Skip to content

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 Traverse City, MI metro

  1. Nicolet National BankCertificate of DepositCD · 60 months · $2,500 min

    Bank · 2 branches

    4.75%APY$2,612 over 60 months on $10,000
  2. Top Carrot, Carrot Score 88
    MSU Federal Credit UnionCertificateCD · 84 months · $2,500 min · 4.35%–4.50% by balance

    Credit union · 2 branches

    4.35%APY$3,472 over 84 months on $10,000intro rate
  3. Top Carrot, Carrot Score 87
    Credit Union ONECertificate of DepositCD · 7 months · $1,000 min

    Credit union · 1 branch

    4.33%APY$250 over 7 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 · 1 branch

    4.25%APY$461 over 13 months on $10,000intro rate
  5. Independent Bank13-Month CD SpecialCD · 13 months · $1,000 min

    Bank · 4 branches

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

    Bank · 12 branches

    4.10%APY$169 over 5 months on $10,000intro rate
  7. Top Carrot, Carrot Score 87
    Forest Area Federal Credit UnionPromo Share CertificateCD · 7 months · $500 min

    Credit union · 3 branches

    4.10%APY$237 over 7 months on $10,000intro rate
  8. Top Carrot, Carrot Score 88
    Lake Michigan Credit UnionCertificates of Deposit (CDs)CD · 60 months · $500 min

    Credit union · 2 branches

    4.00%APY$2,167 over 60 months on $10,000with conditions
  9. Northland Area FCUPLUS CertificatesCD · 24 months · $500 min

    Credit union · 1 branch

    3.96%APY$808 over 24 months on $10,000
  10. Mercantile BankCertificate of DepositCD · 6 months · $500 min

    Bank · 1 branch

    3.95%APY$196 over 6 months on $10,000
  11. West Shore BankCD SpecialsCD · 3 months · $500 min

    Bank · 2 branches

    3.90%APY$96 over 3 months on $10,000with conditions
  12. Northland Area FCUNon-Compounding CertificatesCD · 24 months · $500 min · 3.90%–3.95% by balance

    Credit union · 1 branch

    3.90%APY$795 over 24 months on $10,000
  13. Independent Bank7-Month CD SpecialCD · 7 months · $1,000 min

    Bank · 4 branches

    3.87%APY$224 over 7 months on $10,000with conditions
  14. Northland Area FCUCompounding CertificatesCD · 18 months · $500 min

    Credit union · 1 branch

    3.85%APY$583 over 18 months on $10,000
  15. Independent Bank3-Month CD SpecialCD · 3 months · $1,000 min

    Bank · 4 branches

    3.76%APY$93 over 3 months on $10,000with conditions

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 Traverse City, MI metro

289 CDs at 18 banks and credit unions · checked Sep 18–Oct 22

Typical
3.00%
Top 10% from
3.91%
Banks, typical
1.50%
Credit unions, typical
3.35%

Is your bank paying you enough?

Find your bank or credit union to see all its rates and how they compare near you.

Suggestions appear after two characters. Use arrow keys and Enter to choose an institution, or submit to see all matches.

Traverse City, MI metro

Top Carrot institutions

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

  1. Lake Michigan Credit UnionCredit union · 2 branches
  2. Northwest Consumers Federal Credit UnionCredit union · 2 branches
  3. MSU Federal Credit UnionCredit union · 2 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate