Michigan CD Rates Today - Compare Best APYs for July 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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 Southeast Michigan State Employees Federal Credit UnionSoutheast Michigan State Employees Federal Credit Union6230 Orchard Lake Rd, West Bloomfield, MI 48322A+5.0 ★Texas Ratio: 2.01%Real return: +3.95%APY minus CPI (February 2026) offering 6 Month Certificate at 6.75% 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, 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, 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, and CIBCCIBC34901 Woodward Ave, Birmingham, MI 48009A+5.0 ★Texas Ratio: 2.97%Real return: +1.35%APY minus CPI (February 2026) offering 18-month CD at 4.15% APY. CD rates as of July 13, 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 6.75% APY from Southeast Michigan State Employees Federal Credit Union at 6230 Orchard Lake Rd, West Bloomfield, MI 48322. 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: July 13, 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—
UpdatedJul 11, 2026
Details
West Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
201 W Loomis St, Ludington, MI 49431
3 Month CD
$0
3.90%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
3355 University Dr, Auburn Hills, MI 48326
3-Month Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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—
UpdatedJul 11, 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 CD
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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—
UpdatedJul 6, 2026
Details
St Francis X Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
2140 M 119, Petoskey, MI 49770
3 Months CD & IRA CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 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—
UpdatedJul 11, 2026
Details
St Francis X Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
2140 M 119, Petoskey, MI 49770
3 Months CD & IRA CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 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—
UpdatedJul 11, 2026
Details
Interest Period Compounded & Credited: Quarterly
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—
UpdatedJul 11, 2026
Details
Interest Period Compounded & Credited: Quarterly
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
106 N Marketplace Blvd, Lansing, MI 48917 7753
IRA Certificate 3 Month
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
You are solely responsible for complying with any requirements including transaction limitations and penalties for early withdrawal under the Internal Revenue Code or other applicable Federal or State law governing any IRA or other Credit Union accounts.
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
106 N Marketplace Blvd, Lansing, MI 48917 7753
Regular Term Share Certificate 3 Month
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Regular Term Share Certificates require a minimum balance of $50 to open. Regular term CDs allow additional add on deposits.
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
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedJul 13, 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 26, 2026
Details
Valid Thru: 06/28/2026
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—
UpdatedJul 12, 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—
UpdatedJul 11, 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—
UpdatedJul 11, 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—
UpdatedJul 11, 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—
UpdatedJul 11, 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—
UpdatedJul 11, 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
2.17%
▼
Rate2.15%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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—
UpdatedJul 6, 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—
UpdatedJul 11, 2026
Details
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
125 W Saginaw St, Merrill, MI 48637
3 Month CD
$0
2.01%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 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
1.97%
▼
Rate1.95%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
715 Terrace St, Muskegon, MI 49440
3 month
$0
1.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 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—
UpdatedJul 8, 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—
UpdatedJul 8, 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—
UpdatedJul 8, 2026
Details
WEST MICHIGAN POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 7.94%
800 1st St, Muskegon, MI 49440
Share Certificates of Deposit - 3 Months
$0
1.11%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Ignite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
755 Grand St, Allegan, MI 49010 8027
3 MONTH CERTIFICATE
$50
1.10%
▼
Rate—
Min Deposit$50
Min Balance—
UpdatedJul 11, 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—
UpdatedJul 11, 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—
UpdatedJul 11, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
6180 State St, Saginaw, MI 48603
3 Month
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
6180 State St, Saginaw, MI 48603
Youth 3 Month
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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—
UpdatedJul 12, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
790 Joslyn Ave, Pontiac, MI 48340 2918
3 Month Term
$0
0.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
34100 Woodward Ave, Birmingham, MI 48009
3 month Standard Interest Rate
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Early withdrawal penalties may apply. Additional terms are available at a branch.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
34100 Woodward Ave, Birmingham, MI 48009
3 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Relationship APY 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Michigan 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
6230 Orchard Lake Rd, West Bloomfield, MI 48322
6 Month Certificate
$0
6.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 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—
UpdatedJul 6, 2026
Details
Quarterly Dividend Transfers, Non-Automatic Renewal, Simple Interest, Paid Quarterly! NEW MONEY ONLY!!! *APY - Annual Percentage Yield. Rates are accurate as of 01/01/2026 and are subject to change without notice
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—
UpdatedJul 6, 2026
Details
APY*/**; ***
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—
UpdatedJul 11, 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—
UpdatedJul 11, 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—
UpdatedJul 11, 2026
Details
Interest Period Compounded & Credited: Quarterly
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—
UpdatedJul 11, 2026
Details
Interest Period Compounded & Credited: Quarterly
West Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
201 W Loomis St, Ludington, MI 49431
6 Month CD
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 12, 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—
UpdatedJul 8, 2026
Details
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
507 E Main St, Niles, MI 49120 2617
6 Month
$100
3.76%
▼
Rate3.70%
Min Deposit$100
Min Balance—
UpdatedJun 26, 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—
UpdatedJul 11, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
3355 University Dr, Auburn Hills, MI 48326
6-Month Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI 49203
6 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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—
UpdatedJul 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—
UpdatedJul 6, 2026
Details
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
125 W Saginaw St, Merrill, MI 48637
6 Month CD
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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—
UpdatedJul 10, 2026
Details
APY will vary depending on the initial certificate deposit amount. There is a 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
Rising Rate Certificate of Deposit - Second 6-month Term
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
IRAs - Regular Certificates 6 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
Regular Certificates 6 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 10, 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
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 8, 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—
UpdatedJul 6, 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—
UpdatedJul 11, 2026
Details
Online Only.
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
9077 Charlotte Hwy, Portland, MI 48875
IRA Certificate 6 months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Highpoint Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
435 Arlington St, Middleville, MI 49333
182 Day (6 Month)
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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—
UpdatedJul 8, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
6180 State St, Saginaw, MI 48603
6 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
6180 State St, Saginaw, MI 48603
Youth 6 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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—
UpdatedJul 8, 2026
Details
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI 48091 4073
6 months
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJul 8, 2026
Details
St Francis X Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
2140 M 119, Petoskey, MI 49770
6 Months CD & IRA CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 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—
UpdatedJul 6, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Technical Center, Saline, MI 48176
6-Month Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
630 32nd St SE, Grand Rapids, MI 49548 2306
6 month CD
$0
3.45%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
630 32nd St SE, Grand Rapids, MI 49548 2306
6-Month CD
$500
3.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
APY* as high as 3.45 %. Rates are valid as of 6/7/2026 and subject to change without notice. Fees or penalties could reduce earnings. Early withdrawal penalty on 6-month certificate is 90-days loss of interest.
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
9077 Charlotte Hwy, Portland, MI 48875
6 months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
IRA Certificates 6 months
$0
3.41%
▼
Rate3.37%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Annual Percentage Yield designated as APY and subject to change at any time. 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
6-Month Certificate or IRA-HSA
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Valid Thru: 06/28/2026
St Francis X Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
2140 M 119, Petoskey, MI 49770
6 Months CD & IRA CD
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 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 - First 6-month Term
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Extra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
6611 Chicago Rd, Warren, MI 48092 1685
Fixed-Rate Certificates 6 Months
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 10, 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 6 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
600 E Lyon Rd, Midland, MI 48640 5396
6 Months
$0
3.24%
▼
Rate3.19%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
106 N Marketplace Blvd, Lansing, MI 48917 7753
IRA Certificate 6 Month
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
You are solely responsible for complying with any requirements including transaction limitations and penalties for early withdrawal under the Internal Revenue Code or other applicable Federal or State law governing any IRA or other Credit Union accounts.
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
106 N Marketplace Blvd, Lansing, MI 48917 7753
Regular Term Share Certificate 6 Month
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Regular Term Share Certificates require a minimum balance of $50 to open. Regular term CDs allow additional add on deposits.
WEST MICHIGAN POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 7.94%
800 1st St, Muskegon, MI 49440
Share Certificates of Deposit - 6 Months
$0
3.06%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 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 6 MONTH
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
715 Terrace St, Muskegon, MI 49440
6 month
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Michigan 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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—
UpdatedJul 10, 2026
Details
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—
UpdatedJul 6, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI 48092
Certificate 1 Year
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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—
UpdatedJul 11, 2026
Details
Interest Period Compounded & Credited: Quarterly
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—
UpdatedJul 11, 2026
Details
Interest Period Compounded & Credited: Quarterly
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
715 Terrace St, Muskegon, MI 49440
12 month
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
10 Washington St, Monroe, MI 48161
12-month CD/IRA
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Promotional Rate. Rates may vary by zip code. APY (Annual Percentage Yield) effective 6/30/2026 for a limited time. See Details.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
1 Year Youth Flex Certificate
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Additional deposits of $10 or more up to the max limit allowed per day. Youth Flex Certificate is only for members from ages 0-21. One time option to change the rate offered on the same product. One time option to withdraw up to 25% of principal with no penalty.
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
2955 University Dr, Auburn Hills, MI 48326
GenGrow 12-month CD
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
NEW MONEY
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—
UpdatedJul 11, 2026
Details
Online Only.
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI 48381
1 Year CD
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJul 12, 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 1 Year
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY* is subject to change at any time. Penalty for early withdrawal.
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
G3381 Van Slyke Rd, Flint, MI 48507 3263
12 Month Youth CD
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
IRA Certificates 1 Year
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.
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—
UpdatedJul 8, 2026
Details
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI 48091 4073
12 months
$500
3.75%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJul 8, 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—
UpdatedJul 8, 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—
UpdatedJul 8, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
3355 University Dr, Auburn Hills, MI 48326
Youth/Young Adult 12-Month Certificate*
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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—
UpdatedJul 11, 2026
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
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
WEST MICHIGAN POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 7.94%
800 1st St, Muskegon, MI 49440
Share Certificates of Deposit - 12 Months
$0
3.73%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
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—
UpdatedJul 10, 2026
Details
APY will vary depending on the initial certificate deposit amount. There is a penalty for early withdrawal.
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
3355 University Dr, Auburn Hills, MI 48326
12-Month Certificate
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
1 Year
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
9077 Charlotte Hwy, Portland, MI 48875
IRA Certificate 12 months
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
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—
UpdatedJul 6, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
790 Joslyn Ave, Pontiac, MI 48340 2918
12 Month CDs
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
125 W Saginaw St, Merrill, MI 48637
12 Month CD
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Valid Thru: 06/28/2026
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—
UpdatedJul 6, 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 1 YEAR
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
IRAs - Regular Certificates 12 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
Regular Certificates 12 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
9077 Charlotte Hwy, Portland, MI 48875
12 months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★Texas Ratio: 13.86%
670 Cascade West Pkwy Se, Grand Rapids, MI 49546
12 month CD
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
507 E Main St, Niles, MI 49120 2617
12 Month
$100
3.51%
▼
Rate3.45%
Min Deposit$100
Min Balance—
UpdatedJun 26, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
6180 State St, Saginaw, MI 48603
12 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
PORT CITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
460 W Laketon Ave, Muskegon, MI 49441 2632
12 Months
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI 49203
12 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
6180 State St, Saginaw, MI 48603
Youth 12 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
630 32nd St SE, Grand Rapids, MI 49548 2306
12 month CD
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
GR Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
17010 Croswell St, West Olive, MI 49460 9748
12 month IRA
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
GR Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
17010 Croswell St, West Olive, MI 49460 9748
12 month
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 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 12 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
630 32nd St SE, Grand Rapids, MI 49548 2306
12-Month CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
APY* as high as 3.50 %. 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.
Community Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
18925 Telegraph Rd, Brownstown, MI 48174 9546
1 Year Certificate
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 6, 2026
Details
Extra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
6611 Chicago Rd, Warren, MI 48092 1685
Fixed-Rate Certificates 12 Months
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 10, 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
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Valid Thru: 06/28/2026
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
1 Year
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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—
UpdatedJul 11, 2026
Details
Featured rate. Online Only.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Technical Center, Saline, MI 48176
18-Month Variable IRA Certificate
$0
4.01%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Minimum balance to earn APY: $100,000, $40,000, $100
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—
UpdatedJul 10, 2026
Details
At maturity, the CD will be renewed into a 24-month CD.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
IRA Certificates 18 months
$0
3.96%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.
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—
UpdatedJul 11, 2026
Details
Interest Period Compounded & Credited: Quarterly
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—
UpdatedJul 11, 2026
Details
Interest Period Compounded & Credited: Quarterly
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
715 Terrace St, Muskegon, MI 49440
18 month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 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
3.71%
▼
Rate3.65%
Min Deposit$100
Min Balance—
UpdatedJul 12, 2026
Details
The interest rate and APY may change after account opening
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—
UpdatedJul 11, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
3355 University Dr, Auburn Hills, MI 48326
18-Month Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
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—
UpdatedJul 11, 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—
UpdatedJul 8, 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—
UpdatedJul 8, 2026
Details
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—
UpdatedJul 6, 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
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Valid Thru: 06/28/2026
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI 48091 4073
18 months
$500
3.54%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJul 8, 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
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJul 6, 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
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
APY*. 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.
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
6180 State St, Saginaw, MI 48603
18 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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—
UpdatedJul 6, 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—
UpdatedJul 11, 2026
Details
Priority Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 21.95%
6000 28th St SE Ste 100, Grand Rapids, MI 49546 6927
18 Month CD
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
1
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
G3381 Van Slyke Rd, Flint, MI 48507 3263
18 Months
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
125 W Saginaw St, Merrill, MI 48637
18 Month CD
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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—
UpdatedJul 11, 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
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
4635 44th St SE, Grand Rapids, MI 49512
18 Month
$500
3.20%
▼
Rate3.16%
Min Deposit$500
Min Balance—
UpdatedJul 13, 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—
UpdatedJul 12, 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—
UpdatedJul 11, 2026
Details
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
600 E Lyon Rd, Midland, MI 48640 5396
18 Months
$0
3.03%
▼
Rate2.99%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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—
UpdatedJul 11, 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
18 Month Share Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
SPECIAL; APY*/**; ***
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
18 Month
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
235 Quincy St, Hancock, MI 49930
18 Month
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Settlers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
14623 State Highway M28 E, Bruce Crossing, MI 49912 9296
18 Month Share Certificates
$0
2.88%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedJul 12, 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
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
St Francis X Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
2140 M 119, Petoskey, MI 49770
18 Months CD & IRA CD
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
St Francis X Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
2140 M 119, Petoskey, MI 49770
18 Months CD & IRA CD
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Range Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
100 N Front St, Marquette, MI 49855
18 Months
$1,000
2.50%
▼
Rate2.48%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
4Front Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.23%
3745 N US Highway 31 S, Traverse City, MI 49684 4442
18 Mo.
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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 18 Mo.
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
507 E Main St, Niles, MI 49120 2617
18 Month
$100
2.35%
▼
Rate2.32%
Min Deposit$100
Min Balance—
UpdatedJun 26, 2026
Details
The Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
39139 Mound Rd, Sterling Heights, MI 48310 2737
18 Month
$500
2.35%
▼
Rate2.33%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
West Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
201 W Loomis St, Ludington, MI 49431
18 Month
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
4Front Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.23%
3745 N US Highway 31 S, Traverse City, MI 49684 4442
18 Mo.
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Lake-Osceola State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
790 Michigan Ave, Baldwin, MI 49304
18 Months
$500
2.27%
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedJul 11, 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 18 Mo.
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Ignite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
755 Grand St, Allegan, MI 49010 8027
18 MONTH CERTIFICATE
$50
2.17%
▼
Rate—
Min Deposit$50
Min Balance—
UpdatedJul 11, 2026
Details
Northern Interstate Bank, N. A.
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
501 W Us Highway 2, Norway, MI 49870
18 Month CD
$1,000
1.91%
▼
Rate1.90%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Thumb Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
7254 Michigan Ave, Pigeon, MI 48755
18 Month CD
$0
1.63%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Michigan 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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—
UpdatedJul 8, 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
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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
3.84%
▼
Rate3.79%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY* is 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
2 Year CD
$0
3.81%
▼
Rate3.76%
Min Deposit$0
Min Balance—
UpdatedJul 12, 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
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Valid Thru: 06/28/2026
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
9077 Charlotte Hwy, Portland, MI 48875
IRA Certificate 24 months
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
IRA Certificates 2 Years
$0
3.79%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.
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—
UpdatedJul 8, 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
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
9077 Charlotte Hwy, Portland, MI 48875
24 months
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Valid Thru: 06/28/2026
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—
UpdatedJul 10, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
3355 University Dr, Auburn Hills, MI 48326
24-Month Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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—
UpdatedJul 10, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
IRAs - 24 Month*
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
715 Terrace St, Muskegon, MI 49440
24 month
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 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—
UpdatedJul 6, 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—
UpdatedJul 11, 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—
UpdatedJul 11, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
6180 State St, Saginaw, MI 48603
24 Month
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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—
UpdatedJul 6, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Technical Center, Saline, MI 48176
24-Month Fixed IRA Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Minimum balance to earn APY: $100,000, $40,000, $100
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—
UpdatedJul 6, 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
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
Regular Certificates 24 Month
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
IRAs - Regular Certificates 24 Month
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI 48091 4073
2 years
$75,000
3.39%
▼
Rate3.35%
Min Deposit$75,000
Min Balance—
UpdatedJul 8, 2026
Details
WEST MICHIGAN POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 7.94%
800 1st St, Muskegon, MI 49440
Share Certificates of Deposit - 24 Months
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
630 32nd St SE, Grand Rapids, MI 49548 2306
24 month CD
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Priority Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 21.95%
6000 28th St SE Ste 100, Grand Rapids, MI 49546 6927
24 Month CD
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
1
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
2 Year
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
11756 Charest St, Hamtramck, MI 48212
2 Years
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI 48091 4073
2 years
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJul 8, 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
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
2182 Lakeshore Dr, Muskegon, MI 49441 1414
24 MO IRA Certificate
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 8, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
2182 Lakeshore Dr, Muskegon, MI 49441 1414
24 Month CD
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 8, 2026
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI 49203
24 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
PORT CITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
460 W Laketon Ave, Muskegon, MI 49441 2632
24 Months
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
125 W Saginaw St, Merrill, MI 48637
24 Month CD
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
4635 44th St SE, Grand Rapids, MI 49512
24 Month
$500
3.22%
▼
Rate3.18%
Min Deposit$500
Min Balance—
UpdatedJul 13, 2026
Details
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
G3381 Van Slyke Rd, Flint, MI 48507 3263
24 Month Start 'N Grow
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
G3381 Van Slyke Rd, Flint, MI 48507 3263
24 Months
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Dearborn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
22315 Michigan Ave, Dearborn, MI 48124
2 YEAR IRA
$250
3.15%
▼
Rate3.15%
Min Deposit$250
Min Balance—
UpdatedJul 12, 2026
Details
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
106 N Marketplace Blvd, Lansing, MI 48917 7753
IRA Certificate 24 Month
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
You are solely responsible for complying with any requirements including transaction limitations and penalties for early withdrawal under the Internal Revenue Code or other applicable Federal or State law governing any IRA or other Credit Union accounts.
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
2 Year
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Settlers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
14623 State Highway M28 E, Bruce Crossing, MI 49912 9296
24 Month Share Certificates
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI 48092
Certificate 2 Years
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gogebic Range Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.26%
207 Cedar Street, Ewen, MI 49925
24 Month CD
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Gogebic Range Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.26%
207 Cedar Street, Ewen, MI 49925
IRA 24 Month CD
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Highpoint Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
435 Arlington St, Middleville, MI 49333
2 Year
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
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—
UpdatedJul 8, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Technical Center, Saline, MI 48176
36-Month Variable IRA Certificate
$0
4.12%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Minimum balance to earn APY: $100,000, $40,000, $100
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
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY* is 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
IRA Certificates 3 Years
$0
4.01%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Annual Percentage Yield designated as APY and subject to change at any time. 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
3-Year Rising Rate Certificate of Deposit - Year 3 term
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI 48381
3 Year
$0
3.88%
▼
Rate3.82%
Min Deposit$0
Min Balance—
UpdatedJul 12, 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 Jumbo
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Valid Thru: 06/28/2026
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
9077 Charlotte Hwy, Portland, MI 48875
IRA Certificate 36 months
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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—
UpdatedJul 10, 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 Certificate of Deposit
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
9077 Charlotte Hwy, Portland, MI 48875
36 months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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—
UpdatedJul 11, 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 - Blended APY
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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—
UpdatedJul 11, 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
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Valid Thru: 06/28/2026
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—
UpdatedJul 11, 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—
UpdatedJul 10, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
IRAs - 36 Month*
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 10, 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—
UpdatedJul 8, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
715 Terrace St, Muskegon, MI 49440
36 month
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
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—
UpdatedJul 6, 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—
UpdatedJul 12, 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—
UpdatedJul 12, 2026
Details
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—
UpdatedJul 12, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
3355 University Dr, Auburn Hills, MI 48326
36-Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Technical Center, Saline, MI 48176
36-Month Fixed IRA Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Minimum balance to earn APY: $100,000, $40,000, $100
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—
UpdatedJul 6, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
IRAs - Regular Certificates 36 Month
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
Regular Certificates 36 Month
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 10, 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—
UpdatedJul 11, 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—
UpdatedJul 11, 2026
Details
WEST MICHIGAN POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 7.94%
800 1st St, Muskegon, MI 49440
Share Certificates of Deposit - 36 Months
$0
3.42%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
4635 44th St SE, Grand Rapids, MI 49512
36 Month
$500
3.34%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedJul 13, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
630 32nd St SE, Grand Rapids, MI 49548 2306
36 month CD
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Dearborn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
22315 Michigan Ave, Dearborn, MI 48124
3 YEAR IRA
$250
3.30%
▼
Rate3.30%
Min Deposit$250
Min Balance—
UpdatedJul 12, 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
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
6180 State St, Saginaw, MI 48603
36 Month
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
G3381 Van Slyke Rd, Flint, MI 48507 3263
36 Months
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
2182 Lakeshore Dr, Muskegon, MI 49441 1414
36 Month CD
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 8, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
2182 Lakeshore Dr, Muskegon, MI 49441 1414
36 MO IRA Certificate
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 8, 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
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI 48091 4073
3 years
$75,000
3.13%
▼
Rate3.10%
Min Deposit$75,000
Min Balance—
UpdatedJul 8, 2026
Details
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
600 E Lyon Rd, Midland, MI 48640 5396
36 Months
$0
3.07%
▼
Rate3.03%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
600 E Lyon Rd, Midland, MI 48640 5396
HSA CD 36 Months
$0
3.07%
▼
Rate3.03%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Priority Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 21.95%
6000 28th St SE Ste 100, Grand Rapids, MI 49546 6927
36 Month CD
$500
3.04%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
1
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
3 Year
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Baraga County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
101 E Broad St, Lanse, MI 49946 1013
IRA 36 Month CD
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
No Fees
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
125 W Saginaw St, Merrill, MI 48637
36 Month CD
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI 48091 4073
3 years
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJul 8, 2026
Details
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 36 Month
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
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—
UpdatedJul 8, 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
4.09%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY* is 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
IRA Certificates 4 Years
$0
4.04%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
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—
UpdatedJul 12, 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 Jumbo
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Valid Thru: 06/28/2026
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—
UpdatedJul 10, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
IRAs - 48 Month*
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 10, 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
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Valid Thru: 06/28/2026
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—
UpdatedJul 8, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
Regular Certificates 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
IRAs - Regular Certificates 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 10, 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—
UpdatedJul 6, 2026
Details
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—
UpdatedJul 11, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Technical Center, Saline, MI 48176
48-Month Fixed IRA Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Minimum balance to earn APY: $100,000, $40,000, $100
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—
UpdatedJul 6, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
715 Terrace St, Muskegon, MI 49440
48 month
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
4635 44th St SE, Grand Rapids, MI 49512
48 Month
$500
3.44%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJul 13, 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
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedJul 6, 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—
UpdatedJul 11, 2026
Details
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
4635 44th St SE, Grand Rapids, MI 49512
48 Month - Traditional or Roth
$1,000
3.39%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedJul 13, 2026
Details
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—
UpdatedJul 8, 2026
Details
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
6230 Orchard Lake Rd, West Bloomfield, MI 48322
48 Month
$0
3.27%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 8, 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—
UpdatedJul 8, 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—
UpdatedJul 8, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
3355 University Dr, Auburn Hills, MI 48326
48-Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
G3381 Van Slyke Rd, Flint, MI 48507 3263
48 Months
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
9077 Charlotte Hwy, Portland, MI 48875
IRA Certificate 48 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
6180 State St, Saginaw, MI 48603
48 Month
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
9077 Charlotte Hwy, Portland, MI 48875
48 months
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI 48091 4073
4 years
$75,000
3.13%
▼
Rate3.10%
Min Deposit$75,000
Min Balance—
UpdatedJul 8, 2026
Details
Gogebic Range Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.26%
207 Cedar Street, Ewen, MI 49925
IRA 48 Month CD
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
125 W Saginaw St, Merrill, MI 48637
48 Month CD
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gogebic Range Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.26%
207 Cedar Street, Ewen, MI 49925
48 Month CD
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI 48091 4073
4 years
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJul 8, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
9048 HOLLY RD, GRAND BLANC, MI 48439
Jumbo Term Share Certificates - 4 Years
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
PORT CITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
460 W Laketon Ave, Muskegon, MI 49441 2632
48 Months
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Range Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
100 N Front St, Marquette, MI 49855
48 Months
$1,000
3.00%
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 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
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
106 N Marketplace Blvd, Lansing, MI 48917 7753
IRA Certificate 48 Month
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
You are solely responsible for complying with any requirements including transaction limitations and penalties for early withdrawal under the Internal Revenue Code or other applicable Federal or State law governing any IRA or other Credit Union accounts.
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
106 N Marketplace Blvd, Lansing, MI 48917 7753
Regular Term Share Certificate 48 Month
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Regular Term Share Certificates require a minimum balance of $50 to open. Regular term CDs allow additional add on deposits.
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
600 E Lyon Rd, Midland, MI 48640 5396
HSA CD 48 Months
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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
2.94%
▼
Rate2.73%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
235 Quincy St, Hancock, MI 49930
48 Month
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
The Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
39139 Mound Rd, Sterling Heights, MI 48310 2737
48 Month
$500
2.85%
▼
Rate2.82%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4550 Division St, Trenton, MI 48183
4 Year Tier 3
$0
2.85%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4550 Division St, Trenton, MI 48183
4 Year Tier 2
$0
2.80%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
1100 S Bagley St, Alpena, MI 49707 8104
4 Year
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Interest Period Compounded & Credited: Quarterly
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
1100 S Bagley St, Alpena, MI 49707 8104
4 Year Youth
$100
2.78%
▼
Rate2.75%
Min Deposit$100
Min Balance—
UpdatedJul 11, 2026
Details
Interest Period Compounded & Credited: Quarterly
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
4 Year
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
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—
UpdatedJul 8, 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
4.08%
▼
Rate4.02%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY* is subject to change at any time. 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—
UpdatedJul 10, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
IRA Certificates 5 Years
$0
4.03%
▼
Rate3.97%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
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
5 Year
$0
3.96%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 12, 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 26, 2026
Details
Valid Thru: 06/28/2026
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—
UpdatedJul 10, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
IRAs - 60 Month*
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 10, 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 26, 2026
Details
Valid Thru: 06/28/2026
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
Regular Certificates 60 Month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
IRAs - Regular Certificates 60 Month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 10, 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—
UpdatedJul 8, 2026
Details
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—
UpdatedJul 6, 2026
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
6640 Bay Rd, Saginaw, MI 48604
60 Months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJul 10, 2026
Details
Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice.
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—
UpdatedJul 11, 2026
Details
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
6230 Orchard Lake Rd, West Bloomfield, MI 48322
60 Month
$0
3.54%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
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—
UpdatedJul 8, 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—
UpdatedJul 8, 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—
UpdatedJul 12, 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—
UpdatedJul 8, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
715 Terrace St, Muskegon, MI 49440
60 month
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 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—
UpdatedJul 6, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Technical Center, Saline, MI 48176
60-Month Fixed IRA Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Minimum balance to earn APY: $100,000, $40,000, $100
WEST MICHIGAN POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 7.94%
800 1st St, Muskegon, MI 49440
Share Certificates of Deposit - 60 Months
$0
3.43%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
630 32nd St SE, Grand Rapids, MI 49548 2306
60 month CD
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedJul 6, 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—
UpdatedJul 11, 2026
Details
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
G3381 Van Slyke Rd, Flint, MI 48507 3263
60 Months
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
3355 University Dr, Auburn Hills, MI 48326
60-Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
6180 State St, Saginaw, MI 48603
60 Month
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Priority Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 21.95%
6000 28th St SE Ste 100, Grand Rapids, MI 49546 6927
60 Month CD
$500
3.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 7, 2026
Details
1
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
5 Year
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
9077 Charlotte Hwy, Portland, MI 48875
IRA Certificate 60 months
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
9048 HOLLY RD, GRAND BLANC, MI 48439
Jumbo Term Share Certificates - 5 Years
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
9077 Charlotte Hwy, Portland, MI 48875
60 months
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
125 W Saginaw St, Merrill, MI 48637
60 Month CD
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
1100 S Bagley St, Alpena, MI 49707 8104
5 Year
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Interest Period Compounded & Credited: Quarterly
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
1100 S Bagley St, Alpena, MI 49707 8104
5 Year Youth
$100
3.03%
▼
Rate3.00%
Min Deposit$100
Min Balance—
UpdatedJul 11, 2026
Details
Interest Period Compounded & Credited: Quarterly
Community Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
18925 Telegraph Rd, Brownstown, MI 48174 9546
5 Year Certificate
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 6, 2026
Details
St Francis X Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
2140 M 119, Petoskey, MI 49770
60 Months CD & IRA CD
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
The Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
39139 Mound Rd, Sterling Heights, MI 48310 2737
60 Month
$500
3.00%
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
PORT CITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
460 W Laketon Ave, Muskegon, MI 49441 2632
60 Months
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Range Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
100 N Front St, Marquette, MI 49855
60 Months
$1,000
3.00%
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 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
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4550 Division St, Trenton, MI 48183
5 Year Tier 3
$0
2.95%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
106 N Marketplace Blvd, Lansing, MI 48917 7753
Regular Term Share Certificate 60 Month
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Regular Term Share Certificates require a minimum balance of $50 to open. Regular term CDs allow additional add on deposits.
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
106 N Marketplace Blvd, Lansing, MI 48917 7753
IRA Certificate 60 Month
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
You are solely responsible for complying with any requirements including transaction limitations and penalties for early withdrawal under the Internal Revenue Code or other applicable Federal or State law governing any IRA or other Credit Union accounts.
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
5 Year
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4550 Division St, Trenton, MI 48183
5 Year Tier 2
$0
2.90%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
235 Quincy St, Hancock, MI 49930
60 Month
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4550 Division St, Trenton, MI 48183
5 Year Tier 1
$0
2.85%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Powered by
MonitorBankRates
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
3.158%
▲ 0.388 vs 7 days ago
Michigan 12-month CD rates rose 0.388 points over the past 7 days to 3.158% APY.
6-Month CD — MI Avg
2.842%
▼ 0.036 vs 7 days ago
Michigan 6-month CD rates fell 0.036 points over the past 7 days to 2.842% APY.
As of Jul 13, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
MI CD Rate Forecast — Next 12 Months
Where are Michigan CD rates headed through July 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MI 12-Month Avg APY
3.158%
6-Month Forecast
3.158%
Range: 2.96% – 3.31%
12-Month Forecast
2.908%
Range: 2.71% – 3.06%
Powered by
MonitorBankRates
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 | 2.356% | $117.80 | $235.60 | $589.00 | $1,178.00 |
| 6-Month CD | 2.842% | $142.11 | $284.22 | $710.55 | $1,421.10 |
| 12-Month CD | 3.158% | $157.88 | $315.75 | $789.38 | $1,578.75 |
| 18-Month CD | 2.959% | $147.93 | $295.86 | $739.65 | $1,479.30 |
| 24-Month CD | 2.935% | $146.76 | $293.51 | $733.78 | $1,467.55 |
| 36-Month CD | 3.022% | $151.11 | $302.21 | $755.53 | $1,511.05 |
| 48-Month CD | 2.932% | $146.59 | $293.18 | $732.95 | $1,465.90 |
| 60-Month CD | 2.993% | $149.63 | $299.26 | $748.15 | $1,496.30 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of July 13, 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 | 2.356% | $117.80 |
| 2 | 6-Month CD | $5,000 | 2.842% | $142.11 |
| 3 | 12-Month CD | $5,000 | 3.158% | $157.88 |
| 4 | 24-Month CD | $5,000 | 2.935% | $146.76 |
| 5 | 36-Month CD | $5,000 | 3.022% | $151.11 |
| Total ($25,000 invested) | $25,000 | 2.863% blended | $715.66/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.
651
CD Rates
Tracked in Michigan
Tracked in Michigan
25 Banks
49 Credit Unions
About Our Michigan CD Rate Database
MonitorBankRates tracks 651 CD rates from 25 banks and 49 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: Southeast Michigan State Employees Federal Credit Union offers a CD at 6.75% 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 49 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 — 74 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
$136/yr
At MI 12-mo avg 3.158% 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 3.158%, saving 10% of the local median salary ($4,293/year) and putting it in a CD would earn an additional $136 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, Southeast Michigan State Employees Federal Credit Union is offering its 6 Month Certificate at 6.75% 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:
- Southeast Michigan State Employees Federal Credit Union: 6.75% APY (6 Month Certificate)
- OMNI Community Credit Union: 5.00% APY (12 Month Youth Special)
- People Driven Credit Union: 4.50% APY (1 Year Youth)
- Gerber Federal Credit Union: 4.50% APY (Share Certificates and IRA Certificates 48 Month)
- CIBC: 4.15% APY (18-month CD)
- UNIFY Financial Federal Credit Union: 4.12% APY (36-Month Variable IRA Certificate)
- Genisys Credit Union: 4.09% APY (Jumbo and Jumbo IRA Certificates 4 Years)
- Maui Teachers Federal Credit Union: 4.06% APY (6 Month Share Certificate SPECIAL!)
- Muskegon Federal Credit Union: 4.06% APY (IRA & SHARE CERTIFICATES 2 YEAR)
- Extra Credit Union: 4.06% APY (Fixed-Rate Certificates 60 Months)
Rates reflect recent verified offers available in Michigan. Last Updated: July 13, 2026
CD Calculators for Michigan
Michigan CD Calculator
At today’s MI top rate of 6.75% APY, a $10,000 deposit earns $675 in the first year. Enter your amount to see your exact return.
Michigan CD LadderMI CD rates currently range from 2.356% (3-month) to 3.022% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Michigan CD at 6.75% 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 3.158% 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: July 13, 2026
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