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Michigan Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Michigan CD rates include Diversified Members Credit UnionDiversified Members Credit Union1480 E Jefferson Ave, Detroit, MI 48207A+5.0 ★Texas Ratio: 4.56%Real return: +2.35%APY minus CPI (February 2026) offering 12 Month Legacy CD at 5.15% APY, Michigan One Community Credit UnionMichigan One Community Credit Union510 S Dexter St, Ionia, MI 48846A+5.0 ★Texas Ratio: 1.59%Real return: +2.32%APY minus CPI (February 2026) offering 60 Month Minor CD Special at 5.12% APY, United Financial Credit UnionUnited Financial Credit Union6310 Dixie Hwy, Bridgeport, MI 48722A+5.0 ★Texas Ratio: 2.20%Real return: +2.25%APY minus CPI (February 2026) offering 6 month - 4H or FFA CD at 5.05% APY, First National Bank of MichiganFirst National Bank of Michigan348 W Michigan Ave, Kalamazoo, MI 49007A5.0 ★Texas Ratio: 7.32%Real return: +2.20%APY minus CPI (February 2026) offering 3-Year Rising Rate Certificate of Deposit - Year 3 term at 5.00% APY, and OMNI Community Credit UnionOMNI Community Credit Union3141 Capital Ave SW, Battle Creek, MI 49015A+5.0 ★Texas Ratio: 2.34%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Youth Special at 5.00% APY. CD rates as of September 21, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Michigan side-by-side. Michigan CD rates currently reach as high as 5.15% APY from Diversified Members Credit Union at 1480 E Jefferson Ave, Detroit, MI 48207. Rates are continually updated, so 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: September 21, 2026
Compare Best CD Rates in Michigan
Michigan 3 Month CD Rates
MonitorBankRates National Average · 3 Month CD2.06% APY▲ 0.02% from last week
The national average 3-month CD rate is 2.06% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
7665 Merriman Rd, Romulus, MI 48174 1920
Jumbo CD 3 Months
$3,000,000
4.32%
▲ 2.26% above national avg
▼
Rate4.25%
Min Deposit$3,000,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 2.26% above avg
Details
Min: $3,000,000 Max: $6,000,000
First State Bank (MI)
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
16100 E 9 Mile Rd, Eastpointe, MI 48021
90 Day Jumbo CDs
$0
4.10%
▲ 2.04% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 2.04% above avg
Details
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
7665 Merriman Rd, Romulus, MI 48174 1920
Jumbo CD 3 Months
$500,000
4.06%
▲ 2.00% above national avg
▼
Rate4.00%
Min Deposit$500,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 2.00% above avg
Details
Min: $500,000 Max: $6,000,000
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
5600 Beechtree Ln SE, Caledonia, MI 49316 9587
3 Month Share Certificate
$0
4.00%
▲ 1.94% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.94% above avg
Details
Limited Time 3 Month and 6 Month Share Certificates available on new Certificates. This is a promotional yield of 4.00% APY; Annual Percentage Yield (APY) is calculated on a 3.93% base rate. Yields are subject to change without notice. "Limited Time 3-Month and 6-Month" Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. $1,000.00 minimum balance, regular Share Certificate requirement on a 365-day basis compounding monthly or at account closure. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity.
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
5600 Beechtree Ln SE, Caledonia, MI 49316 9587
3-Month Certificate
$0
4.00%
▲ 1.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.94% above avg
Details
No minimum deposit.
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
3355 University Dr, Auburn Hills, MI 48326
3-Month HYRC Certificate
$0
4.00%
▲ 1.94% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.94% above avg
Details
Qualifications Required: High-Yield Rewards Checking Account required; High-Yield Rewards Checking Account required
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
600 E Lyon Rd, Midland, MI 48640 5396
3 Month Simple CDs
$0
4.00%
▲ 1.94% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.94% above avg
Details
West Shore Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
201 W Loomis St, Ludington, MI 49431
3 Month CD Specials
$0
3.90%
▲ 1.84% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.84% above avg
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
3355 University Dr, Auburn Hills, MI 48326
3-Month Certificate
$0
3.75%
▲ 1.69% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.69% above avg
Details
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
241 E Saginaw St, East Lansing, MI 48823
3 Month Certificate of Deposit
$0
3.60%
▲ 1.54% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.54% above avg
Details
St Francis X Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
2140 M 119, Petoskey, MI 49770
3 Month CD & IRA CD
$0
3.60%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.54% above avg
Details
Independent Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.57%
1075 E Wilcox Ave, White Cloud, MI 49349
3-Month CD Special
$1,000
3.56%
▲ 1.50% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.50% above avg
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
9048 HOLLY RD, GRAND BLANC, MI 48439
3 Month Term Share Certificates
$0
3.40%
▲ 1.34% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.34% above avg
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
9048 HOLLY RD, GRAND BLANC, MI 48439
Jumbo Term Share Certificates - 3 Months
$0
3.40%
▲ 1.34% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.34% above avg
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
4866 Alpine Ave NW, Comstock Park, MI 49321 8579
3 Month IRA/HSA CD
$500
3.30%
▲ 1.24% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.24% above avg
Details
VIP Bonus Rate: 3.49%, VIP Bonus APY: 3.55%
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
1100 S Bagley St, Alpena, MI 49707 8104
90 Day Certificate
$500
3.29%
▲ 1.23% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.23% above avg
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
1100 S Bagley St, Alpena, MI 49707 8104
90 Day Youth
$100
3.29%
▲ 1.23% above national avg
▼
Rate3.25%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.23% above avg
Details
Bank of Ann Arbor
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
101 E Grand River Ave, Howell, MI 48843
3 Month Retail CD
$1,000
3.25%
▲ 1.19% above national avg
▼
Rate3.22%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.19% above avg
Details
For deposits of $1,000 to $99,999. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026.
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
9048 HOLLY RD, GRAND BLANC, MI 48439
3 Month AMP Term Share Certificates
$0
3.25%
▲ 1.19% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.19% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
3777 West Rd, East Lansing, MI 48823 8029
3-Month Certificate or IRA-HSA Jumbo
$0
3.15%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.09% above avg
Details
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
1619 Plainfield AVE NE, Grand Rapids, MI 49505 4703
3 Month Term Share Certificate
$0
3.15%
▲ 1.09% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.09% above avg
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
4866 Alpine Ave NW, Comstock Park, MI 49321 8579
3 Month CD
$500
3.15%
▲ 1.09% above national avg
▼
Rate3.11%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.09% above avg
Details
VIP Bonus Rate: 3.35%, VIP Bonus APY: 3.40%
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
106 N Marketplace Blvd, Lansing, MI 48917 7753
HSA IRA Certificates - 3 Month
$0
3.10%
▲ 1.04% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.04% above avg
Details
Term Share, Youth, IRA, & HSA Certificates
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
106 N Marketplace Blvd, Lansing, MI 48917 7753
HSA Regular Term Share Certificates - 3 Month
$50
3.10%
▲ 1.04% above national avg
▼
Rate3.06%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.04% above avg
Details
Term Share, Youth, IRA, & HSA Certificates
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
S216 Menominee St, Stephenson, MI 49887
Relationship CD - 3 Month
$0
3.05%
▲ 0.99% above national avg
▼
Rate3.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.99% above avg
Details
West Shore Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
201 W Loomis St, Ludington, MI 49431
3 Month Certificates of Deposit (CDs)
$0
3.00%
▲ 0.94% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.94% above avg
Details
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
6000 28th St NE, Grand Rapids, MI 49546
3 Month Share Certificates
$0
3.00%
▲ 0.94% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.94% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
3777 West Rd, East Lansing, MI 48823 8029
3-Month Certificate or IRA-HSA
$0
3.00%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.94% above avg
Details
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
6246 Chase Rd, Dearborn, MI 48126
3 Month Cert / IRA
$1,000
3.00%
▲ 0.94% above national avg
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.94% above avg
Details
Penalty: 90 days*
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
580 N Main St, Frankenmuth, MI 48734
3 Month CD and up Term
$0
2.95%
▲ 0.89% above national avg
▼
Rate2.91%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.89% above avg
Details
$250,000; Balance: $250,000 and up
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
580 N Main St, Frankenmuth, MI 48734
3 Month CD Term
$0
2.90%
▲ 0.84% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.84% above avg
Details
$150,000 - $249,000; Balance: $150,000 - $249,000
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
3558 Sterns Rd, Lambertville, MI 48144
3 Month Certificate
$500
2.89%
▲ 0.83% above national avg
▼
Rate2.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.83% above avg
Details
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
580 N Main St, Frankenmuth, MI 48734
3 Month CD Term
$0
2.85%
▲ 0.79% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.79% above avg
Details
$100,000 - $149,000; Balance: $100,000 - $149,000
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
580 N Main St, Frankenmuth, MI 48734
3 Month CD Term
$0
2.80%
▲ 0.74% above national avg
▼
Rate2.76%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.74% above avg
Details
$500 - $99,999; Balance: $500 - $99,999
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
S216 Menominee St, Stephenson, MI 49887
CD - 3 Month
$0
2.75%
▲ 0.69% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.69% above avg
Details
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
4635 44th St SE, Grand Rapids, MI 49512
90 Day Share Certificate
$1,000
2.52%
▲ 0.46% above national avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.46% above avg
Details
The Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
39139 Mound Rd, Sterling Heights, MI 48310 2737
3 Month Term Share Certificate
$500
2.50%
▲ 0.44% above national avg
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.44% above avg
Details
Lake-Osceola State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
790 Michigan Ave, Baldwin, MI 49304
90 Day CD
$5,000
2.27%
▲ 0.21% above national avg
▼
Rate2.25%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.21% above avg
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
2303 S Center Rd, Burton, MI 48519 1147
3 Month Certificate
$0
2.25%
▲ 0.19% above national avg
▼
Rate2.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.19% above avg
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
2303 S Center Rd, Burton, MI 48519 1147
3 Month Certificate
$0
2.20%
▲ 0.14% above national avg
▼
Rate2.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.14% above avg
Details
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
348 W Michigan Ave, Kalamazoo, MI 49007
90 Day Certificate of Deposit
$0
2.17%
▲ 0.11% above national avg
▼
Rate2.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.11% above avg
Details
Balance: $100,000+
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
2303 S Center Rd, Burton, MI 48519 1147
3 Month Share Certificate
$0
2.15%
▲ 0.09% above national avg
▼
Rate2.13%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.09% above avg
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
2303 S Center Rd, Burton, MI 48519 1147
3 Month Certificate
$0
2.10%
▲ 0.04% above national avg
▼
Rate2.08%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.04% above avg
Details
Michigan 6 Month CD Rates
MonitorBankRates National Average · 6 Month CD2.77% APY▲ 0.02% from last week
The national average 6-month CD rate is 2.77% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
6310 Dixie Hwy, Bridgeport, MI 48722
6 month - 4H or FFA CD
$0
5.05%
▲ 2.28% above national avg
▼
Rate4.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 2.28% above avg
Details
Minimum: Amount of 4H or FFA - Youth Fair Participation Check; Max $5,000
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
6310 Dixie Hwy, Bridgeport, MI 48722
6 month SmartStart Youth CD
$0
5.00%
▲ 2.23% above national avg
▼
Rate4.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 2.23% above avg
Details
1 per member; Members may open a 2nd CD if joint owner has an Elite Checking Account
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
348 W Michigan Ave, Kalamazoo, MI 49007
Rising Rate Certificate of Deposit - Third 6-month Term
$0
4.75%
▲ 1.98% above national avg
▼
Rate4.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.98% above avg
Details
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
348 W Michigan Ave, Kalamazoo, MI 49007
Rising Rate Certificate of Deposit - Second 6-month Term
$0
4.50%
▲ 1.73% above national avg
▼
Rate4.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.73% above avg
Details
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
348 W Michigan Ave, Kalamazoo, MI 49007
Rising Rate Certificate of Deposit - First 6-month Term
$0
4.25%
▲ 1.48% above national avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.48% above avg
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
6 Month Certificate of Deposit
$0
4.10%
▲ 1.33% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.33% above avg
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
6 Month IRA Certificate of Deposit
$0
4.10%
▲ 1.33% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.33% above avg
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
808 E Front St, Buchanan, MI 49107 1444
6 month Share Certificate Special
$0
4.05%
▲ 1.28% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.28% above avg
Details
When paired with an Ultra Checking account, earn up to 4.05% APY for 6 months
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
507 E Main St, Niles, MI 49120 2617
6 Month Term Share Certificate
$100
4.02%
▲ 1.25% above national avg
▼
Rate3.95%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.25% above avg
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
5600 Beechtree Ln SE, Caledonia, MI 49316 9587
6 Month Share Certificate
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
Limited Time 3 Month and 6 Month Share Certificates available on new Certificates. This is a promotional yield of 4.00% APY; Annual Percentage Yield (APY) is calculated on a 3.93% base rate. Yields are subject to change without notice. "Limited Time 3-Month and 6-Month" Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. $1,000.00 minimum balance, regular Share Certificate requirement on a 365-day basis compounding monthly or at account closure. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity.
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
2929 3rd Ave N, Escanaba, MI 49829 4203
6 Month Certificate
$500
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.77%▲ 1.23% above avg
Details
Substantial penalty for early withdrawals.
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
2929 3rd Ave N, Escanaba, MI 49829 4203
6 Month IRA Certificate
$0
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.77%▲ 1.23% above avg
Details
IRA - Individual accounts only
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
2929 3rd Ave N, Escanaba, MI 49829 4203
6 Month Youth
$100
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.77%▲ 1.23% above avg
Details
Substantial penalty for early withdrawals.
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
30400 Telegraph Rd Ste 122, Bingham Farms, MI 48025
6 Month Certificate of Deposit
$0
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.23% above avg
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
30400 Telegraph Rd Ste 122, Bingham Farms, MI 48025
6 Month IRA Certificate of Deposit
$0
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.23% above avg
Details
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.27%
1011 N Michigan Ave, Saginaw, MI 48602 4326
6 Month Certificate of Deposit
$500
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
20252 Ecorse Rd, Taylor, MI 48180
6 Month CD SPECIAL!
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
20252 Ecorse Rd, Taylor, MI 48180
6 Month Certificate
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
20252 Ecorse Rd, Taylor, MI 48180
CD SPECIAL! - 6 month term
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
*CD SPECIAL!* - 4.00% APY* - 6 month term *3.93% APR
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
3355 University Dr, Auburn Hills, MI 48326
6-Month HYRC Certificate
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
Qualifications Required: High-Yield Rewards Checking Account required; High-Yield Rewards Checking Account required
First State Bank (MI)
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
16100 E 9 Mile Rd, Eastpointe, MI 48021
180 Day Jumbo CDs
$0
3.95%
▲ 1.18% above national avg
▼
Rate3.91%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.18% above avg
Details
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
11756 Charest St, Hamtramck, MI 48212
6 Month Certificate
$0
3.95%
▲ 1.18% above national avg
▼
Rate3.91%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.18% above avg
Details
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
1001 W Baraga Ave, Marquette, MI 49855
6 Month Certificate
$0
3.90%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.13% above avg
Details
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
600 E Lyon Rd, Midland, MI 48640 5396
6 Month Simple CDs
$0
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.13% above avg
Details
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
241 E Saginaw St, East Lansing, MI 48823
6 Month Certificate of Deposit
$0
3.85%
▲ 1.08% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.08% above avg
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
1100 S Bagley St, Alpena, MI 49707 8104
180 Day Certificate
$500
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
1100 S Bagley St, Alpena, MI 49707 8104
180 Day Youth
$100
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details
West Shore Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
201 W Loomis St, Ludington, MI 49431
6 Month CD Specials
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.03% above avg
Details
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
2665 Reserve Rd, Houghton Lake, MI 48629
6 MONTH CD
$50,000
3.80%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details
AAC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
904 Broadway Ave NW, Grand Rapids, MI 49504 4415
6 Month Certificate of Deposit
$0
3.80%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details
Rates also apply to IRA and HSA Certificates of Deposit.
Advantage One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
13050 Fort St, Southgate, MI 48195 1101
6 Month Certificate
$0
3.80%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details
Wolverine State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
1381 N Bagley St, Alpena, MI 49707 8101
6 MONTH YOUTH CD
$100
3.79%
▲ 1.02% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.02% above avg
Details
Advantage One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
13050 Fort St, Southgate, MI 48195 1101
6-Month Youth Certificate
$0
3.79%
▲ 1.02% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.02% above avg
Details
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
525 W Willow St, Lansing, MI 48906 4745
6 Month Certificates & IRA Certificates of Deposit
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details
Balance: $50,000 and above
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
525 W Willow St, Lansing, MI 48906 4745
6 Month Certificates of Deposit
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details
Balance: $50,000 and above
Harborlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
2151 Cogswell Dr, Whitehall, MI 49461
6 Month Certificate of Deposit
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
600 W Wackerly St, Midland, MI 48640 4702
6 Month Certificates of Deposit and IRA Certificates of Deposit
$500
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
0.10% APY bonus earned if you also have a M1 Premier Checking Account.
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
20252 Ecorse Rd, Taylor, MI 48180
Youth Certificates - 6 month
$200
3.75%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
Youth Certificates ($200 min. $1000 max)
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
1319 Front Ave NW, Grand Rapids, MI 49504
6 Month CD Special
$500
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
GR Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
17010 Croswell St, West Olive, MI 49460 9748
6 Month Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
Maximum deposit of $250,000.00 per member.
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
3355 University Dr, Auburn Hills, MI 48326
6-Month Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
PORT CITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
460 W Laketon Ave, Muskegon, MI 49441 2632
6 Month Certificate
$500
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
211 W Center St, Alma, MI 48801 2206
6 Month Certificate
$0
3.71%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.94% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
3777 West Rd, East Lansing, MI 48823 8029
6-Month Certificate or IRA-HSA Jumbo
$0
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.93% above avg
Details
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
2665 Reserve Rd, Houghton Lake, MI 48629
6 MONTH CD
$500
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details
Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
1805 S Stephenson Ave, Iron Mountain, MI 49801
6-Month CD
$2,500
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details
New Money required. Offer subject to change or cancellation at any time without notice. Limited-time offer.
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
1319 Front Ave NW, Grand Rapids, MI 49504
6 month CD Special
$0
3.69%
▲ 0.92% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.92% above avg
Details
Limited time offer begins 8/4/25. Rates subject to change. A penalty may be imposed for early withdrawal. $5.00 Savings Account required.
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
6640 Bay Rd, Saginaw, MI 48604
6 Month Youth Certificate
$0
3.66%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.89% above avg
Details
Must be 25 or younger. $2,000 maximum deposit. Deposits: $50 Increments. Up to 10 Youth CD's per youth account. APY will vary depending on the initial certificate deposit amount. There is a penalty for early withdrawal.
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
1419 N 2nd St, Ishpeming, MI 49849 1149
6 MONTH CERTIFICATE
$500
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
Safe Harbor Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.11%
5511 W US Highway 10, Ludington, MI 49431 2455
6 Month High Yield Certificate
$1,000
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
Michigan 12 Month CD Rates
MonitorBankRates National Average · 12 Month CD2.95% APY▲ 0.03% from last week
The national average 12-month CD rate is 2.95% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Diversified Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1480 E Jefferson Ave, Detroit, MI 48207
12 Month Legacy CD
$0
5.15%
▲ 2.20% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 2.20% above avg
Details
Diversified Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1480 E Jefferson Ave, Detroit, MI 48207
12 Month Legacy Certificate of Deposit
$0
5.15%
▲ 2.20% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 2.20% above avg
Details
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
3141 Capital Ave SW, Battle Creek, MI 49015
12 Month Youth Special
$0
5.00%
▲ 2.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 2.05% above avg
Details
Term: 12 Month Youth Special
Best Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
12 Month Super Kids
$100
5.00%
▲ 2.05% above national avg
▼
Rate4.91%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 2.05% above avg
Details
Early Withdrawal Penalty: 90 days interest
FreeStar Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
37570 S Gratiot Ave, Clinton Township, MI 48036
iSave Youth (1 Year) - Military
$25
4.50%
▲ 1.55% above national avg
▼
Rate4.41%
Min Deposit$25
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.55% above avg
Details
Qualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.
FreeStar Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
37570 S Gratiot Ave, Clinton Township, MI 48036
Save to Win (1 year) - Military
$25
4.50%
▲ 1.55% above national avg
▼
Rate4.41%
Min Deposit$25
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.55% above avg
Details
Qualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.
People Driven Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
24333 Lahser Rd, Southfield, MI 48033 6041
1 Year Youth
$0
4.50%
▲ 1.55% above national avg
▼
Rate4.43%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.55% above avg
Details
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
1619 Plainfield AVE NE, Grand Rapids, MI 49505 4703
12 Month Youth Share Certificate
$0
4.50%
▲ 1.55% above national avg
▼
Rate4.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.55% above avg
Details
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
348 W Michigan Ave, Kalamazoo, MI 49007
12 Month Certificate of Deposit
$0
4.35%
▲ 1.40% above national avg
▼
Rate4.27%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.40% above avg
Details
Wolverine State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
1381 N Bagley St, Alpena, MI 49707 8101
1 YEAR YOUTH CD
$100
4.34%
▲ 1.39% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.39% above avg
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
12 Months Certificate
$0
4.19%
▲ 1.24% above national avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.24% above avg
Details
Family Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
4075 W Polk Rd, Hart, MI 49420 8177
12 Month Jumbo Certificate of Deposit
$25,000
4.18%
▲ 1.23% above national avg
▼
Rate4.10%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.23% above avg
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
34901 Woodward Ave, Birmingham, MI 48009
12-month CD
$1,000
4.15%
▲ 1.20% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.20% above avg
Details
First State Bank (MI)
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
16100 E 9 Mile Rd, Eastpointe, MI 48021
1 Year Jumbo CDs
$0
4.10%
▲ 1.15% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.15% above avg
Details
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
2929 3rd Ave N, Escanaba, MI 49829 4203
12 Month Certificate
$500
4.10%
▲ 1.15% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.95%▲ 1.15% above avg
Details
Substantial penalty for early withdrawals.
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
2929 3rd Ave N, Escanaba, MI 49829 4203
12 Month IRA Certificate
$0
4.10%
▲ 1.15% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.95%▲ 1.15% above avg
Details
IRA - Individual accounts only
Wolverine State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
1381 N Bagley St, Alpena, MI 49707 8101
1 YEAR CERTIFICATE
$500
4.08%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.13% above avg
Details
Family Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
4075 W Polk Rd, Hart, MI 49420 8177
12 Month Certificate of Deposit
$500
4.07%
▲ 1.12% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.12% above avg
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
1100 S Bagley St, Alpena, MI 49707 8104
12 Month Certificate
$500
4.06%
▲ 1.11% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.11% above avg
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
1100 S Bagley St, Alpena, MI 49707 8104
12 Month Youth
$100
4.06%
▲ 1.11% above national avg
▼
Rate4.00%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.11% above avg
Details
Wayne Westland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
500 S Wayne Rd, Westland, MI 48186 4361
12 Month Certificate
$0
4.06%
▲ 1.11% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.11% above avg
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
65 W LAKETON AVE, MUSKEGON, MI 49441
1 Year IRA & SHARE CERTIFICATES
$500
4.06%
▲ 1.11% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.11% above avg
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
12 Month YOUTH Certificate
$0
4.06%
▲ 1.11% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.11% above avg
Details
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
241 E Saginaw St, East Lansing, MI 48823
12 Month Certificate of Deposit
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
11756 Charest St, Hamtramck, MI 48212
1 Year Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.05% above avg
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
715 N Telegraph Rd, Monroe, MI 48162 5130
12 Month Youth CD
$250
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Youth CDs are available for members 18 years and under. Certificate must be opened under youth's name and SSN. The CD must have the same joint member as the savings account it is tied to.
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
20252 Ecorse Rd, Taylor, MI 48180
Youth Certificates - 1 year
$200
4.00%
▲ 1.05% above national avg
▼
Rate4.00%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Youth Certificates ($200 min. $1000 max)
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
8171 E 10 Mile Rd, Center Line, MI 48015 1449
12 Month Certificate
$500
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
8171 E 10 Mile Rd, Center Line, MI 48015 1449
12 Month Youth Certificate
$250
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Term: 12 Month Youth Certificate
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
8171 E 10 Mile Rd, Center Line, MI 48015 1449
IRA Certificate - 12 Month
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
3355 University Dr, Auburn Hills, MI 48326
12-Month HYRC Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Qualifications Required: High-Yield Rewards Checking Account required; High-Yield Rewards Checking Account required
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
1 Year Youth Flex Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Term: 1 Year Youth Flex Certificate; 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:
A5.0 ★Texas Ratio: 6.71%
2955 University Dr, Auburn Hills, MI 48326
NEW MONEY GenGrow 12-month CD
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
New Money Only; 1
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
600 E Lyon Rd, Midland, MI 48640 5396
12 Month Simple CDs
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
670 Cascade West Pkwy Se, Grand Rapids, MI 49546
12 Month Business Certificate of Deposit (CD)
$500
3.96%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.01% above avg
Details
Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
670 Cascade West Pkwy Se, Grand Rapids, MI 49546
12 month CD
$500
3.96%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.01% above avg
Details
Interest rates determined by Union Bank. Your certificate will renew for the same term, at the interest rate in effect at the time of maturity, if you do not redeem it. Interest earned may be added back to the certificate, paid by check or deposited in a checking or savings account. There is a 10-day grace period after the maturity date in which withdrawals or deposits can be made. Withdrawals made after the 10th day will be assessed a penalty. Certificates of Deposit opened online do not qualify for Class Act Club special interest rate increases.
Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
670 Cascade West Pkwy Se, Grand Rapids, MI 49546
12 Month Certificate of Deposit
$500
3.96%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.01% above avg
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
30400 Telegraph Rd Ste 122, Bingham Farms, MI 48025
12 Month Certificate of Deposit
$0
3.95%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.00% above avg
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
30400 Telegraph Rd Ste 122, Bingham Farms, MI 48025
12 Month IRA Certificate of Deposit
$0
3.95%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.00% above avg
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
12 Month Certificate of Deposit
$0
3.90%
▲ 0.95% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.95% above avg
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
12 Month IRA Certificate of Deposit
$0
3.90%
▲ 0.95% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.95% above avg
Details
Tri Cities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
905 Pennoyer Ave, Grand Haven, MI 49417
12-month certificate
$1,000
3.88%
▲ 0.93% above national avg
▼
Rate3.81%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.93% above avg
Details
Penalty may apply for early withdrawal. Rates subject to change.
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
2929 3rd Ave N, Escanaba, MI 49829 4203
12 Month Jump
$500
3.85%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.95%▲ 0.90% above avg
Details
Substantial penalty for early withdrawals.
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
2929 3rd Ave N, Escanaba, MI 49829 4203
12 Month Youth Jump
$100
3.85%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.95%▲ 0.90% above avg
Details
Substantial penalty for early withdrawals.
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
201 E M 55, Tawas City, MI 48763
12 Month Jumbo Certificates
$0
3.85%
▲ 0.90% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.90% above avg
Details
University of Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
340 E Huron St, Ann Arbor, MI 48104
12 Month IRA Certificate
$0
3.85%
▲ 0.90% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.90% above avg
Details
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
3089 44th St SW, Grandville, MI 49418 2501
12 Month Youth(Explorer) CD
$0
3.85%
▲ 0.90% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.90% above avg
Details
Youth(Explorer) CD
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
576 E Lincoln St, Birmingham, MI 48009 1757
1 Year CD
$10,000
3.85%
▲ 0.90% above national avg
▼
Rate3.80%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.90% above avg
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
576 E Lincoln St, Birmingham, MI 48009 1757
1 Year IRA CD
$4,000
3.85%
▲ 0.90% above national avg
▼
Rate3.80%
Min Deposit$4,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.90% above avg
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
1 Year Jumbo and Jumbo IRA Certificates
$0
3.85%
▲ 0.90% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.90% above avg
Details
$100,000 and Above
Michigan 18 Month CD Rates
MonitorBankRates National Average · 18 Month CD2.82% APY▼ 0.01% from last week
The national average 18-month CD rate is 2.82% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
241 E Saginaw St, East Lansing, MI 48823
18 Month Certificate Special
$0
4.20%
▲ 1.38% above national avg
▼
Rate4.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.38% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
S216 Menominee St, Stephenson, MI 49887
Relationship CD - 18 Month
$0
4.10%
▲ 1.28% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.28% above avg
Details
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
2929 3rd Ave N, Escanaba, MI 49829 4203
18 Month Certificate
$500
4.10%
▲ 1.28% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.82%▲ 1.28% above avg
Details
Substantial penalty for early withdrawals.
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
2929 3rd Ave N, Escanaba, MI 49829 4203
18 Month IRA Certificate
$0
4.10%
▲ 1.28% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.82%▲ 1.28% above avg
Details
IRA - Individual accounts only
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
3095 S Commerce Rd, Wolverine Lake, MI 48390 1418
18 Month Share Certificates
$1,000
4.10%
▲ 1.28% above national avg
▼
Rate4.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.28% above avg
Details
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
8171 E 10 Mile Rd, Center Line, MI 48015 1449
18 Month Certificate
$500
4.10%
▲ 1.28% above national avg
▼
Rate4.03%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.28% above avg
Details
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
8171 E 10 Mile Rd, Center Line, MI 48015 1449
IRA Certificate - 18 Month
$0
4.10%
▲ 1.28% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.28% above avg
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
18 Month Jumbo and Jumbo IRA Certificates
$0
4.01%
▲ 1.19% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.19% above avg
Details
$100,000 and Above
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
34901 Woodward Ave, Birmingham, MI 48009
18-month CD
$1,000
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.18% above avg
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
18 Month IRA Certificates
$0
3.96%
▲ 1.14% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.14% above avg
Details
Penalty for early withdrawal.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
18 Month Term Certificates
$0
3.96%
▲ 1.14% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.14% above avg
Details
Penalty for early withdrawal.
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
600 E Lyon Rd, Midland, MI 48640 5396
18 Month Simple CDs
$0
3.95%
▲ 1.13% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.13% above avg
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
576 E Lincoln St, Birmingham, MI 48009 1757
18 Month CD
$10,000
3.91%
▲ 1.09% above national avg
▼
Rate3.85%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.09% above avg
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
576 E Lincoln St, Birmingham, MI 48009 1757
18 Month IRA CD
$4,000
3.91%
▲ 1.09% above national avg
▼
Rate3.85%
Min Deposit$4,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.09% above avg
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
3558 Sterns Rd, Lambertville, MI 48144
18 Month Certificate
$500
3.87%
▲ 1.05% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.05% above avg
Details
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
2929 3rd Ave N, Escanaba, MI 49829 4203
18 Month Jump Rate Certificate
$500
3.85%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.82%▲ 1.03% above avg
Details
Substantial penalty for early withdrawals.
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
201 E M 55, Tawas City, MI 48763
18 Month Compounding Certificates
$0
3.85%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.03% above avg
Details
We may impose a penalty if you withdraw funds before the maturity date.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
3777 West Rd, East Lansing, MI 48823 8029
18 Month Certificate or IRA-HSA Jumbo
$0
3.85%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.03% above avg
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
576 E Lincoln St, Birmingham, MI 48009 1757
18 Month CD
$500
3.85%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.03% above avg
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
576 E Lincoln St, Birmingham, MI 48009 1757
18 Month IRA CD
$500
3.85%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.03% above avg
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
1100 S Bagley St, Alpena, MI 49707 8104
18 Month Certificate
$500
3.80%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.98% above avg
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
1100 S Bagley St, Alpena, MI 49707 8104
18 Month Youth
$100
3.80%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.98% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
S216 Menominee St, Stephenson, MI 49887
CD - 18 Month
$0
3.80%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.98% above avg
Details
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
201 E M 55, Tawas City, MI 48763
18 Month Certificate
$0
3.80%
▲ 0.98% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.98% above avg
Details
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
4411 Calkins Rd, Flint, MI 48532
18 Month Certificate of Deposit
$500
3.80%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.98% above avg
Details
Interest paid & compounded quarterly
Dearborn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
22315 Michigan Ave, Dearborn, MI 48124
18 MONTH VARIABLE RATE IRA
$100
3.79%
▲ 0.97% above national avg
▼
Rate3.73%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.97% above avg
Details
The interest rate and APY may change after account opening
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
235 Quincy St, Hancock, MI 49930
18 Month CD
$500
3.75%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.93% above avg
Details
Cannot be compounded, interest paid at maturity
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
4411 Calkins Rd, Flint, MI 48532
18 Month Certificate of Deposit
$500
3.75%
▲ 0.93% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.93% above avg
Details
Interest paid monthly
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
1001 W Baraga Ave, Marquette, MI 49855
18 Month Certificate
$0
3.75%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.93% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
3777 West Rd, East Lansing, MI 48823 8029
18 Month Certificate or IRA-HSA
$0
3.70%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.88% above avg
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
3355 University Dr, Auburn Hills, MI 48326
18-Month Certificate
$0
3.70%
▲ 0.88% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.88% above avg
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
18 Months Certificate
$0
3.67%
▲ 0.85% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.85% above avg
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
30400 Telegraph Rd Ste 122, Bingham Farms, MI 48025
18 Month Certificate of Deposit
$0
3.65%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.83% above avg
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
30400 Telegraph Rd Ste 122, Bingham Farms, MI 48025
18 Month IRA Certificate of Deposit
$0
3.65%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.83% above avg
Details
Security Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2404 S Linden Rd, Flint, MI 48532
1.5 Year IRA Share Certificates of Deposit
$0
3.60%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.78% above avg
Details
Security Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2404 S Linden Rd, Flint, MI 48532
1.5 Year Share Certificate of Deposit
$0
3.60%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.78% above avg
Details
Security Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2404 S Linden Rd, Flint, MI 48532
1.5 Year Share Certificates of Deposit
$0
3.60%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.78% above avg
Details
AAC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
904 Broadway Ave NW, Grand Rapids, MI 49504 4415
18 Month Certificate of Deposit
$0
3.60%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.78% above avg
Details
Rates also apply to IRA and HSA Certificates of Deposit.
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
525 W Willow St, Lansing, MI 48906 4745
18 Month Certificates & IRA Certificates of Deposit
$0
3.60%
▲ 0.78% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.78% above avg
Details
Balance: $50,000 and above
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
525 W Willow St, Lansing, MI 48906 4745
18 Month Certificates of Deposit
$0
3.60%
▲ 0.78% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.78% above avg
Details
Balance: $50,000 and above
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2182 Lakeshore Dr, Muskegon, MI 49441 1414
18 MO IRA Certificate
$500
3.55%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.73% above avg
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2182 Lakeshore Dr, Muskegon, MI 49441 1414
18 Month CD
$500
3.55%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.73% above avg
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
9048 HOLLY RD, GRAND BLANC, MI 48439
18 Month Term Share Certificates
$0
3.55%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.73% above avg
Details
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
26791 Ryan Rd, Warren, MI 48091 4073
18 Month Certificate
$500
3.54%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.72% above avg
Details
Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
220 Park Street, Birmingham, MI 48009
18-Month CD Special
$1,000
3.50%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.68% above avg
Details
Northpointe Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
3333 Deposit Dr Ne, Grand Rapids, MI 49546
18 Month Certificate of Deposit
$1,000
3.50%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.68% above avg
Details
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
7665 Merriman Rd, Romulus, MI 48174 1920
Relationship CD 18-Months
$500
3.50%
▲ 0.68% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.68% above avg
Details
Min: $500 Max: $10,000
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
630 32nd St SE, Grand Rapids, MI 49548 2306
18-Month CD
$500
3.50%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.68% above avg
Details
Early withdrawal penalty on 12-month term or longer is 180-days loss of interest.
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
520 HAYDEN ST, SAGINAW, MI 48607
18 Month Certificates of Deposit
$0
3.50%
▲ 0.68% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.68% above avg
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
718 E Michigan Ave, Jackson, MI 49201
18 Month Share Certificate
$500
3.50%
▲ 0.68% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.68% above avg
Details
Michigan 24 Month CD Rates
MonitorBankRates National Average · 24 Month CD2.84% APYUnchanged from last week
The national average 24-month CD rate is 2.84% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
8171 E 10 Mile Rd, Center Line, MI 48015 1449
24 Month Certificate
$500
4.20%
▲ 1.36% above national avg
▼
Rate4.12%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.36% above avg
Details
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
8171 E 10 Mile Rd, Center Line, MI 48015 1449
IRA Certificate - 24 Month
$0
4.20%
▲ 1.36% above national avg
▼
Rate4.12%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.36% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
S216 Menominee St, Stephenson, MI 49887
Relationship CD - 24 Month
$0
4.15%
▲ 1.31% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.31% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
3777 West Rd, East Lansing, MI 48823 8029
2-Year Certificate or IRA-HSA Jumbo
$0
4.15%
▲ 1.31% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.31% above avg
Details
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
2929 3rd Ave N, Escanaba, MI 49829 4203
24 Month Certificate
$500
4.10%
▲ 1.26% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 1.26% above avg
Details
Substantial penalty for early withdrawals.
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
2929 3rd Ave N, Escanaba, MI 49829 4203
24 Month IRA Certificate
$0
4.10%
▲ 1.26% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 1.26% above avg
Details
IRA - Individual accounts only
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
65 W LAKETON AVE, MUSKEGON, MI 49441
2 Year IRA & SHARE CERTIFICATES
$500
4.06%
▲ 1.22% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.22% above avg
Details
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
241 E Saginaw St, East Lansing, MI 48823
24 Month Certificate of Deposit
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
3777 West Rd, East Lansing, MI 48823 8029
2-Year Certificate or IRA-HSA
$0
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
715 N Telegraph Rd, Monroe, MI 48162 5130
24 Month Youth CD
$250
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
Youth CDs are available for members 18 years and under. Certificate must be opened under youth's name and SSN. The CD must have the same joint member as the savings account it is tied to.
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
1001 W Baraga Ave, Marquette, MI 49855
24 Month Certificate
$0
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
600 E Lyon Rd, Midland, MI 48640 5396
24 Month Simple CDs
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
24 Month Certificate of Deposit
$0
3.90%
▲ 1.06% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.06% above avg
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
3355 University Dr, Auburn Hills, MI 48326
24-Month HYRC Certificate
$0
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.06% above avg
Details
Qualifications Required: High-Yield Rewards Checking Account required; High-Yield Rewards Checking Account required
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
3558 Sterns Rd, Lambertville, MI 48144
24 Month Certificate
$500
3.87%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.03% above avg
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
3558 Sterns Rd, Lambertville, MI 48144
24 Month Youth Certificate
$100
3.87%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.03% above avg
Details
Must be under 18 years of age
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
S216 Menominee St, Stephenson, MI 49887
CD - 24 Month
$0
3.85%
▲ 1.01% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.01% above avg
Details
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
2929 3rd Ave N, Escanaba, MI 49829 4203
24 Month Jump Rate Certificate
$500
3.85%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 1.01% above avg
Details
Substantial penalty for early withdrawals.
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
2665 Reserve Rd, Houghton Lake, MI 48629
24 MONTH CD
$50,000
3.85%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.01% above avg
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
2 Year Jumbo and Jumbo IRA Certificates
$0
3.84%
▲ 1.00% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.00% above avg
Details
$100,000 and Above
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
235 Quincy St, Hancock, MI 49930
24 Month CD
$500
3.80%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.96% above avg
Details
Cannot be compounded, interest paid at maturity
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
3030 S Adrian Hwy, Adrian, MI 49221
24 Month Certificate
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
3030 S Adrian Hwy, Adrian, MI 49221
24 Month IRA Certificate
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
4411 Calkins Rd, Flint, MI 48532
24 Month Certificate of Deposit
$500
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.96% above avg
Details
Interest paid & compounded quarterly
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
9077 Charlotte Hwy, Portland, MI 48875
IRA Certificates - 24 months
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.96% above avg
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
2 Year IRA Certificates
$0
3.79%
▲ 0.95% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.95% above avg
Details
Penalty for early withdrawal.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
2 Year Term Certificates
$0
3.79%
▲ 0.95% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.95% above avg
Details
Penalty for early withdrawal.
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
211 W Center St, Alma, MI 48801 2206
24 Month Certificate
$0
3.76%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.92% above avg
Details
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
4411 Calkins Rd, Flint, MI 48532
24 Month Certificate of Deposit
$500
3.75%
▲ 0.91% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.91% above avg
Details
Interest paid monthly
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
715 N Telegraph Rd, Monroe, MI 48162 5130
24 Month CD
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
Certificates may be subject to penalty for early withdrawal.
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
715 N Telegraph Rd, Monroe, MI 48162 5130
24 Month IRA CD
$500
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
Certificates may be subject to penalty for early withdrawal.
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
2665 Reserve Rd, Houghton Lake, MI 48629
24 MONTH CD
$500
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
2665 Reserve Rd, Houghton Lake, MI 48629
ADD ON 24 MO CERT
$100
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
24 Month IRA Certificate of Deposit
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
Michigan One Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
510 S Dexter St, Ionia, MI 48846
24 Month Regular CDs
$500
3.70%
▲ 0.86% above national avg
▼
Rate3.63%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.86% above avg
Details
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
9077 Charlotte Hwy, Portland, MI 48875
24 Month Certificate
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.86% above avg
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
9048 HOLLY RD, GRAND BLANC, MI 48439
Jumbo Term Share Certificates - 2 Years
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.86% above avg
Details
Extra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
6611 Chicago Rd, Warren, MI 48092 1685
24 Month Fixed-Rate Certificate
$0
3.65%
▲ 0.81% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.81% above avg
Details
Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal. Contact your personal attorney or tax advisor for advice on your personal situation. For accounts that automatically renew for another term, you have a grace period of ten (10) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
3030 S Adrian Hwy, Adrian, MI 49221
24 Month IRAs - Regular Certificates
$0
3.65%
▲ 0.81% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.81% above avg
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
3030 S Adrian Hwy, Adrian, MI 49221
24 Month Regular Certificates
$0
3.65%
▲ 0.81% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.81% above avg
Details
Soo-Co-Op Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
4489 I 75 Business Spur, Sault Sainte Marie, MI 49783
24 Month Term Certificate
$0
3.65%
▲ 0.81% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.81% above avg
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
3355 University Dr, Auburn Hills, MI 48326
24-Month Certificate
$0
3.65%
▲ 0.81% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.81% above avg
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
576 E Lincoln St, Birmingham, MI 48009 1757
2 Year CD
$10,000
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
576 E Lincoln St, Birmingham, MI 48009 1757
2 Year IRA CD
$4,000
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$4,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
Diversified Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1480 E Jefferson Ave, Detroit, MI 48207
24 Month Certificate of Deposit - Regular
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
Diversified Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1480 E Jefferson Ave, Detroit, MI 48207
24 Month Certificates of Deposit-Regular & IRA
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
9048 HOLLY RD, GRAND BLANC, MI 48439
2 Year Term Share Certificates
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
24 Months Certificate
$0
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.72% above avg
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
20252 Ecorse Rd, Taylor, MI 48180
I.R.A Certificates - 2 year
$250
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.72% above avg
Details
I.R.A Certificates ($250 min.)
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
500 E Lafayette Blvd, Detroit, MI 48226
2 Year Business Certificates
$0
3.55%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.71% above avg
Details
Michigan 36 Month CD Rates
MonitorBankRates National Average · 36 Month CD2.76% APYUnchanged from last week
The national average 36-month CD rate is 2.76% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
348 W Michigan Ave, Kalamazoo, MI 49007
3-Year Rising Rate Certificate of Deposit - Year 3 term
$0
5.00%
▲ 2.24% above national avg
▼
Rate4.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 2.24% above avg
Details
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
348 W Michigan Ave, Kalamazoo, MI 49007
3-Year Rising Rate Certificate of Deposit - Blended APY
$0
4.75%
▲ 1.99% above national avg
▼
Rate4.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.99% above avg
Details
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
348 W Michigan Ave, Kalamazoo, MI 49007
3-Year Rising Rate Certificate of Deposit - Year 2 term
$0
4.75%
▲ 1.99% above national avg
▼
Rate4.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.99% above avg
Details
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
348 W Michigan Ave, Kalamazoo, MI 49007
3-Year Rising Rate Certificate of Deposit - Year 1 term
$0
4.50%
▲ 1.74% above national avg
▼
Rate4.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.74% above avg
Details
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
2929 3rd Ave N, Escanaba, MI 49829 4203
36 Month Certificate
$500
4.30%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.76%▲ 1.54% above avg
Details
Substantial penalty for early withdrawals.
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
2929 3rd Ave N, Escanaba, MI 49829 4203
36 Month IRA Certificate
$0
4.30%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.76%▲ 1.54% above avg
Details
IRA - Individual accounts only
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
S216 Menominee St, Stephenson, MI 49887
Relationship CD - 36 Month
$0
4.20%
▲ 1.44% above national avg
▼
Rate4.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.44% above avg
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
3 Year Jumbo and Jumbo IRA Certificates
$0
4.06%
▲ 1.30% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.30% above avg
Details
$100,000 and Above
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
2929 3rd Ave N, Escanaba, MI 49829 4203
36 Month Jump Rate Certificate
$500
4.05%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.76%▲ 1.29% above avg
Details
Substantial penalty for early withdrawals.
FNB of Wakefield
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
401 Sunday Lake St, Wakefield, MI 49968
36 Month Certificates of Deposit
$0
4.04%
▲ 1.28% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.28% above avg
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
3 Year IRA Certificates
$0
4.01%
▲ 1.25% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.25% above avg
Details
Penalty for early withdrawal.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
3 Year Term Certificates
$0
4.01%
▲ 1.25% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.25% above avg
Details
Penalty for early withdrawal.
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
241 E Saginaw St, East Lansing, MI 48823
36 Month Certificate of Deposit
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
3777 West Rd, East Lansing, MI 48823 8029
3-Year Certificate or IRA-HSA Jumbo
$0
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
715 N Telegraph Rd, Monroe, MI 48162 5130
36 Month Youth CD
$250
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details
Youth CDs are available for members 18 years and under. Certificate must be opened under youth's name and SSN. The CD must have the same joint member as the savings account it is tied to.
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
1001 W Baraga Ave, Marquette, MI 49855
36 Month Certificate
$0
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
600 E Lyon Rd, Midland, MI 48640 5396
36 Month Simple CDs
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
3030 S Adrian Hwy, Adrian, MI 49221
36 Month Certificate
$0
3.91%
▲ 1.15% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.15% above avg
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
3030 S Adrian Hwy, Adrian, MI 49221
36 Month IRA Certificate
$0
3.91%
▲ 1.15% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.15% above avg
Details
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
2665 Reserve Rd, Houghton Lake, MI 48629
36 MONTH CD
$50,000
3.90%
▲ 1.14% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.14% above avg
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
3558 Sterns Rd, Lambertville, MI 48144
36 Month Certificate
$500
3.87%
▲ 1.11% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.11% above avg
Details
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
235 Quincy St, Hancock, MI 49930
36 Month CD
$500
3.85%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.09% above avg
Details
Cannot be compounded, interest paid at maturity
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
3777 West Rd, East Lansing, MI 48823 8029
3-Year Certificate or IRA-HSA
$0
3.85%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.09% above avg
Details
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
9077 Charlotte Hwy, Portland, MI 48875
IRA Certificates - 36 months
$0
3.85%
▲ 1.09% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.09% above avg
Details
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
211 W Center St, Alma, MI 48801 2206
36 Month Certificate
$0
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.06% above avg
Details
Extra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
6611 Chicago Rd, Warren, MI 48092 1685
36 Month Fixed-Rate Certificate
$0
3.80%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.04% above avg
Details
Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal. Contact your personal attorney or tax advisor for advice on your personal situation. For accounts that automatically renew for another term, you have a grace period of ten (10) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
4411 Calkins Rd, Flint, MI 48532
36 Month Certificate of Deposit
$500
3.80%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.04% above avg
Details
Interest paid & compounded quarterly
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
2665 Reserve Rd, Houghton Lake, MI 48629
36 MONTH CD
$500
3.80%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.04% above avg
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
9048 HOLLY RD, GRAND BLANC, MI 48439
Jumbo Term Share Certificates - 3 Years
$0
3.80%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.04% above avg
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
3030 S Adrian Hwy, Adrian, MI 49221
36 Month IRAs - Regular Certificates
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
3030 S Adrian Hwy, Adrian, MI 49221
36 Month Regular Certificates
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
4411 Calkins Rd, Flint, MI 48532
36 Month Certificate of Deposit
$500
3.75%
▲ 0.99% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details
Interest paid monthly
Best Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
36 Month Certificate
$500
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
Early Withdrawal Penalty: 180 days interest
Michigan One Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
510 S Dexter St, Ionia, MI 48846
36 Month Regular CDs
$500
3.75%
▲ 0.99% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
8171 E 10 Mile Rd, Center Line, MI 48015 1449
36 Month Certificate
$500
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
8171 E 10 Mile Rd, Center Line, MI 48015 1449
IRA Certificate - 36 Month
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
3355 University Dr, Auburn Hills, MI 48326
36-Month HYRC Certificate
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
Qualifications Required: High-Yield Rewards Checking Account required; High-Yield Rewards Checking Account required
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
9077 Charlotte Hwy, Portland, MI 48875
36 Month Certificate
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
S216 Menominee St, Stephenson, MI 49887
CD - 36 Month
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.94% above avg
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
9048 HOLLY RD, GRAND BLANC, MI 48439
3 Year Term Share Certificates
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.94% above avg
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
500 E Lafayette Blvd, Detroit, MI 48226
3 Year Business Certificates
$0
3.65%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.89% above avg
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
500 E Lafayette Blvd, Detroit, MI 48226
3 Year Certificate
$0
3.65%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.89% above avg
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
500 E Lafayette Blvd, Detroit, MI 48226
3 Year Fixed-Rate Certificate
$0
3.65%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.89% above avg
Details
Northpointe Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
3333 Deposit Dr Ne, Grand Rapids, MI 49546
36 Month Certificate of Deposit
$1,000
3.60%
▲ 0.84% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.84% above avg
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
36 Months Certificate
$0
3.56%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.80% above avg
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
20252 Ecorse Rd, Taylor, MI 48180
I.R.A Certificates - 3 year
$250
3.56%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.80% above avg
Details
I.R.A Certificates ($250 min.)
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
65 W LAKETON AVE, MUSKEGON, MI 49441
3 Year IRA & SHARE CERTIFICATES
$500
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.79% above avg
Details
Settlers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
14623 State Highway M28 E, Bruce Crossing, MI 49912 9296
36 Month Share Certificates
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.79% above avg
Details
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
7665 Merriman Rd, Romulus, MI 48174 1920
CD: Tier V - 36 months
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.79% above avg
Details
minimum $250,000; Dividends Paid: annually
Security Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2404 S Linden Rd, Flint, MI 48532
3 Year IRA Share Certificates of Deposit
$0
3.55%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.79% above avg
Details
Michigan 48 Month CD Rates
MonitorBankRates National Average · 48 Month CD2.77% APY▼ 0.01% from last week
The national average 48-month CD rate is 2.77% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
S216 Menominee St, Stephenson, MI 49887
Relationship CD - 48 Month
$0
4.25%
▲ 1.48% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.48% above avg
Details
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
241 E Saginaw St, East Lansing, MI 48823
48 Month Certificate of Deposit
$0
4.20%
▲ 1.43% above national avg
▼
Rate4.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.43% above avg
Details
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
2929 3rd Ave N, Escanaba, MI 49829 4203
48 Month Certificate
$500
4.15%
▲ 1.38% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.77%▲ 1.38% above avg
Details
Substantial penalty for early withdrawals.
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
2929 3rd Ave N, Escanaba, MI 49829 4203
48 Month IRA Certificate
$0
4.15%
▲ 1.38% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.77%▲ 1.38% above avg
Details
IRA - Individual accounts only
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
4 Year Jumbo and Jumbo IRA Certificates
$0
4.09%
▲ 1.32% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.32% above avg
Details
$100,000 and Above
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
4 Year IRA Certificates
$0
4.04%
▲ 1.27% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.27% above avg
Details
Penalty for early withdrawal.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
4 Year Term Certificates
$0
4.04%
▲ 1.27% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.27% above avg
Details
Penalty for early withdrawal.
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
3030 S Adrian Hwy, Adrian, MI 49221
48 Month Certificate
$0
4.01%
▲ 1.24% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.24% above avg
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
3030 S Adrian Hwy, Adrian, MI 49221
48 Month IRA Certificate
$0
4.01%
▲ 1.24% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.24% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
3777 West Rd, East Lansing, MI 48823 8029
4-Year Certificate or IRA-HSA Jumbo
$0
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.23% above avg
Details
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
2665 Reserve Rd, Houghton Lake, MI 48629
48 MONTH CD
$50,000
3.95%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.18% above avg
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
3558 Sterns Rd, Lambertville, MI 48144
48 Month Certificate
$500
3.92%
▲ 1.15% above national avg
▼
Rate3.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.15% above avg
Details
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
235 Quincy St, Hancock, MI 49930
48 Month CD
$500
3.90%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.13% above avg
Details
Cannot be compounded, interest paid at maturity
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
2929 3rd Ave N, Escanaba, MI 49829 4203
48 Month Jump Rate Certificate
$500
3.90%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.77%▲ 1.13% above avg
Details
Substantial penalty for early withdrawals.
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
9048 HOLLY RD, GRAND BLANC, MI 48439
Jumbo Term Share Certificates - 4 Years
$0
3.90%
▲ 1.13% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.13% above avg
Details
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
600 E Lyon Rd, Midland, MI 48640 5396
48 Month Simple CDs
$0
3.90%
▲ 1.13% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.13% above avg
Details
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
211 W Center St, Alma, MI 48801 2206
48 Month Certificate
$0
3.87%
▲ 1.10% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.10% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
3777 West Rd, East Lansing, MI 48823 8029
4-Year Certificate or IRA-HSA
$0
3.85%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.08% above avg
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
3030 S Adrian Hwy, Adrian, MI 49221
48 Month IRAs - Regular Certificates
$0
3.85%
▲ 1.08% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.08% above avg
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
3030 S Adrian Hwy, Adrian, MI 49221
48 Month Regular Certificates
$0
3.85%
▲ 1.08% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.08% above avg
Details
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
2665 Reserve Rd, Houghton Lake, MI 48629
48 MONTH CD
$500
3.85%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.08% above avg
Details
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
9077 Charlotte Hwy, Portland, MI 48875
IRA Certificates - 48 months
$0
3.85%
▲ 1.08% above national avg
▼
Rate3.77%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.08% above avg
Details
Michigan One Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
510 S Dexter St, Ionia, MI 48846
48 Month Regular CDs
$500
3.80%
▲ 1.03% above national avg
▼
Rate3.73%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
4635 44th St SE, Grand Rapids, MI 49512
48 Month Share Certificate
$500
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
9048 HOLLY RD, GRAND BLANC, MI 48439
4 Year Term Share Certificates
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
S216 Menominee St, Stephenson, MI 49887
CD - 48 Month
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
1001 W Baraga Ave, Marquette, MI 49855
48 Month Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
4635 44th St SE, Grand Rapids, MI 49512
48 Month - Traditional or Roth IRA Certificate
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
9077 Charlotte Hwy, Portland, MI 48875
48 Month Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
7665 Merriman Rd, Romulus, MI 48174 1920
CD: Tier V - 48 months
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.93% above avg
Details
minimum $250,000; Dividends Paid: annually
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
5600 Beechtree Ln SE, Caledonia, MI 49316 9587
48 Month Share Certificate
$100,000
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
Northpointe Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
3333 Deposit Dr Ne, Grand Rapids, MI 49546
48 Month Certificate of Deposit
$1,000
3.65%
▲ 0.88% above national avg
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
500 E Lafayette Blvd, Detroit, MI 48226
4 Year Business Certificates
$0
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.88% above avg
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
500 E Lafayette Blvd, Detroit, MI 48226
4 Year Certificate
$0
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.88% above avg
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
500 E Lafayette Blvd, Detroit, MI 48226
4 Year Fixed-Rate Certificate
$0
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.88% above avg
Details
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
7665 Merriman Rd, Romulus, MI 48174 1920
48 Month CD IRA
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.88% above avg
Details
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
7665 Merriman Rd, Romulus, MI 48174 1920
CD Tier I - 48 Months
$500
3.65%
▲ 0.88% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.88% above avg
Details
minimum $500; Dividends Paid: annually
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
7665 Merriman Rd, Romulus, MI 48174 1920
CD: Tier II - 48 months
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.88% above avg
Details
minimum $10,000; Dividends Paid: annually
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
7665 Merriman Rd, Romulus, MI 48174 1920
CD: Tier III - 48 months
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.88% above avg
Details
minimum $50,000; Dividends Paid: annually
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
7665 Merriman Rd, Romulus, MI 48174 1920
CD: Tier IV - 48 months
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.88% above avg
Details
minimum $100,000; Dividends Paid: annually
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
4866 Alpine Ave NW, Comstock Park, MI 49321 8579
48 Month IRA/HSA CD
$500
3.65%
▲ 0.88% above national avg
▼
Rate3.59%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
VIP Bonus Rate: 3.83%, VIP Bonus APY: 3.90%
Security Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2404 S Linden Rd, Flint, MI 48532
4 Year IRA Share Certificates of Deposit
$0
3.60%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
Security Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2404 S Linden Rd, Flint, MI 48532
4 Year Share Certificate of Deposit
$0
3.60%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
Security Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2404 S Linden Rd, Flint, MI 48532
4 Year Share Certificates of Deposit
$0
3.60%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
Isabella Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
2400 S Isabella RD, MT Pleasant, MI 48858
48 Month Certificates of Deposit & IRA Certificates
$0
3.60%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
APY** $10,000 Minimum
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
520 HAYDEN ST, SAGINAW, MI 48607
48 Month Certificates of Deposit
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.53%
2055 Spring Arbor Rd, Jackson, MI 49203
48 Month Business Share Certificate
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.53%
2055 Spring Arbor Rd, Jackson, MI 49203
48 Month Share Certificates
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
525 W Willow St, Lansing, MI 48906 4745
48 Month Certificates & IRA Certificates of Deposit
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.83% above avg
Details
Balance: $50,000 and above
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
525 W Willow St, Lansing, MI 48906 4745
48 Month Certificates of Deposit
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.83% above avg
Details
Balance: $50,000 and above
Michigan 60 Month CD Rates
MonitorBankRates National Average · 60 Month CD2.84% APY▼ 0.01% from last week
The national average 60-month CD rate is 2.84% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Michigan One Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
510 S Dexter St, Ionia, MI 48846
60 Month Minor CD Special
$100
5.12%
▲ 2.28% above national avg
▼
Rate5.00%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 2.28% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
S216 Menominee St, Stephenson, MI 49887
Relationship CD - 60 Month
$0
4.35%
▲ 1.51% above national avg
▼
Rate4.28%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.51% above avg
Details
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
241 E Saginaw St, East Lansing, MI 48823
60 Month Certificate of Deposit
$0
4.20%
▲ 1.36% above national avg
▼
Rate4.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.36% above avg
Details
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
2929 3rd Ave N, Escanaba, MI 49829 4203
60 Month Certificate
$500
4.15%
▲ 1.31% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 1.31% above avg
Details
Substantial penalty for early withdrawals.
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
2929 3rd Ave N, Escanaba, MI 49829 4203
60 Month IRA Certificate
$0
4.15%
▲ 1.31% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 1.31% above avg
Details
IRA - Individual accounts only
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
3030 S Adrian Hwy, Adrian, MI 49221
60 Month Certificate
$0
4.11%
▲ 1.27% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.27% above avg
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
3030 S Adrian Hwy, Adrian, MI 49221
60 Month IRA Certificate
$0
4.11%
▲ 1.27% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.27% above avg
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
5 Year Jumbo and Jumbo IRA Certificates
$0
4.08%
▲ 1.24% above national avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.24% above avg
Details
$100,000 and Above
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
6640 Bay Rd, Saginaw, MI 48604
60 Month Jumbo Business Certificates
$0
4.07%
▲ 1.23% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.23% above avg
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
6640 Bay Rd, Saginaw, MI 48604
60 Month Jumbo Certificates
$0
4.07%
▲ 1.23% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.23% above avg
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
6640 Bay Rd, Saginaw, MI 48604
60 Month Jumbo HSA Certificates
$0
4.07%
▲ 1.23% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.23% above avg
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
6640 Bay Rd, Saginaw, MI 48604
60 Month Jumbo IRA Certificates
$0
4.07%
▲ 1.23% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.23% above avg
Details
APY = Annual Percentage Yield. Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice.
Extra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
6611 Chicago Rd, Warren, MI 48092 1685
60 Month Fixed-Rate Certificate
$0
4.06%
▲ 1.22% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.22% above avg
Details
Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal. Contact your personal attorney or tax advisor for advice on your personal situation. For accounts that automatically renew for another term, you have a grace period of ten (10) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
3777 West Rd, East Lansing, MI 48823 8029
5-Year Certificate or IRA-HSA Jumbo
$0
4.05%
▲ 1.21% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.21% above avg
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
5 Year IRA Certificates
$0
4.03%
▲ 1.19% above national avg
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.19% above avg
Details
Penalty for early withdrawal.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
5 Year Term Certificates
$0
4.03%
▲ 1.19% above national avg
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.19% above avg
Details
Penalty for early withdrawal.
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
9048 HOLLY RD, GRAND BLANC, MI 48439
Jumbo Term Share Certificates - 5 Years
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
600 E Lyon Rd, Midland, MI 48640 5396
3 - 60 Month Simple CDs
$500
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
APY assumes interest payouts remain in your certificate account until maturity. Interest rate is guaranteed for the length of the term. An early withdrawal penalty may be applied when a withdrawal is made prior to maturity of the certificate and could result in loss of principal.
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
3558 Sterns Rd, Lambertville, MI 48144
60 Month Certificate
$500
3.97%
▲ 1.13% above national avg
▼
Rate3.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.13% above avg
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
3030 S Adrian Hwy, Adrian, MI 49221
60 Month IRAs - Regular Certificates
$0
3.96%
▲ 1.12% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.12% above avg
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
3030 S Adrian Hwy, Adrian, MI 49221
60 Month Regular Certificates
$0
3.96%
▲ 1.12% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.12% above avg
Details
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
2665 Reserve Rd, Houghton Lake, MI 48629
60 MONTH CD
$50,000
3.95%
▲ 1.11% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.11% above avg
Details
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
211 W Center St, Alma, MI 48801 2206
60 Month Certificate
$0
3.92%
▲ 1.08% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.08% above avg
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
5600 Beechtree Ln SE, Caledonia, MI 49316 9587
60 Month Share Certificate
$100,000
3.90%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.06% above avg
Details
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
235 Quincy St, Hancock, MI 49930
60 Month CD
$500
3.90%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.06% above avg
Details
Cannot be compounded, interest paid at maturity
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
2929 3rd Ave N, Escanaba, MI 49829 4203
60 Month Jump Rate Certificate
$500
3.90%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 1.06% above avg
Details
Substantial penalty for early withdrawals.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
3777 West Rd, East Lansing, MI 48823 8029
5-Year Certificate or IRA-HSA
$0
3.90%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.06% above avg
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
4866 Alpine Ave NW, Comstock Park, MI 49321 8579
60 Mo. IRA CD VIP
$0
3.90%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.06% above avg
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
4866 Alpine Ave NW, Comstock Park, MI 49321 8579
60 Month IRA/HSA CD
$500
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.06% above avg
Details
VIP Bonus Rate: 4.07%, VIP Bonus APY: 4.15%
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
9077 Charlotte Hwy, Portland, MI 48875
IRA Certificates - 60 months
$0
3.90%
▲ 1.06% above national avg
▼
Rate3.82%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.06% above avg
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
9048 HOLLY RD, GRAND BLANC, MI 48439
5 Year Term Share Certificates
$0
3.90%
▲ 1.06% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.06% above avg
Details
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
600 E Lyon Rd, Midland, MI 48640 5396
60 Month Simple CDs
$0
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.06% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
S216 Menominee St, Stephenson, MI 49887
CD - 60 Month
$0
3.85%
▲ 1.01% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.01% above avg
Details
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
2665 Reserve Rd, Houghton Lake, MI 48629
60 MONTH CD
$500
3.85%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.01% above avg
Details
Michigan One Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
510 S Dexter St, Ionia, MI 48846
60 Month Regular CDs
$500
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.01% above avg
Details
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
9077 Charlotte Hwy, Portland, MI 48875
60 Month Certificate
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.96% above avg
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
5600 Beechtree Ln SE, Caledonia, MI 49316 9587
60 Month Share Certificate
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
7665 Merriman Rd, Romulus, MI 48174 1920
60 Month CD IRA
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.91% above avg
Details
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
7665 Merriman Rd, Romulus, MI 48174 1920
CD Tier I - 60 Months
$500
3.75%
▲ 0.91% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.91% above avg
Details
minimum $500; Dividends Paid: annually
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
7665 Merriman Rd, Romulus, MI 48174 1920
CD: Tier II - 60 months
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.91% above avg
Details
minimum $10,000; Dividends Paid: annually
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
7665 Merriman Rd, Romulus, MI 48174 1920
CD: Tier III - 60 months
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.91% above avg
Details
minimum $50,000; Dividends Paid: annually
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
7665 Merriman Rd, Romulus, MI 48174 1920
CD: Tier IV - 60 months
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.91% above avg
Details
minimum $100,000; Dividends Paid: annually
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
7665 Merriman Rd, Romulus, MI 48174 1920
CD: Tier V - 60 months
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.91% above avg
Details
minimum $250,000; Dividends Paid: annually
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
1001 W Baraga Ave, Marquette, MI 49855
60 Month Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
4866 Alpine Ave NW, Comstock Park, MI 49321 8579
60 Month CD
$500
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
VIP Bonus Rate: 3.93%, VIP Bonus APY: 4.00%
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
8171 E 10 Mile Rd, Center Line, MI 48015 1449
60 Month Certificate
$500
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
8171 E 10 Mile Rd, Center Line, MI 48015 1449
IRA Certificate - 60 Month
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
Northpointe Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
3333 Deposit Dr Ne, Grand Rapids, MI 49546
60 Month Certificate of Deposit
$1,000
3.70%
▲ 0.86% above national avg
▼
Rate3.64%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.86% above avg
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
65 W LAKETON AVE, MUSKEGON, MI 49441
5 Year IRA & SHARE CERTIFICATES
$500
3.70%
▲ 0.86% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.86% above avg
Details
Isabella Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
2400 S Isabella RD, MT Pleasant, MI 48858
60 Month Certificates of Deposit & IRA Certificates
$0
3.70%
▲ 0.86% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.86% above avg
Details
APY** $10,000 Minimum
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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
2.952%
▲ 0.030 vs 7 days ago
Michigan 12-month CD rates rose 0.030 points over the past 7 days to 2.952% APY.
6-Month CD MI Avg
2.767%
▲ 0.021 vs 7 days ago
Michigan 6-month CD rates rose 0.021 points over the past 7 days to 2.767% APY.
As of Sep 22, 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 September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MI 12-Month Avg APY
2.952%
6-Month Forecast
2.952%
Range: 2.75% – 3.10%
12-Month Forecast
3.202%
Range: 3.00% – 3.35%
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 | 2.065% | $103.23 | $206.46 | $516.15 | $1,032.30 |
| 6-Month CD | 2.767% | $138.33 | $276.65 | $691.63 | $1,383.25 |
| 12-Month CD | 2.952% | $147.58 | $295.15 | $737.88 | $1,475.75 |
| 18-Month CD | 2.818% | $140.91 | $281.82 | $704.55 | $1,409.10 |
| 24-Month CD | 2.841% | $142.07 | $284.14 | $710.35 | $1,420.70 |
| 36-Month CD | 2.765% | $138.25 | $276.49 | $691.23 | $1,382.45 |
| 48-Month CD | 2.770% | $138.48 | $276.97 | $692.43 | $1,384.85 |
| 60-Month CD | 2.844% | $142.22 | $284.44 | $711.10 | $1,422.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 21, 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 | 2.065% | $103.23 |
| 2 | 6-Month CD | $5,000 | 2.767% | $138.33 |
| 3 | 12-Month CD | $5,000 | 2.952% | $147.58 |
| 4 | 24-Month CD | $5,000 | 2.841% | $142.07 |
| 5 | 36-Month CD | $5,000 | 2.765% | $138.25 |
| Total ($25,000 invested) | $25,000 | 2.678% blended | $669.46/yr | |
Ladder example uses equal $5,000 rungs and Michigan average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,641
CD Rates
Tracked in Michigan
Tracked in Michigan
21 Banks
95 Credit Unions
About Our Michigan CD Rate Database
MonitorBankRates tracks 1,641 CD rates from 21 banks and 95 credit unions with locations in Michigan, plus national online institutions available to Michigan residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Diversified Members Credit Union offers a CD at 5.15% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Michigan.
How to Find the Best CD Rates in Michigan
What to compare when shopping for a CD in Michigan
To find the best APYs in Michigan, start with credit unions and online-only banks: Michigan has 95 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: 116 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Michigan savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare 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
$127/yr
At MI 12-mo avg 2.952% APY
18.6% of residents are 65 or older, in line with the national average of 17.3%. At today’s MI 12-month CD average of 2.952%, saving 10% of the local median salary ($4,293/year) and putting it in a CD would earn an additional $127 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Michigan
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Michigan
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Michigan typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Michigan as everywhere in the U.S.
Choosing a CD Term in Michigan
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Michigan savers easier access to their funds. For example, United Financial Credit Union is offering its 6 month - 4H or FFA CD at 5.05% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Michigan One Community Credit Union is offering its 60 Month Minor CD Special at 5.12% 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:
- Diversified Members Credit Union: 5.15% APY (12 Month Legacy CD)
- Michigan One Community Credit Union: 5.12% APY (60 Month Minor CD Special)
- United Financial Credit Union: 5.05% APY (6 month - 4H or FFA CD)
- First National Bank of Michigan: 5.00% APY (3-Year Rising Rate Certificate of Deposit - Year 3 term)
- OMNI Community Credit Union: 5.00% APY (12 Month Youth Special)
- Best Financial Credit Union: 5.00% APY (12 Month Super Kids)
- FreeStar Financial Credit Union: 4.50% APY (iSave Youth (1 Year) - Military)
- People Driven Credit Union: 4.50% APY (1 Year Youth)
- Intandem Credit Union: 4.50% APY (12 Month Youth Share Certificate)
- Nicolet Bank: 4.35% APY (Relationship CD - 60 Month)
Rates reflect recent verified offers available in Michigan. Last Updated: September 21, 2026
Michigan CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Michigan rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
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Ending Balance
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Matures
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Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Michigan
Michigan CD Calculator
At today’s MI top rate of 5.15% APY, a $10,000 deposit earns $515 in the first year. Enter your amount to see your exact return.
Michigan CD LadderMI CD rates currently range from 2.065% (3-month) to 2.765% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Michigan CD at 5.15% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsMichigan’s average 12-month CD is 2.952% 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: September 21, 2026
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