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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 Michigan

  1. FreeStar Financial Credit Union18-Month SpecialCD · 18 months · $500 min

    Credit union · 8 branches

    5.25%APY$798 over 18 months on $10,000with conditions
  2. Diversified Members Credit UnionLegacy Certificate of DepositCD · 12 months · $5,000 min

    Credit union · 4 branches

    5.15%APY$515 over 1 year on $10,000
  3. FreeStar Financial Credit UnionCertificates of DepositCD · 6 months · $500 min

    Credit union · 8 branches

    5.00%APY$247 over 6 months on $10,000with conditions
  4. Top Carrot, Carrot Score 88
    Dort Financial Credit UnionRelationship CertificateCD · 11 months · $5,000 min

    Credit union · 13 branches

    5.00%APY$457 over 11 months on $10,000with conditions
  5. Nicolet National BankCertificate of DepositCD · 60 months · $2,500 min

    Bank · 15 branches

    4.75%APY$2,612 over 60 months on $10,000
  6. Top Carrot, Carrot Score 88
    Gerber Federal Credit UnionShare CertificatesCD · 84 months · $1,000 min

    Credit union · 3 branches

    4.75%APY$3,838 over 84 months on $10,000
  7. Ignite Credit UnionCertificate SpecialsCD · 15 months · $50 min

    Credit union · 10 branches

    4.70%APY$591 over 15 months on $10,000intro rate
  8. Advia Credit UnionRegular CDCD · 11 months · $500 min

    Credit union · 19 branches

    4.61%APY$422 over 11 months on $10,000with conditions
  9. Top Carrot, Carrot Score 88
    Dort Financial Credit UnionCertificate of Deposit (7-Month Limited-Time Offer)CD · 7 months · $5,000 min

    Credit union · 13 branches

    4.60%APY$266 over 7 months on $10,000intro rate
  10. Top Carrot, Carrot Score 93
    Sunrise Family Credit UnionCertificate AccountCD · 13 months · $1,000 min

    Credit union · 3 branches

    4.59%APY$498 over 13 months on $10,000intro rate
  11. Top Carrot, Carrot Score 93
    People Driven Credit UnionCD SpecialCD · 9 months · $500 min

    Credit union · 5 branches

    4.55%APY$339 over 9 months on $10,000
  12. Top Carrot, Carrot Score 89
    Michigan Schools & Government Credit UnionCertificate of DepositCD · 15 months · $500 min

    Credit union · 24 branches

    4.55%APY$572 over 15 months on $10,000intro rate
  13. Mayville State BankCD SpecialsCD · 14 months · $1,000 min

    Bank · 2 branches

    4.51%APY$528 over 14 months on $10,000
  14. Top Carrot, Carrot Score 92
    Health Advantage Credit UnionPromotional CertificateCD · 9 months · $500 min

    Credit union · 2 branches

    4.50%APY$336 over 9 months on $10,000intro rate
  15. Top Carrot, Carrot Score 94
    Christian Financial Credit UnionCertificates of DepositCD · 12 months · $500 min

    Credit union · 12 branches

    4.50%APY$450 over 1 year 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 Michigan

1,917 CDs at 205 banks and credit unions · checked Oct 16–22

Typical
3.25%
Top 10% from
4.08%
Banks, typical
2.23%
Credit unions, typical
3.35%

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Michigan

Top Carrot institutions

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

  1. Settlers Federal Credit UnionCredit union · 2 branches
  2. Chief Financial Credit UnionCredit union · 4 branches
  3. Meijer Credit UnionCredit union · 3 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate