CD Rates Conway, Michigan (MI) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Conway, Michigan CD rates include United Financial Credit UnionUnited Financial Credit UnionA+5.0 ★Texas Ratio: 3.73%Real return: +2.25%APY minus CPI (February 2026) offering 6 month - 4H or FFA CD at 5.05% APY, OMNI Community Credit UnionOMNI Community Credit UnionA+5.0 ★Texas Ratio: 3.58%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Youth Special Certificate at 5.00% APY, Astera Credit UnionAstera Credit UnionA+5.0 ★Texas Ratio: 3.80%Real return: +2.10%APY minus CPI (February 2026) offering 6-mo. CD Special at 4.90% APY, Wolverine State Credit UnionWolverine State Credit UnionA5.0 ★Texas Ratio: 6.10%Real return: +1.54%APY minus CPI (February 2026) offering 1 YEAR YOUTH CD at 4.34% APY, and Meijer Credit UnionMeijer Credit UnionA+5.0 ★Texas Ratio: 5.75%Real return: +1.45%APY minus CPI (February 2026) offering 12-Month CD at 4.25% APY. CD rates as of April 12, 2026 according to verified data from MonitorBankRates.
Conway is a smaller community with no bank or credit union branches currently in our database. 380 institutions serving the Michigan area are available to Conway residents, with CD rates as high as 5.05% APY from United Financial Credit Union. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 12, 2026
Compare Best CD Rates in Conway, Michigan & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
3-Month HYC Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
Business Share Certificates 3 month
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
3-Month Share Certificate
$100,000
3.60%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 Minimum to Earn APY
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
90 Day Share Certificate
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
3 Month Certificate of Deposit Special
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
90 Day Certificate
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Bank of Ann Arbor
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
3 Month Retail CD
$1,000
3.25%
▼
Rate3.22%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates effective as of 03/23/2026 - 03/29/2026.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3-Month Certificate or IRA-HSA Jumbo
$100,000
3.15%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
3 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.05%
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Relationship
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Month Cert / IRA
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
The Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
3 Month Term Share Certificates
$500
2.50%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
CD, Traditional IRA CD & Roth IRA CD Accounts 3-Month
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
3 MONTH CERTIFICATE
$3,000
2.02%
▼
Rate—
Min Deposit$3,000
Min Balance—
UpdatedApr 12, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
3 month Certificate of Deposit
$0
1.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
3 Month Tier 3 Certificate
$0
1.60%
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
3 Month CD Gold
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
Jumbo Certificates 3 Month
$20,000
1.31%
▼
Rate1.30%
Min Deposit$20,000
Min Balance—
UpdatedApr 12, 2026
Details
BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
3 Month Certificates
$0
1.10%
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$50 Minimum Deposit
One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
3 Month Certificate of Deposit & Term IRAs
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
3 Month CD
$500
0.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
IRA 3 Month Term Share Certificates
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Lake Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
3 Month Certificate of Deposit
$500
0.15%
▼
Rate0.15%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Community Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
3-Month Certificate
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
6 month - 4H or FFA CD
$0
5.05%
▼
Rate4.93%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Amount of 4H or FFA Check; Max $5,000
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
90th anniversary offer!
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Share Certificate SPECIAL!
$2,500
4.06%
▼
Rate4.00%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Quarterly Dividend Transfers, Non-Automatic Renewal, Simple Interest, Paid Quarterly! NEW MONEY ONLY!!!
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
6 Month Certificate of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Rising Rate Certificate of Deposit - Third 6-month Term
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
6-Month HYC Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
6 Month CD
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
180 Day Certificate
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
6 MONTH YOUTH CD
$0
3.79%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
6 Month Term Share Certificates
$100
3.76%
▼
Rate3.70%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
6 Month CD
$10,000
3.70%
▼
Rate3.65%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
Youth Certificates 6 Month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Must be 25 or younger; $2,000 maximum deposit; Deposits: $50 Increments; Up to 10 Youth CD's per youth account; APY will vary depending on the initial certificate deposit amount; There is a penalty for early withdrawal.
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
6 Month Share Certificates and IRA Share Certificates
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Limited time offer and is subject to change without notice, $500 Minimum deposit to open CD Special. After maturity if you choose to roll over your CD, it will renew to the same term and the then-current interest rate (rate at time of maturity). A penalty will be imposed for early withdrawal. Fees will reduce earnings.; Online opening available only to residents in Michigan.
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
6 MONTH CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
6-Month Share Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 Minimum to Earn APY
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
Jumbo Certificates 6 Month
$50,000
3.44%
▼
Rate3.40%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.76%
6 MONTH GOLDEN CD
$500
3.40%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Arbor Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.24%
6 Month Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
6 Month Share Certificates and IRA Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Bank of Ann Arbor
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
6 Month Retail CD
$1,000
3.20%
▼
Rate3.17%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates effective as of 03/23/2026 - 03/29/2026.
Filer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
6 MONTH MIN $ 1,000 Certificate
$0
3.09%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
IRA & SHARE CERTIFICATES 6 MONTH
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6 month Certificate of Deposit
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
6 Month Add-On CD with Direct Deposit
$250
2.98%
▼
Rate2.95%
Min Deposit$250
Min Balance—
UpdatedApr 12, 2026
Details
University of Michigan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
6 Month Certificate
$0
2.84%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
CD, Traditional IRA CD & Roth IRA CD Accounts 6-Month
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
Jumbo Certificates 6 Month
$0
2.77%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
The Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
6 Month Term Share Certificates
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Iron Mountain Kingsford Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
6 MO. CERTIFICATE
$0
2.52%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
up to
One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
6 Month Certificate of Deposit & Term IRAs
$500
2.32%
▼
Rate2.30%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
FNB of Wakefield
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
6 mo Certificates of Deposit
$500
2.30%
▼
Rate2.30%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Settlers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6 Month Share Certificates
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
6 Month Tier 3 Certificate
$0
2.10%
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Family Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate of Deposit & IRA Certificate 6 Month
$500
2.02%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Share Certificate 6 Month
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Valley Credit Union Salem, OR
Institution Rating:
B4.4 ★Texas Ratio: 21.74%
6 Month Share and IRA Certificate
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Marshall Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
CD Special 6 Month
$1,000
1.65%
▼
Rate1.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
No IRA
Compass Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
6-Month Share Certificate
$500
1.61%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
6 Month CD Gold
$0
1.56%
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Ignite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
6 MONTH CERTIFICATE
$50
1.51%
▼
Rate—
Min Deposit$50
Min Balance—
UpdatedApr 12, 2026
Details
Northern Interstate Bank, N. A.
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6 Month CD
$1,000
1.31%
▼
Rate1.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
6 Month CD
$500
1.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
6 Month Jumbo Certificate
$0
0.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
6 Month Term Share Account
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
12 Month Youth Special Certificate
$0
5.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
1 YEAR YOUTH CD
$0
4.34%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
New money only.
Family Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate of Deposit & IRA Certificate Jumbo 12 Month
$25,000
4.18%
▼
Rate4.10%
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
12 Month Certificate
$500
4.06%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Catholic Vantage Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
12 Month Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
12 Month JUMBO Certificate of Deposit
$0
3.98%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
1 Year CD
$10,000
3.96%
▼
Rate3.90%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
12 Month Certificate of Deposit
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First State Bank (MI)
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
Jumbo CDs 1 Year
$0
3.86%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
12 Month Youth Certificate
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
University of Michigan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
12 Month Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
PLUS Certificates 1 Year
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate may change after the account is opened. We may impose a penalty if you withdraw funds before the maturity date.
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
12 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Relationship
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
12 MO IRA Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
Youth Certificates 12 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Must be 25 or younger; $2,000 maximum deposit; Deposits: $50 Increments; Up to 10 Youth CD's per youth account; APY will vary depending on the initial certificate deposit amount; There is a penalty for early withdrawal.
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
12 Month CD with Direct Deposit
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
12 Month CDs
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Share Certificates and IRA Share Certificates 12 Month
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Fees may reduce earnings. A penalty may be charged for early withdrawal of a share certificate or IRA. Membership is required; $5 minimum to open a membership.
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
12 month - Save to Win Certificate of Deposit
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
12 Month Term Share Certificates
$100
3.51%
▼
Rate3.45%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
12 MONTH CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
4Front Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
12 Mo. Regular, Traditional & Roth IRA
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Bloom Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
12 Month CD Special Certificates and IRA Certificates
$500
3.44%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.76%
12 MONTH GOLDEN CD
$500
3.40%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
Jumbo and Jumbo IRA Certificates 1 Year
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 and Above
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
$500 Minimum Balance
Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
12 Month Fixed IRA
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Arbor Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.24%
12 Month Certificate
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
Jumbo Certificates 12 Month
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Bank of Ann Arbor
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
12 Month Retail CD
$1,000
3.00%
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates effective as of 03/23/2026 - 03/29/2026.
Filer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
12 MONTH MIN $ 1,000 Certificate
$0
2.99%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
1 Year Certificate of Deposit
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
CD, Traditional IRA CD & Roth IRA CD Accounts 12-Month
$0
2.85%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Settlers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
12 Month Share Certificates
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
FNB of Wakefield
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
12 mo Certificates of Deposit
$500
2.77%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
Save to Win? 12-Month Certificate*
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Jumbo Term Share Certificates 1 Year
$0
2.70%
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
12 Month Certificate of Deposit & Term IRAs
$500
2.53%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
1 Year Tier 3 Certificate
$0
2.35%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Iron Mountain Kingsford Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
12 Month Certificate
$0
2.26%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
The Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
12 Month Term Share Certificates
$500
2.25%
▼
Rate2.23%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
12 Month Certificates
$0
2.17%
▼
Rate2.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$50 Minimum Deposit
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Valley Credit Union Salem, OR
Institution Rating:
B4.4 ★Texas Ratio: 21.74%
1 Year Share and IRA Certificate
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Compass Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1-Year Share Certificate
$500
1.87%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Northern Interstate Bank, N. A.
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
12 Month CD
$1,000
1.76%
▼
Rate1.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Marshall Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
CD Special 12 Month
$500
1.65%
▼
Rate1.29%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
GRAND TRUNK BATTLE CREEK EMP
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
1 YEAR CERTIFICATE
$0
1.61%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
18-Month Special! Certificates of Deposit
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
At maturity, the CD will be renewed into a 24-month CD.
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
18 Month Compounding Certificates
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
18 Month CD
$0
3.81%
▼
Rate3.76%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
18 month Certificate of Deposit
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 18-Month Variable
$100,000
3.69%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 Minimum to Earn APY
Dearborn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
18 MONTH VARIABLE RATE IRA
$100
3.68%
▼
Rate3.62%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
(The interest rate and APY may change after account opening)
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
18 Month Certificate of Deposit
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
18 Month Certificate of Deposit
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
18 Month Heroes Cert / IRA
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
18 MO IRA Certificate
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
18 Month Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
Special Share Certificates 18 Month
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Journey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
18 Month Share Certificates and IRA Certificates
$500
3.40%
▼
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
$500 Minimum Balance
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
18 month Share Certificates
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Bank of Ann Arbor
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
18 Month Retail CD
$1,000
3.05%
▼
Rate3.02%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates effective as of 03/23/2026 - 03/29/2026.
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Share Certificate SPECIAL
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
18 Month Share Certificate
$500
2.93%
▼
Rate2.90%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
CD, Traditional IRA CD & Roth IRA CD Accounts 18-Month
$0
2.90%
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Settlers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
18 Month Share Certificates
$0
2.88%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
18 Month Certificate of Deposit & Term IRAs
$500
2.68%
▼
Rate2.65%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
4Front Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
18 Mo. Regular, Traditional & Roth IRA
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
The Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
18 Month Term Share Certificates
$500
2.35%
▼
Rate2.33%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
West Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
18 Month Certificates of Deposit (CDs)
$500
2.27%
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
18 Month Certificates
$0
1.92%
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$50 Minimum Deposit
Northern Interstate Bank, N. A.
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
18 Month CD
$1,000
1.91%
▼
Rate1.90%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
G. W. Jones Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
18 Month IRA
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
18 Month CD
$500
1.26%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
18 Month Term Share Account
$0
1.10%
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
GR Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
18 month Certificate
$500
1.06%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Century Bank and Trust MI
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
18 Month SEP IRA
$0
0.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
24 Month Youth CD
$250
4.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 12, 2026
Details
Youth CDs are available for members 18 years and under. Certificate must be opened under youth's name and SSN. The CD must have the same joint member as the savings account it is tied to.
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
2 Year Certificate of Deposit
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
24 Month Share Certificates and IRA Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
24 Month CD
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Soo-Co-Op Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
24 Month Term Certificates Compounding
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
24 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Relationship
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
24 MONTH CD
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
24 Month Certificate of Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
Special Share Certificates 24 Month
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.29%
Certificates 2 Year
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rates may increase .2% when a member qualifies for our loyalty benefits. Ask us for more details.
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
IRA Certificates 24 Month
$0
3.39%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
2-Year Certificate or IRA-HSA
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
Jumbo Certificates 24 Month
$0
3.27%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
24 MO IRA Certificate
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
4Front Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
24 Mo. Regular, Traditional & Roth IRA
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Harborlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2 Year Jumbo* Certificates of Deposit
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
24 Month Heroes Cert / IRA
$0
3.10%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Farm Bureau Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
24 MONTH CERTIFICATE
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Settlers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
24 Month Share Certificates
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
FNB of Wakefield
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
24 mo Certificates of Deposit
$500
3.02%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
24 Month Share Certificates
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
CD, Traditional IRA CD & Roth IRA CD Accounts 24-Month
$0
2.95%
▼
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
University of Michigan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
24 Month Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Filer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
24 MONTH MIN $ 1,000 Certificate
$0
2.89%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
24 Month Share Certificate
$500
2.88%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Community Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
2 Year Certificate
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
$1000 minimum deposit
One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
24 Month Certificate of Deposit & Term IRAs
$500
2.73%
▼
Rate2.70%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Kenowa Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
24 MO CERTIFICATE
$500
2.68%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Family Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate of Deposit & IRA Certificate Jumbo 24 Month
$25,000
2.63%
▼
Rate2.60%
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details
West Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
24 Month IRA Certificates
$500
2.52%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
The Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
24 Month Term Share Certificates
$500
2.50%
▼
Rate2.48%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
2 Year Tier 3 Certificate
$0
2.40%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
24 Month Term Share Certificates
$100
2.35%
▼
Rate2.32%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
PLUS Certificates 2 Year
$0
2.32%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate may change after the account is opened. We may impose a penalty if you withdraw funds before the maturity date.
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
2 YEAR CERTIFICATE
$0
2.28%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
2 Year CD Gold
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Valley Credit Union Salem, OR
Institution Rating:
B4.4 ★Texas Ratio: 21.74%
2 Year Share and IRA Certificate
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
2 year Share Certificates
$0
2.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
24 Month Certificates
$0
2.12%
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$50 Minimum Deposit
Alpena Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
IRA 24 MONTH
$2,000
2.02%
▼
Rate2.00%
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 2026
Details
Iron Mountain Kingsford Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
24 Month Certificate
$0
2.01%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
24 Month CD
$500
1.76%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
GRAND TRUNK BATTLE CREEK EMP
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
2 YEAR CERTIFICATE
$0
1.71%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Marshall Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
CD Special 24 Month
$500
1.65%
▼
Rate1.29%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Arbor Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.24%
24 Month Certificate
$0
1.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
36 Month Youth CD
$250
4.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 12, 2026
Details
Youth CDs are available for members 18 years and under. Certificate must be opened under youth's name and SSN. The CD must have the same joint member as the savings account it is tied to.
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
3-Year Rising Rate Certificate of Deposit Year 3 term
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
36 Month Share Certificates and IRA Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
36 Month CD
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
36 MONTH CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 36-Month Variable
$100,000
3.58%
▼
Rate3.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 Minimum to Earn APY
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
36 month Certificate of Deposit
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
FNB of Wakefield
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
36 mo Certificates of Deposit
$500
3.53%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.76%
36 MO GOLDEN CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
IRA Certificates 36 Month
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.10%
3 Year Share Certificate
$500
3.45%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3-Year Certificate or IRA-HSA
$500
3.40%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
$500 Minimum Balance
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
3 Year CD
$10,000
3.34%
▼
Rate3.30%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.29%
Certificates 3 Year
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rates may increase .2% when a member qualifies for our loyalty benefits. Ask us for more details.
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Share Certificates and IRA Share Certificates 36 Month
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Fees may reduce earnings. A penalty may be charged for early withdrawal of a share certificate or IRA. Membership is required; $5 minimum to open a membership.
4Front Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
36 Mo. Regular, Traditional & Roth IRA
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Farm Bureau Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
36 MONTH CERTIFICATE
$500
3.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
36 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Non-Relationship
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
CD, Traditional IRA CD & Roth IRA CD Accounts 36-Month
$0
3.05%
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Baraga County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
IRA 36 Month CD
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
No Fees
IncredibleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.55%
36 Month CD, Traditional IRA and Roth IRA
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Harborlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3 Year Jumbo* Certificates of Deposit
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
University of Michigan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
36 Month Certificate
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
36 Month Certificate of Deposit & Term IRAs
$500
2.89%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
36 Month Heroes Cert / IRA
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Filer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
36 MONTH MIN $ 1,000 Certificate
$0
2.79%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
The Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
36 Month Term Share Certificates
$500
2.75%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Family Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate of Deposit & IRA Certificate Jumbo 36 Month
$25,000
2.73%
▼
Rate2.70%
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
36 Month Share Certificate
$500
2.68%
▼
Rate2.65%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
3 Year Tier 3 Certificate
$0
2.60%
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
3 YEAR CERTIFICATE
$0
2.53%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
3 Year Certificate
$500
2.52%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Share Certificate 36 Month
$0
2.50%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
3 Year Compounding Certificates
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
36 Month Term Share Certificates
$100
2.40%
▼
Rate2.37%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
3 Year CD Gold
$0
2.38%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Kenowa Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
36 MO CERTIFICATE
$500
2.37%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
36 Month Certificates
$0
2.33%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$50 Minimum Deposit
Alpena Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
IRA 36 MONTH
$2,000
2.27%
▼
Rate2.25%
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 2026
Details
Compass Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
3-Year Share Certificate
$500
2.22%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3 year Share Certificates
$100,000
2.20%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Northern Interstate Bank, N. A.
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
36 Month CD
$1,000
2.07%
▼
Rate2.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
36 Month CD
$500
2.02%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
36 Month Share Certificates
$0
2.00%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Marshall Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
CD Special 36 Month
$500
1.80%
▼
Rate1.79%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Iron Mountain Kingsford Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
36 Month Certificate
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Arbor Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.24%
36 Month Certificate
$0
1.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
36 Month Term Share Account
$0
1.36%
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
48 Month Share Certificates and IRA Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
IRA & SHARE CERTIFICATES 4 YEAR
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
48 MONTH CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
48 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Relationship
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.76%
48 MO GOLDEN CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
48 month Certificate of Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
4-Year Certificate or IRA-HSA
$500
3.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
48 Month IRA Certificates
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
4 Year Certificate of Deposit
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
48 Month CD
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
48 Month Certificates
$0
3.27%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Share Certificates and IRA Share Certificates 48 Month
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Fees may reduce earnings. A penalty may be charged for early withdrawal of a share certificate or IRA. Membership is required; $5 minimum to open a membership.
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
CD, Traditional IRA CD & Roth IRA CD Accounts 48-Month
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
48 Month Certificate of Deposit & Term IRAs
$500
3.14%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Harborlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
4 Year Jumbo* Certificates of Deposit
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
FNB of Wakefield
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
48 mo Certificates of Deposit
$500
3.02%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
IRA Jumbo 48 Month Certificates
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
University of Michigan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
48 Month Certificate
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
48 Month Heroes Cert / IRA
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Family Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate of Deposit & IRA Certificate Jumbo 48 Month
$25,000
2.84%
▼
Rate2.80%
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
4 Year CD
$10,000
2.83%
▼
Rate2.80%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
4 Year Tier 2 Certificate
$0
2.80%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
4 Year Certificate
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Community Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
4 Year Certificate
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
$1000 minimum deposit
Filer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
48 MONTH MIN $ 1,000 Certificate
$0
2.63%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Valley Credit Union Salem, OR
Institution Rating:
B4.4 ★Texas Ratio: 21.74%
4 Year Share and IRA Certificate
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Ignite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
48 MONTH CERTIFICATE
$50
2.53%
▼
Rate—
Min Deposit$50
Min Balance—
UpdatedApr 12, 2026
Details
Alpena Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
IRA 48 MONTH
$2,000
2.52%
▼
Rate2.50%
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 2026
Details
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
4 Year CD Gold
$0
2.48%
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
48 Month Share Certificate
$500
2.47%
▼
Rate2.45%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
Non-Compounding Certificates 4 Year
$0
2.45%
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
4Front Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
48 Mo. Regular, Traditional & Roth IRA
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Kenowa Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
48 MO CERTIFICATE
$500
2.41%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
48 Month Term Share Certificates
$100
2.40%
▼
Rate2.37%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
Compass Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
4-Year Share Certificate
$500
2.38%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
48 Month IRA CD
$500
2.27%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Arbor Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.24%
48 Month Certificate
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
GRAND TRUNK BATTLE CREEK EMP
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
4 YEAR CERTIFICATE
$0
2.17%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Northern Interstate Bank, N. A.
