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 Owosso, MI metro
- Dort Financial Credit UnionRelationship CertificateCD · 11 months · $5,000 min
Credit union · 1 branch
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 · 1 branch
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 - 4.10%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$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
Rate checked
More details - Dort Financial Credit UnionTerm Share CertificatesCD · 60 months · $1,000 min
Credit union · 1 branch
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
Rate checked
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
Rate checked
More details - Dort Financial Credit UnionAMP Certificate of DepositCD · 49–60 months · $100 min
Credit union · 1 branch
3.65%APYRequirements
Offer: Term: 49 months to 60 months.
Rate checked
More details - Security Credit UnionShare Certificates of DepositCD · 60 months · $1,000 min
Credit union · 1 branch
3.65%APY$1,963 over 60 months on $10,000Requirements
Product: Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Rates are effective as of October 1, 2026. Rates are subject to change without notice; printed matter such as our newsletter Security Matters takes priority over Internet rates. Call Security Credit Union for current rates. Penalty will be imposed for early withdrawal (90 days interest for terms of 12 months or less, 180 days interest for terms greater than 1 year). Fees may reduce earnings on the account.
Effective Oct 1, 2026
Rate checked
More details - 3.60%APY$360 over 1 year on $10,000
Requirements
Product: No additional deposits during the CD term. Early withdrawal penalties may apply. Funds can be used as collateral for a Certificate Secured Loan.
3.54% interest rate
Rate checked
More details - 3.35%APY$335 over 1 year on $10,000
Requirements
Product: Requires a minimum balance of $10,000 to open. Early withdrawal penalties apply (equal to 120-240 days' dividends on the amount withdrawn). Renewals are automatic with a 10-day grace period.
Offer: Minimum opening deposit and minimum balance to earn APY is $10,000.
3.30% interest rate · Effective Jun 29, 2026
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.25%APY$325 over 1 year on $10,000
Requirements
Product: Open for as little as $50. Additional add-on deposits allowed. Dividends compounded and credited monthly. Penalties for early withdrawal will apply (equal to 90-180 days' dividends on the amount withdrawn). Renewals are automatic with a 10-day grace period.
Offer: Minimum opening deposit and minimum balance to earn APY is $50. Additional deposits allowed.
3.20% interest rate · Effective Jun 29, 2026
Rate checked
More details - Frankenmuth Credit Union21 Month CD SpecialCD · 21 months · $500 min · 3.25%–3.75% by balance
Credit union · 1 branch
3.25%APY$576 over 21 months on $10,000Requirements
Product: Odd termed CD offer under CD Specials. VIP Gold or Platinum members get 1/4% monthly interest bonus. Birthday cards do not qualify.
Offer: Good for funds already at FCU and new funds.
3.20% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for 21 Month CD Special Balance APY $500 – $99,999Your amount 3.25% $100,000 – $149,000 3.35% $150,000 – $249,999 3.55% $250,000 and up 3.75% Rate checked
More details - Frankenmuth Credit Union11 Month CD SpecialCD · 11 months · $500 min · 3.15%–3.65% by balance
Credit union · 1 branch
3.15%APY$288 over 11 months on $10,000Requirements
Product: Odd termed CD offer under CD Specials. VIP Gold or Platinum members get 1/4% monthly interest bonus. Birthday cards do not qualify.
Offer: Good for funds already at FCU and new funds.
3.10% interest rate · Effective Sep 18, 2026
Rate by balance
Rate by balance for 11 Month CD Special Balance APY $500 – $99,999Your amount 3.15% $100,000 – $149,000 3.25% $150,000 – $249,999 3.45% $250,000 and up 3.65% Rate checked
More details - 3.00%APY$300 over 1 year on $10,000
Requirements
Product: Can add funds at anytime. Cannot withdraw until 12 months after date of opening. Withdrawal Charges: if the CD balance is under $25,000, fee for one-time withdrawal is $50; if $25,000 or higher, fee is $100.
Offer: Effective Date: October 15, 2026
2.97% interest rate · Effective Oct 15, 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 Owosso, MI metro
135 CDs at 9 banks and credit unions · checked Oct 16
- Typical
- 2.00%
- Top 10% from
- 3.65%
- Banks, typical
- 0.05%
- Credit unions, typical
- 3.50%
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Owosso, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Frankenmuth Credit UnionCredit union · 1 branch
- Dort Financial Credit UnionCredit union · 1 branch
- LAFCUCredit union · 2 branches