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 of 22 results in Michigan
- Alpena Alcona Area Credit Union10-Month CD SpecialCD · 10 months · $500 min
Credit union · 13 branches
4.75%APY$394 over 10 months on $10,000Requirements
Product: Rate is fixed for the term of the certificate. Interest period compounded and credited quarterly. Early withdrawal penalty will be imposed for withdrawals before maturity.
Offer: 10 Month term; interest compounded and credited quarterly; fixed rate; early withdrawal penalty applies
4.67% interest rate · Effective Nov 6, 2026
Rate checked
More details - Advantage One Credit UnionBetter Together 10-Month Certificate of DepositCD · 10 months · $1,000 min
Credit union · 2 branches
4.35%APY$361 over 10 months on $10,000with conditionsRequirements
Product: Limited-time offer available from November 1-30, 2026. Minimum opening deposit $1,000. Federally insured by NCUA. Early withdrawal penalties may apply. Membership eligibility required.
Offer: Relationship promotional rate: Requires having or opening an Advantage Checking account for an additional 0.25% APY bonus. Available November 1-30, 2026. Early withdrawal penalties may apply.
Qualified rate
Rate checked
More details - Advantage One Credit UnionBetter Together 10-Month Certificate of DepositCD · 10 months · $1,000 min
Credit union · 2 branches
4.10%APY$341 over 10 months on $10,000with conditionsRequirements
Product: Limited-time offer available from November 1-30, 2026. Minimum opening deposit $1,000. Federally insured by NCUA. Early withdrawal penalties may apply. Membership eligibility required.
Offer: Standard promotional rate. Available November 1-30, 2026. Early withdrawal penalties may apply.
Qualified rate
Rate checked
More details - Community West Credit UnionCertificate of DepositCD · 6–11 months · $500 min
Credit union · 5 branches
4.00%APYRequirements
Product: Penalty may be imposed for early withdrawal. Add-on CDs available.
Offer: Penalty may be imposed for early withdrawal.
3.94% interest rate · Effective Oct 30, 2026
Rate checked
More details - 4.00%APY$332 over 10 months on $10,000intro rate
Promotional rate · 3.93% interest rate
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More details - Marshall Community Credit Union10-Month Certificate SpecialCD · 10 months · $1,000 min · 3.95%–4.25% by balance
Credit union · 3 branches
3.95%APY$328 over 10 months on $10,000intro rateRequirements
Product: No new money requirement. Jumbo rates and tiered CD retention options do not apply. Automatically renews to a 12-month term upon maturity. Early withdrawal penalties apply. Rate depends on Member Rewards tier and balance tier.
Offer: Premier Member Rewards tier.
Promotional rate · 3.88% interest rate · Effective Aug 21, 2026
Rate by balance
Rate by balance for 10-Month Certificate Special Balance APY $1,000 – $24,999Your amount 3.95% $25,000 – $49,999 4.05% $50,000 – $124,999 4.15% $125,000 and up 4.25% Rate checked
More details - Marshall Community Credit Union10-Month Certificate SpecialCD · 10 months · $1,000 min · 3.85%–4.15% by balance
Credit union · 3 branches
3.85%APY$320 over 10 months on $10,000intro rateRequirements
Product: No new money requirement. Jumbo rates and tiered CD retention options do not apply. Automatically renews to a 12-month term upon maturity. Early withdrawal penalties apply. Rate depends on Member Rewards tier and balance tier.
Offer: Advantage Member Rewards tier.
Promotional rate · 3.78% interest rate · Effective Aug 21, 2026
Rate by balance
Rate by balance for 10-Month Certificate Special Balance APY $1,000 – $24,999Your amount 3.85% $25,000 – $49,999 3.95% $50,000 – $124,999 4.05% $125,000 and up 4.15% Rate checked
More details - 3.80%APY
Requirements
Product: Membership required. $500 minimum deposit. Early withdrawal penalty may apply. Automatically renews at current non-promotional rate upon maturity.
3.74% interest rate · Effective Oct 15, 2026
Rate checked
More details - Marshall Community Credit Union10-Month Certificate SpecialCD · 10 months · $1,000 min · 3.75%–4.05% by balance
Credit union · 3 branches
3.75%APY$312 over 10 months on $10,000intro rateRequirements
Product: No new money requirement. Jumbo rates and tiered CD retention options do not apply. Automatically renews to a 12-month term upon maturity. Early withdrawal penalties apply. Rate depends on Member Rewards tier and balance tier.
Offer: Loyal Member Rewards tier.
Promotional rate · 3.69% interest rate · Effective Aug 21, 2026
Rate by balance
Rate by balance for 10-Month Certificate Special Balance APY $1,000 – $24,999Your amount 3.75% $25,000 – $49,999 3.85% $50,000 – $124,999 3.95% $125,000 and up 4.05% Rate checked
More details - 3.65%APY
Requirements
Product: Fixed rate for the term of the certificate. Early withdrawal penalty may apply.
Effective Oct 1, 2026
Rate checked
More details - Marshall Community Credit Union10-Month Certificate SpecialCD · 10 months · $1,000 min · 3.60%–3.90% by balance
Credit union · 3 branches
3.60%APY$299 over 10 months on $10,000intro rateRequirements
Product: No new money requirement. Jumbo rates and tiered CD retention options do not apply. Automatically renews to a 12-month term upon maturity. Early withdrawal penalties apply. Rate depends on Member Rewards tier and balance tier.
Offer: Valued Member Rewards tier.
Promotional rate · 3.54% interest rate · Effective Aug 21, 2026
Rate by balance
Rate by balance for 10-Month Certificate Special Balance APY $1,000 – $24,999Your amount 3.60% $25,000 – $49,999 3.70% $50,000 – $124,999 3.80% $125,000 and up 3.90% Rate checked
More details - Dort Financial Credit UnionAMP Certificate of DepositCD · 3–12 months · $100 min
Credit union · 13 branches
3.50%APYRequirements
Product: AMP Term Share Certificates subject to penalty for early withdrawal.
Offer: Term: 3 Months – 1 Year.
3.45% interest rate
Rate checked
More details - 3.40%APYintro rate
Requirements
Product: One-time rate bump on 60 month term. Dividends are compounded and credited monthly. Penalty for early withdrawal.
Promotional rate · 3.35% interest rate
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More details - Lake Michigan Credit UnionCertificates of Deposit (CDs)CD · 10 months · $500 min
Credit union · 53 branches
3.40%APY$283 over 10 months on $10,000with conditionsRequirements
Product: Minimum opening balance of $500. $5 member savings balance required for membership. Rates subject to change. Early withdrawal penalty may apply.
Offer: Includes 0.25% MORE VIP Relationship Reward Bonus (400+ points).
Qualified rate · 3.35% interest rate · Effective Nov 6, 2026
Rate checked
More details - Lake Michigan Credit UnionCertificates of Deposit (CDs)CD · 10 months · $500 min
Credit union · 53 branches
3.15%APY$262 over 10 months on $10,000with conditionsRequirements
Product: Minimum opening balance of $500. $5 member savings balance required for membership. Rates subject to change. Early withdrawal penalty may apply.
Offer: Standard rate.
Qualified rate · 3.11% interest rate · Effective Nov 6, 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 10-month CDs pay in Michigan
23 CDs at 15 banks and credit unions · checked Oct 16–Nov 6
- Typical
- 3.50%
- Top 10% from
- 4.08%
- Banks, typical
- 1.15%
- Credit unions, typical
- 3.80%
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Michigan
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Settlers Federal Credit UnionCredit union · 2 branches
- Great Lakes First Federal Credit UnionCredit union · 2 branches
- Dow Credit UnionCredit union · 2 branches