Michigan CD Rates Today - Compare Best APYs for June 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 United Financial Credit UnionUnited Financial Credit Union6310 Dixie Hwy, Bridgeport, MI 48722A+5.0 ★Texas Ratio: 3.57%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: 3.29%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Youth Special at 5.00% APY, Best Financial Credit UnionBest Financial Credit Union1888 E Sherman Blvd, Muskegon, MI 49444 1822A+5.0 ★Texas Ratio: 3.41%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Super Kids at 5.00% APY, People Driven Credit UnionPeople Driven Credit Union24333 Lahser Rd, Southfield, MI 48033 6041A+5.0 ★Texas Ratio: 4.69%Real return: +1.70%APY minus CPI (February 2026) offering 1 Year Youth at 4.50% APY, and Gerber Federal Credit UnionGerber Federal Credit Union508 State St, Fremont, MI 49412A+5.0 ★Texas Ratio: 3.31%Real return: +1.70%APY minus CPI (February 2026) offering Share Certificates and IRA Certificates - 48 Month at 4.50% APY. CD rates as of June 23, 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 5.05% APY from United Financial Credit Union at 6310 Dixie Hwy, Bridgeport, MI 48722. 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: June 23, 2026
Compare Best CD Rates in Michigan
Michigan 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
600 E Lyon Rd, Midland, MI 48640 5396
Simple CDs 3 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
West Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
201 W Loomis St, Ludington, MI 49431
3 Month
$0
3.90%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
400 Town Center Dr, Dearborn, MI 48126
Business Share Certificates 3 month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
400 Town Center Dr, Dearborn, MI 48126
Share Certificates 3 month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
3 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
241 E Saginaw St, East Lansing, MI 48823
3 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Technical Center, Saline, MI 48176
3-Month Share Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
4635 44th St SE, Grand Rapids, MI 49512
90 Day
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 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—
UpdatedJun 16, 2026
Details
Comerica
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
135 E Main St, Manchester, MI 48158
90-day fixed-rate CD
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
1100 S Bagley St, Alpena, MI 49707 8104
90 Day
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
1100 S Bagley St, Alpena, MI 49707 8104
90 Day Youth
$100
3.29%
▼
Rate3.25%
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
3-Month Certificate or IRA-HSA Jumbo
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
West Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
201 W Loomis St, Ludington, MI 49431
3 Months
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
3-Month Certificate or IRA-HSA
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
6246 Chase Rd, Dearborn, MI 48126
3 Month Cert / IRA
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
90 Day
$0
2.63%
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
The Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
39139 Mound Rd, Sterling Heights, MI 48310 2737
3 Month
$500
2.50%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
The Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
39139 Mound Rd, Sterling Heights, MI 48310 2737
Term Share Certificates 3 Month
$500
2.50%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
90 Day
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Lake-Osceola State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
790 Michigan Ave, Baldwin, MI 49304
90 Days
$5,000
2.27%
▼
Rate2.25%
Min Deposit$5,000
Min Balance—
UpdatedJun 16, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
2303 S Center Rd, Burton, MI 48519 1147
3-Month Certificate
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
90 Day
$0
2.22%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
90 Day Certificate of Deposit
$0
2.17%
▼
Rate2.15%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
2303 S Center Rd, Burton, MI 48519 1147
3-Month Certificate
$0
2.15%
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
2303 S Center Rd, Burton, MI 48519 1147
3-Month Certificate
$0
2.10%
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
90 Day
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
615 W Maple Ave, Adrian, MI 49221 1630
3 MONTH CERTIFICATE
$0
2.02%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 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—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
90 Day Certificate of Deposit
$0
1.97%
▼
Rate1.95%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
90 Day Certificate of Deposit
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4550 Division St, Trenton, MI 48183
3 Month Tier 3
$0
1.60%
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4550 Division St, Trenton, MI 48183
3 Month Tier 2
$0
1.55%
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
958 W Monroe St, Jackson, MI 49202 2036
CD Gold 3 Month
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
958 W Monroe St, Jackson, MI 49202 2036
IRA 3 Month
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
958 W Monroe St, Jackson, MI 49202 2036
IRA CD Gold 3 Month
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4550 Division St, Trenton, MI 48183
3 Month Tier 1
$0
1.50%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
580 N Main St, Frankenmuth, MI 48734
3 Months
$0
1.45%
▼
Rate1.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
580 N Main St, Frankenmuth, MI 48734
3 Months
$0
1.40%
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
580 N Main St, Frankenmuth, MI 48734
3 Months
$0
1.35%
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
580 N Main St, Frankenmuth, MI 48734
3 Months
$0
1.30%
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
808 E Front St, Buchanan, MI 49107 1444
3 Months
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
APY with Bonus Rate: 1.35%. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.
BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
115 Riverside Dr, Battle Creek, MI 49015
3 Month
$50
1.10%
▼
Rate1.10%
Min Deposit$50
Min Balance—
UpdatedJun 16, 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—
UpdatedJun 16, 2026
Details
One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.77%
630 Howard St, Detroit, MI 48226
3 Month
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Interest Paid: Maturity
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
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—
UpdatedJun 16, 2026
Details
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1319 Front Ave NW, Grand Rapids, MI 49504
3 Month CD
$500
0.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Family Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4075 W Polk Rd, Hart, MI 49420 8177
3 Month
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Honor Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.50%
8952 US Highway 31, Berrien Springs, MI 49103
3 months
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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—
UpdatedJun 23, 2026
Details
Michigan 6 Month CD Rates
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: 3.57%
6310 Dixie Hwy, Bridgeport, MI 48722
6 month - 4H or FFA CD
$0
5.05%
▼
Rate4.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Max $5,000
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
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—
UpdatedJun 16, 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—
UpdatedJun 23, 2026
Details
NEW MONEY ONLY!!! *APY - Annual Percentage Yield. Rates are accurate as of 01/01/2026 and are subject to change without notice
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1075 E Sherman Blvd, Norton Shores, MI 49444 1807
Youth Certificates 6 months
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
FEATURED RATE
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
30400 Telegraph Rd Ste 122, Bingham Farms, MI 48025
6 Month Certificate of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
30400 Telegraph Rd Ste 122, Bingham Farms, MI 48025
6 Month IRA Certificate of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
400 Town Center Dr, Dearborn, MI 48126
Business Share Certificates 6 month
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
400 Town Center Dr, Dearborn, MI 48126
Share Certificates 6 month
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 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—
UpdatedJun 23, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
Rising Rate Certificate of Deposit - Third 6-month Term
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
600 E Lyon Rd, Midland, MI 48640 5396
Simple CDs 6 Months
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
Safe Harbor Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
5511 W US Highway 10, Ludington, MI 49431 2455
6 Month High Yield
$1,000
3.90%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
241 E Saginaw St, East Lansing, MI 48823
6 Month
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
1100 S Bagley St, Alpena, MI 49707 8104
180 Day
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
1100 S Bagley St, Alpena, MI 49707 8104
180 Day Youth
$100
3.80%
▼
Rate3.75%
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details
West Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
201 W Loomis St, Ludington, MI 49431
6 Month
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.84%
1381 N Bagley St, Alpena, MI 49707 8101
6 MONTH YOUTH CD
$100
3.79%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
11756 Charest St, Hamtramck, MI 48212
6 Month
$0
3.79%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Harborlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
2151 Cogswell Dr, Whitehall, MI 49461
6 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1319 Front Ave NW, Grand Rapids, MI 49504
6 Month CD Special
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
20252 Ecorse Rd, Taylor, MI 48180
6 month
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Youth Certificates ($200 min. $1000 max). Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply
Bloom Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
1414 Burton St SW, Wyoming, MI 49509
6 month term
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Limited time offer. Rates subject to change. A penalty may be imposed for early withdrawal. $5.00 Savings Account required. Offer available for a limited time. Fees could reduce earnings. Jumbo CD ($100,000 plus) rate bumps available, though not on CD Specials. Corresponding 3.69% APR.
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
400 Town Center Dr, Dearborn, MI 48126
Share Certificates 6 month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
GR Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
17010 Croswell St, West Olive, MI 49460 9748
6 month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
400 Town Center Dr, Dearborn, MI 48126
Business Share Certificates 6 month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Bloom Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
1414 Burton St SW, Wyoming, MI 49509
6 Month CD Special
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
PORT CITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
460 W Laketon Ave, Muskegon, MI 49441 2632
6 Months
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 11, 2026
Details
Community Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
18925 Telegraph Rd, Brownstown, MI 48174 9546
6 Month Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 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—
UpdatedJun 16, 2026
Details
Bloom Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
1414 Burton St SW, Wyoming, MI 49509
6 Month CD Special
$0
3.69%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
Rising Rate Certificate of Deposit - Second 6-month Term
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
6640 Bay Rd, Saginaw, MI 48604
Youth Certificate 6 Month
$50
3.66%
▼
Rate3.60%
Min Deposit$50
Min Balance—
UpdatedJun 16, 2026
Details
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 Certificate 6 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
Regular Certificate 6 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
615 W Maple Ave, Adrian, MI 49221 1630
6 MONTH CERTIFICATE
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Diversified Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
1480 E Jefferson Ave, Detroit, MI 48207
Certificates of Deposit-Regular & IRA 6 Month
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Diversified Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
1480 E Jefferson Ave, Detroit, MI 48207
6 Month
$0
3.60%
▼
Rate3.57%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
34901 Woodward Ave, Birmingham, MI 48009
6-month CD
$1,000
3.56%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
4Front Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.23%
3745 N US Highway 31 S, Traverse City, MI 49684 4442
6 Mo.
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
4Front Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.23%
3745 N US Highway 31 S, Traverse City, MI 49684 4442
Regular, Traditional & Roth IRA 6 Mo.
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
20252 Ecorse Rd, Taylor, MI 48180
6 month
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Jumbo Certificates ($25,000 min.). Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
6-Month Certificate or IRA-HSA Jumbo
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Baraga County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
101 E Broad St, Lanse, MI 49946 1013
Share Certificates 6 months
$1,000
3.53%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
Fees may reduce earnings
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
6 Months Certificate
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Certificate rates remain fixed for the term of the certificate.
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—
UpdatedJun 16, 2026
Details
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
520 HAYDEN ST, SAGINAW, MI 48607
Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit - 6 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
2182 Lakeshore Dr, Muskegon, MI 49441 1414
6 Month CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
2182 Lakeshore Dr, Muskegon, MI 49441 1414
6 MO IRA Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
1419 N 2nd St, Ishpeming, MI 49849 1149
6 Month Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
790 Joslyn Ave, Pontiac, MI 48340 2918
6 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Michigan 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
12 Month Super Kids
$100
5.00%
▼
Rate4.91%
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 90 days interest
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
3141 Capital Ave SW, Battle Creek, MI 49015
12 Month Youth Special
$0
5.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Youth Special
People Driven Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
24333 Lahser Rd, Southfield, MI 48033 6041
1 Year Youth
$0
4.50%
▼
Rate4.43%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.84%
1381 N Bagley St, Alpena, MI 49707 8101
1 YEAR YOUTH CD
$100
4.34%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.84%
1381 N Bagley St, Alpena, MI 49707 8101
1 YEAR CERTIFICATE
$500
4.08%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
1100 S Bagley St, Alpena, MI 49707 8104
12 Month
$500
4.06%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
1100 S Bagley St, Alpena, MI 49707 8104
12 Month Youth
$100
4.06%
▼
Rate4.00%
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
12 Month YOUTH Certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Certificate rates remain fixed for the term of the certificate.
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
34901 Woodward Ave, Birmingham, MI 48009
12-month CD
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Family Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4075 W Polk Rd, Hart, MI 49420 8177
12 Month
$0
4.00%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
715 N Telegraph Rd, Monroe, MI 48162 5130
12 Month Youth CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 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.
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
20252 Ecorse Rd, Taylor, MI 48180
1 year
$0
4.00%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Youth Certificates ($200 min. $1000 max). Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
30400 Telegraph Rd Ste 122, Bingham Farms, MI 48025
12 Month IRA Certificate of Deposit
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
241 E Saginaw St, East Lansing, MI 48823
12 Month
$0
3.95%
▼
Rate3.89%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
30400 Telegraph Rd Ste 122, Bingham Farms, MI 48025
12 Month Certificate of Deposit
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI 48381
1 Year CD
$500
3.91%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
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—
UpdatedJun 16, 2026
Details
University of Michigan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.61%
340 E Huron St, Ann Arbor, MI 48104
12 Month Certificate
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
20252 Ecorse Rd, Taylor, MI 48180
1 year
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Jumbo Certificates ($25,000 min.). Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
12 Months Certificate
$0
3.77%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Certificate rates remain fixed for the term of the certificate.
Diversified Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
1480 E Jefferson Ave, Detroit, MI 48207
Cap & Gown CD 12 Months
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
2182 Lakeshore Dr, Muskegon, MI 49441 1414
12 Month CD
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
2182 Lakeshore Dr, Muskegon, MI 49441 1414
12 MO IRA Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
11756 Charest St, Hamtramck, MI 48212
1 Year
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
600 E Lyon Rd, Midland, MI 48640 5396
Simple CDs 12 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.08%
2889 E Maple Rd, Troy, MI 48083
1 Year
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
APY as high as 3.950%. Rates may increase .2% when a member qualifies for our loyalty benefits. Ask us for more details.
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
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—
UpdatedJun 16, 2026
Details
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.08%
2889 E Maple Rd, Troy, MI 48083
IRA 1 Year Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
APY as high as: 3.750%
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—
UpdatedJun 16, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1075 E Sherman Blvd, Norton Shores, MI 49444 1807
Youth Certificates 12 months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Highpoint Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
435 Arlington St, Middleville, MI 49333
12-Month CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.08%
2889 E Maple Rd, Troy, MI 48083
IRA 1 Year Term Adjusted Quarterly
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
APY as high as: 3.800%
University of Michigan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.61%
340 E Huron St, Ann Arbor, MI 48104
12 Month Certificate
$0
3.74%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
4411 Calkins Rd, Flint, MI 48532
12 Months Regular
$2,500
3.73%
▼
Rate3.73%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
Interest paid monthly; Interest paid quarterly; APY (Interest paid & compounded quarterly): 3.78%
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
6640 Bay Rd, Saginaw, MI 48604
Youth Certificate 12 Month
$50
3.71%
▼
Rate3.65%
Min Deposit$50
Min Balance—
UpdatedJun 16, 2026
Details
APY will vary depending on the initial certificate deposit amount. There is a penalty for early withdrawal.
Safe Harbor Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
5511 W US Highway 10, Ludington, MI 49431 2455
1 Year IRA High Yield JUMBO
$25,000
3.70%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedJun 16, 2026
Details
IRA
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
790 Joslyn Ave, Pontiac, MI 48340 2918
12 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Safe Harbor Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
5511 W US Highway 10, Ludington, MI 49431 2455
1 Year IRA High Yield
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
IRA
Safe Harbor Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
5511 W US Highway 10, Ludington, MI 49431 2455
12 Month High Yield
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Safe Harbor Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
5511 W US Highway 10, Ludington, MI 49431 2455
1 Year Roth IRA High YLD
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Roth IRA
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
125 W Saginaw St, Merrill, MI 48637
12 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
520 HAYDEN ST, SAGINAW, MI 48607
Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit - 12 Months
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
20252 Ecorse Rd, Taylor, MI 48180
1 year
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
65 W LAKETON AVE, MUSKEGON, MI 49441
IRA & SHARE CERTIFICATES 1 YEAR
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
7665 Merriman Rd, Romulus, MI 48174 1920
Save to Win CD 12-Months
$25
3.55%
▼
Rate3.50%
Min Deposit$25
Min Balance—
UpdatedJun 16, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
615 W Maple Ave, Adrian, MI 49221 1630
12 MONTH CERTIFICATE
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Soo-Co-Op Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
4489 I 75 Business Spur, Sault Sainte Marie, MI 49783
12 Month
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
Regular Certificate 12 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
IRA Certificate 12 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
1-Year Add-On Certificate or IRA-HSA Jumbo
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
34901 Woodward Ave, Birmingham, MI 48009
18-month CD
$1,000
4.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Featured rate
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
37570 S Gratiot Ave, Clinton Township, MI 48036
18-Month Special
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
At maturity, the CD will be renewed into a 24-month CD.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Technical Center, Saline, MI 48176
18-Month Variable
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
241 E Saginaw St, East Lansing, MI 48823
18 Month
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
1100 S Bagley St, Alpena, MI 49707 8104
18 Month
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
1100 S Bagley St, Alpena, MI 49707 8104
18 Month Youth
$100
3.80%
▼
Rate3.75%
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
4411 Calkins Rd, Flint, MI 48532
18 Months Regular
$2,500
3.75%
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
Interest paid monthly; Interest paid quarterly; APY (Interest paid & compounded quarterly): 3.80%
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
18 Months Certificate
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Certificate rates remain fixed for the term of the certificate.
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
18 Month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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
3.66%
▼
Rate3.60%
Min Deposit$100
Min Balance—
UpdatedJun 23, 2026
Details
The interest rate and APY may change after account opening
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
600 E Lyon Rd, Midland, MI 48640 5396
Simple CDs 18 Months
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
30400 Telegraph Rd Ste 122, Bingham Farms, MI 48025
18 Month IRA Certificate of Deposit
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
30400 Telegraph Rd Ste 122, Bingham Farms, MI 48025
18 Month Certificate of Deposit
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
18 Months
$0
3.64%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Penalty for early withdrawal.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
IRA Certificate 18 months
$0
3.64%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Penalty for early withdrawal.
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
6246 Chase Rd, Dearborn, MI 48126
18 Month Heroes Cert / IRA
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividends Paid: Monthly. Penalties: 180 days*
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
615 W Maple Ave, Adrian, MI 49221 1630
18 MONTH CERTIFICATE
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
2182 Lakeshore Dr, Muskegon, MI 49441 1414
18 MO IRA Certificate
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
2182 Lakeshore Dr, Muskegon, MI 49441 1414
18 Month CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
400 Town Center Dr, Dearborn, MI 48126
Share Certificates 18 month
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
718 E Michigan Ave, Jackson, MI 49201
Share Certificate 18 Months
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
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—
UpdatedJun 16, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
630 32nd St SE, Grand Rapids, MI 49548 2306
18 month CD
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
400 Town Center Dr, Dearborn, MI 48126
Business Share Certificates 18 month
$100,000
3.50%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
630 32nd St SE, Grand Rapids, MI 49548 2306
18-Month CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Rates are valid as of 6/7/2026 and subject to change without notice. Fees or penalties could reduce earnings. Early withdrawal penalty on 12-month term or longer is 180-days loss of interest.
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
7665 Merriman Rd, Romulus, MI 48174 1920
Relationship CD 18-Months
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Max: $10,000
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
6246 Chase Rd, Dearborn, MI 48126
18 Month Cert / IRA
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
18 Month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
18 Month Certificate or IRA-HSA
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
790 Joslyn Ave, Pontiac, MI 48340 2918
18 Month
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Journey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
1200 Zeeb Dr, Saint Johns, MI 48879 1150
Share Certificates and IRA Certificates 18 Month
$500
3.40%
▼
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
See disclosure on specific details on individual accounts. Rates and Terms are subject to change at any time.
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
400 Town Center Dr, Dearborn, MI 48126
Business Share Certificates 18 month
$25,000
3.35%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedJun 16, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
400 Town Center Dr, Dearborn, MI 48126
Share Certificates 18 month
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
7665 Merriman Rd, Romulus, MI 48174 1920
CD Tier I 18 Months
$0
3.35%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
7665 Merriman Rd, Romulus, MI 48174 1920
IRA Certificates 18 mos
$0
3.35%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
7665 Merriman Rd, Romulus, MI 48174 1920
CD: Tier V 18 months
$0
3.35%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
minimum $250,000
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—
UpdatedJun 16, 2026
Details
CASE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
4316 S Pennsylvania Ave, Lansing, MI 48910
18 Month TDA or IRA TDA
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Harborlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
2151 Cogswell Dr, Whitehall, MI 49461
18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
4866 Alpine Ave NW, Comstock Park, MI 49321 8579
18 Month CD
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
VIP Bonus Rate: 3.445%, VIP Bonus APY: 3.50%
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
4866 Alpine Ave NW, Comstock Park, MI 49321 8579
18 Month IRA/HSA CD
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
VIP Bonus Rate: 3.445%, VIP Bonus APY: 3.50%
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
400 Town Center Dr, Dearborn, MI 48126
Share Certificates 18 month
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
400 Town Center Dr, Dearborn, MI 48126
Business Share Certificates 18 month
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
18 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
18 Month Certificate of Deposit
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
6310 Dixie Hwy, Bridgeport, MI 48722
Hometown Hero 18 month
$250
3.20%
▼
Rate3.15%
Min Deposit$250
Min Balance—
UpdatedJun 16, 2026
Details
Dearborn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
22315 Michigan Ave, Dearborn, MI 48124
18 MONTH FIXED RATE IRA
$100
3.19%
▼
Rate3.15%
Min Deposit$100
Min Balance—
UpdatedJun 23, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
18 Month
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Highpoint Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
435 Arlington St, Middleville, MI 49333
18 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1075 E Sherman Blvd, Norton Shores, MI 49444 1807
Share Certificates 18 months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan 24 Month CD Rates
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: 2.07%
8171 E 10 Mile Rd, Center Line, MI 48015 1449
24 Month Certificate
$0
4.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
65 W LAKETON AVE, MUSKEGON, MI 49441
IRA & SHARE CERTIFICATES 2 YEAR
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
715 N Telegraph Rd, Monroe, MI 48162 5130
24 Month Youth CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 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.
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
2 Year
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI 48381
2 Year CD
$0
3.81%
▼
Rate3.76%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
Jumbo and Jumbo IRA Certificates - 2 Years
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
$100,000 and Above
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
Jumbo and Jumbo IRA Certificates 2 Years
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
$100,000 and Above; Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
241 E Saginaw St, East Lansing, MI 48823
24 Month
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
508 State St, Fremont, MI 49412
Share Certificates and IRA Certificates - 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
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—
UpdatedJun 16, 2026
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
715 N Telegraph Rd, Monroe, MI 48162 5130
24 Month IRA CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
715 N Telegraph Rd, Monroe, MI 48162 5130
24 Month CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
4411 Calkins Rd, Flint, MI 48532
24 Months Regular
$2,500
3.75%
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
Interest paid monthly; Interest paid quarterly; APY (Interest paid & compounded quarterly): 3.80%
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1075 E Sherman Blvd, Norton Shores, MI 49444 1807
Youth Certificates 24 months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
IRA Certificate 2 Years
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Penalty for early withdrawal.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
2 Years
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Penalty for early withdrawal.
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
2 Year
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
2-Year Certificate or IRA-HSA Jumbo
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Extra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
6611 Chicago Rd, Warren, MI 48092 1685
Fixed-Rate Certificates 24 Months
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal.
Soo-Co-Op Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
4489 I 75 Business Spur, Sault Sainte Marie, MI 49783
24 Month
$0
3.65%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
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—
UpdatedJun 16, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
IRA - 24 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
20252 Ecorse Rd, Taylor, MI 48180
2 year
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
I.R.A Certificates ($250 min.). Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
211 W Center St, Alma, MI 48801 2206
24 Months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
24 Months Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Certificate rates remain fixed for the term of the certificate.
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
2665 Reserve Rd, Houghton Lake, MI 48629
24 MONTH CD
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
2-Year Certificate or IRA-HSA
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
615 W Maple Ave, Adrian, MI 49221 1630
24 MONTH CERTIFICATE
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
718 E Michigan Ave, Jackson, MI 49201
IRA Certificate 2 Year
$50
3.51%
▼
Rate3.46%
Min Deposit$50
Min Balance—
UpdatedJun 16, 2026
Details
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
600 E Lyon Rd, Midland, MI 48640 5396
Simple CDs 24 Months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
2 Year
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
24 Month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 180 days interest
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
20252 Ecorse Rd, Taylor, MI 48180
2 year
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Youth Certificates ($200 min. $1000 max). Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
718 E Michigan Ave, Jackson, MI 49201
Share Certificate 2 Year
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 26.46%
1086 Creston St, Muskegon, MI 49442
24 MONTH GOLDEN CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
30400 Telegraph Rd Ste 122, Bingham Farms, MI 48025
24 Month IRA Certificate of Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
30400 Telegraph Rd Ste 122, Bingham Farms, MI 48025
24 Month Certificate of Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
IRA Certificate 24 Month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 180 days interest
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
2 Year Certificate of Deposit
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Technical Center, Saline, MI 48176
24-Month Fixed
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Technical Center, Saline, MI 48176
24-Month Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
2665 Reserve Rd, Houghton Lake, MI 48629
24 MONTH CD
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
2665 Reserve Rd, Houghton Lake, MI 48629
ADD ON 24 MO CERT
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
520 HAYDEN ST, SAGINAW, MI 48607
Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit - 24 Months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
790 Joslyn Ave, Pontiac, MI 48340 2918
24 Month
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
IRA Certificate 24 Month
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
Regular Certificate 24 Month
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.08%
2889 E Maple Rd, Troy, MI 48083
2 Year
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
APY as high as 3.600%. Rates may increase .2% when a member qualifies for our loyalty benefits. Ask us for more details.
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
7665 Merriman Rd, Romulus, MI 48174 1920
CD: Tier V 24 months
$0
3.40%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
minimum $250,000
Journey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
1200 Zeeb Dr, Saint Johns, MI 48879 1150
Share Certificates and IRA Certificates 24 Month
$500
3.40%
▼
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
See disclosure on specific details on individual accounts. Rates and Terms are subject to change at any time.
Michigan 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
508 State St, Fremont, MI 49412
Share Certificates and IRA Certificates - 36 Month
$0
4.25%
▼
Rate4.17%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
715 N Telegraph Rd, Monroe, MI 48162 5130
36 Month Youth CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 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.
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
3-Year Rising Rate Certificate of Deposit - Year 3 term
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
Jumbo and Jumbo IRA Certificates - 3 Years
$0
3.89%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
$100,000 and Above
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
Jumbo and Jumbo IRA Certificates 3 Years
$0
3.89%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
$100,000 and Above; Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Technical Center, Saline, MI 48176
36-Month Variable
$0
3.89%
▼
Rate3.82%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI 48381
3 Year CD
$0
3.88%
▼
Rate3.82%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
3 Years
$0
3.83%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Penalty for early withdrawal.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
IRA Certificate 3 Years
$0
3.83%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Penalty for early withdrawal.
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
241 E Saginaw St, East Lansing, MI 48823
36 Month
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Extra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
6611 Chicago Rd, Warren, MI 48092 1685
Fixed-Rate Certificates 36 Months
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal.
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
3-Year Certificate of Deposit
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
IRA Certificate 36 Month
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 180 days interest
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
3-Year Certificate or IRA-HSA Jumbo
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
36 Month
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 180 days interest
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
4411 Calkins Rd, Flint, MI 48532
36 Months Regular
$2,500
3.75%
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
Interest paid monthly; Interest paid quarterly; APY (Interest paid & compounded quarterly): 3.80%
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
3-Year Rising Rate Certificate of Deposit - Blended APY
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
3-Year Rising Rate Certificate of Deposit - Year 2 term
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
600 E Lyon Rd, Midland, MI 48640 5396
Simple CDs 36 Months
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
3 Year
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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—
UpdatedJun 16, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
IRA - 36 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
211 W Center St, Alma, MI 48801 2206
36 Months
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
65 W LAKETON AVE, MUSKEGON, MI 49441
IRA & SHARE CERTIFICATES 3 YEAR
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
2665 Reserve Rd, Houghton Lake, MI 48629
36 MONTH CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
3-Year Certificate or IRA-HSA
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
36 Months Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Certificate rates remain fixed for the term of the certificate.
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
20252 Ecorse Rd, Taylor, MI 48180
3 year
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
I.R.A Certificates ($250 min.). Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply
Settlers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
14623 State Highway M28 E, Bruce Crossing, MI 49912 9296
36 Month Share Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
7665 Merriman Rd, Romulus, MI 48174 1920
CD: Tier V 36 months
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
minimum $250,000
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
615 W Maple Ave, Adrian, MI 49221 1630
36 MONTH CERTIFICATE
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Gogebic Range Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.26%
207 Cedar Street, Ewen, MI 49925
36 Month CD
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Gogebic Range Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.26%
207 Cedar Street, Ewen, MI 49925
IRA 36 Month CD
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
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—
UpdatedJun 16, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
2665 Reserve Rd, Houghton Lake, MI 48629
36 MONTH CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 26.46%
1086 Creston St, Muskegon, MI 49442
36 MO GOLDEN CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
7665 Merriman Rd, Romulus, MI 48174 1920
IRA Certificates 36 mos
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
7665 Merriman Rd, Romulus, MI 48174 1920
CD Tier I 36 Months
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
500 E Lafayette Blvd, Detroit, MI 48226
3-year
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Technical Center, Saline, MI 48176
36-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Technical Center, Saline, MI 48176
36-Month Fixed
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
IRA Certificate 36 Month
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
Regular Certificate 36 Month
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
3 Year
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
3-Year Rising Rate Certificate of Deposit - Year 1 term
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
718 E Michigan Ave, Jackson, MI 49201
IRA Certificate 3 Year
$50
3.45%
▼
Rate3.41%
Min Deposit$50
Min Balance—
UpdatedJun 16, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
718 E Michigan Ave, Jackson, MI 49201
Share Certificate 3 Year
$0
3.45%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Journey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
1200 Zeeb Dr, Saint Johns, MI 48879 1150
Share Certificates and IRA Certificates 36 Month
$500
3.40%
▼
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
See disclosure on specific details on individual accounts. Rates and Terms are subject to change at any time.
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
4866 Alpine Ave NW, Comstock Park, MI 49321 8579
36 Month IRA/HSA CD
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
VIP Bonus Rate: 3.542%, VIP Bonus APY: 3.60%
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
4866 Alpine Ave NW, Comstock Park, MI 49321 8579
36 Month CD
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
VIP Bonus Rate: 3.542%, VIP Bonus APY: 3.60%
Michigan 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
508 State St, Fremont, MI 49412
Share Certificates and IRA Certificates - 48 Month
$0
4.50%
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
241 E Saginaw St, East Lansing, MI 48823
48 Month
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
Jumbo and Jumbo IRA Certificates - 4 Years
$0
3.96%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
$100,000 and Above
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
Jumbo and Jumbo IRA Certificates 4 Years
$0
3.96%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
$100,000 and Above; Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI 48381
4 Year CD
$0
3.92%
▼
Rate3.86%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
4 Years
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Penalty for early withdrawal.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
IRA Certificate 4 Years
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Penalty for early withdrawal.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
4-Year Certificate or IRA-HSA Jumbo
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 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—
UpdatedJun 16, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
IRA - 48 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
7665 Merriman Rd, Romulus, MI 48174 1920
CD: Tier V 48 months
$0
3.70%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
minimum $250,000
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
211 W Center St, Alma, MI 48801 2206
48 Months
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
7665 Merriman Rd, Romulus, MI 48174 1920
CD Tier I 48 Months
$0
3.65%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
7665 Merriman Rd, Romulus, MI 48174 1920
IRA Certificates 48 mos*
$0
3.65%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
2665 Reserve Rd, Houghton Lake, MI 48629
48 MONTH CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
65 W LAKETON AVE, MUSKEGON, MI 49441
IRA & SHARE CERTIFICATES 4 YEAR
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
4-Year Certificate or IRA-HSA
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
IRA Certificate 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
Regular Certificate 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
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—
UpdatedJun 16, 2026
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
48 Months Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Certificate rates remain fixed for the term of the certificate.
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
20252 Ecorse Rd, Taylor, MI 48180
4 year
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
I.R.A Certificates ($250 min.). Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
600 E Lyon Rd, Midland, MI 48640 5396
Simple CDs 48 Months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 26.46%
1086 Creston St, Muskegon, MI 49442
48 MO GOLDEN CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
615 W Maple Ave, Adrian, MI 49221 1630
48 MONTH CERTIFICATE
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
2665 Reserve Rd, Houghton Lake, MI 48629
48 MONTH CD
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Technical Center, Saline, MI 48176
48-Month Fixed
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Technical Center, Saline, MI 48176
48-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
500 E Lafayette Blvd, Detroit, MI 48226
4-year
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
48 Month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 180 days interest
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
IRA Certificate 48 Month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 180 days interest
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
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—
UpdatedJun 16, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
4866 Alpine Ave NW, Comstock Park, MI 49321 8579
48 Month CD
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
VIP Bonus Rate: 3.687%, VIP Bonus APY: 3.75%
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
4866 Alpine Ave NW, Comstock Park, MI 49321 8579
48 Month IRA/HSA CD
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
VIP Bonus Rate: 3.687%, VIP Bonus APY: 3.75%
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
718 E Michigan Ave, Jackson, MI 49201
IRA Certificate 4 Year
$50
3.40%
▼
Rate3.36%
Min Deposit$50
Min Balance—
UpdatedJun 16, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
718 E Michigan Ave, Jackson, MI 49201
Share Certificate 4 Year
$0
3.40%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Journey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
1200 Zeeb Dr, Saint Johns, MI 48879 1150
Share Certificates and IRA Certificates 48 Month
$500
3.40%
▼
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
See disclosure on specific details on individual accounts. Rates and Terms are subject to change at any time.
CASE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
4316 S Pennsylvania Ave, Lansing, MI 48910
4 Year TDA or IRA TDA
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
630 32nd St SE, Grand Rapids, MI 49548 2306
48 month CD
$500
3.40%
▼
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
4 Year
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Harborlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
2151 Cogswell Dr, Whitehall, MI 49461
4 Year Jumbo*
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
20252 Ecorse Rd, Taylor, MI 48180
4 year
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Jumbo Certificates ($25,000 min.). Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
6230 Orchard Lake Rd, West Bloomfield, MI 48322
IRA Certificate 48 Month
$0
3.27%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Farm Bureau Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
7373 W Saginaw Hwy, Lansing, MI 48917 1124
48 MONTH CERTIFICATE
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
2182 Lakeshore Dr, Muskegon, MI 49441 1414
48 MO IRA Certificate
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Auto Owners Associates Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
6101 Anacapri Blvd, Lansing, MI 48917
48 MONTH TERM SHARE
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
2182 Lakeshore Dr, Muskegon, MI 49441 1414
48 Month CD
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Harborlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
2151 Cogswell Dr, Whitehall, MI 49461
4 Years
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Family First Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.11%
1011 N Michigan Ave, Saginaw, MI 48602 4326
48 Months
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.08%
2889 E Maple Rd, Troy, MI 48083
4 Year
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
APY as high as 3.450%. Rates may increase .2% when a member qualifies for our loyalty benefits. Ask us for more details.
Michigan 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
508 State St, Fremont, MI 49412
Share Certificates and IRA Certificates - 60 Month
$0
4.50%
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
Jumbo and Jumbo IRA Certificates - 5 Years
$0
4.11%
▼
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
$100,000 and Above
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
Jumbo and Jumbo IRA Certificates 5 Years
$0
4.11%
▼
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
$100,000 and Above; Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
5 Years
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Penalty for early withdrawal.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
IRA Certificate 5 Years
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Penalty for early withdrawal.
Extra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
6611 Chicago Rd, Warren, MI 48092 1685
Fixed-Rate Certificates 60 Months
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal.
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
241 E Saginaw St, East Lansing, MI 48823
60 Month
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI 48381
5 Year CD
$500
3.96%
▼
Rate3.90%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
5-Year Certificate or IRA-HSA Jumbo
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3089 44th St SW, Grandville, MI 49418 2501
60 Month CD
$0
3.85%
▼
Rate3.79%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
IRA - 60 Month
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
5-Year Certificate or IRA-HSA
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
7665 Merriman Rd, Romulus, MI 48174 1920
CD Tier I 60 Months
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
7665 Merriman Rd, Romulus, MI 48174 1920
CD: Tier V 60 months
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
minimum $250,000
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
7665 Merriman Rd, Romulus, MI 48174 1920
IRA Certificates 60 mos*
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
4866 Alpine Ave NW, Comstock Park, MI 49321 8579
60 Month CD
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
VIP Bonus Rate: 3.928%, VIP Bonus APY: 4.00%
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
4866 Alpine Ave NW, Comstock Park, MI 49321 8579
60 Month IRA/HSA CD
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
VIP Bonus Rate: 3.928%, VIP Bonus APY: 4.00%
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
211 W Center St, Alma, MI 48801 2206
60 Months
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
IRA Certificate 60 Month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
Regular Certificate 60 Month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
65 W LAKETON AVE, MUSKEGON, MI 49441
IRA & SHARE CERTIFICATES 5 YEAR
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
2665 Reserve Rd, Houghton Lake, MI 48629
60 MONTH CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
20252 Ecorse Rd, Taylor, MI 48180
5 year
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
I.R.A Certificates ($250 min.). Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
60 Months Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Certificate rates remain fixed for the term of the certificate.
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
615 W Maple Ave, Adrian, MI 49221 1630
60 MONTH CERTIFICATE
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 26.46%
1086 Creston St, Muskegon, MI 49442
60 MO GOLDEN CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
2665 Reserve Rd, Houghton Lake, MI 48629
60 MONTH CD
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
600 E Lyon Rd, Midland, MI 48640 5396
Simple CDs 60 Months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
6640 Bay Rd, Saginaw, MI 48604
Certificates 60 Months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice.
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
6230 Orchard Lake Rd, West Bloomfield, MI 48322
IRA Certificate 60 Month
$0
3.54%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Soo-Co-Op Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
4489 I 75 Business Spur, Sault Sainte Marie, MI 49783
60 Month
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
2182 Lakeshore Dr, Muskegon, MI 49441 1414
60 Month CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
2182 Lakeshore Dr, Muskegon, MI 49441 1414
60 MO IRA Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Dearborn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
22315 Michigan Ave, Dearborn, MI 48124
5 YEARS
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJun 23, 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—
UpdatedJun 23, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
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—
UpdatedJun 16, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
IRA Certificate 60 Month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 180 days interest
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
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—
UpdatedJun 16, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
60 Months
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 180 days interest
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
500 E Lafayette Blvd, Detroit, MI 48226
5-year
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Technical Center, Saline, MI 48176
60-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Technical Center, Saline, MI 48176
60-Month Fixed
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1075 E Sherman Blvd, Norton Shores, MI 49444 1807
Share Certificates 60 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
2303 S Center Rd, Burton, MI 48519 1147
60-Month Certificate
$0
3.45%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
5 Year
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Journey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
1200 Zeeb Dr, Saint Johns, MI 48879 1150
Share Certificates and IRA Certificates 60 Month
$500
3.40%
▼
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
See disclosure on specific details on individual accounts. Rates and Terms are subject to change at any time.
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
630 32nd St SE, Grand Rapids, MI 49548 2306
60 month CD
$500
3.40%
▼
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
CASE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
4316 S Pennsylvania Ave, Lansing, MI 48910
5 Year TDA or IRA TDA
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
718 E Michigan Ave, Jackson, MI 49201
Share Certificate 5 Year
$0
3.35%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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.
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
2.719%
▼ 0.008 vs 7 days ago
Michigan 12-month CD rates fell 0.008 points over the past 7 days to 2.719% APY.
6-Month CD — MI Avg
2.796%
▼ 0.002 vs 7 days ago
Michigan 6-month CD rates fell 0.002 points over the past 7 days to 2.796% APY.
As of Jun 23, 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 June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MI 12-Month Avg APY
2.719%
6-Month Forecast
2.719%
Range: 2.52% – 2.87%
12-Month Forecast
2.469%
Range: 2.27% – 2.62%
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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 | 2.655% | $132.76 | $265.51 | $663.78 | $1,327.55 |
| 6-Month CD | 2.796% | $139.82 | $279.64 | $699.10 | $1,398.20 |
| 12-Month CD | 2.719% | $135.94 | $271.87 | $679.68 | $1,359.35 |
| 18-Month CD | 2.883% | $144.15 | $288.30 | $720.75 | $1,441.50 |
| 24-Month CD | 2.653% | $132.65 | $265.30 | $663.25 | $1,326.50 |
| 36-Month CD | 2.669% | $133.47 | $266.94 | $667.35 | $1,334.70 |
| 48-Month CD | 2.757% | $137.83 | $275.65 | $689.13 | $1,378.25 |
| 60-Month CD | 2.846% | $142.29 | $284.58 | $711.45 | $1,422.90 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 23, 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 | 2.655% | $132.76 |
| 2 | 6-Month CD | $5,000 | 2.796% | $139.82 |
| 3 | 12-Month CD | $5,000 | 2.719% | $135.94 |
| 4 | 24-Month CD | $5,000 | 2.653% | $132.65 |
| 5 | 36-Month CD | $5,000 | 2.669% | $133.47 |
| Total ($25,000 invested) | $25,000 | 2.699% blended | $674.64/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.
963
CD Rates
Tracked in Michigan
Tracked in Michigan
21 Banks
81 Credit Unions
About Our Michigan CD Rate Database
MonitorBankRates tracks 963 CD rates from 21 banks and 81 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: United Financial Credit Union offers a CD at 5.05% 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 81 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 — 102 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
$117/yr
At MI 12-mo avg 2.719% 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 2.719%, saving 10% of the local median salary ($4,293/year) and putting it in a CD would earn an additional $117 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 |
How Certificates of Deposit Work in Michigan
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Michigan typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Michigan as everywhere in the U.S.
Choosing a CD Term in Michigan
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Michigan savers easier access to their funds. For example, United Financial Credit Union is offering its 6 month - 4H or FFA CD at 5.05% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Gerber Federal Credit Union is offering its Share Certificates and IRA Certificates - 60 Month at 4.50% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Michigan Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Michigan saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Michigan
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Michigan CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Michigan
Most CDs carry a fixed rate that is locked for the entire term, protecting a Michigan depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
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:
- United Financial Credit Union: 5.05% APY (6 month - 4H or FFA CD)
- OMNI Community Credit Union: 5.00% APY (12 Month Youth Special)
- Best Financial Credit Union: 5.00% APY (12 Month Super Kids)
- Gerber Federal Credit Union: 4.50% APY (Share Certificates and IRA Certificates - 48 Month)
- People Driven Credit Union: 4.50% APY (1 Year Youth)
- Wolverine State Credit Union: 4.34% APY (1 YEAR YOUTH CD)
- Christian Financial Credit Union: 4.20% APY (24 Month Certificate)
- CIBC: 4.15% APY (18-month CD)
- Genisys Credit Union: 4.11% APY (Jumbo and Jumbo IRA Certificates - 5 Years)
- Meijer Credit Union: 4.10% APY (IRA Certificate of Deposit - 6 Months)
Rates reflect recent verified offers available in Michigan. Last Updated: June 23, 2026
CD Calculators for Michigan
Michigan CD Calculator
At today’s MI top rate of 5.05% APY, a $10,000 deposit earns $505 in the first year. Enter your amount to see your exact return.
Michigan CD LadderMI CD rates currently range from 2.655% (3-month) to 2.669% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Michigan CD at 5.05% 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 2.719% 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
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Michigan CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
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 sourcing data 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: June 23, 2026
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