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
48 Month CD
$1,000
2.12%
▼
Rate2.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
48 Month Share Certificates
$0
2.00%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Marshall Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
CD Special 48 Month
$500
1.80%
▼
Rate1.79%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
48 Month Term Share Account
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
48 Month Jumbo Certificate
$0
1.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
GR Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
48 month Certificate
$500
1.31%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
48 Month CD
$500
1.16%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
IRA 48 Month Term Share Certificates
$0
0.65%
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Community Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
4-Year Certificate
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
60 Month CD
$0
3.85%
▼
Rate3.79%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
60 Month Share Certificates and IRA Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
5-Year Certificate or IRA-HSA Jumbo
$100,000
3.70%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
60 MONTH CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
1.5 year Share Certificates of Deposit
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.76%
60 MO GOLDEN CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
60 Month Certificates
$0
3.54%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
60-Month HYC Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
CD, Traditional IRA CD & Roth IRA CD Accounts 60-Month
$0
3.45%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
5 Year Certificate of Deposit
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.10%
5 Year Share Certificate
$500
3.35%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
60 Month Certificate of Deposit & Term IRAs
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
60 Month Share Certificate Account
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
60 Month Share Certificates and IRA Share Certificates
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
60 Month Heroes Cert / IRA
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Family Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate of Deposit & IRA Certificate Jumbo 60 Month
$25,000
3.04%
▼
Rate3.00%
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
5 Year Certificate
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
The Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
60 Month Term Share Certificates
$500
3.00%
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
5 Year Tier 3 Certificate
$0
2.95%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
University of Michigan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
60 Month Certificate
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
IRA Certificates 60 Month
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Alpena Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
IRA 60 MONTH
$2,000
2.78%
▼
Rate2.75%
Min Deposit$2,000
Min Balance—
UpdatedApr 12, 2026
Details
FNB of Wakefield
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
60 mo Certificates of Deposit
$500
2.77%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Ignite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
60 MONTH CERTIFICATE
$50
2.73%
▼
Rate—
Min Deposit$50
Min Balance—
UpdatedApr 12, 2026
Details
Valley Credit Union Salem, OR
Institution Rating:
B4.4 ★Texas Ratio: 21.74%
5 Year Share and IRA Certificate
$0
2.70%
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
5 Year CD Gold
$0
2.58%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
5 Year CD
$10,000
2.57%
▼
Rate2.55%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
60 Month IRA CD
$500
2.53%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Arbor Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.24%
60 Month Certificate
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Filer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
60 MONTH MIN $ 1,000 Certificate
$0
2.48%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Kenowa Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
60 MO CERTIFICATE
$500
2.46%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
4Front Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
60 Mo. Regular, Traditional & Roth IRA
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Northern Interstate Bank, N. A.
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
60 Month CD
$1,000
2.27%
▼
Rate2.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
5 year Share Certificate
$100,000
2.20%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
60 Month Share Certificates
$0
2.00%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Vibe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
60 Month Certificate
$0
1.90%
▼
Rate1.89%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Marshall Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
CD Special 60 Month
$500
1.80%
▼
Rate1.79%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
60 Month Term Share Account
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
60 Month Jumbo Certificate
$0
1.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
GR Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
60 Month Certificate
$500
1.41%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
60 Month CD
$500
1.31%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Mayville State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
Certificates of Deposit (CDs) 60 Month
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
IRA 60 Month Term Share Certificates
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Community Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
5-Year Certificate
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Lake Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
12 Month to 60 Month Certificate of Deposit
$500
0.25%
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
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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.
Conway, MI CD Rate Trends
Compare local Conway, MI 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
2.908%
Unchanged vs 7 days ago
Michigan 12-month CD rates currently average 2.908% APY based on data from institutions in our monitoring network.
6-Month CD — MI Avg
2.896%
Unchanged vs 7 days ago
Michigan 6-month CD rates currently average 2.896% APY based on data from institutions in our monitoring network.
As of Apr 12, 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 April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MI 12-Month Avg APY
2.908%
6-Month Forecast
2.908%
Range: 2.71% – 3.06%
12-Month Forecast
2.658%
Range: 2.46% – 2.81%
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 | 2.131% | $106.56 | $213.11 | $532.78 | $1,065.55 |
| 6-Month CD | 2.896% | $144.80 | $289.59 | $723.98 | $1,447.95 |
| 12-Month CD | 2.908% | $145.41 | $290.82 | $727.05 | $1,454.10 |
| 18-Month CD | 2.931% | $146.55 | $293.09 | $732.73 | $1,465.45 |
| 24-Month CD | 2.741% | $137.05 | $274.09 | $685.23 | $1,370.45 |
| 36-Month CD | 2.647% | $132.34 | $264.67 | $661.68 | $1,323.35 |
| 48-Month CD | 2.703% | $135.15 | $270.29 | $675.73 | $1,351.45 |
| 60-Month CD | 2.739% | $136.95 | $273.90 | $684.75 | $1,369.50 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 12, 2026. | |||||
Sample CD Ladder for Conway, 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 | 2.131% | $106.56 |
| 2 | 6-Month CD | $5,000 | 2.896% | $144.80 |
| 3 | 12-Month CD | $5,000 | 2.908% | $145.41 |
| 4 | 24-Month CD | $5,000 | 2.741% | $137.05 |
| 5 | 36-Month CD | $5,000 | 2.647% | $132.34 |
| Total ($25,000 invested) | $25,000 | 2.665% blended | $666.16/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.
146
Institutions
in Conway, Michigan
in Conway, Michigan
21 Banks
82 Credit Unions
About Our Conway, Michigan CD Rate Database
MonitorBankRates tracks CD rates from 21 banks and 82 credit unions with locations in Conway, Michigan, plus national online institutions available to Michigan residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: United Financial Credit Union offers a CD at 5.05% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Conway, Michigan.
How to Find the Best CD Rates in Conway, Michigan
What to compare when shopping for a CD in Conway, Michigan
To find the best APYs in Conway, Michigan, start with credit unions and online-only banks — Conway, Michigan has 82 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 Conway, 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 Conway, Michigan — 103 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Conway, Michigan savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Conway, Michigan money market rates
Michigan Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
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
$125/yr
At MI 12-mo avg 2.908% 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 2.908%, saving 10% of the local median salary ($4,293/year) and putting it in a CD would earn an additional $125 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 Conway, Michigan
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Conway, Michigan
Are CD rates in Conway, Michigan FDIC insured?
Yes, most established banks in Conway, 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 Conway, 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 Conway, 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 Conway, 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 Conway, Michigan?
Here are recent top rates found for this area:
- United Financial Credit Union: 5.05% APY (6 month - 4H or FFA CD)
- OMNI Community Credit Union: 5.00% APY (12 Month Youth Special Certificate)
- Astera Credit Union: 4.90% APY (6-mo. CD Special)
- Wolverine State Credit Union: 4.34% APY (1 YEAR YOUTH CD)
- Meijer Credit Union: 4.25% APY (12-Month CD)
- Family Financial Credit Union: 4.18% APY (Certificate of Deposit & IRA Certificate Jumbo 12 Month)
- Alpena-Alcona Area Credit Union: 4.06% APY (12 Month Certificate)
- Maui Teachers Federal Credit Union: 4.06% APY (6 Month Share Certificate SPECIAL!)
- Construction Federal Credit Union: 4.00% APY (6 Month Certificate of Deposit)
- Monroe Community Credit Union: 4.00% APY (24 Month Youth CD)
Rates reflect recent verified offers available in Conway, Michigan. Last Updated: April 12, 2026
CD Calculators for Conway, Michigan
Conway, Michigan CD Calculator
At today’s MI top rate of 5.05% APY, a $10,000 deposit earns $505 in the first year. Enter your amount to see your exact return.
Conway, Michigan CD LadderMI CD rates currently range from 2.131% (3-month) to 2.647% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Conway, Michigan CD at 5.05% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsMichigan’s average 12-month CD is 2.908% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Conway, Michigan directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Conway, 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: April 12, 2026
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