CD Rates Jackson, Michigan (MI) for April 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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 Jackson, Michigan CD rates include Michigan State University Federal Credit UnionMichigan State University Federal Credit Union1800 N Wisner St, Jackson, MI 49202 4198A5.0 ★Texas Ratio: 9.68% offering 5-Year Certificate or IRA-HSA Jumbo at 3.70% APY, American 1 Credit UnionAmerican 1 Credit Union718 E Michigan Ave, Jackson, MI 49201A5.0 ★Texas Ratio: 11.10% offering 2 Year Share Certificate at 3.50% APY, Aeroquip Credit UnionAeroquip Credit Union901 Plymouth St, Jackson, MI 49201A+5.0 ★Texas Ratio: 2.13% offering 1 Year Certificates of Deposit at 3.25% APY, BlueOx Credit UnionBlueOx Credit Union408 E Ganson St, Jackson, MI 49201 1509A5.0 ★Texas Ratio: 8.12% offering 60 Month Certificate at 2.73% APY, and South Central Credit UnionSouth Central Credit Union958 W Monroe St, Jackson, MI 49202 2036A+5.0 ★Texas Ratio: 1.65% offering 5 Year CD Gold at 2.58% APY. CD rates as of April 11, 2026 according to verified data from MonitorBankRates.
Jackson has 36 local institutions in our database, with CD rates as high as 3.70% APY from Michigan State University Federal Credit Union at 1800 N Wisner St, Jackson, MI 49202 4198. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Michigan area. 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 11, 2026
Compare Best CD Rates in Jackson, Michigan & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
1800 N Wisner St, Jackson, MI 49202 4198
3-Month Certificate or IRA-HSA Jumbo
$100,000
3.15%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
958 W Monroe St, Jackson, MI 49202 2036
3 Month CD Gold
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
408 E Ganson St, Jackson, MI 49201 1509
3 Month Certificate
$50
1.10%
▼
Rate1.10%
Min Deposit$50
Min Balance—
UpdatedApr 11, 2026
Details
$50 Minimum Deposit
Community Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1425 W Parnall Rd, Jackson, MI 49201 8610
3-Month Certificate
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.43%
3-Month Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
No minimum deposit.
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 11, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3 month Share Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
3 Month CD
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
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 11, 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 11, 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 11, 2026
Details
A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates effective as of 03/23/2026 - 03/29/2026.
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 11, 2026
Details
Relationship
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 11, 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 11, 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 11, 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 11, 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 11, 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 11, 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 11, 2026
Details
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 11, 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 11, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
3 Month Term Share Certificates
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 11, 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 11, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
1800 N Wisner St, Jackson, MI 49202 4198
6-Month Certificate or IRA-HSA Jumbo
$100,000
3.55%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
958 W Monroe St, Jackson, MI 49202 2036
6 Month CD Gold
$0
1.56%
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
408 E Ganson St, Jackson, MI 49201 1509
6 Month Certificate
$50
1.51%
▼
Rate1.50%
Min Deposit$50
Min Balance—
UpdatedApr 11, 2026
Details
$50 Minimum Deposit
Community Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1425 W Parnall Rd, Jackson, MI 49201 8610
6-Month Certificate
$0
0.15%
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
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 11, 2026
Details
Amount of 4H or FFA Check; Max $5,000
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
6 month CD - 90th Anniversary Special
$0
4.90%
▼
Rate4.81%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 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 11, 2026
Details
Quarterly Dividend Transfers, Non-Automatic Renewal, Simple Interest, Paid Quarterly! NEW MONEY ONLY!!!
Michigan Columbus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
6 Month CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 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 11, 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 11, 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 11, 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 11, 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 11, 2026
Details
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details
$500 Minimum; Direct Deposit
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
Certificate Dividend Rate 6 Month Youth
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 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 11, 2026
Details
Must be 25 or younger; $2,000 maximum deposit; Deposits: $50 Increments; Up to 10 Youth CD's per youth account; APY will vary depending on the initial certificate deposit amount; There is a penalty for early withdrawal.
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
6 Month IRA Certificates
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
6 MO IRA Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 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 11, 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 11, 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 11, 2026
Details
Farm Bureau Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
6 MONTH CERTIFICATE
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 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 11, 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 Certificate
$0
3.09%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 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 11, 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 11, 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 11, 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 11, 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 11, 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 11, 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 11, 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 11, 2026
Details
4Front Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
6 Mo. Regular, Traditional & Roth IRA
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedApr 11, 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 11, 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 11, 2026
Details
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Share Certificate 6 Month
$0
2.00%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 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 11, 2026
Details
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
6 Month Certificate
$500
1.72%
▼
Rate1.70%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details
$500 minimum
Marshall Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
6 Month CD Special
$1,000
1.65%
▼
Rate1.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details
Premier APY
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 11, 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 11, 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 11, 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 11, 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 11, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details
Lake Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
6 Month Certificate of Deposit
$500
0.25%
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
6 Month Term Share Certificates
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
1800 N Wisner St, Jackson, MI 49202 4198
1-Year Add-On Certificate or IRA-HSA Jumbo
$100,000
3.55%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.10%
718 E Michigan Ave, Jackson, MI 49201
1 Year Share Certificate
$500
3.35%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details
Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
901 Plymouth St, Jackson, MI 49201
1 Year Certificates of Deposit
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
408 E Ganson St, Jackson, MI 49201 1509
Youth 12 Month Certificates
$0
2.17%
▼
Rate2.15%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Youth Certificates: .75% Rate Increase for Trailblazer Youth Program Members***
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
958 W Monroe St, Jackson, MI 49202 2036
1 Year CD Gold
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Community Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1425 W Parnall Rd, Jackson, MI 49201 8610
1-Year Certificate
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
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 11, 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 11, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 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 11, 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 11, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
12 month Certificate of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 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 11, 2026
Details
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
12 Month CD
$0
3.95%
▼
Rate3.89%
Min Deposit$0
Min Balance—
UpdatedApr 11, 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 11, 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 11, 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 11, 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 11, 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 11, 2026
Details
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Certificate of Deposit 12 Month
$0
3.73%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 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 11, 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.
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details
$500 Minimum; Direct Deposit
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
Youth/Young Adult 12-Month Certificate*
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Limited time CD Special.
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 11, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
12 Month Certificates of Deposit (CDs)
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 11, 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 11, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
12 Month IRA Certificates
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 11, 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 11, 2026
Details
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
12 Month Promo CD Special
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
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 11, 2026
Details
Farm Bureau Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
12 MONTH CERTIFICATE
$500
3.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
12 Month Share Certificate
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 11, 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 11, 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 Certificate
$0
2.99%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 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 11, 2026
Details
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 11, 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 11, 2026
Details
Kenowa Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
12 MO CERTIFICATE
$500
2.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 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 11, 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 11, 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 11, 2026
Details
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Share Certificate 12 Month
$0
2.25%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
The Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
12 Month Save to Win Term Share Certificates
$25
2.05%
▼
Rate2.03%
Min Deposit$25
Min Balance—
UpdatedApr 11, 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 11, 2026
Details
Flagship Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
12 Month CD
$0
1.95%
▼
Rate1.95%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1 Year Certificate
$1,000
1.91%
▼
Rate1.90%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details
$1,000 minimum
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 11, 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 11, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
1800 N Wisner St, Jackson, MI 49202 4198
18 Month Certificate or IRA-HSA Jumbo
$100,000
3.50%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details
BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
408 E Ganson St, Jackson, MI 49201 1509
18 Month Certificate
$50
1.92%
▼
Rate1.90%
Min Deposit$50
Min Balance—
UpdatedApr 11, 2026
Details
$50 Minimum Deposit
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 11, 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 11, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 11, 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 11, 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 11, 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 11, 2026
Details
(The interest rate and APY may change after account opening)
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 11, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 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 11, 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 11, 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 11, 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 11, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
18 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Non-Relationship
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 11, 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 11, 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 11, 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 11, 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 11, 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 11, 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 11, 2026
Details
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
18 Month Term Share Certificates
$100
2.35%
▼
Rate2.32%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details
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 11, 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 11, 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 11, 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 11, 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 11, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 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 11, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.10%
718 E Michigan Ave, Jackson, MI 49201
2 Year Share Certificate
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
1800 N Wisner St, Jackson, MI 49202 4198
2-Year Certificate or IRA-HSA
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
958 W Monroe St, Jackson, MI 49202 2036
2 Year CD Gold
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
408 E Ganson St, Jackson, MI 49201 1509
24 Month Certificate
$50
2.12%
▼
Rate2.10%
Min Deposit$50
Min Balance—
UpdatedApr 11, 2026
Details
$50 Minimum Deposit
Community Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1425 W Parnall Rd, Jackson, MI 49201 8610
2-Year Certificate
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
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 11, 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.
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
24-Month HYC Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 11, 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 11, 2026
Details
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
24 Month IRA Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
2 Year CD
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedApr 11, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
24 month Certificate of Deposit
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
2 year Share Certificates of Deposit
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 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 11, 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 11, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details
$500 Minimum
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 11, 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 11, 2026
Details
Dearborn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
2 YEAR IRA
$250
3.20%
▼
Rate3.20%
Min Deposit$250
Min Balance—
UpdatedApr 11, 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 11, 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 11, 2026
Details
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
24 Month Start 'N Grow Certificates
$0
3.10%
▼
Rate3.07%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
($500 minimum)
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 11, 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 11, 2026
Details
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 11, 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 11, 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 11, 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 11, 2026
Details
Filer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
24 Month Certificate
$0
2.89%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 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 11, 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 11, 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 11, 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 11, 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 11, 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 11, 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 11, 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 11, 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 11, 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 11, 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 11, 2026
Details
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 11, 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 11, 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 11, 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 11, 2026
Details
Marshall Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
24 Month CD Special
$500
1.65%
▼
Rate1.29%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details
Premier APY
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
CDARS? 2 Year
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
GR Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
24 month Certificate
$500
1.11%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
24 Month Jumbo Certificate
$0
1.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
1800 N Wisner St, Jackson, MI 49202 4198
3-Year Certificate or IRA-HSA Jumbo
$100,000
3.55%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.10%
718 E Michigan Ave, Jackson, MI 49201
3 Year Share Certificate
$500
3.45%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
958 W Monroe St, Jackson, MI 49202 2036
3 Year CD Gold
$0
2.38%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
408 E Ganson St, Jackson, MI 49201 1509
36 Month Certificate
$50
2.33%
▼
Rate2.30%
Min Deposit$50
Min Balance—
UpdatedApr 11, 2026
Details
$50 Minimum Deposit
Community Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1425 W Parnall Rd, Jackson, MI 49201 8610
3-Year Certificate
$0
0.35%
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
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 11, 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.
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
36 Month Certificates of Deposit (CDs)
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedApr 11, 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 11, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
36 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Relationship
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 11, 2026
Details
$100,000 Minimum to Earn APY
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 11, 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 11, 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 11, 2026
Details
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
Certificate Dividend Rate 36 Month Jump Rate Certificate
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit 36 Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details
$500 Minimum
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 11, 2026
Details
Rates may increase .2% when a member qualifies for our loyalty benefits. Ask us for more details.
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
3 Year CD
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
36 MO IRA Certificate
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details
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 11, 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 11, 2026
Details
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 11, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
36 Month Certificates
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
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 11, 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 11, 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 11, 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 11, 2026
Details
Filer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
36 Month Certificate
$0
2.79%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 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 11, 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 11, 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 11, 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 11, 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 11, 2026
Details
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
3 Year Certificate
$1,000
2.52%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details
$1,000 minimum
Valley Credit Union Salem, OR
Institution Rating:
B4.4 ★Texas Ratio: 21.74%
3 Year Share and IRA Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 11, 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 11, 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 11, 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 11, 2026
Details
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 11, 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 11, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3 year Share Certificate
$100,000
2.20%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 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 11, 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 11, 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 11, 2026
Details
Marshall Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
36 Month CD Special
$500
1.80%
▼
Rate1.79%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details
Premier APY
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 11, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
CDARS? 3 Year
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
3 Year Fixed Rate Term Share IRAs
$0
1.36%
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
36 Month Jumbo Certificate
$0
1.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
1800 N Wisner St, Jackson, MI 49202 4198
4-Year Certificate or IRA-HSA Jumbo
$100,000
3.60%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.10%
718 E Michigan Ave, Jackson, MI 49201
4 Year Share Certificate
$500
3.40%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details
BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
408 E Ganson St, Jackson, MI 49201 1509
48 Month Certificate
$50
2.53%
▼
Rate2.50%
Min Deposit$50
Min Balance—
UpdatedApr 11, 2026
Details
$50 Minimum Deposit
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
958 W Monroe St, Jackson, MI 49202 2036
4 Year CD Gold
$0
2.48%
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Community Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1425 W Parnall Rd, Jackson, MI 49201 8610
4-Year Certificate
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
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 11, 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 11, 2026
Details
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
48 Month CD
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
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 11, 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 11, 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 11, 2026
Details
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details
$500 Minimum
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 11, 2026
Details
Farm Bureau Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
48 MONTH CERTIFICATE
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details
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 11, 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 11, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
48 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Non-Relationship
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 11, 2026
Details
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 11, 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 11, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
4 Year Tier 3 Certificate
$0
2.85%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 11, 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 11, 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 11, 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 11, 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 11, 2026
Details
$1000 minimum deposit
Filer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
48 Month Certificate
$0
2.63%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 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 11, 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 11, 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 11, 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 11, 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 11, 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 11, 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 11, 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 11, 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 11, 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 11, 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 11, 2026
Details
Marshall Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
48 Month CD Special
$500
1.80%
▼
Rate1.79%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details
Premier APY
OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
4 Year Fixed Rate Term Share IRAs
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 11, 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 11, 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 11, 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 11, 2026
Details
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
48 Month Term Share Certificates
$0
0.65%
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
1800 N Wisner St, Jackson, MI 49202 4198
5-Year Certificate or IRA-HSA Jumbo
$100,000
3.70%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.10%
718 E Michigan Ave, Jackson, MI 49201
5 Year Share Certificate
$500
3.35%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details
BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
408 E Ganson St, Jackson, MI 49201 1509
60 Month Certificate
$50
2.73%
▼
Rate2.70%
Min Deposit$50
Min Balance—
UpdatedApr 11, 2026
Details
$50 Minimum Deposit
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
958 W Monroe St, Jackson, MI 49202 2036
5 Year CD Gold
$0
2.58%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Community Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1425 W Parnall Rd, Jackson, MI 49201 8610
5-Year Certificate
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
First Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
Share Certificate 60 Month Term
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
60 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Relationship
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details
$500 Minimum; Direct Deposit
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 11, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
60 Month IRA Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 11, 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 11, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
60 MO IRA Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 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 11, 2026
Details
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
Certificate Dividend Rate 60 Month Jump Rate Certificate
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 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 11, 2026
Details
Farm Bureau Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
60 MONTH CERTIFICATE
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details
Harborlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
5 Year Jumbo* Certificates of Deposit
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 11, 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 11, 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 11, 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 11, 2026
Details
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.29%
Certificates 5 Year
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Rates may increase .2% when a member qualifies for our loyalty benefits. Ask us for more 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 11, 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 11, 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 11, 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 11, 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 11, 2026
Details
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
5 Year Compounding Certificates
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
60 Month Term Share Certificates
$100
2.50%
▼
Rate2.47%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details
Filer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
60 Month Certificate
$0
2.48%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 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 11, 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 11, 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 11, 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 11, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 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 11, 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 11, 2026
Details
Marshall Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
60 Month CD Special
$500
1.80%
▼
Rate1.79%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details
Premier APY
OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
5 Year Fixed Rate Term Share IRAs
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 11, 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 11, 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 11, 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 11, 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 11, 2026
Details
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
60 Month Term Share Certificates
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 11, 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 11, 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.
Jackson, MI CD Rate Trends
Compare local Jackson, 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
2.542%
▼ 0.477 vs 7 days ago
Michigan 12-month CD rates fell 0.477 points over the past 7 days to 2.542% APY.
6-Month CD — MI Avg
2.825%
▼ 0.114 vs 7 days ago
Michigan 6-month CD rates fell 0.114 points over the past 7 days to 2.825% APY.
As of Apr 11, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about CD Rates in Jackson, Michigan
Are CD rates in Jackson, Michigan FDIC insured?
Yes, most established banks in Jackson, 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 Jackson, 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 Jackson, 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 Jackson, 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 Jackson, Michigan?
Here are recent top rates found for this area:
- Michigan State University Federal Credit Union: 3.70% APY (5-Year Certificate or IRA-HSA Jumbo)
- American 1 Credit Union: 3.50% APY (2 Year Share Certificate)
- Aeroquip Credit Union: 3.25% APY (1 Year Certificates of Deposit)
- BlueOx Credit Union: 2.73% APY (60 Month Certificate)
- South Central Credit Union: 2.58% APY (5 Year CD Gold)
- Community Choice Credit Union: 0.50% APY (5-Year Certificate)
- 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)
- Adventure Credit Union: 4.90% APY (6 month CD - 90th Anniversary Special)
- Wolverine State Credit Union: 4.34% APY (1 YEAR YOUTH CD)
Rates reflect recent verified offers available in Jackson, Michigan. Last Updated: April 11, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Jackson, 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 Jackson, 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 11, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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