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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 Saginaw, MI

  1. Top Carrot, Carrot Score 90
    Family First Credit UnionNew Money CD SpecialsCD · 15 months · $1,000 min

    Credit union · 1 branch

    4.50%APY$566 over 15 months on $10,000intro rate
  2. Independent Bank13-Month CD SpecialCD · 13 months · $1,000 min

    Bank · 1 branch

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

    Bank · 2 branches

    4.10%APY$169 over 5 months on $10,000intro rate
  4. Top Carrot, Carrot Score 90
    Family First Credit UnionSave to Win CDCD · 6 months · $500 min

    Credit union · 1 branch

    4.00%APY$198 over 6 months on $10,000
  5. Independent Bank7-Month CD SpecialCD · 7 months · $1,000 min

    Bank · 1 branch

    3.87%APY$224 over 7 months on $10,000with conditions
  6. Independent Bank3-Month CD SpecialCD · 3 months · $1,000 min

    Bank · 1 branch

    3.76%APY$93 over 3 months on $10,000with conditions
  7. Jolt Credit UnionShare Certificate AccountCD · 30 months · $1,000 min

    Credit union · 1 branch

    3.75%APY$964 over 30 months on $10,000
  8. Consumers Professional Credit UnionCertificates of DepositCD · 6 months · $1,000 min · 3.65%–3.75% by balance

    Credit union · 1 branch

    3.65%APY$181 over 6 months on $10,000
  9. Team One Credit UnionCertificates of DepositCD · 12 months · $500 min

    Credit union · 1 branch

    3.60%APY$360 over 1 year on $10,000
  10. Financial Plus Credit UnionCertificatesCD · 60 months · $500 min

    Credit union · 1 branch

    3.50%APY$1,877 over 60 months on $10,000
  11. ChaseCertificate of DepositCD · 8 months · $1,000 min · 3.30%–3.80% by balance

    Bank · 1 branch

    3.30%APY$219 over 8 months on $10,000with conditions
  12. Financial Plus Credit UnionStart 'N' Grow CertificateCD · 24 months · $500 min

    Credit union · 1 branch

    3.30%APY$671 over 24 months on $10,000
  13. Top Carrot, Carrot Score 89
    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 $10,000
  14. Top Carrot, Carrot Score 89
    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 $10,000
  15. Independent Bank24-Month CDCD · 24 months · $500 min

    Bank · 1 branch

    3.09%APY$628 over 24 months on $10,000

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 Saginaw, MI

145 CDs at 10 banks and credit unions · checked Oct 16

Typical
2.00%
Top 10% from
3.55%
Banks, typical
0.25%
Credit unions, typical
3.44%

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Saginaw, MI metro

Top Carrot institutions

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

  1. Dow Credit UnionCredit union · 1 branch
  2. United Financial Credit UnionCredit union · 6 branches
  3. Lake Huron Credit UnionCredit union · 2 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate