Michigan CD Rates Today - Compare Best APYs for May 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Michigan CD rates include Diversified Members Credit UnionDiversified Members Credit Union1480 E Jefferson Ave, Detroit, MI 48207A+5.0 ★Texas Ratio: 5.57%Real return: +2.35%APY minus CPI (February 2026) offering Legacy Certificate of Deposit 12 Months at 5.15% APY, United Financial Credit UnionUnited Financial Credit Union6310 Dixie Hwy, Bridgeport, MI 48722A+5.0 ★Texas Ratio: 3.73%Real return: +2.25%APY minus CPI (February 2026) offering 6 month - 4H or FFA CD at 5.05% APY, OMNI Community Credit UnionOMNI Community Credit Union3141 Capital Ave SW, Battle Creek, MI 49015A+5.0 ★Texas Ratio: 3.58%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Youth Special Certificate at 5.00% APY, Best Financial Credit UnionBest Financial Credit Union1888 E Sherman Blvd, Muskegon, MI 49444 1822A+5.0 ★Texas Ratio: 3.56%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Super Kids at 5.00% APY, and Service 1 Federal Credit UnionService 1 Federal Credit Union1075 E Sherman Blvd, Norton Shores, MI 49444 1807A+5.0 ★Texas Ratio: 1.93%Real return: +1.95%APY minus CPI (February 2026) offering 6 months Share Certificates - 1 at 4.75% APY. CD rates as of May 12, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Michigan side-by-side. Michigan CD rates currently reach as high as 5.15% APY from Diversified Members Credit Union at 1480 E Jefferson Ave, Detroit, MI 48207. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: May 12, 2026
Compare Best CD Rates in Michigan
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
400 Town Center Dr, Dearborn, MI 48126
Business Share Certificates 3 month
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
400 Town Center Dr, Dearborn, MI 48126
Share Certificates 3 month
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
400 Town Center Dr, Dearborn, MI 48126
Business Share Certificates 3 month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
St Francis X Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
2140 M 119, Petoskey, MI 49770
3 Months CD & IRA CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$100,000+ balance
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
4635 44th St SE, Grand Rapids, MI 49512
90 Day Share Certificate
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Highpoint Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
435 Arlington St, Middleville, MI 49333
90 Day (3 Month)
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
St Francis X Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
2140 M 119, Petoskey, MI 49770
3 Months CD & IRA CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1100 S Bagley St, Alpena, MI 49707 8104
90 Day Certificate
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1100 S Bagley St, Alpena, MI 49707 8104
90 Day Youth Certificate
$100
3.29%
▼
Rate3.25%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3777 West Rd, East Lansing, MI 48823 8029
3-Month Certificate or IRA-HSA Jumbo
$100,000
3.15%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3777 West Rd, East Lansing, MI 48823 8029
3-Month Certificate or IRA-HSA
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
6246 Chase Rd, Dearborn, MI 48126
3 Month Cert / IRA
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
The Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
39139 Mound Rd, Sterling Heights, MI 48310 2737
3 Month Term Share Certificates
$500
2.50%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
9048 HOLLY RD, GRAND BLANC, MI 48439
3 Months Term Share Certificates
$0
2.50%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Lake-Osceola State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
790 Michigan Ave, Baldwin, MI 49304
90 Days CD
$5,000
2.27%
▼
Rate2.25%
Min Deposit$5,000
Min Balance—
UpdatedMay 5, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
2303 S Center Rd, Burton, MI 48519 1147
3-Month
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
2303 S Center Rd, Burton, MI 48519 1147
CD, Traditional IRA CD & Roth IRA CD Accounts 3-Month
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
2303 S Center Rd, Burton, MI 48519 1147
3-Month
$0
2.20%
▼
Rate2.18%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
615 W Maple Ave, Adrian, MI 49221 1630
3 MONTH CERTIFICATE
$3,000
2.02%
▼
Rate—
Min Deposit$3,000
Min Balance—
UpdatedMay 10, 2026
Details
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
125 W Saginaw St, Merrill, MI 48637
3 Month
$0
2.01%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
715 Terrace St, Muskegon, MI 49440
3 month Certificate of Deposit
$0
1.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
4550 Division St, Trenton, MI 48183
3 Month Tier 3 Certificate
$0
1.60%
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
4550 Division St, Trenton, MI 48183
3 Month Tier 2 Certificate
$0
1.55%
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
100 Galleria Officentre, Southfield, MI 48034
90 Days Share Certificates
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.15%
2055 Spring Arbor Rd, Jackson, MI 49203
Share Certificates 3 Months
$0
1.50%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
4550 Division St, Trenton, MI 48183
3 Month Tier 1 Certificate
$0
1.50%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
580 N Main St, Frankenmuth, MI 48734
CD-Certificate of Deposit 3 Months
$250,000
1.45%
▼
Rate1.44%
Min Deposit$250,000
Min Balance—
UpdatedMay 10, 2026
Details
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
580 N Main St, Frankenmuth, MI 48734
CD-Certificate of Deposit 3 Months
$150,000
1.40%
▼
Rate1.39%
Min Deposit$150,000
Min Balance—
UpdatedMay 10, 2026
Details
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
580 N Main St, Frankenmuth, MI 48734
CD-Certificate of Deposit 3 Months
$100,000
1.35%
▼
Rate1.34%
Min Deposit$100,000
Min Balance—
UpdatedMay 10, 2026
Details
BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
115 Riverside Dr, Battle Creek, MI 49015
3 Month Certificate
$50
1.10%
▼
Rate1.10%
Min Deposit$50
Min Balance—
UpdatedMay 10, 2026
Details
$50 Minimum Deposit
BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
115 Riverside Dr, Battle Creek, MI 49015
3 Month Certificates
$50
1.10%
▼
Rate1.10%
Min Deposit$50
Min Balance—
UpdatedMay 10, 2026
Details
$50 Minimum Deposit
Ignite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
755 Grand St, Allegan, MI 49010 8027
3 MONTH CERTIFICATE
$50
1.10%
▼
Rate—
Min Deposit$50
Min Balance—
UpdatedMay 12, 2026
Details
Northern Interstate Bank, N. A.
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
501 W Us Highway 2, Norway, MI 49870
3 Month CD
$1,000
1.10%
▼
Rate1.10%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
255 E Maple Rd, Troy, MI 48083
3 Months Share Certificate
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Traditional & Roth IRAs NOT available
One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
630 Howard St, Detroit, MI 48226
3 Month Certificate of Deposit & Term IRAs
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
520 HAYDEN ST, SAGINAW, MI 48607
Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit 3 Months
$0
1.00%
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Bloom Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
1414 Burton St SW, Wyoming, MI 49509
3 Months Certificates and IRA Certificates
$500
0.55%
▼
Rate0.55%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
1319 Front Ave NW, Grand Rapids, MI 49504
3 Month CD
$500
0.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
G. W. Jones Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
115 W Main St, Marcellus, MI 49067
31 - 90 Days
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
6180 State St, Saginaw, MI 48603
Youth 3 Month Share Certificate Account
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
6180 State St, Saginaw, MI 48603
Traditional and Roth IRA Share Certificates 3 Month
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Honor Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
8952 US Highway 31, Berrien Springs, MI 49103
3 months
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
6180 State St, Saginaw, MI 48603
3 Month Share Certificate Account
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Family First Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.34%
1011 N Michigan Ave, Saginaw, MI 48602 4326
Certificates of Deposit 3 Months
$500
0.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Family Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
4075 W Polk Rd, Hart, MI 49420 8177
Certificate of Deposit & IRA Certificate 3 Month
$500
0.50%
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.10%
718 E Michigan Ave, Jackson, MI 49201
Share Certificates 90 days
$500
0.35%
▼
Rate0.35%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
790 Joslyn Ave, Pontiac, MI 48340 2918
3 Month Term Share Certificates
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
790 Joslyn Ave, Pontiac, MI 48340 2918
IRA 3 Month Term Share Certificates
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Lake Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
801 River St, Ontonagon, MI 49953 1620
3 Month Certificate of Deposit
$500
0.15%
▼
Rate0.15%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Community Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
31155 Northwestern Hwy, Farmington Hills, MI 48334 2502
3-Month Certificate
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
6310 Dixie Hwy, Bridgeport, MI 48722
6 month - 4H or FFA CD
$0
5.05%
▼
Rate4.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Max $5,000
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
6310 Dixie Hwy, Bridgeport, MI 48722
6 month SmartStart Youth CD
$100
5.00%
▼
Rate4.88%
Min Deposit$100
Min Balance—
UpdatedMay 10, 2026
Details
Available for members under the age of 21; 1 per member
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
6310 Dixie Hwy, Bridgeport, MI 48722
6 Month Youth CD
$0
5.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1075 E Sherman Blvd, Norton Shores, MI 49444 1807
6 months Share Certificates - 1
$0
4.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
FEATURED RATE
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1075 E Sherman Blvd, Norton Shores, MI 49444 1807
Share Certificates - 1 6 months
$0
4.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
FEATURED RATE
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1075 E Sherman Blvd, Norton Shores, MI 49444 1807
Youth Certificates 1 6 months
$0
4.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
FEATURED RATE
PORT CITY
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
460 W Laketon Ave, Muskegon, MI 49441 2632
6 Months Certificate
$500
4.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Limited Time Special!
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
6 Months Certificate of Deposit
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
APY= Annual Percentage Yield. Effective 3/1/26: Annual Percentage Yield for for all CDs and IRA CDs includes a .25% bonus for Meijer Team members, Meijer retirees and current MCU members. Rate is subject to change without notice. Early withdraw penalties may apply, and may reduce earning.
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
IRA Certificate of Deposit 6 Months
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6000 28th St SE, Grand Rapids, MI 49546 6927
6 Month Share Certificate SPECIAL!
$2,500
4.06%
▼
Rate4.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
Quarterly Dividend Transfers, Non-Automatic Renewal, Simple Interest, Paid Quarterly! NEW MONEY ONLY!!!
Michigan Columbus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
30419 6 Mile Rd, Livonia, MI 48152 3460
6 Month CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6000 28th St SE, Grand Rapids, MI 49546 6927
6 month Share Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
30400 Telegraph Rd Ste 122, Bingham Farms, MI 48025
6 Month Certificate of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
30400 Telegraph Rd Ste 122, Bingham Farms, MI 48025
6 Month IRA Certificate of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1001 W Baraga Ave, Marquette, MI 49855
6 Months Certificates
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Wings Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
11200 Metro Airport Center Dr Ste 160, Romulus, MI 48174 5486
6-month certificate
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
New money only.
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1100 S Bagley St, Alpena, MI 49707 8104
180 Day Certificate
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1100 S Bagley St, Alpena, MI 49707 8104
180 Day Youth Certificate
$100
3.80%
▼
Rate3.75%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
11756 Charest St, Hamtramck, MI 48212
6 Month Certificate and IRA Certificates
$500
3.79%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
1381 N Bagley St, Alpena, MI 49707 8101
6 MONTH YOUTH CD
$100
3.79%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMay 10, 2026
Details
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
507 E Main St, Niles, MI 49120 2617
6 Month Term Share Certificates
$100
3.76%
▼
Rate3.70%
Min Deposit$100
Min Balance—
UpdatedMay 7, 2026
Details
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
525 W Willow St, Lansing, MI 48906 4745
6 Month Certificates & IRA Certificates of Deposit
$50,000
3.75%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details
GR Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
17010 Croswell St, West Olive, MI 49460 9748
6 month Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Maximum deposit of $250,000.00 per member.
Community Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
18925 Telegraph Rd, Brownstown, MI 48174 9546
6 Month Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
$1000 minimum deposit
Harborlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2151 Cogswell Dr, Whitehall, MI 49461
6 Month Certificates of Deposit
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
1319 Front Ave NW, Grand Rapids, MI 49504
6 Month CD Special
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
2900 W South Airport Rd, Traverse City, MI 49684 4611
6 Month Certificate of Deposit with Direct Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Direct Deposit Required
Members First Credit Union Midland, MI
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
600 W Wackerly St, Midland, MI 48640 4702
6 Months Certificates of Deposit and IRA Certificates of Deposit
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Bloom Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
1414 Burton St SW, Wyoming, MI 49509
Certificates and IRA Certificates 6 Month CD Special
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.15%
2055 Spring Arbor Rd, Jackson, MI 49203
Share Certificates 6 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
125 W Saginaw St, Merrill, MI 48637
6 Month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
576 E Lincoln St, Birmingham, MI 48009 1757
6 Month CD
$10,000
3.70%
▼
Rate3.65%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
576 E Lincoln St, Birmingham, MI 48009 1757
6 Month IRA CD
$4,000
3.70%
▼
Rate3.65%
Min Deposit$4,000
Min Balance—
UpdatedMay 10, 2026
Details
Bloom Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
1414 Burton St SW, Wyoming, MI 49509
6 Month CD Special Certificates and IRA Certificates
$500
3.69%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
6640 Bay Rd, Saginaw, MI 48604
Youth Certificates 6 Month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Must be 25 or younger; $2,000 maximum deposit; Deposits: $50 Increments; Up to 10 Youth CD's per youth account; APY will vary depending on the initial certificate deposit amount; There is a penalty for early withdrawal.
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
IRA Certificates 6 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
Regular Certificates 6 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
615 W Maple Ave, Adrian, MI 49221 1630
6 MONTH CERTIFICATE
$3,000
3.65%
▼
Rate—
Min Deposit$3,000
Min Balance—
UpdatedMay 10, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
576 E Lincoln St, Birmingham, MI 48009 1757
6 Month CD
$500
3.65%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
525 W Willow St, Lansing, MI 48906 4745
6 Month Certificates & IRA Certificates of Deposit
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Diversified Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
1480 E Jefferson Ave, Detroit, MI 48207
6 Month Certificates of Deposit-Regular & IRA
$200
3.60%
▼
Rate3.57%
Min Deposit$200
Min Balance—
UpdatedMay 10, 2026
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
34901 Woodward Ave, Birmingham, MI 48009
Agility 6-month CD
$1,000
3.56%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3777 West Rd, East Lansing, MI 48823 8029
6-Month Certificate or IRA-HSA Jumbo
$100,000
3.55%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
2900 W South Airport Rd, Traverse City, MI 49684 4611
6 Month Certificate of Deposit
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
9077 Charlotte Hwy, Portland, MI 48875
IRA Certificates 6 months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
6 Months Certificate of Deposit
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Highpoint Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
435 Arlington St, Middleville, MI 49333
182 Day (6 Month)
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
6180 State St, Saginaw, MI 48603
Youth 6 Month Share Certificate Account
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Auto Owners Associates Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
6101 Anacapri Blvd, Lansing, MI 48917
6 MONTH TERM SHARE Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
790 Joslyn Ave, Pontiac, MI 48340 2918
6 Month
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Diversified Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
1480 E Jefferson Ave, Detroit, MI 48207
12 Months Legacy CD
$5,000
5.15%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 10, 2026
Details
Diversified Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
1480 E Jefferson Ave, Detroit, MI 48207
Legacy Certificate of Deposit 12 Months
$0
5.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
12 Month Super Kids
$100
5.00%
▼
Rate4.91%
Min Deposit$100
Min Balance—
UpdatedMay 10, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
12 Month Super Kids Certificates of Deposit (CDs)
$100
5.00%
▼
Rate4.91%
Min Deposit$100
Min Balance—
UpdatedMay 10, 2026
Details
Early Withdrawal Penalty: 90 days interest
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3141 Capital Ave SW, Battle Creek, MI 49015
12 Month Youth Special Certificate
$0
5.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1075 E Sherman Blvd, Norton Shores, MI 49444 1807
Share Certificates - 1 12 months
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1075 E Sherman Blvd, Norton Shores, MI 49444 1807
Youth Certificates 1 12 months
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
People Driven Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
24333 Lahser Rd, Southfield, MI 48033 6041
1 Year Youth
$0
4.50%
▼
Rate4.43%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1075 E Sherman Blvd, Norton Shores, MI 49444 1807
12 months Share Certificates - 1
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
1381 N Bagley St, Alpena, MI 49707 8101
1 YEAR YOUTH CD
$100
4.34%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMay 10, 2026
Details
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
1381 N Bagley St, Alpena, MI 49707 8101
1 YEAR CERTIFICATE
$500
4.08%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Family Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
4075 W Polk Rd, Hart, MI 49420 8177
Certificate of Deposit & IRA Certificate 12 Month
$500
4.07%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
12 Month YOUTH Certificate of Deposit
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1100 S Bagley St, Alpena, MI 49707 8104
12 Month Certificate
$500
4.06%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1100 S Bagley St, Alpena, MI 49707 8104
12 Month Youth Certificate
$100
4.06%
▼
Rate4.00%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
715 Terrace St, Muskegon, MI 49440
12 month Certificate of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
G3381 Van Slyke Rd, Flint, MI 48507 3263
12 Month Youth CD Certificates
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
(No minimum)
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
715 N Telegraph Rd, Monroe, MI 48162 5130
12 Month Youth CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Youth CDs are available for members 18 years and under. Certificate must be opened under youth's name and SSN. The CD must have the same joint member as the savings account it is tied to.
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
2955 University Dr, Auburn Hills, MI 48326
NEW MONEY GenGrow 12-month CD
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Michigan Columbus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
30419 6 Mile Rd, Livonia, MI 48152 3460
12 Month CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1001 W Baraga Ave, Marquette, MI 49855
12 Months Certificates
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
34901 Woodward Ave, Birmingham, MI 48009
Agility 12-month CD
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
576 E Lincoln St, Birmingham, MI 48009 1757
1 Year CD
$10,000
3.96%
▼
Rate3.90%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
576 E Lincoln St, Birmingham, MI 48009 1757
1 Year IRA CD
$4,000
3.96%
▼
Rate3.90%
Min Deposit$4,000
Min Balance—
UpdatedMay 10, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
30400 Telegraph Rd Ste 122, Bingham Farms, MI 48025
12 Month Certificate of Deposit
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
30400 Telegraph Rd Ste 122, Bingham Farms, MI 48025
12 Month IRA Certificate of Deposit
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI 48381
1 Year
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
576 E Lincoln St, Birmingham, MI 48009 1757
1 Year CD
$500
3.91%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
12 Months Certificate of Deposit
$0
3.90%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
APY= Annual Percentage Yield. Effective 3/1/26: Annual Percentage Yield for for all CDs and IRA CDs includes a .25% bonus for Meijer Team members, Meijer retirees and current MCU members. Rate is subject to change without notice. Early withdraw penalties may apply, and may reduce earning.
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
IRA Certificate of Deposit 12 Months
$0
3.90%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3089 44th St SW, Grandville, MI 49418 2501
Youth(Explorer) CD: 12-month term
$0
3.85%
▼
Rate3.79%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
6180 State St, Saginaw, MI 48603
12 Month Youth Certificate
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
University of Michigan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
340 E Huron St, Ann Arbor, MI 48104
12 Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
University of Michigan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
340 E Huron St, Ann Arbor, MI 48104
12 Month Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
20252 Ecorse Rd, Taylor, MI 48180
1 year Jumbo Certificates
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
12 Months Certificate of Deposit
$0
3.77%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.29%
2889 E Maple Rd, Troy, MI 48083
IRA 1 Year Term Adjusted Quarterly
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
630 32nd St SE, Grand Rapids, MI 49548 2306
Save to Win CD 12 month
$25
3.75%
▼
Rate3.70%
Min Deposit$25
Min Balance—
UpdatedMay 10, 2026
Details
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.29%
2889 E Maple Rd, Troy, MI 48083
IRA 1 Year Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.29%
2889 E Maple Rd, Troy, MI 48083
1 Year Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rates may increase .2% when a member qualifies for our loyalty benefits. Ask us for more details.
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
11756 Charest St, Hamtramck, MI 48212
1 Year Certificate and IRA Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
PORT CITY
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
460 W Laketon Ave, Muskegon, MI 49441 2632
12 Months Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Diversified Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
1480 E Jefferson Ave, Detroit, MI 48207
Cap & Gown CD 12 Months
$200
3.75%
▼
Rate3.70%
Min Deposit$200
Min Balance—
UpdatedMay 10, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
2182 Lakeshore Dr, Muskegon, MI 49441 1414
12 Month CD
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Members First Credit Union Midland, MI
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
600 W Wackerly St, Midland, MI 48640 4702
12 Months Certificates of Deposit and IRA Certificates of Deposit
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Highpoint Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
435 Arlington St, Middleville, MI 49333
1 Year
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
630 32nd St SE, Grand Rapids, MI 49548 2306
12-Month CD
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
630 32nd St SE, Grand Rapids, MI 49548 2306
12 month CD
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI 48091 4073
Certificates 12 months
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI 48091 4073
12 months Certificates
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
37570 S Gratiot Ave, Clinton Township, MI 48036
18-Month Special! Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
At maturity, the CD will be renewed into a 24-month CD.
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
37570 S Gratiot Ave, Clinton Township, MI 48036
18-Month Special! Certificates of Deposit
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
At maturity, the CD will be renewed into a 24-month CD.
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
630 32nd St SE, Grand Rapids, MI 49548 2306
18 month CD
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
34901 Woodward Ave, Birmingham, MI 48009
Agility 18-month CD
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
576 E Lincoln St, Birmingham, MI 48009 1757
18 Month CD
$10,000
3.80%
▼
Rate3.75%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
576 E Lincoln St, Birmingham, MI 48009 1757
18 Month IRA CD
$4,000
3.80%
▼
Rate3.75%
Min Deposit$4,000
Min Balance—
UpdatedMay 10, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1100 S Bagley St, Alpena, MI 49707 8104
18 Month Certificate
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1100 S Bagley St, Alpena, MI 49707 8104
18 Month Youth Certificate
$100
3.80%
▼
Rate3.75%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
630 32nd St SE, Grand Rapids, MI 49548 2306
18-month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
576 E Lincoln St, Birmingham, MI 48009 1757
18 Month CD
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
715 Terrace St, Muskegon, MI 49440
18 month Certificate of Deposit
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
4411 Calkins Rd, Flint, MI 48532
18 Months Regular Business Certificate of Deposit
$2,500
3.75%
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1001 W Baraga Ave, Marquette, MI 49855
18 Months Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Dearborn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
22315 Michigan Ave, Dearborn, MI 48124
18 MONTH VARIABLE RATE IRA
$100
3.67%
▼
Rate3.61%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details
(The interest rate and APY may change after account opening)
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
18 Months Certificate of Deposit
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
30400 Telegraph Rd Ste 122, Bingham Farms, MI 48025
18 Month Certificate of Deposit
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
30400 Telegraph Rd Ste 122, Bingham Farms, MI 48025
18 Month IRA Certificate of Deposit
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
18 Months Term Certificates
$500
3.64%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
$500 and Above
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
IRA Certificates 18 months
$0
3.64%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$500 and Above
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
2404 S Linden Rd, Flint, MI 48532
1.5 year Share Certificates of Deposit
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
2404 S Linden Rd, Flint, MI 48532
IRA Share Certificates of Deposit 1.5 year
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
6246 Chase Rd, Dearborn, MI 48126
18 Month Heroes Cert / IRA
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
525 W Willow St, Lansing, MI 48906 4745
18 Month Certificates & IRA Certificates of Deposit
$50,000
3.60%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
615 W Maple Ave, Adrian, MI 49221 1630
18 MONTH CERTIFICATE
$3,000
3.55%
▼
Rate—
Min Deposit$3,000
Min Balance—
UpdatedMay 10, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
2182 Lakeshore Dr, Muskegon, MI 49441 1414
18 Month CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
2182 Lakeshore Dr, Muskegon, MI 49441 1414
18 MO IRA Certificate
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI 48091 4073
18 months Certificates
$0
3.54%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI 48091 4073
Certificates 18 months
$0
3.54%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
6246 Chase Rd, Dearborn, MI 48126
18 Month Cert / IRA
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.10%
718 E Michigan Ave, Jackson, MI 49201
Share Certificates 18 Months
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
6180 State St, Saginaw, MI 48603
18 Month Share Certificate Account
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
6180 State St, Saginaw, MI 48603
18 Month Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
520 HAYDEN ST, SAGINAW, MI 48607
Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit 18 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Family First Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.34%
1011 N Michigan Ave, Saginaw, MI 48602 4326
Certificates of Deposit 18 Months
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1075 E Sherman Blvd, Norton Shores, MI 49444 1807
18 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1075 E Sherman Blvd, Norton Shores, MI 49444 1807
Share Certificates 18 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
6180 State St, Saginaw, MI 48603
Traditional and Roth IRA Share Certificates 18 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
4866 Alpine Ave NW, Comstock Park, MI 49321 8579
18 Month CD VIP BONUS
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
4866 Alpine Ave NW, Comstock Park, MI 49321 8579
18 Month IRA/HSA CD VIP BONUS
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
525 W Willow St, Lansing, MI 48906 4745
18 Month Certificates & IRA Certificates of Deposit
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
790 Joslyn Ave, Pontiac, MI 48340 2918
18 Month
$500
3.45%
▼
Rate3.39%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
790 Joslyn Ave, Pontiac, MI 48340 2918
Special Share Certificates 18 Month
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Journey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
1200 Zeeb Dr, Saint Johns, MI 48879 1150
18 Month Share Certificates and IRA Certificates
$500
3.40%
▼
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Priority Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 25.91%
6000 28th St SE Ste 100, Grand Rapids, MI 49546 6927
18 Month CD
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3777 West Rd, East Lansing, MI 48823 8029
18 Month Certificate or IRA-HSA
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
7665 Merriman Rd, Romulus, MI 48174 1920
CD Tier I 18 Months
$500
3.35%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
minimum $500
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
7665 Merriman Rd, Romulus, MI 48174 1920
CD: Tier II 18 months
$0
3.35%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
minimum $10,000
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
7665 Merriman Rd, Romulus, MI 48174 1920
CD: Tier III 18 months
$0
3.35%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
minimum $50,000
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
125 W Saginaw St, Merrill, MI 48637
18 Month
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
508 State St, Fremont, MI 49412
18 Month Variable IRA Certificate
$1
3.30%
▼
Rate3.25%
Min Deposit$1
Min Balance—
UpdatedMay 6, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
8171 E 10 Mile Rd, Center Line, MI 48015 1449
24 Month Certificate
$0
4.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
715 N Telegraph Rd, Monroe, MI 48162 5130
24 Month Youth CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Youth CDs are available for members 18 years and under. Certificate must be opened under youth's name and SSN. The CD must have the same joint member as the savings account it is tied to.
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI 48381
2 Year
$500
3.81%
▼
Rate3.76%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
Jumbo and Jumbo IRA Certificates 2 Years
$100,000
3.80%
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
$100,000 and Above
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
9077 Charlotte Hwy, Portland, MI 48875
IRA Certificates 24 months
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
24 Months Certificate of Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
APY= Annual Percentage Yield. Effective 3/1/26: Annual Percentage Yield for for all CDs and IRA CDs includes a .25% bonus for Meijer Team members, Meijer retirees and current MCU members. Rate is subject to change without notice. Early withdraw penalties may apply, and may reduce earning.
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
715 N Telegraph Rd, Monroe, MI 48162 5130
24 Month IRA CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Certificates may be subject to penalty for early withdrawal.
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
508 State St, Fremont, MI 49412
24 Month Share Certificates and IRA Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
IRA Certificate of Deposit 24 Months
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
4411 Calkins Rd, Flint, MI 48532
24 Months Regular Business Certificate of Deposit
$2,500
3.75%
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1075 E Sherman Blvd, Norton Shores, MI 49444 1807
Youth Certificates 24 months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
IRA Certificates 2 Years
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$500 and Above
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
2 Years Term Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
$500 and Above
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1001 W Baraga Ave, Marquette, MI 49855
24 Months Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
715 N Telegraph Rd, Monroe, MI 48162 5130
Youth 24 Month CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Certificates may be subject to penalty for early withdrawal.
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
9077 Charlotte Hwy, Portland, MI 48875
24 months Certificate
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Soo-Co-Op Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
4489 I 75 Business Spur, Sault Sainte Marie, MI 49783
24 Month Term Certificates Compounding
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Soo-Co-Op Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
4489 I 75 Business Spur, Sault Sainte Marie, MI 49783
24 Month Term Certificates Non Compounding
$0
3.65%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Extra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
6611 Chicago Rd, Warren, MI 48092 1685
24 Months Fixed-Rate Certificates
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal. Contact your personal attorney or tax advisor for advice on your personal situation. For accounts that automatically renew for another term, you have a grace period of ten (10) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
24 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
IRA Certificates 24 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
65 W LAKETON AVE, MUSKEGON, MI 49441
IRA & SHARE CERTIFICATES 2 YEAR
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
576 E Lincoln St, Birmingham, MI 48009 1757
2 Year IRA CD
$4,000
3.60%
▼
Rate3.55%
Min Deposit$4,000
Min Balance—
UpdatedMay 10, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3777 West Rd, East Lansing, MI 48823 8029
2-Year Certificate or IRA-HSA Jumbo
$100,000
3.60%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
576 E Lincoln St, Birmingham, MI 48009 1757
2 Year CD
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
211 W Center St, Alma, MI 48801 2206
24 Months Timed Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
24 Months Certificate of Deposit
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
20252 Ecorse Rd, Taylor, MI 48180
2 year I.R.A Certificates
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
576 E Lincoln St, Birmingham, MI 48009 1757
2 Year CD
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
715 Terrace St, Muskegon, MI 49440
24 month Certificate of Deposit
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
615 W Maple Ave, Adrian, MI 49221 1630
24 MONTH CERTIFICATE
$3,000
3.55%
▼
Rate—
Min Deposit$3,000
Min Balance—
UpdatedMay 10, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
2665 Reserve Rd, Houghton Lake, MI 48629
24 MONTH CD
$50,000
3.55%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
525 W Willow St, Lansing, MI 48906 4745
24 Month Certificates & IRA Certificates of Deposit
$50,000
3.55%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
2900 W South Airport Rd, Traverse City, MI 49684 4611
24 Month Certificate of Deposit with Direct Deposit
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Direct Deposit Required
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
30400 Telegraph Rd Ste 122, Bingham Farms, MI 48025
24 Month IRA Certificate of Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
30400 Telegraph Rd Ste 122, Bingham Farms, MI 48025
24 Month Certificate of Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
IRA Certificates 24 Month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Early Withdrawal Penalty: 180 days interest
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
6180 State St, Saginaw, MI 48603
Traditional and Roth IRA Share Certificates 24 Month
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
24 Month Certificates of Deposit (CDs)
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Early Withdrawal Penalty: 180 days interest
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
24 Month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
6180 State St, Saginaw, MI 48603
24 Month Share Certificate Account
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Isabella Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
2400 S Isabella RD, MT Pleasant, MI 48858
24 months Certificates of Deposit & IRA Certificates
$10,000
3.50%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1075 E Sherman Blvd, Norton Shores, MI 49444 1807
Share Certificates 24 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
4866 Alpine Ave NW, Comstock Park, MI 49321 8579
24 Month CD VIP BONUS
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Members First Credit Union Midland, MI
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
600 W Wackerly St, Midland, MI 48640 4702
24 Months Certificates of Deposit and IRA Certificates of Deposit
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1075 E Sherman Blvd, Norton Shores, MI 49444 1807
24 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.10%
718 E Michigan Ave, Jackson, MI 49201
Share Certificates 2 Year
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.76%
1086 Creston St, Muskegon, MI 49442
24 MONTH GOLDEN CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.76%
1086 Creston St, Muskegon, MI 49442
24 MONTH GOLDEN CD Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
4866 Alpine Ave NW, Comstock Park, MI 49321 8579
24 Month IRA/HSA CD VIP BONUS
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
715 N Telegraph Rd, Monroe, MI 48162 5130
36 Month Youth CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Youth CDs are available for members 18 years and under. Certificate must be opened under youth's name and SSN. The CD must have the same joint member as the savings account it is tied to.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
Jumbo and Jumbo IRA Certificates 3 Years
$100,000
3.89%
▼
Rate3.83%
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
$100,000 and Above
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI 48381
3 Year
$0
3.88%
▼
Rate3.82%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
9077 Charlotte Hwy, Portland, MI 48875
IRA Certificates 36 months
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
3 Years Term Certificates
$500
3.83%
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
$500 and Above
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
IRA Certificates 3 Years
$0
3.83%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$500 and Above
Extra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
6611 Chicago Rd, Warren, MI 48092 1685
36 Months Fixed-Rate Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal. Contact your personal attorney or tax advisor for advice on your personal situation. For accounts that automatically renew for another term, you have a grace period of ten (10) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
508 State St, Fremont, MI 49412
36 Month Share Certificates and IRA Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
IRA Certificates 36 Month
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Early Withdrawal Penalty: 180 days interest
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
36 Month
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
36 Month Certificates of Deposit (CDs)
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Early Withdrawal Penalty: 180 days interest
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
9077 Charlotte Hwy, Portland, MI 48875
36 months Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
4411 Calkins Rd, Flint, MI 48532
36 Months Regular Business Certificate of Deposit
$2,500
3.75%
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1001 W Baraga Ave, Marquette, MI 49855
36 Months Certificates
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3777 West Rd, East Lansing, MI 48823 8029
3-Year Certificate or IRA-HSA Jumbo
$100,000
3.65%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
65 W LAKETON AVE, MUSKEGON, MI 49441
IRA & SHARE CERTIFICATES 3 YEAR
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
36 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
IRA Certificates 36 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
211 W Center St, Alma, MI 48801 2206
36 Months Timed Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
2665 Reserve Rd, Houghton Lake, MI 48629
36 MONTH CD
$50,000
3.60%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
415 Washington Ave, Bay City, MI 48708 5712
36 MONTH CERT-MTHLY
$500
3.56%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
20252 Ecorse Rd, Taylor, MI 48180
3 year I.R.A Certificates
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
36 Months Certificate of Deposit
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
615 W Maple Ave, Adrian, MI 49221 1630
36 MONTH CERTIFICATE
$3,000
3.55%
▼
Rate—
Min Deposit$3,000
Min Balance—
UpdatedMay 10, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
7665 Merriman Rd, Romulus, MI 48174 1920
CD: Tier V 36 months
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
minimum $250,000
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
2900 W South Airport Rd, Traverse City, MI 49684 4611
36 Month Certificate of Deposit with Direct Deposit
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Direct Deposit Required
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
715 Terrace St, Muskegon, MI 49440
36 month Certificate of Deposit
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Settlers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
14623 State Highway M28 E, Bruce Crossing, MI 49912 9296
36 Month Share Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
2404 S Linden Rd, Flint, MI 48532
IRA Share Certificates of Deposit 3 year
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
2404 S Linden Rd, Flint, MI 48532
3 year Share Certificates of Deposit
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
415 Washington Ave, Bay City, MI 48708 5712
36 MONTH CERT
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
525 W Willow St, Lansing, MI 48906 4745
36 Month Certificates & IRA Certificates of Deposit
$50,000
3.55%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
4866 Alpine Ave NW, Comstock Park, MI 49321 8579
36 Month IRA/HSA CD VIP BONUS
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
IRA Certificate of Deposit 36 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
36 Months Certificate of Deposit
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
APY= Annual Percentage Yield. Effective 3/1/26: Annual Percentage Yield for for all CDs and IRA CDs includes a .25% bonus for Meijer Team members, Meijer retirees and current MCU members. Rate is subject to change without notice. Early withdraw penalties may apply, and may reduce earning.
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
7665 Merriman Rd, Romulus, MI 48174 1920
CD: Tier II 36 months
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
minimum $10,000
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
7665 Merriman Rd, Romulus, MI 48174 1920
CD Tier I 36 Months
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
minimum $500
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1075 E Sherman Blvd, Norton Shores, MI 49444 1807
Share Certificates 36 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
2665 Reserve Rd, Houghton Lake, MI 48629
36 MONTH CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
4866 Alpine Ave NW, Comstock Park, MI 49321 8579
36 Month CD VIP BONUS
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Members First Credit Union Midland, MI
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
600 W Wackerly St, Midland, MI 48640 4702
36 Months Certificates of Deposit and IRA Certificates of Deposit
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1075 E Sherman Blvd, Norton Shores, MI 49444 1807
36 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3777 West Rd, East Lansing, MI 48823 8029
3-Year Certificate or IRA-HSA
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.76%
1086 Creston St, Muskegon, MI 49442
36 MO GOLDEN CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Isabella Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
2400 S Isabella RD, MT Pleasant, MI 48858
36 months Certificates of Deposit & IRA Certificates
$10,000
3.50%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.76%
1086 Creston St, Muskegon, MI 49442
36 MO GOLDEN CD Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
IRA Certificates 36 Month
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.10%
718 E Michigan Ave, Jackson, MI 49201
Share Certificates 3 Year
$500
3.45%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
525 W Willow St, Lansing, MI 48906 4745
36 Month Certificates & IRA Certificates of Deposit
$1,000
3.44%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Journey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
1200 Zeeb Dr, Saint Johns, MI 48879 1150
36 Month Share Certificates and IRA Certificates
$500
3.40%
▼
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3777 West Rd, East Lansing, MI 48823 8029
4-Year Certificate or IRA-HSA
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3777 West Rd, East Lansing, MI 48823 8029
4-Year Certificate or IRA-HSA Jumbo
$100,000
4.00%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
Jumbo and Jumbo IRA Certificates 4 Years
$100,000
3.96%
▼
Rate3.90%
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
$100,000 and Above
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI 48381
4 Year
$0
3.92%
▼
Rate3.86%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
4 Years Term Certificates
$500
3.91%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
$500 and Above
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
IRA Certificates 4 Years
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$500 and Above
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1001 W Baraga Ave, Marquette, MI 49855
48 Months Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
48 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
IRA Certificates 48 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
508 State St, Fremont, MI 49412
48 Month Share Certificates and IRA Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
65 W LAKETON AVE, MUSKEGON, MI 49441
IRA & SHARE CERTIFICATES 4 YEAR
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
7665 Merriman Rd, Romulus, MI 48174 1920
CD: Tier V 48 months
$0
3.70%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
minimum $250,000
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
211 W Center St, Alma, MI 48801 2206
48 Months Timed Certificate
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
2665 Reserve Rd, Houghton Lake, MI 48629
48 MONTH CD
$50,000
3.65%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
7665 Merriman Rd, Romulus, MI 48174 1920
CD Tier I 48 Months
$500
3.65%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
minimum $500
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
7665 Merriman Rd, Romulus, MI 48174 1920
CD: Tier II 48 months
$0
3.65%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
minimum $10,000
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
520 HAYDEN ST, SAGINAW, MI 48607
Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit 48 Months
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
IRA Certificates 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
2900 W South Airport Rd, Traverse City, MI 49684 4611
48 Month Certificate of Deposit with Direct Deposit
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Direct Deposit Required
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
2404 S Linden Rd, Flint, MI 48532
IRA Share Certificates of Deposit 4 year
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
2404 S Linden Rd, Flint, MI 48532
4 year Share Certificates of Deposit
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
525 W Willow St, Lansing, MI 48906 4745
48 Month Certificates & IRA Certificates of Deposit
$50,000
3.60%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
48 Months Certificate of Deposit
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
20252 Ecorse Rd, Taylor, MI 48180
4 year I.R.A Certificates
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.76%
1086 Creston St, Muskegon, MI 49442
48 MO GOLDEN CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.76%
1086 Creston St, Muskegon, MI 49442
48 MO GOLDEN CD Certificate
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Isabella Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
2400 S Isabella RD, MT Pleasant, MI 48858
48 months Certificates of Deposit & IRA Certificates
$10,000
3.55%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
2665 Reserve Rd, Houghton Lake, MI 48629
48 MONTH CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
4866 Alpine Ave NW, Comstock Park, MI 49321 8579
48 Month CD VIP BONUS
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
4866 Alpine Ave NW, Comstock Park, MI 49321 8579
48 Month IRA/HSA CD VIP BONUS
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
615 W Maple Ave, Adrian, MI 49221 1630
48 MONTH CERTIFICATE
$3,000
3.55%
▼
Rate—
Min Deposit$3,000
Min Balance—
UpdatedMay 10, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
715 Terrace St, Muskegon, MI 49440
48 month Certificate of Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
IRA Certificate of Deposit 48 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
IRA Certificates 48 Month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Early Withdrawal Penalty: 180 days interest
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
48 Months Certificate of Deposit
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
APY= Annual Percentage Yield. Effective 3/1/26: Annual Percentage Yield for for all CDs and IRA CDs includes a .25% bonus for Meijer Team members, Meijer retirees and current MCU members. Rate is subject to change without notice. Early withdraw penalties may apply, and may reduce earning.
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
48 Month Certificates of Deposit (CDs)
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Early Withdrawal Penalty: 180 days interest
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
48 Month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1075 E Sherman Blvd, Norton Shores, MI 49444 1807
Share Certificates 48 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Members First Credit Union Midland, MI
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
600 W Wackerly St, Midland, MI 48640 4702
48 Months Certificates of Deposit and IRA Certificates of Deposit
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1075 E Sherman Blvd, Norton Shores, MI 49444 1807
48 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
525 W Willow St, Lansing, MI 48906 4745
48 Month Certificates & IRA Certificates of Deposit
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.10%
718 E Michigan Ave, Jackson, MI 49201
Share Certificates 4 Year
$500
3.40%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
CASE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
4316 S Pennsylvania Ave, Lansing, MI 48910
4 Year TDA
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
$500 Minimum Balance
CASE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
4316 S Pennsylvania Ave, Lansing, MI 48910
IRA TDA 4 Year
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
$500 Minimum Balance
Journey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
1200 Zeeb Dr, Saint Johns, MI 48879 1150
48 Month Share Certificates and IRA Certificates
$500
3.40%
▼
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
2900 W South Airport Rd, Traverse City, MI 49684 4611
48 Month Certificate of Deposit
$500
3.39%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Isabella Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
2400 S Isabella RD, MT Pleasant, MI 48858
48 months Certificates of Deposit & IRA Certificates
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
100 Galleria Officentre, Southfield, MI 48034
48 Months Share Certificates
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
20252 Ecorse Rd, Taylor, MI 48180
4 year Jumbo Certificates
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
6230 Orchard Lake Rd, West Bloomfield, MI 48322
48 Month Certificates
$0
3.27%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
Jumbo and Jumbo IRA Certificates 5 Years
$100,000
4.11%
▼
Rate4.05%
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
$100,000 and Above
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
IRA Certificates 5 Years
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$500 and Above
Extra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
6611 Chicago Rd, Warren, MI 48092 1685
60 Months Fixed-Rate Certificates
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal. Contact your personal attorney or tax advisor for advice on your personal situation. For accounts that automatically renew for another term, you have a grace period of ten (10) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
5 Years Term Certificates
$500
4.06%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
$500 and Above
DOW
Institution Rating:
A+5.0 ★
600 E Lyon Rd, Midland, MI 48640 5396
3-60 Month Simple CDs
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI 48381
5 Year
$0
3.96%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
60 Month
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3089 44th St SW, Grandville, MI 49418 2501
60 Month CD
$0
3.85%
▼
Rate3.79%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
IRA Certificates 60 Month
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3777 West Rd, East Lansing, MI 48823 8029
5-Year Certificate or IRA-HSA Jumbo
$100,000
3.80%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
7665 Merriman Rd, Romulus, MI 48174 1920
CD: Tier III 60 months
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
minimum $50,000
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
508 State St, Fremont, MI 49412
60 Month Share Certificates and IRA Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1001 W Baraga Ave, Marquette, MI 49855
60 Months Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
7665 Merriman Rd, Romulus, MI 48174 1920
CD: Tier II 60 months
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
minimum $10,000
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
7665 Merriman Rd, Romulus, MI 48174 1920
CD Tier I 60 Months
$500
3.75%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
minimum $500
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
65 W LAKETON AVE, MUSKEGON, MI 49441
IRA & SHARE CERTIFICATES 5 YEAR
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
211 W Center St, Alma, MI 48801 2206
60 Months Timed Certificate
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
IRA Certificates 60 Month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1419 N 2nd St, Ishpeming, MI 49849 1149
60 month Share Certificates
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
2900 W South Airport Rd, Traverse City, MI 49684 4611
60 Month Certificate of Deposit with Direct Deposit
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Direct Deposit Required
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
2404 S Linden Rd, Flint, MI 48532
5 year Share Certificates of Deposit
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3777 West Rd, East Lansing, MI 48823 8029
5-Year Certificate or IRA-HSA
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
2665 Reserve Rd, Houghton Lake, MI 48629
60 MONTH CD
$50,000
3.65%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
2404 S Linden Rd, Flint, MI 48532
IRA Share Certificates of Deposit 5 year
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
525 W Willow St, Lansing, MI 48906 4745
60 Month Certificates & IRA Certificates of Deposit
$50,000
3.65%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
2404 S Linden Rd, Flint, MI 48532
1.5 year Share Certificates of Deposit
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Isabella Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
2400 S Isabella RD, MT Pleasant, MI 48858
60 months Certificates of Deposit & IRA Certificates
$10,000
3.60%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
4866 Alpine Ave NW, Comstock Park, MI 49321 8579
60 Month CD VIP BONUS
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
4866 Alpine Ave NW, Comstock Park, MI 49321 8579
60 Month IRA/HSA CD VIP BONUS
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
60 Months Certificate of Deposit
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
20252 Ecorse Rd, Taylor, MI 48180
5 year I.R.A Certificates
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.76%
1086 Creston St, Muskegon, MI 49442
60 MO GOLDEN CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.76%
1086 Creston St, Muskegon, MI 49442
60 MO GOLDEN CD Certificate
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
2665 Reserve Rd, Houghton Lake, MI 48629
60 MONTH CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Members First Credit Union Midland, MI
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
600 W Wackerly St, Midland, MI 48640 4702
60 Months Certificates of Deposit and IRA Certificates of Deposit
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
615 W Maple Ave, Adrian, MI 49221 1630
60 MONTH CERTIFICATE
$3,000
3.55%
▼
Rate—
Min Deposit$3,000
Min Balance—
UpdatedMay 10, 2026
Details
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
525 W Willow St, Lansing, MI 48906 4745
60 Month Certificates & IRA Certificates of Deposit
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
6230 Orchard Lake Rd, West Bloomfield, MI 48322
60 Month Certificates
$0
3.54%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
6230 Orchard Lake Rd, West Bloomfield, MI 48322
IRA Certificates 60 Month
$0
3.54%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
60 Months
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
520 HAYDEN ST, SAGINAW, MI 48607
Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit 60 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
IRA Certificate of Deposit 60 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
IRA Certificates 60 Month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Early Withdrawal Penalty: 180 days interest
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
60 Months Certificate of Deposit
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
APY= Annual Percentage Yield. Effective 3/1/26: Annual Percentage Yield for for all CDs and IRA CDs includes a .25% bonus for Meijer Team members, Meijer retirees and current MCU members. Rate is subject to change without notice. Early withdraw penalties may apply, and may reduce earning.
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
715 Terrace St, Muskegon, MI 49440
60 month Certificate of Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
60 Months Certificates of Deposit (CDs)
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Early Withdrawal Penalty: 180 days interest
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
1075 E Sherman Blvd, Norton Shores, MI 49444 1807
Share Certificates - 1 60 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
2182 Lakeshore Dr, Muskegon, MI 49441 1414
60 MO IRA Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Dearborn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
22315 Michigan Ave, Dearborn, MI 48124
5 YEARS Certificates of Deposit
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Dearborn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
22315 Michigan Ave, Dearborn, MI 48124
5 YEAR IRA
$250
3.50%
▼
Rate3.50%
Min Deposit$250
Min Balance—
UpdatedMay 5, 2026
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Key Takeaways
What to know about CD rates in Michigan at a glance.
- APY tells you the real return. Annual Percentage Yield includes the effect of compounding, while a nominal interest rate doesn't — always compare CDs by APY, not the headline rate.
- Michigan CD rates currently reach as high as 5.15% APY from Diversified Members Credit Union. The rate table above ranks every offer we track for Michigan, sorted by APY.
- Credit unions often post the highest APYs. Their not-for-profit structure and lower overhead let them pass more yield through to depositors than traditional banks, so it's worth comparing offers from both when shopping for the best rate.
- CDs are insured up to $250,000 per depositor, per institution, per ownership category — by the FDIC for banks, the NCUA for credit unions. Watch for early-withdrawal penalties, which typically run 30 to 180 days of interest depending on the term, so only commit funds you won't need before maturity.
Michigan CD Rate Trends
Compare local Michigan CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — MI Avg
2.846%
▼ 0.008 vs 7 days ago
Michigan 12-month CD rates fell 0.008 points over the past 7 days to 2.846% APY.
6-Month CD — MI Avg
2.781%
▼ 0.051 vs 7 days ago
Michigan 6-month CD rates fell 0.051 points over the past 7 days to 2.781% APY.
As of May 14, 2026 • Rate data sourced from 8,500+ monitored institutions
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MI CD Rate Forecast — Next 12 Months
Where are Michigan CD rates headed through May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MI 12-Month Avg APY
2.846%
6-Month Forecast
2.846%
Range: 2.65% – 3.00%
12-Month Forecast
2.596%
Range: 2.40% – 2.75%
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What Your Savings Earn at MI CD Rates Today
Annual interest earnings at today’s Michigan average APYs. State average used where available; national average as fallback.
| CD Term | MI Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.134% | $106.68 | $213.35 | $533.38 | $1,066.75 |
| 6-Month CD | 2.781% | $139.04 | $278.08 | $695.20 | $1,390.40 |
| 12-Month CD | 2.846% | $142.29 | $284.57 | $711.43 | $1,422.85 |
| 18-Month CD | 2.746% | $137.32 | $274.63 | $686.58 | $1,373.15 |
| 24-Month CD | 2.762% | $138.09 | $276.17 | $690.43 | $1,380.85 |
| 36-Month CD | 2.759% | $137.93 | $275.86 | $689.65 | $1,379.30 |
| 48-Month CD | 2.832% | $141.58 | $283.16 | $707.90 | $1,415.80 |
| 60-Month CD | 2.962% | $148.10 | $296.19 | $740.48 | $1,480.95 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 12, 2026. | |||||
Sample CD Ladder for Michigan Savers
$25,000 split equally across 5 terms using today’s Michigan average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | MI Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.134% | $106.68 |
| 2 | 6-Month CD | $5,000 | 2.781% | $139.04 |
| 3 | 12-Month CD | $5,000 | 2.846% | $142.29 |
| 4 | 24-Month CD | $5,000 | 2.762% | $138.09 |
| 5 | 36-Month CD | $5,000 | 2.759% | $137.93 |
| Total ($25,000 invested) | $25,000 | 2.656% blended | $664.03/yr | |
Ladder example uses equal $5,000 rungs and Michigan average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,153
CD Rates
Tracked in Michigan
Tracked in Michigan
15 Banks
111 Credit Unions
About Our Michigan CD Rate Database
MonitorBankRates tracks 1,153 CD rates from 15 banks and 111 credit unions with locations in Michigan, plus national online institutions available to Michigan residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Diversified Members Credit Union offers a CD at 5.15% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Michigan.
How to Find the Best CD Rates in Michigan
What to compare when shopping for a CD in Michigan
To find the best APYs in Michigan, start with credit unions and online-only banks — Michigan has 111 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Michigan
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Michigan — 126 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Michigan savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Michigan money market rates
Michigan Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
18.6%
National avg: 17.3%
Median Individual Earnings
$42,935
National avg: $47,340
Poverty Rate
13.2%
National avg: 11.1%
Unemployment Rate
5.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$122/yr
At MI 12-mo avg 2.846% APY
18.6% of residents are 65 or older, in line with the national average of 17.3%. At today’s MI 12-month CD average of 2.846%, saving 10% of the local median salary ($4,293/year) and putting it in a CD would earn an additional $122 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Michigan
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Michigan
Are CD rates in Michigan FDIC insured?
Yes, most established banks in Michigan are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Michigan?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Michigan.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty — typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit — traditionally $100,000 or more. In exchange, banks in Michigan may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates — for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Michigan?
Here are recent top rates found for this area:
- Diversified Members Credit Union: 5.15% APY (Legacy Certificate of Deposit 12 Months)
- United Financial Credit Union: 5.05% APY (6 month - 4H or FFA CD)
- OMNI Community Credit Union: 5.00% APY (12 Month Youth Special Certificate)
- Best Financial Credit Union: 5.00% APY (12 Month Super Kids)
- Service 1 Federal Credit Union: 4.75% APY (Youth Certificates 1 6 months)
- People Driven Credit Union: 4.50% APY (1 Year Youth)
- Wolverine State Credit Union: 4.34% APY (1 YEAR YOUTH CD)
- PORT CITY: 4.25% APY (6 Months Certificate)
- Christian Financial Credit Union: 4.20% APY (24 Month Certificate)
- Genisys Credit Union: 4.11% APY (Jumbo and Jumbo IRA Certificates 5 Years)
Rates reflect recent verified offers available in Michigan. Last Updated: May 12, 2026
CD Calculators for Michigan
Michigan CD Calculator
At today’s MI top rate of 5.15% APY, a $10,000 deposit earns $515 in the first year. Enter your amount to see your exact return.
Michigan CD LadderMI CD rates currently range from 2.134% (3-month) to 2.759% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Michigan CD at 5.15% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsMichigan’s average 12-month CD is 2.846% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Michigan directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Michigan. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in MI.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: May 12, 2026
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