Saginaw, Michigan Best CD Rates October 2026
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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.
Saginaw, Michigan CD rates range from 0.01% to 5.25% APY, verified by MonitorBankRates as of October 13, 2026. Current Saginaw, Michigan CD rates include United Financial Credit UnionUnited Financial Credit Union4685 STATE ST, SAGINAW, MI 48603A+5.0 ★Texas Ratio: 5.54%Real return: +2.25%APY minus CPI (February 2026) offering 6 month - 4H or FFA CD at 5.05% APY, Lake Huron Credit UnionLake Huron Credit Union1540 Tittabawassee Rd, Saginaw, MI 48604 9445A5.0 ★Texas Ratio: 6.25%Real return: +1.70%APY minus CPI (February 2026) offering 24 Month Certificate of Deposit at 4.50% APY, DOWDOW5420 Gratiot Rd, Saginaw, MI 48638 6056A+5.0 ★Texas Ratio: 1.26%Real return: +1.70%APY minus CPI (February 2026) offering 3 - 60 Month Simple CDs at 4.50% APY, LMCU Lake Michigan Credit UnionLMCU Lake Michigan Credit Union5430 State St, Saginaw, MI 48603A+5.0 ★Texas Ratio: 2.31%Real return: +1.35%APY minus CPI (February 2026) offering 60 Month IRA/HSA CD - VIP Bonus at 4.15% APY, and Wildfire Credit UnionWildfire Credit Union6640 Bay Rd, Saginaw, MI 48604A+5.0 ★Texas Ratio: 3.16%Real return: +1.27%APY minus CPI (February 2026) offering 60 Month Jumbo Business Certificates at 4.07% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.
Saginaw has 365 local institutions in our database, with CD rates as high as 5.05% APY from United Financial Credit Union at 4685 STATE ST, SAGINAW, MI 48603. 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, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 13, 2026
Compare Best CD Rates in Saginaw, Michigan & the Surrounding Area
Saginaw 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
5420 Gratiot Rd, Saginaw, MI 48638 6056
Simple CDs - 3 Months
$0
4.35%
▲ 2.22% above Michigan avg
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.13%▲ 2.22% above avgNationally 2.09%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
- Oct 6, 20264.35%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Independent Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1445 N Center, Saginaw, MI 48638
3-Month CD Special
$1,000
3.76%
▲ 1.63% above Michigan avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.13%▲ 1.63% above avgNationally 2.09%
Details
Rate History
2 changes since Sep 18, 2026 · 3.56% → 3.76% ▲ 0.20 pts · high 3.76% / low 3.56%
- Oct 2, 20263.76%▲ from 3.66%
- Sep 24, 20263.66%▲ from 3.56%
- Sep 18, 20263.56%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5430 State St, Saginaw, MI 48603
3 Month IRA/HSA CD - VIP Bonus
$500
3.55%
▲ 1.42% above Michigan avg
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 1.42% above avgNationally 2.09%
Details
VIP Bonus Rate; includes 0.25% VIP Relationship Reward Bonus
Rate History
No change since Oct 13, 2026 · 3.55% APY
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5430 State St, Saginaw, MI 48603
3 Month CD - VIP Bonus
$500
3.40%
▲ 1.27% above Michigan avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 1.27% above avgNationally 2.09%
Details
VIP Relationship Reward Bonus; VIP Bonus Rate 3.35%; VIP Bonus APY 3.40%
Rate History
No change since Oct 13, 2026 · 3.40% APY
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5430 State St, Saginaw, MI 48603
3 Month IRA/HSA CD
$500
3.30%
▲ 1.17% above Michigan avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 1.17% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 6 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5430 State St, Saginaw, MI 48603
3 Month CD
$500
3.15%
▲ 1.02% above Michigan avg
▼
Rate3.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 1.02% above avgNationally 2.09%
Details
Dividend Rate (Interest) 3.11%; APY 3.15%
Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 6 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
2796 Erna Dr, Saginaw, MI 48603
3 Month CD-Certificate of Deposit
$0
2.95%
▲ 0.82% above Michigan avg
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 0.82% above avgNationally 2.09%
Details
Balance: $250,000 and up
Rate History
No change since Sep 22, 2026 · 2.95% APY · checked 6 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
2796 Erna Dr, Saginaw, MI 48603
3 Month CD-Certificate of Deposit
$0
2.90%
▲ 0.77% above Michigan avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 0.77% above avgNationally 2.09%
Details
Balance: $150,000 - $249,000
Rate History
No change since Sep 22, 2026 · 2.90% APY · checked 6 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
2796 Erna Dr, Saginaw, MI 48603
3 Month CD-Certificate of Deposit
$0
2.85%
▲ 0.72% above Michigan avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 0.72% above avgNationally 2.09%
Details
Balance: $100,000 - $149,000
Rate History
No change since Sep 22, 2026 · 2.85% APY · checked 6 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
2796 Erna Dr, Saginaw, MI 48603
3 Month CD-Certificate of Deposit
$0
2.80%
▲ 0.67% above Michigan avg
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 0.67% above avgNationally 2.09%
Details
Balance: $500 - $99,999
Rate History
No change since Sep 22, 2026 · 2.80% APY · checked 6 times
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
3 Month Regular CD
$1,000
2.25%
▲ 0.12% above Michigan avg
▼
Rate2.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 0.12% above avgNationally 2.09%
Details
Balance: $500,000.00 and over; Dividends compounded and credited monthly
Rate History
No change since Oct 13, 2026 · 2.25% APY
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
3 Month Traditional CD
$1,000
2.25%
▲ 0.12% above Michigan avg
▼
Rate2.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 0.12% above avgNationally 2.09%
Details
Balance: $500,000.00 and over; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 4 times
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
3 Month Regular CD / Traditional IRA CD & Roth IRA CD
$1,000
2.20%
▲ 0.07% above Michigan avg
▼
Rate2.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 0.07% above avgNationally 2.09%
Details
Balance: $250,000.00 - $499,999.99; Dividends compounded and credited monthly
Rate History
No change since Oct 13, 2026 · 2.20% APY
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
3 Month Traditional CD
$1,000
2.20%
▲ 0.07% above Michigan avg
▼
Rate2.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 0.07% above avgNationally 2.09%
Details
Balance: $250,000.00 - $499,999.99; Also available as Traditional IRA CD and Roth IRA CD; CD, Traditional IRA CD & Roth IRA CD Accounts
Rate History
No change since Sep 14, 2026 · 2.20% APY · checked 4 times
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
3 Month Regular CD / Traditional IRA CD & Roth IRA CD
$1,000
2.15%
▲ 0.02% above Michigan avg
▼
Rate2.13%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 0.02% above avgNationally 2.09%
Details
Balance: $100,000.00 - $249,999.99
Rate History
No change since Oct 13, 2026 · 2.15% APY
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
3 Month Traditional CD
$1,000
2.15%
▲ 0.02% above Michigan avg
▼
Rate2.13%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 0.02% above avgNationally 2.09%
Details
Balance: $100,000.00 - $249,999.99; Also listed under Traditional IRA CD & Roth IRA CD Accounts; CD, Traditional IRA CD & Roth IRA CD Accounts
Rate History
No change since Sep 14, 2026 · 2.15% APY · checked 4 times
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
3 Month Regular CD
$1,000
2.10%
▼ 0.03% below Michigan avg
▼
Rate2.08%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▼ 0.03% below avgNationally 2.09%
Details
Balance: $30,000.00 - 99,999.99; applies to Regular CD / Traditional IRA CD & Roth IRA CD Accounts
Rate History
No change since Oct 13, 2026 · 2.10% APY
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
3 Month Traditional CD
$1,000
2.10%
▼ 0.03% below Michigan avg
▼
Rate2.08%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▼ 0.03% below avgNationally 2.09%
Details
Balance: $30,000.00 - 99,999.99; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts
Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 4 times
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
3 Month Regular CD / Traditional IRA CD & Roth IRA CD Accounts
$1,000
2.05%
▼ 0.08% below Michigan avg
▼
Rate2.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▼ 0.08% below avgNationally 2.09%
Details
Balance: $1,000.00 - $29,999.99
Rate History
No change since Oct 13, 2026 · 2.05% APY
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
Traditional CD - 3-Month
$1,000
2.05%
▼ 0.08% below Michigan avg
▼
Rate2.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▼ 0.08% below avgNationally 2.09%
Details
Balance: $1,000.00 - $29,999.99; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts
Rate History
1 change since Sep 14, 2026 · 2.20% → 2.05% ▼ 0.15 pts · high 2.20% / low 2.05%
- Oct 13, 20262.05%▼ from 2.20%
- Sep 14, 20262.20%first recorded
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
520 HAYDEN ST, SAGINAW, MI 48607
3 Month Certificate of Deposit
$0
1.00%
▼ 1.13% below Michigan avg
▼
Rate0.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▼ 1.13% below avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 4 times
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1011 N Michigan Ave, Saginaw, MI 48602 4326
3 Month Certificates of Deposit
$500
0.50%
▼ 1.63% below Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▼ 1.63% below avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 5 times
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1011 N Michigan Ave, Saginaw, MI 48602 4326
Certificate of Deposit - 3 Months
$500
0.50%
▼ 1.63% below Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▼ 1.63% below avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 5 times
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
6180 State St, Saginaw, MI 48603
3 Month Share Certificate
$1,000
0.50%
▼ 1.63% below Michigan avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.13%▼ 1.63% below avgNationally 2.09%
Details
Rate History
No change since Sep 22, 2026 · 0.50% APY · checked 2 times
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
6180 State St, Saginaw, MI 48603
Traditional and Roth IRA Share Certificates - 3 Month
$0
0.50%
▼ 1.63% below Michigan avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.13%▼ 1.63% below avgNationally 2.09%
Details
Compounded/Paid: Monthly / Monthly
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 3 times
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
6180 State St, Saginaw, MI 48603
Youth 3 Month Share Certificate
$100
0.50%
▼ 1.63% below Michigan avg
▼
Rate0.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.13%▼ 1.63% below avgNationally 2.09%
Details
Subsequent deposits are allowed. For minors 17 years of age or younger.
Rate History
No change since Sep 22, 2026 · 0.50% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2322 Tittabawassee Rd, Saginaw, MI 48604
3 Month Certificate of Deposit
$0
0.03%
▼ 2.10% below Michigan avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.13%▼ 2.10% below avgNationally 2.09%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2322 Tittabawassee Rd, Saginaw, MI 48604
3 Month Certificate of Deposit
$0
0.02%
▼ 2.11% below Michigan avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.13%▼ 2.11% below avgNationally 2.09%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2322 Tittabawassee Rd, Saginaw, MI 48604
3 Month Certificate of Deposit
$0
0.01%
▼ 2.12% below Michigan avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.13%▼ 2.12% below avgNationally 2.09%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
Jumbo CD 3 Months
$3,000,000
4.32%
▲ 2.19% above Michigan avg
▼
Rate4.25%
Min Deposit$3,000,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.13%▲ 2.19% above avgNationally 2.09%
Details
Max: $6,000,000
Rate History
No change since Sep 21, 2026 · 4.32% APY · checked 4 times
First State Bank (MI)
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
90 Day Jumbo CD
$0
4.10%
▲ 1.97% above Michigan avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.13%▲ 1.97% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 3 times
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
Jumbo CD 3 Months
$500,000
4.06%
▲ 1.93% above Michigan avg
▼
Rate4.00%
Min Deposit$500,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.13%▲ 1.93% above avgNationally 2.09%
Details
Max: $6,000,000
Rate History
No change since Sep 21, 2026 · 4.06% APY · checked 4 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3-Month Certificate
$0
4.00%
▲ 1.87% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.13%▲ 1.87% above avgNationally 2.09%
Details
No minimum deposit.
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3 Month Share Certificate
$1,000
4.00%
▲ 1.87% above Michigan avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.13%▲ 1.87% above avgNationally 2.09%
Details
Limited Time 3-Month and 6-Month Share Certificates available on new Certificates. This is a promotional yield. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity.
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
West Shore Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
3 Month CD Specials
$500
3.90%
▲ 1.77% above Michigan avg
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Michigan Average2.13%▲ 1.77% above avgNationally 2.09%
Details
Rate History
No change since Sep 11, 2026 · 3.90% APY · checked 7 times
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
3 Month Certificate of Deposit
$0
3.85%
▲ 1.72% above Michigan avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.13%▲ 1.72% above avgNationally 2.09%
Details
Rate History
1 change since Sep 18, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60%
- Sep 24, 20263.85%▲ from 3.60%
- Sep 18, 20263.60%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Time Certificate of Deposit - 3 Month
$0
3.85%
▲ 1.72% above Michigan avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.13%▲ 1.72% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
3-Month Certificate
$1,000
3.85%
▲ 1.72% above Michigan avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.13%▲ 1.72% above avgNationally 2.09%
Details
Rate History
1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Sep 27, 20263.85%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
3 month Business Share Certificates
$0
3.75%
▲ 1.62% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 1.62% above avgNationally 2.09%
Details
Balance: $1,000 to $24,999
Rate History
No change since Oct 13, 2026 · 3.75% APY
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
3 month Share Certificates
$0
3.75%
▲ 1.62% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 1.62% above avgNationally 2.09%
Details
Balance: $1,000 to $24,999; Rates effective as of 10/13/2026
Rate History
No change since Oct 13, 2026 · 3.75% APY
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
Share Certificates - 3 month
$1,000
3.75%
▲ 1.62% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 1.62% above avgNationally 2.09%
Details
Balance: $25,000 to $99,999; Dividends compounded and paid quarterly
Rate History
No change since Oct 13, 2026 · 3.75% APY
St Francis X Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
3 Month CD & IRA CD
$0
3.60%
▲ 1.47% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.13%▲ 1.47% above avgNationally 2.09%
Details
Second Tier APY; Balance: $100,000+; Early withdrawals subject to penalties
Rate History
No change since Sep 12, 2026 · 3.60% APY · checked 5 times
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month IRA Certificate
$0
3.60%
▲ 1.47% above Michigan avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Michigan Average2.13%▲ 1.47% above avgNationally 2.09%
Details
Rate History
No change since Sep 29, 2026 · 3.60% APY
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month Share Certificates
$0
3.60%
▲ 1.47% above Michigan avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Michigan Average2.13%▲ 1.47% above avgNationally 2.09%
Details
Rate History
No change since Sep 29, 2026 · 3.60% APY
Highpoint Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
90 Day (3 Month) Certificate
$0
3.55%
▲ 1.42% above Michigan avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.13%▲ 1.42% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.55% APY
St Francis X Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
3 Month CD & IRA CD
$0
3.50%
▲ 1.37% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.13%▲ 1.37% above avgNationally 2.09%
Details
First Tier APY; Early withdrawals subject to penalties
Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
3-Month Certificate or IRA-HSA Jumbo
$0
3.40%
▲ 1.27% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.13%▲ 1.27% above avgNationally 2.09%
Details
Jumbo; Valid Thru 10/18/2026
Rate History
1 change since Sep 18, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15%
- Sep 25, 20263.40%▲ from 3.15%
- Sep 18, 20263.15%first recorded
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3 Month Term Share Certificates
$1,000
3.40%
▲ 1.27% above Michigan avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.13%▲ 1.27% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 5 times
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Jumbo Term Share Certificates - 3 Months
$0
3.40%
▲ 1.27% above Michigan avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.13%▲ 1.27% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
90 Day Certificate
$500
3.29%
▲ 1.16% above Michigan avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.13%▲ 1.16% above avgNationally 2.09%
Details
Interest Period Compounded & Credited: Quarterly
Rate History
No change since Sep 18, 2026 · 3.29% APY · checked 6 times
Saginaw 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
4685 STATE ST, SAGINAW, MI 48603
6 month - 4H or FFA CD
$0
5.05%
▲ 2.18% above Michigan avg
▼
Rate4.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 2.18% above avgNationally 2.77%
Details
Minimum: Amount of 4H or FFA - Youth Fair Participation Check; Max $5,000
Rate History
No change since Sep 14, 2026 · 5.05% APY · checked 8 times
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
4685 STATE ST, SAGINAW, MI 48603
6 month SmartStart Youth CD
$100
5.00%
▲ 2.13% above Michigan avg
▼
Rate4.88%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 2.13% above avgNationally 2.77%
Details
Available for members under the age of 21; Maximum $2,000; 1 per member; Members may open a 2nd CD if joint owner has an Elite Checking Account
Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 2 times
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
5420 Gratiot Rd, Saginaw, MI 48638 6056
Simple CDs - 6 Months
$0
4.25%
▲ 1.38% above Michigan avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.87%▲ 1.38% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Oct 6, 20264.25%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1011 N Michigan Ave, Saginaw, MI 48602 4326
6 Month Certificates of Deposit
$500
4.00%
▲ 1.13% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 1.13% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1011 N Michigan Ave, Saginaw, MI 48602 4326
Certificate of Deposit - 6 Months
$500
4.00%
▲ 1.13% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 1.13% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
4955 Bay Rd, Saginaw, MI 48604
6 Month Certificates of Deposit
$500
4.00%
▲ 1.13% above Michigan avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 1.13% above avgNationally 2.77%
Details
0.10% APY bonus earned if you also have a M1 Premier Checking Account; for members under 18 the required minimum balance on all CDs is $100.00; a penalty may be assessed for early withdrawals
Rate History
No change since Oct 13, 2026 · 4.00% APY
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
4955 Bay Rd, Saginaw, MI 48604
Certificate of Deposit - 6 Months
$500
4.00%
▲ 1.13% above Michigan avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 1.13% above avgNationally 2.77%
Details
Members under 18: minimum balance $100.00; 0.10% APY bonus if also holding M1 Premier Checking; early withdrawal penalty may apply
Rate History
No change since Oct 13, 2026 · 4.00% APY
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1700 Court St, Saginaw, MI 48602 4071
6 Month Certificates & IRA Certificates of Deposit
$0
3.75%
▲ 0.88% above Michigan avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.87%▲ 0.88% above avgNationally 2.77%
Details
Balance: $50,000 and above
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
5420 Gratiot Rd, Saginaw, MI 48638 6056
Youth CDs - 6 Months
$0
3.69%
▲ 0.82% above Michigan avg
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.87%▲ 0.82% above avgNationally 2.77%
Details
Rate History
No change since Oct 6, 2026 · 3.69% APY · checked 2 times
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6640 Bay Rd, Saginaw, MI 48604
6 Month Youth Certificate
$0
3.66%
▲ 0.79% above Michigan avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.87%▲ 0.79% above avgNationally 2.77%
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.
Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 7 times
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1700 Court St, Saginaw, MI 48602 4071
6 Month Certificates & IRA Certificates of Deposit
$0
3.65%
▲ 0.78% above Michigan avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.87%▲ 0.78% above avgNationally 2.77%
Details
Balance: $1,000 to $49,999
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5430 State St, Saginaw, MI 48603
6 Month IRA/HSA CD - VIP Bonus
$500
3.55%
▲ 0.68% above Michigan avg
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 0.68% above avgNationally 2.77%
Details
VIP Bonus Rate; includes 0.25% VIP Relationship Reward Bonus
Rate History
No change since Oct 13, 2026 · 3.55% APY
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
5420 Gratiot Rd, Saginaw, MI 48638 6056
6 Month Standard CDs
$0
3.54%
▲ 0.67% above Michigan avg
▼
Rate3.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.87%▲ 0.67% above avgNationally 2.77%
Details
Rate History
1 change since Sep 18, 2026 · 3.24% → 3.54% ▲ 0.30 pts · high 3.54% / low 3.24%
- Sep 22, 20263.54%▲ from 3.24%
- Sep 18, 20263.24%first recorded
Lake Huron Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
6 Month Certificate of Deposit
$0
3.53%
▲ 0.66% above Michigan avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 0.66% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.53% APY · checked 6 times
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
4550 STATE ST, SAGINAW, MI 48603
Share Certificates and IRA Share Certificates - 6 Month
$0
3.50%
▲ 0.63% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 0.63% above avgNationally 2.77%
Details
Balance to Earn APY: $500 & over
Rate History
No change since Sep 21, 2026 · 3.50% APY · checked 3 times
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
520 HAYDEN ST, SAGINAW, MI 48607
6 Month Certificate of Deposit
$0
3.50%
▲ 0.63% above Michigan avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 0.63% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
6180 State St, Saginaw, MI 48603
6 Month Share Certificate
$1,000
3.50%
▲ 0.63% above Michigan avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.87%▲ 0.63% above avgNationally 2.77%
Details
Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 2 times
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
6180 State St, Saginaw, MI 48603
Traditional and Roth IRA Share Certificates - 6 Month
$0
3.50%
▲ 0.63% above Michigan avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.87%▲ 0.63% above avgNationally 2.77%
Details
Compounded/Paid: Monthly / Monthly
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
6180 State St, Saginaw, MI 48603
Youth 6 Month Share Certificate
$100
3.50%
▲ 0.63% above Michigan avg
▼
Rate3.45%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.87%▲ 0.63% above avgNationally 2.77%
Details
Subsequent deposits are allowed. For minors 17 years of age or younger.
Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 4 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5430 State St, Saginaw, MI 48603
6 Month CD - VIP Bonus
$500
3.40%
▲ 0.53% above Michigan avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 0.53% above avgNationally 2.77%
Details
VIP Relationship Reward Bonus; VIP Bonus Rate 3.35%; VIP Bonus APY 3.40%
Rate History
No change since Oct 13, 2026 · 3.40% APY
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5430 State St, Saginaw, MI 48603
6 Month IRA/HSA CD
$500
3.30%
▲ 0.43% above Michigan avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 0.43% above avgNationally 2.77%
Details
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 6 times
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
4685 STATE ST, SAGINAW, MI 48603
Hometown Hero 6 month
$250
3.25%
▲ 0.38% above Michigan avg
▼
Rate3.20%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 0.38% above avgNationally 2.77%
Details
Hometown Hero CD for veterans, active military, and first responders including EMT, police and fire staff
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5430 State St, Saginaw, MI 48603
6 Month CD
$500
3.15%
▲ 0.28% above Michigan avg
▼
Rate3.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 0.28% above avgNationally 2.77%
Details
Dividend Rate (Interest) 3.11%; APY 3.15%
Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 6 times
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
4685 STATE ST, SAGINAW, MI 48603
6 Month Certificate
$500
3.00%
▲ 0.13% above Michigan avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 0.13% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
2796 Erna Dr, Saginaw, MI 48603
6 Month CD-Certificate of Deposit
$0
3.00%
▲ 0.13% above Michigan avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 0.13% above avgNationally 2.77%
Details
Balance: $250,000 and up
Rate History
No change since Sep 22, 2026 · 3.00% APY · checked 6 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
2796 Erna Dr, Saginaw, MI 48603
6 Month CD-Certificate of Deposit
$0
2.95%
▲ 0.08% above Michigan avg
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 0.08% above avgNationally 2.77%
Details
Balance: $150,000 - $249,000
Rate History
No change since Sep 22, 2026 · 2.95% APY · checked 6 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
2796 Erna Dr, Saginaw, MI 48603
6 Month CD-Certificate of Deposit
$0
2.90%
▲ 0.03% above Michigan avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▲ 0.03% above avgNationally 2.77%
Details
Balance: $100,000 - $149,000
Rate History
No change since Sep 22, 2026 · 2.90% APY · checked 6 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
2796 Erna Dr, Saginaw, MI 48603
6 Month CD-Certificate of Deposit
$0
2.85%
▼ 0.02% below Michigan avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▼ 0.02% below avgNationally 2.77%
Details
Balance: $500 - $99,999
Rate History
No change since Sep 22, 2026 · 2.85% APY · checked 6 times
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
6 Month Regular CD
$1,000
2.80%
▼ 0.07% below Michigan avg
▼
Rate2.76%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▼ 0.07% below avgNationally 2.77%
Details
Balance: $500,000.00 and over; Dividends compounded and credited monthly
Rate History
No change since Oct 13, 2026 · 2.80% APY
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
6 Month Traditional CD
$1,000
2.80%
▼ 0.07% below Michigan avg
▼
Rate2.76%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▼ 0.07% below avgNationally 2.77%
Details
Balance: $500,000.00 and over; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts
Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 4 times
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
6 Month Regular CD / Traditional IRA CD & Roth IRA CD
$1,000
2.75%
▼ 0.12% below Michigan avg
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▼ 0.12% below avgNationally 2.77%
Details
Balance: $250,000.00 - $499,999.99; Dividends compounded and credited monthly
Rate History
No change since Oct 13, 2026 · 2.75% APY
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
6 Month Traditional CD
$1,000
2.75%
▼ 0.12% below Michigan avg
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▼ 0.12% below avgNationally 2.77%
Details
Balance: $250,000.00 - $499,999.99; Also available as Traditional IRA CD and Roth IRA CD; CD, Traditional IRA CD & Roth IRA CD Accounts
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 4 times
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
6 Month Regular CD / Traditional IRA CD & Roth IRA CD
$1,000
2.70%
▼ 0.17% below Michigan avg
▼
Rate2.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▼ 0.17% below avgNationally 2.77%
Details
Balance: $100,000.00 - $249,999.99
Rate History
No change since Oct 13, 2026 · 2.70% APY
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
6 Month Traditional CD
$1,000
2.70%
▼ 0.17% below Michigan avg
▼
Rate2.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▼ 0.17% below avgNationally 2.77%
Details
Balance: $100,000.00 - $249,999.99; Also listed under Traditional IRA CD & Roth IRA CD Accounts; CD, Traditional IRA CD & Roth IRA CD Accounts
Rate History
No change since Sep 14, 2026 · 2.70% APY · checked 4 times
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
6 Month Regular CD
$1,000
2.65%
▼ 0.22% below Michigan avg
▼
Rate2.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▼ 0.22% below avgNationally 2.77%
Details
Balance: $30,000.00 - 99,999.99; applies to Regular CD / Traditional IRA CD & Roth IRA CD Accounts
Rate History
No change since Oct 13, 2026 · 2.65% APY
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
6 Month Traditional CD
$1,000
2.65%
▼ 0.22% below Michigan avg
▼
Rate2.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▼ 0.22% below avgNationally 2.77%
Details
Balance: $30,000.00 - 99,999.99; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts
Rate History
No change since Sep 14, 2026 · 2.65% APY · checked 4 times
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
6 Month Regular CD / Traditional IRA CD & Roth IRA CD Accounts
$1,000
2.60%
▼ 0.27% below Michigan avg
▼
Rate2.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▼ 0.27% below avgNationally 2.77%
Details
Balance: $1,000.00 - $29,999.99
Rate History
No change since Oct 13, 2026 · 2.60% APY
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
Traditional CD - 6-Month
$1,000
2.60%
▼ 0.27% below Michigan avg
▼
Rate2.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.87%▼ 0.27% below avgNationally 2.77%
Details
Balance: $1,000.00 - $29,999.99; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts
Rate History
1 change since Sep 14, 2026 · 2.75% → 2.60% ▼ 0.15 pts · high 2.75% / low 2.60%
- Oct 13, 20262.60%▼ from 2.75%
- Sep 14, 20262.75%first recorded
Independent Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1445 N Center, Saginaw, MI 48638
6-Month CD
$500
2.38%
▼ 0.49% below Michigan avg
▼
Rate2.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.87%▼ 0.49% below avgNationally 2.77%
Details
Rate History
2 changes since Sep 18, 2026 · 2.17% → 2.38% ▲ 0.21 pts · high 2.38% / low 2.17%
- Oct 2, 20262.38%▲ from 2.27%
- Sep 24, 20262.27%▲ from 2.17%
- Sep 18, 20262.17%first recorded
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
4686 Fashion Square Blvd, Saginaw, MI 48604
6 Month Certificate
$500
2.00%
▼ 0.87% below Michigan avg
▼
Rate1.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.87%▼ 0.87% below avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2322 Tittabawassee Rd, Saginaw, MI 48604
6 Month Certificate of Deposit
$0
0.03%
▼ 2.84% below Michigan avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.87%▼ 2.84% below avgNationally 2.77%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2322 Tittabawassee Rd, Saginaw, MI 48604
6 Month Certificate of Deposit
$0
0.02%
▼ 2.85% below Michigan avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.87%▼ 2.85% below avgNationally 2.77%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2322 Tittabawassee Rd, Saginaw, MI 48604
6 Month Certificate of Deposit
$0
0.01%
▼ 2.86% below Michigan avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.87%▼ 2.86% below avgNationally 2.77%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
Rising Rate Certificate of Deposit - Third 6-month Term
$0
4.75%
▲ 1.88% above Michigan avg
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.87%▲ 1.88% above avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 4.75% APY · checked 3 times
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
6 Month Youth Certificates
$0
4.75%
▲ 1.88% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.87%▲ 1.88% above avgNationally 2.77%
Details
Term: 6 months - FEATURED RATE
Rate History
No change since Sep 30, 2026 · 4.75% APY · checked 4 times
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Share Certificates - 1 6 months - FEATURED RATE
$0
4.75%
▲ 1.88% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.87%▲ 1.88% above avgNationally 2.77%
Details
Rate History
No change since Oct 6, 2026 · 4.75% APY · checked 2 times
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
Rising Rate Certificate of Deposit - Second 6-month Term
$0
4.50%
▲ 1.63% above Michigan avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.87%▲ 1.63% above avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 4.50% APY · checked 3 times
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
Rising Rate Certificate of Deposit - First 6-month Term
$0
4.25%
▲ 1.38% above Michigan avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.87%▲ 1.38% above avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 3 times
Kalsee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
6 Month Certificate Special
$500
4.25%
▲ 1.38% above Michigan avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.87%▲ 1.38% above avgNationally 2.77%
Details
Platinum & VIP Members
Rate History
No change since Sep 29, 2026 · 4.25% APY · checked 2 times
Kalsee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
6-month CD
$0
4.25%
▲ 1.38% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.87%▲ 1.38% above avgNationally 2.77%
Details
Loss of 30 days interest for early redemption. Funds currently on deposit at Kalsee Credit Union not eligible. Platinum or VIP Perks +0.25% = 4.25% APY.
Rate History
1 change since Sep 14, 2026 · 2.50% → 4.25% ▲ 1.75 pts · high 4.25% / low 2.50%
- Oct 9, 20264.25%▲ from 2.50%
- Sep 14, 20262.50%first recorded
Saginaw 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
5420 Gratiot Rd, Saginaw, MI 48638 6056
Simple CDs - 12 Months
$0
4.30%
▲ 1.18% above Michigan avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.12%▲ 1.18% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
- Oct 6, 20264.30%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Lake Huron Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
12 Month Certificate of Deposit
$0
4.19%
▲ 1.07% above Michigan avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 1.07% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.77% → 4.19% ▲ 0.42 pts · high 4.19% / low 3.77%
- Sep 18, 20264.19%▲ from 3.77%
- Sep 14, 20263.77%first recorded
Lake Huron Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
12 Month Youth Certificate of Deposit
$0
4.06%
▲ 0.94% above Michigan avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.94% above avgNationally 2.99%
Details
Youth certificate
Rate History
No change since Sep 18, 2026 · 4.06% APY · checked 3 times
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
4686 Fashion Square Blvd, Saginaw, MI 48604
12 Month Youth CD
$0
3.95%
▲ 0.83% above Michigan avg
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.12%▲ 0.83% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 3.95% ▲ 0.10 pts · high 3.95% / low 3.85%
- Oct 10, 20263.95%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
4686 Fashion Square Blvd, Saginaw, MI 48604
12 Month Youth Certificate
$0
3.95%
▲ 0.83% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.12%▲ 0.83% above avgNationally 2.99%
Details
Available for ages 24 and under.
Rate History
1 change since Sep 18, 2026 · 3.85% → 3.95% ▲ 0.10 pts · high 3.95% / low 3.85%
- Oct 10, 20263.95%▲ from 3.85%
- Sep 18, 20263.85%first recorded
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
4955 Bay Rd, Saginaw, MI 48604
12 Month Certificates of Deposit
$500
3.75%
▲ 0.63% above Michigan avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.63% above avgNationally 2.99%
Details
0.10% APY bonus earned if you also have a M1 Premier Checking Account; for members under 18 the required minimum balance on all CDs is $100.00; a penalty may be assessed for early withdrawals
Rate History
No change since Oct 13, 2026 · 3.75% APY
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
4955 Bay Rd, Saginaw, MI 48604
Certificate of Deposit - 12 Months
$500
3.75%
▲ 0.63% above Michigan avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.63% above avgNationally 2.99%
Details
Members under 18: minimum balance $100.00; 0.10% APY bonus if also holding M1 Premier Checking; early withdrawal penalty may apply
Rate History
No change since Oct 13, 2026 · 3.75% APY
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
5420 Gratiot Rd, Saginaw, MI 48638 6056
Youth CDs - 12 Months
$0
3.73%
▲ 0.61% above Michigan avg
▼
Rate3.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.12%▲ 0.61% above avgNationally 2.99%
Details
Rate History
No change since Oct 6, 2026 · 3.73% APY · checked 2 times
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6640 Bay Rd, Saginaw, MI 48604
12 Month Youth Certificate
$0
3.71%
▲ 0.59% above Michigan avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.12%▲ 0.59% above avgNationally 2.99%
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.
Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 7 times
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1700 Court St, Saginaw, MI 48602 4071
12 Month Certificates & IRA Certificates of Deposit
$0
3.70%
▲ 0.58% above Michigan avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.12%▲ 0.58% above avgNationally 2.99%
Details
Balance: $50,000 and above
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 5 times
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
4550 STATE ST, SAGINAW, MI 48603
12 Month Smart Savers
$0
3.60%
▲ 0.48% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.48% above avgNationally 2.99%
Details
Balance: $25 & over; Share Certificate Specials
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55%
- Oct 5, 20263.60%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
4550 STATE ST, SAGINAW, MI 48603
Share Certificates and IRA Share Certificates - 12 Month
$0
3.60%
▲ 0.48% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.48% above avgNationally 2.99%
Details
Balance to Earn APY: $500 & over
Rate History
1 change since Sep 21, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55%
- Oct 13, 20263.60%▲ from 3.55%
- Sep 21, 20263.55%first recorded
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
520 HAYDEN ST, SAGINAW, MI 48607
12 Month Certificate of Deposit
$0
3.60%
▲ 0.48% above Michigan avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.48% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 4 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5430 State St, Saginaw, MI 48603
12 Month IRA/HSA CD - VIP Bonus
$500
3.60%
▲ 0.48% above Michigan avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.48% above avgNationally 2.99%
Details
VIP Bonus Rate; includes 0.25% VIP Relationship Reward Bonus
Rate History
No change since Oct 13, 2026 · 3.60% APY
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1700 Court St, Saginaw, MI 48602 4071
12 Month Certificates & IRA Certificates of Deposit
$0
3.60%
▲ 0.48% above Michigan avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.12%▲ 0.48% above avgNationally 2.99%
Details
Balance: $1,000 to $49,999
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
5420 Gratiot Rd, Saginaw, MI 48638 6056
12 Month HSA CD
$0
3.58%
▲ 0.46% above Michigan avg
▼
Rate3.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.12%▲ 0.46% above avgNationally 2.99%
Details
Rate History
1 change since Sep 18, 2026 · 3.33% → 3.58% ▲ 0.25 pts · high 3.58% / low 3.33%
- Sep 22, 20263.58%▲ from 3.33%
- Sep 18, 20263.33%first recorded
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
5420 Gratiot Rd, Saginaw, MI 48638 6056
12 Month Standard CDs
$0
3.58%
▲ 0.46% above Michigan avg
▼
Rate3.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.12%▲ 0.46% above avgNationally 2.99%
Details
Rate History
1 change since Sep 18, 2026 · 3.33% → 3.58% ▲ 0.25 pts · high 3.58% / low 3.33%
- Sep 22, 20263.58%▲ from 3.33%
- Sep 18, 20263.33%first recorded
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
2882 Schust Rd, Saginaw, MI 48603
1 Year Share Certificate of Deposit
$0
3.55%
▲ 0.43% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.12%▲ 0.43% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 3 times
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
2882 Schust Rd, Saginaw, MI 48603
IRA Share Certificate of Deposit - 1 year
$0
3.55%
▲ 0.43% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.12%▲ 0.43% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1011 N Michigan Ave, Saginaw, MI 48602 4326
12 Month Certificates of Deposit
$1,000
3.50%
▲ 0.38% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.38% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1011 N Michigan Ave, Saginaw, MI 48602 4326
12 Month Save to Win CD
$25
3.50%
▲ 0.38% above Michigan avg
▼
RateN/A
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.38% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1011 N Michigan Ave, Saginaw, MI 48602 4326
12 Month Traditional/Roth IRA CDs
$1,000
3.50%
▲ 0.38% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.38% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1011 N Michigan Ave, Saginaw, MI 48602 4326
12 Month Youth Save to Win CD
$10
3.50%
▲ 0.38% above Michigan avg
▼
RateN/A
Min Deposit$10
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.38% above avgNationally 2.99%
Details
Max. Age 18 yrs.
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1011 N Michigan Ave, Saginaw, MI 48602 4326
Certificate of Deposit - 12 Months
$1,000
3.50%
▲ 0.38% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.38% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1011 N Michigan Ave, Saginaw, MI 48602 4326
Save to Win CD - 12 Months
$25
3.50%
▲ 0.38% above Michigan avg
▼
RateN/A
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.38% above avgNationally 2.99%
Details
Save to Win CD
Rate History
No change since Oct 9, 2026 · 3.50% APY · checked 2 times
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1011 N Michigan Ave, Saginaw, MI 48602 4326
Traditional/Roth IRA CDs - 12 Months
$1,000
3.50%
▲ 0.38% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.38% above avgNationally 2.99%
Details
IRA certificate; Minimum Deposit $1,000
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1011 N Michigan Ave, Saginaw, MI 48602 4326
Youth Save to Win CD - 12 Months
$10
3.50%
▲ 0.38% above Michigan avg
▼
RateN/A
Min Deposit$10
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.38% above avgNationally 2.99%
Details
Youth Save to Win CD; Max. Age 18 yrs.
Rate History
No change since Oct 9, 2026 · 3.50% APY · checked 2 times
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
6180 State St, Saginaw, MI 48603
12 Month Share Certificate
$1,000
3.50%
▲ 0.38% above Michigan avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.12%▲ 0.38% above avgNationally 2.99%
Details
Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 2 times
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
6180 State St, Saginaw, MI 48603
Traditional and Roth IRA Share Certificates - 12 Month
$0
3.50%
▲ 0.38% above Michigan avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.12%▲ 0.38% above avgNationally 2.99%
Details
Compounded/Paid: Quarterly/Quarterly
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
6180 State St, Saginaw, MI 48603
Youth 12 Month Share Certificate
$100
3.50%
▲ 0.38% above Michigan avg
▼
Rate3.45%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.12%▲ 0.38% above avgNationally 2.99%
Details
Subsequent deposits are allowed. For minors 17 years of age or younger.
Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 4 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5430 State St, Saginaw, MI 48603
12 Month CD - VIP Bonus
$500
3.45%
▲ 0.33% above Michigan avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.33% above avgNationally 2.99%
Details
VIP Relationship Reward Bonus; VIP Bonus Rate 3.40%; VIP Bonus APY 3.45%
Rate History
No change since Oct 13, 2026 · 3.45% APY
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
4686 Fashion Square Blvd, Saginaw, MI 48604
12 Month Certificate
$500
3.45%
▲ 0.33% above Michigan avg
▼
Rate3.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.12%▲ 0.33% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35%
- Oct 10, 20263.45%▲ from 3.35%
- Sep 14, 20263.35%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5430 State St, Saginaw, MI 48603
12 Month IRA/HSA CD
$500
3.35%
▲ 0.23% above Michigan avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.23% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 6 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
2796 Erna Dr, Saginaw, MI 48603
12 Month CD-Certificate of Deposit
$0
3.25%
▲ 0.13% above Michigan avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.13% above avgNationally 2.99%
Details
Balance: $250,000 and up
Rate History
No change since Sep 22, 2026 · 3.25% APY · checked 6 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
2796 Erna Dr, Saginaw, MI 48603
12 Month CD-Certificate of Deposit
$0
3.20%
▲ 0.08% above Michigan avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.08% above avgNationally 2.99%
Details
Balance: $150,000 - $249,000
Rate History
No change since Sep 22, 2026 · 3.20% APY · checked 6 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5430 State St, Saginaw, MI 48603
12 Month CD
$500
3.20%
▲ 0.08% above Michigan avg
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.08% above avgNationally 2.99%
Details
Dividend Rate (Interest) 3.15%; APY 3.20%
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 6 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
2796 Erna Dr, Saginaw, MI 48603
12 Month CD-Certificate of Deposit
$0
3.15%
▲ 0.03% above Michigan avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▲ 0.03% above avgNationally 2.99%
Details
Balance: $100,000 - $149,000
Rate History
No change since Sep 22, 2026 · 3.15% APY · checked 6 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
2796 Erna Dr, Saginaw, MI 48603
12 Month CD-Certificate of Deposit
$0
3.10%
▼ 0.02% below Michigan avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▼ 0.02% below avgNationally 2.99%
Details
Balance: $500 - $99,999
Rate History
No change since Sep 22, 2026 · 3.10% APY · checked 6 times
Isabella Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
4975 Bay Rd, Saginaw, MI 48604
1 Year CDs
$0
3.00%
▼ 0.12% below Michigan avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.12%▼ 0.12% below avgNationally 2.99%
Details
Over $10; Penalty for early withdrawal.
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 5 times
Isabella Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
4975 Bay Rd, Saginaw, MI 48604
12 Month IRA CD
$0
3.00%
▼ 0.12% below Michigan avg
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.12%▼ 0.12% below avgNationally 2.99%
Details
Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
2796 Erna Dr, Saginaw, MI 48603
12 Month Save To Win CD
$25
3.00%
▼ 0.12% below Michigan avg
▼
Rate2.97%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▼ 0.12% below avgNationally 2.99%
Details
12 Month CD; Can Add Funds At Anytime; Cannot withdraw until 12 months after date of opening
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
4685 STATE ST, SAGINAW, MI 48603
12 Month Certificate
$500
2.85%
▼ 0.27% below Michigan avg
▼
Rate2.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▼ 0.27% below avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 8 times
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
12 Month Regular CD
$1,000
2.85%
▼ 0.27% below Michigan avg
▼
Rate2.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▼ 0.27% below avgNationally 2.99%
Details
Balance: $500,000.00 and over; Dividends compounded and credited monthly
Rate History
No change since Oct 13, 2026 · 2.85% APY
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
12 Month Traditional CD
$1,000
2.85%
▼ 0.27% below Michigan avg
▼
Rate2.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▼ 0.27% below avgNationally 2.99%
Details
Balance: $500,000.00 and over; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts
Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 4 times
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
12 Month Regular CD / Traditional IRA CD & Roth IRA CD
$1,000
2.80%
▼ 0.32% below Michigan avg
▼
Rate2.76%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▼ 0.32% below avgNationally 2.99%
Details
Balance: $250,000.00 - $499,999.99; Dividends compounded and credited monthly
Rate History
No change since Oct 13, 2026 · 2.80% APY
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
12 Month Traditional CD
$1,000
2.80%
▼ 0.32% below Michigan avg
▼
Rate2.76%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▼ 0.32% below avgNationally 2.99%
Details
Balance: $250,000.00 - $499,999.99; Also available as Traditional IRA CD and Roth IRA CD; CD, Traditional IRA CD & Roth IRA CD Accounts
Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 4 times
Isabella Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
4975 Bay Rd, Saginaw, MI 48604
12 Month IRA Certificate
$0
2.75%
▼ 0.37% below Michigan avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.12%▼ 0.37% below avgNationally 2.99%
Details
Penalty for early withdrawal.
Rate History
No change since Oct 7, 2026 · 2.75% APY · checked 2 times
Isabella Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
4975 Bay Rd, Saginaw, MI 48604
CDs - 1 Year
$0
2.75%
▼ 0.37% below Michigan avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.12%▼ 0.37% below avgNationally 2.99%
Details
Under $10; Penalty for early withdrawal.
Rate History
No change since Oct 7, 2026 · 2.75% APY · checked 2 times
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
12 Month Regular CD / Traditional IRA CD & Roth IRA CD
$1,000
2.75%
▼ 0.37% below Michigan avg
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▼ 0.37% below avgNationally 2.99%
Details
Balance: $100,000.00 - $249,999.99
Rate History
No change since Oct 13, 2026 · 2.75% APY
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
12 Month Traditional CD
$1,000
2.75%
▼ 0.37% below Michigan avg
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.12%▼ 0.37% below avgNationally 2.99%
Details
Balance: $100,000.00 - $249,999.99; Also listed under Traditional IRA CD & Roth IRA CD Accounts; CD, Traditional IRA CD & Roth IRA CD Accounts
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 4 times
Saginaw 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
5420 Gratiot Rd, Saginaw, MI 48638 6056
Simple CDs - 18 Months
$0
4.25%
▲ 1.15% above Michigan avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.10%▲ 1.15% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
- Oct 6, 20264.25%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1700 Court St, Saginaw, MI 48602 4071
18 Month Certificates & IRA Certificates of Deposit
$0
3.70%
▲ 0.60% above Michigan avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.10%▲ 0.60% above avgNationally 2.88%
Details
Balance: $50,000 and above
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.70% ▲ 0.10 pts · high 3.70% / low 3.60%
- Oct 9, 20263.70%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Lake Huron Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
18 Month Certificate of Deposit
$0
3.67%
▲ 0.57% above Michigan avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 0.57% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.67% APY · checked 6 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5430 State St, Saginaw, MI 48603
18 Month IRA/HSA CD - VIP Bonus
$500
3.65%
▲ 0.55% above Michigan avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 0.55% above avgNationally 2.88%
Details
VIP Bonus Rate; includes 0.25% VIP Relationship Reward Bonus
Rate History
No change since Oct 13, 2026 · 3.65% APY
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
2882 Schust Rd, Saginaw, MI 48603
1.5 Year Share Certificate of Deposit
$0
3.60%
▲ 0.50% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.10%▲ 0.50% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 3 times
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
2882 Schust Rd, Saginaw, MI 48603
IRA Share Certificate of Deposit - 1.5 year
$0
3.60%
▲ 0.50% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.10%▲ 0.50% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 2 times
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1700 Court St, Saginaw, MI 48602 4071
18 Month Certificates & IRA Certificates of Deposit
$0
3.60%
▲ 0.50% above Michigan avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.10%▲ 0.50% above avgNationally 2.88%
Details
Balance: $1,000 to $49,999
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.60% ▲ 0.10 pts · high 3.60% / low 3.50%
- Oct 9, 20263.60%▲ from 3.50%
- Sep 14, 20263.50%first recorded
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
5420 Gratiot Rd, Saginaw, MI 48638 6056
18 Month Standard CDs
$0
3.54%
▲ 0.44% above Michigan avg
▼
Rate3.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.10%▲ 0.44% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.28% → 3.54% ▲ 0.26 pts · high 3.54% / low 3.28%
- Sep 22, 20263.54%▲ from 3.28%
- Sep 18, 20263.28%first recorded
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
520 HAYDEN ST, SAGINAW, MI 48607
18 Month Certificate of Deposit
$0
3.50%
▲ 0.40% above Michigan avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 0.40% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5430 State St, Saginaw, MI 48603
18 Month CD - VIP Bonus
$500
3.50%
▲ 0.40% above Michigan avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 0.40% above avgNationally 2.88%
Details
VIP Relationship Reward Bonus; VIP Bonus Rate 3.45%; VIP Bonus APY 3.50%
Rate History
No change since Oct 13, 2026 · 3.50% APY
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
6180 State St, Saginaw, MI 48603
18 Month Share Certificate
$1,000
3.50%
▲ 0.40% above Michigan avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.10%▲ 0.40% above avgNationally 2.88%
Details
Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 2 times
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
6180 State St, Saginaw, MI 48603
Traditional and Roth IRA Share Certificates - 18 Month
$0
3.50%
▲ 0.40% above Michigan avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.10%▲ 0.40% above avgNationally 2.88%
Details
Compounded/Paid: Quarterly/Quarterly
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
4686 Fashion Square Blvd, Saginaw, MI 48604
18 Month Certificate
$500
3.45%
▲ 0.35% above Michigan avg
▼
Rate3.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.10%▲ 0.35% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35%
- Oct 10, 20263.45%▲ from 3.35%
- Sep 14, 20263.35%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5430 State St, Saginaw, MI 48603
18 Month IRA/HSA CD
$500
3.40%
▲ 0.30% above Michigan avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 0.30% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 6 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
2796 Erna Dr, Saginaw, MI 48603
18 Month CD-Certificate of Deposit
$0
3.31%
▲ 0.21% above Michigan avg
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 0.21% above avgNationally 2.88%
Details
Balance: $250,000 and up
Rate History
No change since Sep 22, 2026 · 3.31% APY · checked 6 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
2796 Erna Dr, Saginaw, MI 48603
18 Month CD-Certificate of Deposit
$0
3.25%
▲ 0.15% above Michigan avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 0.15% above avgNationally 2.88%
Details
Balance: $150,000 - $249,000
Rate History
No change since Sep 22, 2026 · 3.25% APY · checked 6 times
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1011 N Michigan Ave, Saginaw, MI 48602 4326
18 Month Certificates of Deposit
$1,000
3.25%
▲ 0.15% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 0.15% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1011 N Michigan Ave, Saginaw, MI 48602 4326
Certificate of Deposit - 18 Months
$1,000
3.25%
▲ 0.15% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 0.15% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5430 State St, Saginaw, MI 48603
18 Month CD
$500
3.25%
▲ 0.15% above Michigan avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 0.15% above avgNationally 2.88%
Details
Dividend Rate (Interest) 3.20%; APY 3.25%
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
4685 STATE ST, SAGINAW, MI 48603
Hometown Hero 18 month
$250
3.20%
▲ 0.10% above Michigan avg
▼
Rate3.15%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 0.10% above avgNationally 2.88%
Details
Hometown Hero CD for veterans, active military, and first responders including EMT, police and fire staff
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 8 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
2796 Erna Dr, Saginaw, MI 48603
18 Month CD-Certificate of Deposit
$0
3.20%
▲ 0.10% above Michigan avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 0.10% above avgNationally 2.88%
Details
Balance: $100,000 - $149,000
Rate History
No change since Sep 22, 2026 · 3.20% APY · checked 6 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
2796 Erna Dr, Saginaw, MI 48603
18 Month CD-Certificate of Deposit
$0
3.14%
▲ 0.04% above Michigan avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 0.04% above avgNationally 2.88%
Details
Balance: $500 - $99,999
Rate History
No change since Sep 22, 2026 · 3.14% APY · checked 6 times
Isabella Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
4975 Bay Rd, Saginaw, MI 48604
18 Month IRA CD
$0
3.00%
▼ 0.10% below Michigan avg
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.10%▼ 0.10% below avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
4685 STATE ST, SAGINAW, MI 48603
18 Month Certificate
$500
2.95%
▼ 0.15% below Michigan avg
▼
Rate2.91%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▼ 0.15% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 8 times
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
18 Month Regular CD
$1,000
2.90%
▼ 0.20% below Michigan avg
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▼ 0.20% below avgNationally 2.88%
Details
Balance: $500,000.00 and over; Dividends compounded and credited monthly
Rate History
No change since Oct 13, 2026 · 2.90% APY
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
18 Month Traditional CD
$1,000
2.90%
▼ 0.20% below Michigan avg
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▼ 0.20% below avgNationally 2.88%
Details
Balance: $500,000.00 and over; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts
Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 4 times
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
18 Month Regular CD / Traditional IRA CD & Roth IRA CD
$1,000
2.85%
▼ 0.25% below Michigan avg
▼
Rate2.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▼ 0.25% below avgNationally 2.88%
Details
Balance: $250,000.00 - $499,999.99; Dividends compounded and credited monthly
Rate History
No change since Oct 13, 2026 · 2.85% APY
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
18 Month Traditional CD
$1,000
2.85%
▼ 0.25% below Michigan avg
▼
Rate2.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▼ 0.25% below avgNationally 2.88%
Details
Balance: $250,000.00 - $499,999.99; Also available as Traditional IRA CD and Roth IRA CD; CD, Traditional IRA CD & Roth IRA CD Accounts
Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 4 times
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
18 Month Regular CD / Traditional IRA CD & Roth IRA CD
$1,000
2.80%
▼ 0.30% below Michigan avg
▼
Rate2.76%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▼ 0.30% below avgNationally 2.88%
Details
Balance: $100,000.00 - $249,999.99
Rate History
No change since Oct 13, 2026 · 2.80% APY
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
18 Month Traditional CD
$1,000
2.80%
▼ 0.30% below Michigan avg
▼
Rate2.76%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▼ 0.30% below avgNationally 2.88%
Details
Balance: $100,000.00 - $249,999.99; Also listed under Traditional IRA CD & Roth IRA CD Accounts; CD, Traditional IRA CD & Roth IRA CD Accounts
Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 4 times
Isabella Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
4975 Bay Rd, Saginaw, MI 48604
18 Month IRA Certificate
$0
2.75%
▼ 0.35% below Michigan avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.10%▼ 0.35% below avgNationally 2.88%
Details
Penalty for early withdrawal.
Rate History
No change since Oct 7, 2026 · 2.75% APY · checked 2 times
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
18 Month Regular CD
$1,000
2.75%
▼ 0.35% below Michigan avg
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▼ 0.35% below avgNationally 2.88%
Details
Balance: $30,000.00 - 99,999.99; applies to Regular CD / Traditional IRA CD & Roth IRA CD Accounts
Rate History
No change since Oct 13, 2026 · 2.75% APY
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
18 Month Traditional CD
$1,000
2.75%
▼ 0.35% below Michigan avg
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▼ 0.35% below avgNationally 2.88%
Details
Balance: $30,000.00 - 99,999.99; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 4 times
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
18 Month Regular CD / Traditional IRA CD & Roth IRA CD Accounts
$1,000
2.70%
▼ 0.40% below Michigan avg
▼
Rate2.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▼ 0.40% below avgNationally 2.88%
Details
Balance: $1,000.00 - $29,999.99
Rate History
No change since Oct 13, 2026 · 2.70% APY
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
Traditional CD - 18-Month
$1,000
2.70%
▼ 0.40% below Michigan avg
▼
Rate2.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▼ 0.40% below avgNationally 2.88%
Details
Balance: $1,000.00 - $29,999.99; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts
Rate History
1 change since Sep 14, 2026 · 2.85% → 2.70% ▼ 0.15 pts · high 2.85% / low 2.70%
- Oct 13, 20262.70%▼ from 2.85%
- Sep 14, 20262.85%first recorded
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2322 Tittabawassee Rd, Saginaw, MI 48604
18 Month Certificate of Deposit
$0
0.03%
▼ 3.07% below Michigan avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.10%▼ 3.07% below avgNationally 2.88%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2322 Tittabawassee Rd, Saginaw, MI 48604
18 Month Certificate of Deposit
$0
0.02%
▼ 3.08% below Michigan avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.10%▼ 3.08% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2322 Tittabawassee Rd, Saginaw, MI 48604
18 Month Certificate of Deposit
$0
0.01%
▼ 3.09% below Michigan avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.10%▼ 3.09% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
18-Month Special - Military
$500
5.25%
▲ 2.15% above Michigan avg
▼
Rate5.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.10%▲ 2.15% above avgNationally 2.88%
Details
Qualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.
Rate History
No change since Oct 9, 2026 · 5.25% APY · checked 3 times
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
18 Month Certificate
$500
4.50%
▲ 1.40% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 1.40% above avgNationally 2.88%
Details
Dividends compounded and credited monthly; Rates effective as of October 13, 2026
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10%
- Sep 29, 20264.50%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Certificates of Deposit - 18 Month
$0
4.50%
▲ 1.40% above Michigan avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 1.40% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10%
- Sep 29, 20264.50%▲ from 4.10%
- Sep 14, 20264.10%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
18 Month Certificate of Deposit
$0
4.30%
▲ 1.20% above Michigan avg
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.10%▲ 1.20% above avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 5 times
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Time Certificate of Deposit - 18 Month
$0
4.30%
▲ 1.20% above Michigan avg
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.10%▲ 1.20% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
18 Month Certificate
$500
4.29%
▲ 1.19% above Michigan avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.10%▲ 1.19% above avgNationally 2.88%
Details
Rate History
No change since Sep 25, 2026 · 4.29% APY · checked 3 times
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
18 Month Share Certificate
$500
4.29%
▲ 1.19% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.10%▲ 1.19% above avgNationally 2.88%
Details
Only new funds eligible for promotional rate. Qualifications apply.
Rate History
No change since Oct 4, 2026 · 4.29% APY · checked 2 times
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 18 Month
$0
4.25%
▲ 1.15% above Michigan avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.10%▲ 1.15% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
- Sep 24, 20264.25%▲ from 4.10%
- Sep 14, 20264.10%first recorded
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
18-Month Special Certificate of Deposit
$500
4.25%
▲ 1.15% above Michigan avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.10%▲ 1.15% above avgNationally 2.88%
Details
18-Month Special: At maturity, the CD will be renewed into a 24-month CD.
Rate History
No change since Oct 9, 2026 · 4.25% APY · checked 3 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
18-MONTH CD
$500
4.25%
▲ 1.15% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.10%▲ 1.15% above avgNationally 2.88%
Details
Rate History
No change since Oct 10, 2026 · 4.25% APY
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
18-month CD
$1,000
4.15%
▲ 1.05% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.10%▲ 1.05% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Sep 24, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
18 Month Certificate or IRA-HSA Jumbo
$0
4.15%
▲ 1.05% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.10%▲ 1.05% above avgNationally 2.88%
Details
Jumbo; Valid Thru 10/18/2026
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85%
- Sep 25, 20264.15%▲ from 3.85%
- Sep 18, 20263.85%first recorded
Saginaw 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Lake Huron Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
24 Month Certificate of Deposit
$0
4.50%
▲ 1.53% above Michigan avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 1.53% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.50% ▲ 0.94 pts · high 4.50% / low 3.56%
- Sep 29, 20264.50%▲ from 3.56%
- Sep 14, 20263.56%first recorded
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
5420 Gratiot Rd, Saginaw, MI 48638 6056
Simple CDs - 24 Months
$0
4.40%
▲ 1.43% above Michigan avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.97%▲ 1.43% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00%
- Oct 6, 20264.40%▲ from 4.00%
- Sep 14, 20264.00%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5430 State St, Saginaw, MI 48603
24 Month IRA/HSA CD - VIP Bonus
$500
3.65%
▲ 0.68% above Michigan avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.68% above avgNationally 2.88%
Details
VIP Bonus Rate; includes 0.25% VIP Relationship Reward Bonus
Rate History
No change since Oct 13, 2026 · 3.65% APY
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
5420 Gratiot Rd, Saginaw, MI 48638 6056
24 Month HSA CD
$0
3.65%
▲ 0.68% above Michigan avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.97%▲ 0.68% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.33% → 3.65% ▲ 0.32 pts · high 3.65% / low 3.33%
- Sep 22, 20263.65%▲ from 3.33%
- Sep 18, 20263.33%first recorded
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
5420 Gratiot Rd, Saginaw, MI 48638 6056
24 Month Standard CDs
$0
3.65%
▲ 0.68% above Michigan avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.97%▲ 0.68% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.33% → 3.65% ▲ 0.32 pts · high 3.65% / low 3.33%
- Sep 22, 20263.65%▲ from 3.33%
- Sep 18, 20263.33%first recorded
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1700 Court St, Saginaw, MI 48602 4071
24 Month Certificates & IRA Certificates of Deposit
$0
3.65%
▲ 0.68% above Michigan avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.97%▲ 0.68% above avgNationally 2.88%
Details
Balance: $50,000 and above
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.65% ▲ 0.10 pts · high 3.65% / low 3.55%
- Oct 9, 20263.65%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
4550 STATE ST, SAGINAW, MI 48603
24 Month Smart Savers
$0
3.60%
▲ 0.63% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.63% above avgNationally 2.88%
Details
Balance: $25 & over; Share Certificate Specials
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.60% ▲ 0.30 pts · high 3.60% / low 3.30%
- Oct 5, 20263.60%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
4550 STATE ST, SAGINAW, MI 48603
Share Certificates and IRA Share Certificates - 24 Month
$0
3.60%
▲ 0.63% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.63% above avgNationally 2.88%
Details
Balance to Earn APY: $500 & over
Rate History
1 change since Sep 21, 2026 · 3.30% → 3.60% ▲ 0.30 pts · high 3.60% / low 3.30%
- Oct 13, 20263.60%▲ from 3.30%
- Sep 21, 20263.30%first recorded
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
4955 Bay Rd, Saginaw, MI 48604
24 Month Certificates of Deposit
$500
3.60%
▲ 0.63% above Michigan avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.63% above avgNationally 2.88%
Details
0.10% APY bonus earned if you also have a M1 Premier Checking Account; for members under 18 the required minimum balance on all CDs is $100.00; a penalty may be assessed for early withdrawals
Rate History
No change since Oct 13, 2026 · 3.60% APY
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
4955 Bay Rd, Saginaw, MI 48604
Certificate of Deposit - 24 Months
$500
3.60%
▲ 0.63% above Michigan avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.63% above avgNationally 2.88%
Details
Members under 18: minimum balance $100.00; 0.10% APY bonus if also holding M1 Premier Checking; early withdrawal penalty may apply
Rate History
No change since Oct 13, 2026 · 3.60% APY
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1700 Court St, Saginaw, MI 48602 4071
24 Month Certificates & IRA Certificates of Deposit
$0
3.55%
▲ 0.58% above Michigan avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.97%▲ 0.58% above avgNationally 2.88%
Details
Balance: $1,000 to $49,999
Rate History
1 change since Sep 14, 2026 · 3.44% → 3.55% ▲ 0.10 pts · high 3.55% / low 3.44%
- Oct 9, 20263.55%▲ from 3.44%
- Sep 14, 20263.44%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5430 State St, Saginaw, MI 48603
24 Month CD - VIP Bonus
$500
3.50%
▲ 0.53% above Michigan avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.53% above avgNationally 2.88%
Details
VIP Relationship Reward Bonus; VIP Bonus Rate 3.45%; VIP Bonus APY 3.50%
Rate History
No change since Oct 13, 2026 · 3.50% APY
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
6180 State St, Saginaw, MI 48603
24 Month Share Certificate
$1,000
3.50%
▲ 0.53% above Michigan avg
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.97%▲ 0.53% above avgNationally 2.88%
Details
Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 2 times
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
6180 State St, Saginaw, MI 48603
Traditional and Roth IRA Share Certificates - 24 Month
$0
3.50%
▲ 0.53% above Michigan avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.97%▲ 0.53% above avgNationally 2.88%
Details
Compounded/Paid: Quarterly/Quarterly
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
2882 Schust Rd, Saginaw, MI 48603
2 Year Share Certificate of Deposit
$0
3.45%
▲ 0.48% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.97%▲ 0.48% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 3 times
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
2882 Schust Rd, Saginaw, MI 48603
IRA Share Certificate of Deposit - 2 year
$0
3.45%
▲ 0.48% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.97%▲ 0.48% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 6 times
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
520 HAYDEN ST, SAGINAW, MI 48607
24 Month Certificate of Deposit
$0
3.45%
▲ 0.48% above Michigan avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.48% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 4 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5430 State St, Saginaw, MI 48603
24 Month IRA/HSA CD
$500
3.40%
▲ 0.43% above Michigan avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.43% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 6 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
2796 Erna Dr, Saginaw, MI 48603
24 Month CD-Certificate of Deposit
$0
3.35%
▲ 0.38% above Michigan avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.38% above avgNationally 2.88%
Details
Balance: $250,000 and up
Rate History
No change since Sep 22, 2026 · 3.35% APY · checked 6 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
2796 Erna Dr, Saginaw, MI 48603
24 Month CD-Certificate of Deposit
$0
3.31%
▲ 0.34% above Michigan avg
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.34% above avgNationally 2.88%
Details
Balance: $150,000 - $249,000
Rate History
No change since Sep 22, 2026 · 3.31% APY · checked 6 times
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
4686 Fashion Square Blvd, Saginaw, MI 48604
24 Month Certificate
$500
3.30%
▲ 0.33% above Michigan avg
▼
Rate3.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.97%▲ 0.33% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.20% → 3.30% ▲ 0.10 pts · high 3.30% / low 3.20%
- Oct 10, 20263.30%▲ from 3.20%
- Sep 18, 20263.20%first recorded
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
4686 Fashion Square Blvd, Saginaw, MI 48604
24 Month Start 'N Grow
$500
3.30%
▲ 0.33% above Michigan avg
▼
Rate3.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.97%▲ 0.33% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.20% → 3.30% ▲ 0.10 pts · high 3.30% / low 3.20%
- Oct 10, 20263.30%▲ from 3.20%
- Sep 14, 20263.20%first recorded
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
2796 Erna Dr, Saginaw, MI 48603
24 Month CD-Certificate of Deposit
$0
3.25%
▲ 0.28% above Michigan avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.28% above avgNationally 2.88%
Details
Balance: $100,000 - $149,000
Rate History
No change since Sep 22, 2026 · 3.25% APY · checked 6 times
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1011 N Michigan Ave, Saginaw, MI 48602 4326
24 Month Certificates of Deposit
$1,000
3.25%
▲ 0.28% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.28% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1011 N Michigan Ave, Saginaw, MI 48602 4326
24 Month Traditional/Roth IRA CDs
$1,000
3.25%
▲ 0.28% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.28% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1011 N Michigan Ave, Saginaw, MI 48602 4326
Certificate of Deposit - 24 Months
$1,000
3.25%
▲ 0.28% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.28% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1011 N Michigan Ave, Saginaw, MI 48602 4326
Traditional/Roth IRA CDs - 24 Months
$1,000
3.25%
▲ 0.28% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.28% above avgNationally 2.88%
Details
IRA certificate; Minimum Deposit $1,000
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5430 State St, Saginaw, MI 48603
24 Month CD
$500
3.25%
▲ 0.28% above Michigan avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.28% above avgNationally 2.88%
Details
Dividend Rate (Interest) 3.20%; APY 3.25%
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
2796 Erna Dr, Saginaw, MI 48603
24 Month CD-Certificate of Deposit
$0
3.20%
▲ 0.23% above Michigan avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▲ 0.23% above avgNationally 2.88%
Details
Balance: $500 - $99,999
Rate History
No change since Sep 22, 2026 · 3.20% APY · checked 6 times
Isabella Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
4975 Bay Rd, Saginaw, MI 48604
2 Year CDs
$0
3.00%
▲ 0.03% above Michigan avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.97%▲ 0.03% above avgNationally 2.88%
Details
Over $10; Penalty for early withdrawal.
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 5 times
Isabella Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
4975 Bay Rd, Saginaw, MI 48604
24 Month IRA CD
$0
3.00%
▲ 0.03% above Michigan avg
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.97%▲ 0.03% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
4685 STATE ST, SAGINAW, MI 48603
24 Month Certificate
$500
2.95%
▼ 0.02% below Michigan avg
▼
Rate2.91%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▼ 0.02% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 8 times
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
24 Month Regular CD
$1,000
2.95%
▼ 0.02% below Michigan avg
▼
Rate2.91%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▼ 0.02% below avgNationally 2.88%
Details
Balance: $500,000.00 and over; Dividends compounded and credited monthly
Rate History
No change since Oct 13, 2026 · 2.95% APY
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
24 Month Traditional CD
$1,000
2.95%
▼ 0.02% below Michigan avg
▼
Rate2.91%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▼ 0.02% below avgNationally 2.88%
Details
Balance: $500,000.00 and over; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts
Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 4 times
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
24 Month Regular CD / Traditional IRA CD & Roth IRA CD
$1,000
2.90%
▼ 0.07% below Michigan avg
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▼ 0.07% below avgNationally 2.88%
Details
Balance: $250,000.00 - $499,999.99; Dividends compounded and credited monthly
Rate History
No change since Oct 13, 2026 · 2.90% APY
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
24 Month Traditional CD
$1,000
2.90%
▼ 0.07% below Michigan avg
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▼ 0.07% below avgNationally 2.88%
Details
Balance: $250,000.00 - $499,999.99; Also available as Traditional IRA CD and Roth IRA CD; CD, Traditional IRA CD & Roth IRA CD Accounts
Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 4 times
Independent Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1445 N Center, Saginaw, MI 48638
24-Month CD
$500
2.89%
▼ 0.08% below Michigan avg
▼
Rate2.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.97%▼ 0.08% below avgNationally 2.88%
Details
Rate History
2 changes since Sep 18, 2026 · 2.68% → 2.89% ▲ 0.21 pts · high 2.89% / low 2.68%
- Oct 2, 20262.89%▲ from 2.73%
- Sep 24, 20262.73%▲ from 2.68%
- Sep 18, 20262.68%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
24 Month Regular CD / Traditional IRA CD & Roth IRA CD
$1,000
2.85%
▼ 0.12% below Michigan avg
▼
Rate2.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▼ 0.12% below avgNationally 2.88%
Details
Balance: $100,000.00 - $249,999.99
Rate History
No change since Oct 13, 2026 · 2.85% APY
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
24 Month Traditional CD
$1,000
2.85%
▼ 0.12% below Michigan avg
▼
Rate2.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▼ 0.12% below avgNationally 2.88%
Details
Balance: $100,000.00 - $249,999.99; Also listed under Traditional IRA CD & Roth IRA CD Accounts; CD, Traditional IRA CD & Roth IRA CD Accounts
Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 4 times
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
24 Month Regular CD
$1,000
2.80%
▼ 0.17% below Michigan avg
▼
Rate2.76%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▼ 0.17% below avgNationally 2.88%
Details
Balance: $30,000.00 - 99,999.99; applies to Regular CD / Traditional IRA CD & Roth IRA CD Accounts
Rate History
No change since Oct 13, 2026 · 2.80% APY
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
24 Month Traditional CD
$1,000
2.80%
▼ 0.17% below Michigan avg
▼
Rate2.76%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▼ 0.17% below avgNationally 2.88%
Details
Balance: $30,000.00 - 99,999.99; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts
Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 4 times
Isabella Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
4975 Bay Rd, Saginaw, MI 48604
24 Month IRA Certificate
$0
2.75%
▼ 0.22% below Michigan avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.97%▼ 0.22% below avgNationally 2.88%
Details
Penalty for early withdrawal.
Rate History
No change since Oct 7, 2026 · 2.75% APY · checked 2 times
Isabella Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
4975 Bay Rd, Saginaw, MI 48604
CDs - 2 Years
$0
2.75%
▼ 0.22% below Michigan avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.97%▼ 0.22% below avgNationally 2.88%
Details
Under $10; Penalty for early withdrawal.
Rate History
No change since Oct 7, 2026 · 2.75% APY · checked 2 times
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
24 Month Regular CD / Traditional IRA CD & Roth IRA CD Accounts
$1,000
2.75%
▼ 0.22% below Michigan avg
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▼ 0.22% below avgNationally 2.88%
Details
Balance: $1,000.00 - $29,999.99
Rate History
No change since Oct 13, 2026 · 2.75% APY
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
Traditional CD - 24-Month
$1,000
2.75%
▼ 0.22% below Michigan avg
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.97%▼ 0.22% below avgNationally 2.88%
Details
Balance: $1,000.00 - $29,999.99; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts
Rate History
1 change since Sep 14, 2026 · 2.90% → 2.75% ▼ 0.15 pts · high 2.90% / low 2.75%
- Oct 13, 20262.75%▼ from 2.90%
- Sep 14, 20262.90%first recorded
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2322 Tittabawassee Rd, Saginaw, MI 48604
24 Month Certificate of Deposit
$0
0.03%
▼ 2.94% below Michigan avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.97%▼ 2.94% below avgNationally 2.88%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2322 Tittabawassee Rd, Saginaw, MI 48604
24 Month Certificate of Deposit
$0
0.02%
▼ 2.95% below Michigan avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.97%▼ 2.95% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2322 Tittabawassee Rd, Saginaw, MI 48604
24 Month Certificate of Deposit
$0
0.01%
▼ 2.96% below Michigan avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.97%▼ 2.96% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
2 Year Rising Rate Certificate of Deposit - Year 2 term
$0
4.75%
▲ 1.78% above Michigan avg
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.97%▲ 1.78% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 4.75% APY · checked 3 times
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 24 Month
$0
4.50%
▲ 1.53% above Michigan avg
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.97%▲ 1.53% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
- Sep 24, 20264.50%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Saginaw 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
5420 Gratiot Rd, Saginaw, MI 48638 6056
Simple CDs - 36 Months
$0
4.40%
▲ 1.46% above Michigan avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.94%▲ 1.46% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00%
- Oct 6, 20264.40%▲ from 4.00%
- Sep 14, 20264.00%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5430 State St, Saginaw, MI 48603
36 Month IRA/HSA CD - VIP Bonus
$500
3.75%
▲ 0.81% above Michigan avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.81% above avgNationally 2.81%
Details
VIP Bonus Rate; includes 0.25% VIP Relationship Reward Bonus
Rate History
No change since Oct 13, 2026 · 3.75% APY
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
4955 Bay Rd, Saginaw, MI 48604
36 Month Certificates of Deposit
$500
3.70%
▲ 0.76% above Michigan avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.76% above avgNationally 2.81%
Details
0.10% APY bonus earned if you also have a M1 Premier Checking Account; for members under 18 the required minimum balance on all CDs is $100.00; a penalty may be assessed for early withdrawals
Rate History
No change since Oct 13, 2026 · 3.70% APY
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
4955 Bay Rd, Saginaw, MI 48604
Certificate of Deposit - 36 Months
$500
3.70%
▲ 0.76% above Michigan avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.76% above avgNationally 2.81%
Details
Members under 18: minimum balance $100.00; 0.10% APY bonus if also holding M1 Premier Checking; early withdrawal penalty may apply
Rate History
No change since Oct 13, 2026 · 3.70% APY
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
5420 Gratiot Rd, Saginaw, MI 48638 6056
36 Month HSA CD
$0
3.65%
▲ 0.71% above Michigan avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.94%▲ 0.71% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 3.33% → 3.65% ▲ 0.32 pts · high 3.65% / low 3.33%
- Sep 22, 20263.65%▲ from 3.33%
- Sep 18, 20263.33%first recorded
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
5420 Gratiot Rd, Saginaw, MI 48638 6056
36 Month Standard CDs
$0
3.65%
▲ 0.71% above Michigan avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.94%▲ 0.71% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 3.33% → 3.65% ▲ 0.32 pts · high 3.65% / low 3.33%
- Sep 22, 20263.65%▲ from 3.33%
- Sep 18, 20263.33%first recorded
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
4550 STATE ST, SAGINAW, MI 48603
Share Certificates and IRA Share Certificates - 36 Month
$0
3.60%
▲ 0.66% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.66% above avgNationally 2.81%
Details
Balance to Earn APY: $500 & over
Rate History
1 change since Sep 21, 2026 · 3.25% → 3.60% ▲ 0.35 pts · high 3.60% / low 3.25%
- Oct 13, 20263.60%▲ from 3.25%
- Sep 21, 20263.25%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5430 State St, Saginaw, MI 48603
36 Month CD - VIP Bonus
$500
3.60%
▲ 0.66% above Michigan avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.66% above avgNationally 2.81%
Details
VIP Relationship Reward Bonus; VIP Bonus Rate 3.54%; VIP Bonus APY 3.60%
Rate History
No change since Oct 13, 2026 · 3.60% APY
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1700 Court St, Saginaw, MI 48602 4071
36 Month Certificates & IRA Certificates of Deposit
$0
3.60%
▲ 0.66% above Michigan avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.94%▲ 0.66% above avgNationally 2.81%
Details
Balance: $50,000 and above
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55%
- Oct 9, 20263.60%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Lake Huron Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
36 Month Certificate of Deposit
$0
3.56%
▲ 0.62% above Michigan avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.62% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 6 times
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
2882 Schust Rd, Saginaw, MI 48603
3 Year Share Certificate of Deposit
$0
3.55%
▲ 0.61% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.94%▲ 0.61% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 3 times
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
2882 Schust Rd, Saginaw, MI 48603
IRA Share Certificate of Deposit - 3 year
$0
3.55%
▲ 0.61% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.94%▲ 0.61% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
2796 Erna Dr, Saginaw, MI 48603
36 Month CD-Certificate of Deposit
$0
3.50%
▲ 0.56% above Michigan avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.56% above avgNationally 2.81%
Details
Balance: $250,000 and up
Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 6 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5430 State St, Saginaw, MI 48603
36 Month IRA/HSA CD
$500
3.50%
▲ 0.56% above Michigan avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.56% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1700 Court St, Saginaw, MI 48602 4071
36 Month Certificates & IRA Certificates of Deposit
$0
3.50%
▲ 0.56% above Michigan avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.94%▲ 0.56% above avgNationally 2.81%
Details
Balance: $1,000 to $49,999
Rate History
1 change since Sep 14, 2026 · 3.44% → 3.50% ▲ 0.05 pts · high 3.50% / low 3.44%
- Oct 9, 20263.50%▲ from 3.44%
- Sep 14, 20263.44%first recorded
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
2796 Erna Dr, Saginaw, MI 48603
36 Month CD-Certificate of Deposit
$0
3.45%
▲ 0.51% above Michigan avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.51% above avgNationally 2.81%
Details
Balance: $150,000 - $249,000
Rate History
No change since Sep 22, 2026 · 3.45% APY · checked 6 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
2796 Erna Dr, Saginaw, MI 48603
36 Month CD-Certificate of Deposit
$0
3.40%
▲ 0.46% above Michigan avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.46% above avgNationally 2.81%
Details
Balance: $100,000 - $149,000
Rate History
No change since Sep 22, 2026 · 3.40% APY · checked 6 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
2796 Erna Dr, Saginaw, MI 48603
36 Month CD-Certificate of Deposit
$0
3.35%
▲ 0.41% above Michigan avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.41% above avgNationally 2.81%
Details
Balance: $500 - $99,999
Rate History
No change since Sep 22, 2026 · 3.35% APY · checked 6 times
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
520 HAYDEN ST, SAGINAW, MI 48607
36 Month Certificate of Deposit
$0
3.35%
▲ 0.41% above Michigan avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.41% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 4 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5430 State St, Saginaw, MI 48603
36 Month CD
$500
3.35%
▲ 0.41% above Michigan avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.41% above avgNationally 2.81%
Details
Dividend Rate (Interest) 3.30%; APY 3.35%
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 6 times
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1011 N Michigan Ave, Saginaw, MI 48602 4326
36 Month Certificates of Deposit
$1,000
3.25%
▲ 0.31% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.31% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1011 N Michigan Ave, Saginaw, MI 48602 4326
36 Month Traditional/Roth IRA CDs
$1,000
3.25%
▲ 0.31% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.31% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1011 N Michigan Ave, Saginaw, MI 48602 4326
Certificate of Deposit - 36 Months
$1,000
3.25%
▲ 0.31% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.31% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1011 N Michigan Ave, Saginaw, MI 48602 4326
Traditional/Roth IRA CDs - 36 Months
$1,000
3.25%
▲ 0.31% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.31% above avgNationally 2.81%
Details
IRA certificate; Minimum Deposit $1,000
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
4686 Fashion Square Blvd, Saginaw, MI 48604
36 Month Certificate
$500
3.25%
▲ 0.31% above Michigan avg
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.94%▲ 0.31% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
6180 State St, Saginaw, MI 48603
36 Month Share Certificate
$1,000
3.25%
▲ 0.31% above Michigan avg
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.94%▲ 0.31% above avgNationally 2.81%
Details
Rate History
No change since Sep 22, 2026 · 3.25% APY · checked 2 times
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
6180 State St, Saginaw, MI 48603
Traditional and Roth IRA Share Certificates - 36 Month
$0
3.25%
▲ 0.31% above Michigan avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.94%▲ 0.31% above avgNationally 2.81%
Details
Compounded/Paid: Quarterly/Quarterly
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 3 times
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
4685 STATE ST, SAGINAW, MI 48603
Safe Parking 36 month
$500
3.10%
▲ 0.16% above Michigan avg
▼
Rate3.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.16% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 8 times
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
36 Month Regular CD
$1,000
3.05%
▲ 0.11% above Michigan avg
▼
Rate3.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.11% above avgNationally 2.81%
Details
Balance: $500,000.00 and over; Dividends compounded and credited monthly
Rate History
No change since Oct 13, 2026 · 3.05% APY
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
36 Month Traditional CD
$1,000
3.05%
▲ 0.11% above Michigan avg
▼
Rate3.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.11% above avgNationally 2.81%
Details
Balance: $500,000.00 and over; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 4 times
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
36 Month Regular CD / Traditional IRA CD & Roth IRA CD
$1,000
3.00%
▲ 0.06% above Michigan avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.06% above avgNationally 2.81%
Details
Balance: $250,000.00 - $499,999.99; Dividends compounded and credited monthly
Rate History
No change since Oct 13, 2026 · 3.00% APY
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
36 Month Traditional CD
$1,000
3.00%
▲ 0.06% above Michigan avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.06% above avgNationally 2.81%
Details
Balance: $250,000.00 - $499,999.99; Also available as Traditional IRA CD and Roth IRA CD; CD, Traditional IRA CD & Roth IRA CD Accounts
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 4 times
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
36 Month Regular CD / Traditional IRA CD & Roth IRA CD
$1,000
2.95%
▲ 0.01% above Michigan avg
▼
Rate2.91%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.01% above avgNationally 2.81%
Details
Balance: $100,000.00 - $249,999.99
Rate History
No change since Oct 13, 2026 · 2.95% APY
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
36 Month Traditional CD
$1,000
2.95%
▲ 0.01% above Michigan avg
▼
Rate2.91%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▲ 0.01% above avgNationally 2.81%
Details
Balance: $100,000.00 - $249,999.99; Also listed under Traditional IRA CD & Roth IRA CD Accounts; CD, Traditional IRA CD & Roth IRA CD Accounts
Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 4 times
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
36 Month Regular CD
$1,000
2.90%
▼ 0.04% below Michigan avg
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▼ 0.04% below avgNationally 2.81%
Details
Balance: $30,000.00 - 99,999.99; applies to Regular CD / Traditional IRA CD & Roth IRA CD Accounts
Rate History
No change since Oct 13, 2026 · 2.90% APY
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
36 Month Traditional CD
$1,000
2.90%
▼ 0.04% below Michigan avg
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▼ 0.04% below avgNationally 2.81%
Details
Balance: $30,000.00 - 99,999.99; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts
Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 4 times
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
36 Month Regular CD / Traditional IRA CD & Roth IRA CD Accounts
$1,000
2.85%
▼ 0.09% below Michigan avg
▼
Rate2.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▼ 0.09% below avgNationally 2.81%
Details
Balance: $1,000.00 - $29,999.99
Rate History
No change since Oct 13, 2026 · 2.85% APY
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
Traditional CD - 36-Month
$1,000
2.85%
▼ 0.09% below Michigan avg
▼
Rate2.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average2.94%▼ 0.09% below avgNationally 2.81%
Details
Balance: $1,000.00 - $29,999.99; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts
Rate History
1 change since Sep 14, 2026 · 3.00% → 2.85% ▼ 0.15 pts · high 3.00% / low 2.85%
- Oct 13, 20262.85%▼ from 3.00%
- Sep 14, 20263.00%first recorded
Isabella Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
4975 Bay Rd, Saginaw, MI 48604
3 Year CDs
$0
2.10%
▼ 0.84% below Michigan avg
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.94%▼ 0.84% below avgNationally 2.81%
Details
Over $10; Penalty for early withdrawal.
Rate History
No change since Sep 24, 2026 · 2.10% APY · checked 5 times
Isabella Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
4975 Bay Rd, Saginaw, MI 48604
36 Month IRA CD
$0
2.10%
▼ 0.84% below Michigan avg
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.94%▼ 0.84% below avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 2.10% APY · checked 2 times
Isabella Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
4975 Bay Rd, Saginaw, MI 48604
36 Month IRA Certificate
$0
2.00%
▼ 0.94% below Michigan avg
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.94%▼ 0.94% below avgNationally 2.81%
Details
Penalty for early withdrawal.
Rate History
No change since Oct 7, 2026 · 2.00% APY · checked 2 times
Isabella Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
4975 Bay Rd, Saginaw, MI 48604
CDs - 3 Years
$0
2.00%
▼ 0.94% below Michigan avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.94%▼ 0.94% below avgNationally 2.81%
Details
Under $10; Penalty for early withdrawal.
Rate History
No change since Oct 7, 2026 · 2.00% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2322 Tittabawassee Rd, Saginaw, MI 48604
36 Month Certificate of Deposit
$0
0.03%
▼ 2.91% below Michigan avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.94%▼ 2.91% below avgNationally 2.81%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2322 Tittabawassee Rd, Saginaw, MI 48604
36 Month Certificate of Deposit
$0
0.02%
▼ 2.92% below Michigan avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.94%▼ 2.92% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2322 Tittabawassee Rd, Saginaw, MI 48604
36 Month Certificate of Deposit
$0
0.01%
▼ 2.93% below Michigan avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.94%▼ 2.93% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
3-Year Rising Rate Certificate of Deposit - Year 3 term
$0
5.00%
▲ 2.06% above Michigan avg
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.94%▲ 2.06% above avgNationally 2.81%
Details
Rate History
No change since Sep 19, 2026 · 5.00% APY · checked 4 times
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
3-Year Rising Rate Certificate of Deposit - Blended APY
$0
4.75%
▲ 1.81% above Michigan avg
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.94%▲ 1.81% above avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 4.75% APY · checked 3 times
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
3-Year Rising Rate Certificate of Deposit - Year 2 term
$0
4.75%
▲ 1.81% above Michigan avg
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.94%▲ 1.81% above avgNationally 2.81%
Details
Rate History
No change since Sep 19, 2026 · 4.75% APY · checked 4 times
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 36 Month
$0
4.60%
▲ 1.66% above Michigan avg
▼
Rate4.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.94%▲ 1.66% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
- Sep 24, 20264.60%▲ from 4.20%
- Sep 14, 20264.20%first recorded
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
3-Year Rising Rate Certificate of Deposit - Year 1 term
$0
4.50%
▲ 1.56% above Michigan avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.94%▲ 1.56% above avgNationally 2.81%
Details
Rate History
No change since Sep 19, 2026 · 4.50% APY · checked 4 times
Saginaw 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
5420 Gratiot Rd, Saginaw, MI 48638 6056
Simple CDs - 48 Months
$0
4.40%
▲ 1.40% above Michigan avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.00%▲ 1.40% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.40% ▲ 0.50 pts · high 4.40% / low 3.90%
- Oct 6, 20264.40%▲ from 3.90%
- Sep 14, 20263.90%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5430 State St, Saginaw, MI 48603
48 Month IRA/HSA CD - VIP Bonus
$500
3.90%
▲ 0.90% above Michigan avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.90% above avgNationally 2.80%
Details
VIP Bonus Rate; includes 0.25% VIP Relationship Reward Bonus
Rate History
No change since Oct 13, 2026 · 3.90% APY
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
4955 Bay Rd, Saginaw, MI 48604
48 Month Certificates of Deposit
$500
3.75%
▲ 0.75% above Michigan avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.75% above avgNationally 2.80%
Details
0.10% APY bonus earned if you also have a M1 Premier Checking Account; for members under 18 the required minimum balance on all CDs is $100.00; a penalty may be assessed for early withdrawals
Rate History
No change since Oct 13, 2026 · 3.75% APY
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
4955 Bay Rd, Saginaw, MI 48604
Certificate of Deposit - 48 Months
$500
3.75%
▲ 0.75% above Michigan avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.75% above avgNationally 2.80%
Details
Members under 18: minimum balance $100.00; 0.10% APY bonus if also holding M1 Premier Checking; early withdrawal penalty may apply
Rate History
No change since Oct 13, 2026 · 3.75% APY
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5430 State St, Saginaw, MI 48603
48 Month CD - VIP Bonus
$500
3.75%
▲ 0.75% above Michigan avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.75% above avgNationally 2.80%
Details
VIP Relationship Reward Bonus; VIP Bonus Rate 3.69%; VIP Bonus APY 3.75%
Rate History
No change since Oct 13, 2026 · 3.75% APY
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5430 State St, Saginaw, MI 48603
48 Month IRA/HSA CD
$500
3.65%
▲ 0.65% above Michigan avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.65% above avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 6 times
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
5420 Gratiot Rd, Saginaw, MI 48638 6056
48 Month HSA CD
$0
3.65%
▲ 0.65% above Michigan avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.00%▲ 0.65% above avgNationally 2.80%
Details
Rate History
1 change since Sep 18, 2026 · 3.24% → 3.65% ▲ 0.41 pts · high 3.65% / low 3.24%
- Sep 22, 20263.65%▲ from 3.24%
- Sep 18, 20263.24%first recorded
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
5420 Gratiot Rd, Saginaw, MI 48638 6056
Bump Rate CD - 48 Months
$0
3.65%
▲ 0.65% above Michigan avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.00%▲ 0.65% above avgNationally 2.80%
Details
Rate History
No change since Oct 6, 2026 · 3.65% APY · checked 2 times
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1700 Court St, Saginaw, MI 48602 4071
48 Month Certificates & IRA Certificates of Deposit
$0
3.65%
▲ 0.65% above Michigan avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.00%▲ 0.65% above avgNationally 2.80%
Details
Balance: $50,000 and above
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.65% ▲ 0.05 pts · high 3.65% / low 3.60%
- Oct 9, 20263.65%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
4550 STATE ST, SAGINAW, MI 48603
Share Certificates and IRA Share Certificates - 48 Month
$0
3.60%
▲ 0.60% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.60% above avgNationally 2.80%
Details
Balance to Earn APY: $500 & over
Rate History
1 change since Sep 21, 2026 · 3.25% → 3.60% ▲ 0.35 pts · high 3.60% / low 3.25%
- Oct 13, 20263.60%▲ from 3.25%
- Sep 21, 20263.25%first recorded
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
2882 Schust Rd, Saginaw, MI 48603
4 Year Share Certificate of Deposit
$0
3.60%
▲ 0.60% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.00%▲ 0.60% above avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 3 times
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
2882 Schust Rd, Saginaw, MI 48603
IRA Share Certificate of Deposit - 4 year
$0
3.60%
▲ 0.60% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.00%▲ 0.60% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
520 HAYDEN ST, SAGINAW, MI 48607
48 Month Certificate of Deposit
$0
3.60%
▲ 0.60% above Michigan avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.60% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 4 times
Lake Huron Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
48 Month Certificate of Deposit
$0
3.56%
▲ 0.56% above Michigan avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.56% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 6 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
2796 Erna Dr, Saginaw, MI 48603
48 Month CD-Certificate of Deposit
$0
3.55%
▲ 0.55% above Michigan avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.55% above avgNationally 2.80%
Details
Balance: $250,000 and up
Rate History
No change since Sep 22, 2026 · 3.55% APY · checked 6 times
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1700 Court St, Saginaw, MI 48602 4071
48 Month Certificates & IRA Certificates of Deposit
$0
3.55%
▲ 0.55% above Michigan avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.00%▲ 0.55% above avgNationally 2.80%
Details
Balance: $1,000 to $49,999
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.55% ▲ 0.05 pts · high 3.55% / low 3.50%
- Oct 9, 20263.55%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
2796 Erna Dr, Saginaw, MI 48603
48 Month CD-Certificate of Deposit
$0
3.50%
▲ 0.50% above Michigan avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.50% above avgNationally 2.80%
Details
Balance: $150,000 - $249,000
Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 6 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5430 State St, Saginaw, MI 48603
48 Month CD
$500
3.50%
▲ 0.50% above Michigan avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.50% above avgNationally 2.80%
Details
Dividend Rate (Interest) 3.45%; APY 3.50%
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
2796 Erna Dr, Saginaw, MI 48603
48 Month CD-Certificate of Deposit
$0
3.45%
▲ 0.45% above Michigan avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.45% above avgNationally 2.80%
Details
Balance: $100,000 - $149,000
Rate History
No change since Sep 22, 2026 · 3.45% APY · checked 6 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
2796 Erna Dr, Saginaw, MI 48603
48 Month CD-Certificate of Deposit
$0
3.40%
▲ 0.40% above Michigan avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.40% above avgNationally 2.80%
Details
Balance: $500 - $99,999
Rate History
No change since Sep 22, 2026 · 3.40% APY · checked 6 times
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1011 N Michigan Ave, Saginaw, MI 48602 4326
48 Month Certificates of Deposit
$1,000
3.25%
▲ 0.25% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.25% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1011 N Michigan Ave, Saginaw, MI 48602 4326
48 Month Traditional/Roth IRA CDs
$1,000
3.25%
▲ 0.25% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.25% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1011 N Michigan Ave, Saginaw, MI 48602 4326
Certificate of Deposit - 48 Months
$1,000
3.25%
▲ 0.25% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.25% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1011 N Michigan Ave, Saginaw, MI 48602 4326
Traditional/Roth IRA CDs - 48 Months
$1,000
3.25%
▲ 0.25% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.25% above avgNationally 2.80%
Details
IRA certificate; Minimum Deposit $1,000
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
4686 Fashion Square Blvd, Saginaw, MI 48604
48 Month Certificate
$500
3.25%
▲ 0.25% above Michigan avg
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.00%▲ 0.25% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
6180 State St, Saginaw, MI 48603
48 Month Share Certificate
$1,000
3.25%
▲ 0.25% above Michigan avg
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.00%▲ 0.25% above avgNationally 2.80%
Details
Rate History
No change since Sep 22, 2026 · 3.25% APY · checked 2 times
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
6180 State St, Saginaw, MI 48603
Traditional and Roth IRA Share Certificates - 48 Month
$0
3.25%
▲ 0.25% above Michigan avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.00%▲ 0.25% above avgNationally 2.80%
Details
Compounded/Paid: Quarterly/Quarterly
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 3 times
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
4685 STATE ST, SAGINAW, MI 48603
48 Month Certificate
$500
3.20%
▲ 0.20% above Michigan avg
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.20% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 8 times
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
48 Month Regular CD
$1,000
3.15%
▲ 0.15% above Michigan avg
▼
Rate3.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.15% above avgNationally 2.80%
Details
Balance: $500,000.00 and over; Dividends compounded and credited monthly
Rate History
No change since Oct 13, 2026 · 3.15% APY
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
48 Month Traditional CD
$1,000
3.15%
▲ 0.15% above Michigan avg
▼
Rate3.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.15% above avgNationally 2.80%
Details
Balance: $500,000.00 and over; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 4 times
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
48 Month Regular CD / Traditional IRA CD & Roth IRA CD
$1,000
3.10%
▲ 0.10% above Michigan avg
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.10% above avgNationally 2.80%
Details
Balance: $250,000.00 - $499,999.99; Dividends compounded and credited monthly
Rate History
No change since Oct 13, 2026 · 3.10% APY
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
48 Month Traditional CD
$1,000
3.10%
▲ 0.10% above Michigan avg
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.10% above avgNationally 2.80%
Details
Balance: $250,000.00 - $499,999.99; Also available as Traditional IRA CD and Roth IRA CD; CD, Traditional IRA CD & Roth IRA CD Accounts
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 4 times
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
48 Month Regular CD / Traditional IRA CD & Roth IRA CD
$1,000
3.05%
▲ 0.05% above Michigan avg
▼
Rate3.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.05% above avgNationally 2.80%
Details
Balance: $100,000.00 - $249,999.99
Rate History
No change since Oct 13, 2026 · 3.05% APY
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
48 Month Traditional CD
$1,000
3.05%
▲ 0.05% above Michigan avg
▼
Rate3.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▲ 0.05% above avgNationally 2.80%
Details
Balance: $100,000.00 - $249,999.99; Also listed under Traditional IRA CD & Roth IRA CD Accounts; CD, Traditional IRA CD & Roth IRA CD Accounts
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 4 times
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
48 Month Regular CD
$1,000
3.00%
At Michigan avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%At the averageNationally 2.80%
Details
Balance: $30,000.00 - 99,999.99; applies to Regular CD / Traditional IRA CD & Roth IRA CD Accounts
Rate History
No change since Oct 13, 2026 · 3.00% APY
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
48 Month Traditional CD
$1,000
3.00%
At Michigan avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%At the averageNationally 2.80%
Details
Balance: $30,000.00 - 99,999.99; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 4 times
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
48 Month Regular CD / Traditional IRA CD & Roth IRA CD Accounts
$1,000
2.95%
▼ 0.05% below Michigan avg
▼
Rate2.91%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▼ 0.05% below avgNationally 2.80%
Details
Balance: $1,000.00 - $29,999.99
Rate History
No change since Oct 13, 2026 · 2.95% APY
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
Traditional CD - 48-Month
$1,000
2.95%
▼ 0.05% below Michigan avg
▼
Rate2.91%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.00%▼ 0.05% below avgNationally 2.80%
Details
Balance: $1,000.00 - $29,999.99; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts
Rate History
1 change since Sep 14, 2026 · 3.10% → 2.95% ▼ 0.15 pts · high 3.10% / low 2.95%
- Oct 13, 20262.95%▼ from 3.10%
- Sep 14, 20263.10%first recorded
Isabella Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
4975 Bay Rd, Saginaw, MI 48604
4 Year CDs
$0
2.10%
▼ 0.90% below Michigan avg
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.00%▼ 0.90% below avgNationally 2.80%
Details
Over $10; Penalty for early withdrawal.
Rate History
No change since Sep 24, 2026 · 2.10% APY · checked 5 times
Isabella Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
4975 Bay Rd, Saginaw, MI 48604
48 Month IRA CD
$0
2.10%
▼ 0.90% below Michigan avg
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.00%▼ 0.90% below avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 2.10% APY · checked 2 times
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1700 Court St, Saginaw, MI 48602 4071
48 Month Youth Certificates of Deposit
$0
2.02%
▼ 0.98% below Michigan avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.00%▼ 0.98% below avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 5 times
Isabella Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
4975 Bay Rd, Saginaw, MI 48604
48 Month IRA Certificate
$0
2.00%
▼ 1.00% below Michigan avg
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.00%▼ 1.00% below avgNationally 2.80%
Details
Penalty for early withdrawal.
Rate History
No change since Oct 7, 2026 · 2.00% APY · checked 2 times
Isabella Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
4975 Bay Rd, Saginaw, MI 48604
CDs - 4 Years
$0
2.00%
▼ 1.00% below Michigan avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.00%▼ 1.00% below avgNationally 2.80%
Details
Under $10; Penalty for early withdrawal.
Rate History
No change since Oct 7, 2026 · 2.00% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2322 Tittabawassee Rd, Saginaw, MI 48604
48 Month Certificate of Deposit
$0
0.03%
▼ 2.97% below Michigan avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.00%▼ 2.97% below avgNationally 2.80%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2322 Tittabawassee Rd, Saginaw, MI 48604
48 Month Certificate of Deposit
$0
0.02%
▼ 2.98% below Michigan avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.00%▼ 2.98% below avgNationally 2.80%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2322 Tittabawassee Rd, Saginaw, MI 48604
48 Month Certificate of Deposit
$0
0.01%
▼ 2.99% below Michigan avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.00%▼ 2.99% below avgNationally 2.80%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 48 Month
$0
4.70%
▲ 1.70% above Michigan avg
▼
Rate4.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.00%▲ 1.70% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.70% ▲ 0.45 pts · high 4.70% / low 4.25%
- Sep 24, 20264.70%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
48 Month Share Certificates
$0
4.50%
▲ 1.50% above Michigan avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.00%▲ 1.50% above avgNationally 2.80%
Details
Rates effective October 1, 2026
Rate History
No change since Sep 12, 2026 · 4.50% APY · checked 5 times
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
48 Month Certificate of Deposit
$0
4.45%
▲ 1.45% above Michigan avg
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.00%▲ 1.45% above avgNationally 2.80%
Details
Rate History
2 changes since Sep 18, 2026 · 4.20% → 4.45% ▲ 0.25 pts · high 4.45% / low 4.20%
- Oct 2, 20264.45%▲ from 4.30%
- Sep 24, 20264.30%▲ from 4.20%
- Sep 18, 20264.20%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Time Certificate of Deposit - 48 Month
$0
4.45%
▲ 1.45% above Michigan avg
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.00%▲ 1.45% above avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 4.45% APY · checked 2 times
Saginaw 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
5420 Gratiot Rd, Saginaw, MI 48638 6056
3 - 60 Month Simple CDs
$500
4.50%
▲ 1.43% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.07%▲ 1.43% above avgNationally 2.91%
Details
APY assumes interest payouts remain in your certificate account until maturity. Interest rate is guaranteed for the length of the term. An early withdrawal penalty may be applied when a withdrawal is made prior to maturity of the certificate and could result in loss of principal.
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Sep 27, 20264.50%▲ from 4.00%
- Sep 14, 20264.00%first recorded
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
5420 Gratiot Rd, Saginaw, MI 48638 6056
Simple CDs - 60 Months
$0
4.40%
▲ 1.33% above Michigan avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.07%▲ 1.33% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.40% ▲ 0.50 pts · high 4.40% / low 3.90%
- Oct 6, 20264.40%▲ from 3.90%
- Sep 14, 20263.90%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5430 State St, Saginaw, MI 48603
60 Month IRA/HSA CD - VIP Bonus
$500
4.15%
▲ 1.08% above Michigan avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 1.08% above avgNationally 2.91%
Details
VIP Bonus Rate; includes 0.25% VIP Relationship Reward Bonus
Rate History
No change since Oct 13, 2026 · 4.15% APY
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6640 Bay Rd, Saginaw, MI 48604
60 Month Jumbo Business Certificates
$0
4.07%
▲ 1.00% above Michigan avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.07%▲ 1.00% above avgNationally 2.91%
Details
Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice.
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 7 times
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6640 Bay Rd, Saginaw, MI 48604
60 Month Jumbo Certificates
$0
4.07%
▲ 1.00% above Michigan avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.07%▲ 1.00% above avgNationally 2.91%
Details
APY = Annual Percentage Yield. Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice.
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 7 times
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6640 Bay Rd, Saginaw, MI 48604
60 Month Jumbo HSA Certificate
$0
4.07%
▲ 1.00% above Michigan avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.07%▲ 1.00% above avgNationally 2.91%
Details
APY = Annual Percentage Yield. Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice.
Rate History
No change since Oct 9, 2026 · 4.07% APY · checked 3 times
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6640 Bay Rd, Saginaw, MI 48604
60 Month Jumbo IRA Certificate
$0
4.07%
▲ 1.00% above Michigan avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.07%▲ 1.00% above avgNationally 2.91%
Details
APY = Annual Percentage Yield.; Dividends are compounded & credited monthly.; There is a penalty for early withdrawal.; Rates are subject to change without notice.
Rate History
No change since Oct 9, 2026 · 4.07% APY · checked 3 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5430 State St, Saginaw, MI 48603
60 Month CD - VIP Bonus
$500
4.00%
▲ 0.93% above Michigan avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.93% above avgNationally 2.91%
Details
VIP Relationship Reward Bonus; VIP Bonus Rate 3.93%; VIP Bonus APY 4.00%
Rate History
No change since Oct 13, 2026 · 4.00% APY
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5430 State St, Saginaw, MI 48603
60 Mo. IRA CD VIP
$0
3.90%
▲ 0.83% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.83% above avgNationally 2.91%
Details
IRA certificate
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 5 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5430 State St, Saginaw, MI 48603
60 Month IRA/HSA CD
$500
3.90%
▲ 0.83% above Michigan avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.83% above avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 6 times
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
4955 Bay Rd, Saginaw, MI 48604
60 Month Certificates of Deposit
$500
3.75%
▲ 0.68% above Michigan avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.68% above avgNationally 2.91%
Details
0.10% APY bonus earned if you also have a M1 Premier Checking Account; for members under 18 the required minimum balance on all CDs is $100.00; a penalty may be assessed for early withdrawals
Rate History
No change since Oct 13, 2026 · 3.75% APY
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
4955 Bay Rd, Saginaw, MI 48604
Certificate of Deposit - 60 Months
$500
3.75%
▲ 0.68% above Michigan avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.68% above avgNationally 2.91%
Details
Members under 18: minimum balance $100.00; 0.10% APY bonus if also holding M1 Premier Checking; early withdrawal penalty may apply
Rate History
No change since Oct 13, 2026 · 3.75% APY
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
5430 State St, Saginaw, MI 48603
60 Month CD
$500
3.75%
▲ 0.68% above Michigan avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.68% above avgNationally 2.91%
Details
Dividend Rate (Interest) 3.69%; APY 3.75%
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1700 Court St, Saginaw, MI 48602 4071
60 Month Certificates & IRA Certificates of Deposit
$0
3.70%
▲ 0.63% above Michigan avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.07%▲ 0.63% above avgNationally 2.91%
Details
Balance: $50,000 and above
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.70% ▲ 0.05 pts · high 3.70% / low 3.65%
- Oct 9, 20263.70%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
2796 Erna Dr, Saginaw, MI 48603
60 Month CD-Certificate of Deposit
$0
3.70%
▲ 0.63% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.63% above avgNationally 2.91%
Details
Balance: $250,000 and up
Rate History
No change since Sep 22, 2026 · 3.70% APY · checked 6 times
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
4550 STATE ST, SAGINAW, MI 48603
Share Certificates and IRA Share Certificates - 60 Month
$0
3.65%
▲ 0.58% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.58% above avgNationally 2.91%
Details
Balance to Earn APY: $500 & over
Rate History
1 change since Sep 21, 2026 · 3.15% → 3.65% ▲ 0.50 pts · high 3.65% / low 3.15%
- Oct 13, 20263.65%▲ from 3.15%
- Sep 21, 20263.15%first recorded
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
2882 Schust Rd, Saginaw, MI 48603
5 Year Share Certificate of Deposit
$0
3.65%
▲ 0.58% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.07%▲ 0.58% above avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 3 times
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
2882 Schust Rd, Saginaw, MI 48603
IRA Share Certificate of Deposit - 5 year
$0
3.65%
▲ 0.58% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.07%▲ 0.58% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
2796 Erna Dr, Saginaw, MI 48603
60 Month CD-Certificate of Deposit
$0
3.65%
▲ 0.58% above Michigan avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.58% above avgNationally 2.91%
Details
Balance: $150,000 - $249,000
Rate History
No change since Sep 22, 2026 · 3.65% APY · checked 6 times
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
5420 Gratiot Rd, Saginaw, MI 48638 6056
Bump Rate CD - 60 Months
$0
3.65%
▲ 0.58% above Michigan avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.07%▲ 0.58% above avgNationally 2.91%
Details
Rate History
No change since Oct 6, 2026 · 3.65% APY · checked 2 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
2796 Erna Dr, Saginaw, MI 48603
60 Month CD-Certificate of Deposit
$0
3.60%
▲ 0.53% above Michigan avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.53% above avgNationally 2.91%
Details
Balance: $100,000 - $149,000
Rate History
No change since Sep 22, 2026 · 3.60% APY · checked 6 times
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1700 Court St, Saginaw, MI 48602 4071
60 Month Certificates & IRA Certificates of Deposit
$0
3.59%
▲ 0.52% above Michigan avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.07%▲ 0.52% above avgNationally 2.91%
Details
Balance: $1,000 to $49,999
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.59% ▲ 0.04 pts · high 3.59% / low 3.55%
- Oct 9, 20263.59%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Lake Huron Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
60 Month Certificate of Deposit
$0
3.56%
▲ 0.49% above Michigan avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.49% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 6 times
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6640 Bay Rd, Saginaw, MI 48604
60 Month Business Certificates
$500
3.55%
▲ 0.48% above Michigan avg
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.07%▲ 0.48% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6640 Bay Rd, Saginaw, MI 48604
60 Month CD
$0
3.55%
▲ 0.48% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.07%▲ 0.48% above avgNationally 2.91%
Details
One-time rate bump on 60 month term
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6640 Bay Rd, Saginaw, MI 48604
60 Month Certificate
$500
3.55%
▲ 0.48% above Michigan avg
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.07%▲ 0.48% above avgNationally 2.91%
Details
Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice.
Rate History
No change since Oct 9, 2026 · 3.55% APY · checked 3 times
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6640 Bay Rd, Saginaw, MI 48604
60 Month HSA Certificate
$500
3.55%
▲ 0.48% above Michigan avg
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.07%▲ 0.48% above avgNationally 2.91%
Details
Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice.
Rate History
No change since Oct 9, 2026 · 3.55% APY · checked 3 times
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
6640 Bay Rd, Saginaw, MI 48604
60 Month IRA Certificate
$500
3.55%
▲ 0.48% above Michigan avg
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.07%▲ 0.48% above avgNationally 2.91%
Details
Rate History
No change since Oct 9, 2026 · 3.55% APY · checked 3 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
2796 Erna Dr, Saginaw, MI 48603
60 Month CD-Certificate of Deposit
$0
3.55%
▲ 0.48% above Michigan avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.48% above avgNationally 2.91%
Details
Balance: $500 - $99,999
Rate History
No change since Sep 22, 2026 · 3.55% APY · checked 6 times
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
2882 Schust Rd, Saginaw, MI 48603
2.5 Year Share Certificate of Deposit
$0
3.50%
▲ 0.43% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.07%▲ 0.43% above avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
2882 Schust Rd, Saginaw, MI 48603
IRA Share Certificate of Deposit - 2.5 year
$0
3.50%
▲ 0.43% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.07%▲ 0.43% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 2 times
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
520 HAYDEN ST, SAGINAW, MI 48607
60 Month Certificate of Deposit
$0
3.50%
▲ 0.43% above Michigan avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.43% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
4686 Fashion Square Blvd, Saginaw, MI 48604
60 Month Certificate
$500
3.50%
▲ 0.43% above Michigan avg
▼
Rate3.46%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.07%▲ 0.43% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40%
- Oct 10, 20263.50%▲ from 3.40%
- Sep 14, 20263.40%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
60 Month Regular CD
$1,000
3.45%
▲ 0.38% above Michigan avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.38% above avgNationally 2.91%
Details
Balance: $500,000.00 and over; Dividends compounded and credited monthly
Rate History
No change since Oct 13, 2026 · 3.45% APY
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
60 Month Traditional CD
$1,000
3.45%
▲ 0.38% above Michigan avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.38% above avgNationally 2.91%
Details
Balance: $500,000.00 and over; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 4 times
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
60 Month Regular CD / Traditional IRA CD & Roth IRA CD
$1,000
3.35%
▲ 0.28% above Michigan avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.28% above avgNationally 2.91%
Details
Balance: $250,000.00 - $499,999.99; Dividends compounded and credited monthly
Rate History
No change since Oct 13, 2026 · 3.35% APY
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
60 Month Traditional CD
$1,000
3.35%
▲ 0.28% above Michigan avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.28% above avgNationally 2.91%
Details
Balance: $250,000.00 - $499,999.99; Also available as Traditional IRA CD and Roth IRA CD; CD, Traditional IRA CD & Roth IRA CD Accounts
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 4 times
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
60 Month Regular CD / Traditional IRA CD & Roth IRA CD
$1,000
3.25%
▲ 0.18% above Michigan avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.18% above avgNationally 2.91%
Details
Balance: $100,000.00 - $249,999.99
Rate History
No change since Oct 13, 2026 · 3.25% APY
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
60 Month Traditional CD
$1,000
3.25%
▲ 0.18% above Michigan avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.18% above avgNationally 2.91%
Details
Balance: $100,000.00 - $249,999.99; Also listed under Traditional IRA CD & Roth IRA CD Accounts; CD, Traditional IRA CD & Roth IRA CD Accounts
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 4 times
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1011 N Michigan Ave, Saginaw, MI 48602 4326
60 Month Certificates of Deposit
$1,000
3.25%
▲ 0.18% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.18% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1011 N Michigan Ave, Saginaw, MI 48602 4326
60 Month Traditional/Roth IRA CDs
$1,000
3.25%
▲ 0.18% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.18% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1011 N Michigan Ave, Saginaw, MI 48602 4326
Certificate of Deposit - 60 Months
$1,000
3.25%
▲ 0.18% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.18% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
1011 N Michigan Ave, Saginaw, MI 48602 4326
Traditional/Roth IRA CDs - 60 Months
$1,000
3.25%
▲ 0.18% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.18% above avgNationally 2.91%
Details
IRA certificate; Minimum Deposit $1,000
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
6180 State St, Saginaw, MI 48603
60 Month Share Certificate
$1,000
3.25%
▲ 0.18% above Michigan avg
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.07%▲ 0.18% above avgNationally 2.91%
Details
Rate History
No change since Sep 22, 2026 · 3.25% APY · checked 2 times
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
6180 State St, Saginaw, MI 48603
Traditional and Roth IRA Share Certificates - 60 Month
$0
3.25%
▲ 0.18% above Michigan avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.07%▲ 0.18% above avgNationally 2.91%
Details
Compounded/Paid: Quarterly/Quarterly
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 3 times
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
4685 STATE ST, SAGINAW, MI 48603
60 Month Certificate
$500
3.20%
▲ 0.13% above Michigan avg
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.13% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 8 times
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
60 Month Regular CD
$1,000
3.20%
▲ 0.13% above Michigan avg
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.13% above avgNationally 2.91%
Details
Balance: $30,000.00 - 99,999.99; applies to Regular CD / Traditional IRA CD & Roth IRA CD Accounts
Rate History
No change since Oct 13, 2026 · 3.20% APY
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
60 Month Traditional CD
$1,000
3.20%
▲ 0.13% above Michigan avg
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.13% above avgNationally 2.91%
Details
Balance: $30,000.00 - 99,999.99; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 4 times
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
60 Month Regular CD / Traditional IRA CD & Roth IRA CD Accounts
$1,000
3.15%
▲ 0.08% above Michigan avg
▼
Rate3.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.08% above avgNationally 2.91%
Details
Balance: $1,000.00 - $29,999.99
Rate History
No change since Oct 13, 2026 · 3.15% APY
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2686 McLeod Dr N, Saginaw, MI 48604
Traditional CD - 60-Month
$1,000
3.15%
▲ 0.08% above Michigan avg
▼
Rate3.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Michigan Average3.07%▲ 0.08% above avgNationally 2.91%
Details
Balance: $1,000.00 - $29,999.99; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.15% ▼ 0.20 pts · high 3.35% / low 3.15%
- Oct 13, 20263.15%▼ from 3.35%
- Sep 14, 20263.35%first recorded
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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Saginaw, MI CD Rate Trends
Compare local Saginaw, 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
3.119%
▲ 0.008 vs 7 days ago
Michigan 12-month CD rates rose 0.008 points over the past 7 days to 3.119% APY.
6-Month CD MI Avg
2.866%
▲ 0.014 vs 7 days ago
Michigan 6-month CD rates rose 0.014 points over the past 7 days to 2.866% APY.
As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions
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MI CD Rate Forecast, Next 12 Months
Where are Michigan CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MI 12-Month Avg APY
3.119%
6-Month Forecast
3.119%
Range: 2.92%, 3.27%
12-Month Forecast
3.369%
Range: 3.17%, 3.52%
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What Your Savings Earn at MI CD Rates Today
Annual interest earnings at today’s Michigan average APYs. State average used where available; national average as fallback.
| CD Term | MI Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.126% | $106.32 | $212.63 | $531.58 | $1,063.15 |
| 6-Month CD | 2.866% | $143.28 | $286.55 | $716.38 | $1,432.75 |
| 12-Month CD | 3.119% | $155.93 | $311.85 | $779.63 | $1,559.25 |
| 18-Month CD | 3.096% | $154.80 | $309.60 | $774.00 | $1,548.00 |
| 24-Month CD | 2.975% | $148.74 | $297.49 | $743.72 | $1,487.45 |
| 36-Month CD | 2.936% | $146.82 | $293.63 | $734.08 | $1,468.15 |
| 48-Month CD | 3.002% | $150.08 | $300.16 | $750.40 | $1,500.80 |
| 60-Month CD | 3.067% | $153.33 | $306.66 | $766.65 | $1,533.30 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026. | |||||
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Sample CD Ladder for Saginaw, 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 | 2.126% | $106.32 |
| 2 | 6-Month CD | $5,000 | 2.866% | $143.28 |
| 3 | 12-Month CD | $5,000 | 3.119% | $155.93 |
| 4 | 24-Month CD | $5,000 | 2.975% | $148.74 |
| 5 | 36-Month CD | $5,000 | 2.936% | $146.82 |
| Total ($25,000 invested) | $25,000 | 2.804% blended | $701.09/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.
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1,982
CD Rates
Tracked in Saginaw, Michigan
Tracked in Saginaw, Michigan
21 Banks
80 Credit Unions
About Our Saginaw, Michigan CD Rate Database
MonitorBankRates tracks 1,982 CD rates from 21 banks and 80 credit unions with locations in Saginaw, 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 to 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 Saginaw, Michigan.
How to Find the Best CD Rates in Saginaw, Michigan
What to compare when shopping for a CD in Saginaw, Michigan
To find the best APYs in Saginaw, Michigan, start with credit unions and online-only banks: Saginaw, Michigan has 80 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 Saginaw, 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 Saginaw, Michigan: 101 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Saginaw, Michigan savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Saginaw, Michigan money market rates
Saginaw, Michigan Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
14.9%
National avg: 17.3%
Median Individual Earnings
$26,707
National avg: $47,340
Poverty Rate
34.0%
National avg: 11.1%
Unemployment Rate
10.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$83/yr
At MI 12-mo avg 3.119% APY
14.9% of residents are 65 or older, below the national average of 17.3%; an unemployment rate of 10.1% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s MI 12-month CD average of 3.119%, saving 10% of the local median salary ($2,670/year) and putting it in a CD would earn an additional $83 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 Saginaw, 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 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Saginaw, Michigan
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Saginaw, Michigan typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Saginaw, Michigan as everywhere in the U.S.
Choosing a CD Term in Saginaw, Michigan
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Saginaw, Michigan savers easier access to their funds. For example, United Financial Credit Union is offering its 6 month - 4H or FFA CD at 5.05% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, DOW is offering its 3 - 60 Month Simple CDs at 4.50% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Saginaw, Michigan Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Saginaw, Michigan saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Saginaw, Michigan
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Saginaw, Michigan CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Saginaw, Michigan
Most CDs carry a fixed rate that is locked for the entire term, protecting a Saginaw, Michigan depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Saginaw, Michigan
Are CD rates in Saginaw, Michigan FDIC insured?
Yes, most established banks in Saginaw, 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 Saginaw, 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 Saginaw, 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 Saginaw, 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 Saginaw, Michigan?
Here are recent top rates found for this area:
- United Financial Credit Union: 5.05% APY (6 month - 4H or FFA CD)
- Lake Huron Credit Union: 4.50% APY (24 Month Certificate of Deposit)
- DOW: 4.50% APY (3 - 60 Month Simple CDs)
- LMCU Lake Michigan Credit Union: 4.15% APY (60 Month IRA/HSA CD - VIP Bonus)
- Wildfire Credit Union: 4.07% APY (60 Month Jumbo Business Certificates)
- Family First Credit Union: 4.00% APY (6 Month Certificates of Deposit)
- Members First Credit Union Midland, MI: 4.00% APY (6 Month Certificates of Deposit)
- Financial Plus Credit Union Flint, MI: 3.95% APY (12 Month Youth CD)
- Independent Bank: 3.76% APY (3-Month CD Special)
- Consumers Professional Credit Union: 3.75% APY (6 Month Certificates & IRA Certificates of Deposit)
Rates reflect recent verified offers available in Saginaw, Michigan. Last Updated: October 13, 2026
Saginaw, Michigan CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Saginaw, Michigan rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Saginaw, Michigan
Saginaw, 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.
Saginaw, Michigan CD LadderMI CD rates currently range from 2.126% (3-month) to 2.936% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Saginaw, Michigan CD at 5.05% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsMichigan’s average 12-month CD is 3.119% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Saginaw, Michigan CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Saginaw, Michigan directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Saginaw, 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: October 13, 2026
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