Sandusky, Michigan CD Rates Today - Compare Best APYs for May 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Sandusky, Michigan CD rates include Team One Credit UnionTeam One Credit Union625 S SANDUSKY RD, SANDUSKY, MI 48471A+5.0 ★Texas Ratio: 5.24%Real return: +0.80%APY minus CPI (February 2026) offering Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit 12 Months at 3.60% APY, Thumb Bank and TrustThumb Bank and Trust520 W Sanilac Rd, Sandusky, MI 48471A+5.0 ★Texas Ratio: 1.21%Real return: -0.78%APY minus CPI (February 2026) offering 1 Year CD at 2.02% APY, Diversified Members Credit UnionDiversified Members Credit UnionA+5.0 ★Texas Ratio: 5.57%Real return: +2.35%APY minus CPI (February 2026) offering Legacy Certificate of Deposit 12 Months at 5.15% APY, United Financial Credit UnionUnited Financial Credit UnionA+5.0 ★Texas Ratio: 3.73%Real return: +2.25%APY minus CPI (February 2026) offering 6 month - 4H or FFA CD at 5.05% APY, and OMNI Community Credit UnionOMNI Community Credit UnionA+5.0 ★Texas Ratio: 3.58%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Youth Special Certificate at 5.00% APY. CD rates as of May 12, 2026 according to verified data from MonitorBankRates.
Sandusky has 21 local institutions in our database, with CD rates as high as 3.60% APY from Team One Credit Union at 625 S SANDUSKY RD, SANDUSKY, MI 48471. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Michigan area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: May 12, 2026
Compare Best CD Rates in Sandusky, Michigan & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
625 S SANDUSKY RD, SANDUSKY, MI 48471
Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit 3 Months
$0
1.00%
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
Business Share Certificates 3 month
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
Share Certificates 3 month
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
Business Share Certificates 3 month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
Share Certificates 3 month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
St Francis X Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
3 Months CD & IRA CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$100,000+ balance
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
90 Day Share Certificate
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Highpoint Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
90 Day (3 Month)
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
St Francis X Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
3 Months CD & IRA CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
90 Day Certificate
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
90 Day Youth Certificate
$100
3.29%
▼
Rate3.25%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3-Month Certificate or IRA-HSA Jumbo
$100,000
3.15%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3-Month Certificate or IRA-HSA
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Month Cert / IRA
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3 Months Term Share Certificates
$0
2.50%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
The Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
3 Month Term Share Certificates
$500
2.50%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Lake-Osceola State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
90 Days CD
$5,000
2.27%
▼
Rate2.25%
Min Deposit$5,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
CD, Traditional IRA CD & Roth IRA CD Accounts 3-Month
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate2.18%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
CD, Traditional IRA CD & Roth IRA CD Accounts 3-Month
$0
2.20%
▼
Rate2.18%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
CD, Traditional IRA CD & Roth IRA CD Accounts 3-Month
$0
2.15%
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
CD, Traditional IRA CD & Roth IRA CD Accounts 3-Month
$0
2.10%
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
CD, Traditional IRA CD & Roth IRA CD Accounts 3-Month
$0
2.05%
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
3 MONTH CERTIFICATE
$3,000
2.02%
▼
Rate—
Min Deposit$3,000
Min Balance—
UpdatedMay 10, 2026
Details
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
3 month Certificate of Deposit
$0
1.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
3 Month Tier 3 Certificate
$0
1.60%
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
3 Month Tier 2 Certificate
$0
1.55%
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
90 Days Share Certificates
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
3 Month Tier 1 Certificate
$0
1.50%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.15%
Share Certificates 3 Months
$0
1.50%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
CD-Certificate of Deposit 3 Months
$250,000
1.45%
▼
Rate1.44%
Min Deposit$250,000
Min Balance—
UpdatedMay 10, 2026
Details
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
CD-Certificate of Deposit 3 Months
$150,000
1.40%
▼
Rate1.39%
Min Deposit$150,000
Min Balance—
UpdatedMay 10, 2026
Details
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
CD-Certificate of Deposit 3 Months
$100,000
1.35%
▼
Rate1.34%
Min Deposit$100,000
Min Balance—
UpdatedMay 10, 2026
Details
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
CD-Certificate of Deposit 3 Months
$500
1.30%
▼
Rate1.29%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Northern Interstate Bank, N. A.
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3 Month CD
$1,000
1.10%
▼
Rate1.10%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Ignite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
3 MONTH CERTIFICATE
$50
1.10%
▼
Rate—
Min Deposit$50
Min Balance—
UpdatedMay 12, 2026
Details
BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
3 Month Certificates
$50
1.10%
▼
Rate1.10%
Min Deposit$50
Min Balance—
UpdatedMay 10, 2026
Details
$50 Minimum Deposit
BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
3 Month Certificate
$50
1.10%
▼
Rate1.10%
Min Deposit$50
Min Balance—
UpdatedMay 10, 2026
Details
$50 Minimum Deposit
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
3 Months Share Certificate
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Traditional & Roth IRAs NOT available
One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
3 Month Certificate of Deposit & Term IRAs
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Bloom Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
3 Months Certificates and IRA Certificates
$500
0.55%
▼
Rate0.55%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
3 Month CD
$500
0.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
Traditional and Roth IRA Share Certificates 3 Month
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
G. W. Jones Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
31 - 90 Days
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
Youth 3 Month Share Certificate Account
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
625 S SANDUSKY RD, SANDUSKY, MI 48471
Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit 6 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Thumb Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
520 W Sanilac Rd, Sandusky, MI 48471
6 Month CD*
$0
1.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
6 month - 4H or FFA CD
$0
5.05%
▼
Rate4.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Max $5,000
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
6 month SmartStart Youth CD
$100
5.00%
▼
Rate4.88%
Min Deposit$100
Min Balance—
UpdatedMay 10, 2026
Details
Available for members under the age of 21; 1 per member
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
6 Month Youth CD
$0
5.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
6 months Share Certificates - 1
$0
4.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
FEATURED RATE
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificates - 1 6 months
$0
4.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
FEATURED RATE
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Youth Certificates 1 6 months
$0
4.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
FEATURED RATE
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Youth Certificates 1 6 months - FEATURED RATE
$0
4.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Limited Time Special!
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
6 Months Certificate of Deposit
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
APY= Annual Percentage Yield. Effective 3/1/26: Annual Percentage Yield for for all CDs and IRA CDs includes a .25% bonus for Meijer Team members, Meijer retirees and current MCU members. Rate is subject to change without notice. Early withdraw penalties may apply, and may reduce earning.
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA Certificate of Deposit 6 Months
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Share Certificate SPECIAL!
$2,500
4.06%
▼
Rate4.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
Quarterly Dividend Transfers, Non-Automatic Renewal, Simple Interest, Paid Quarterly! NEW MONEY ONLY!!!
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
6 Month Certificate of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
6 Month IRA Certificate of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 month Share Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Michigan Columbus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
6 Month CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Youth Certificates 6 months - FEATURED RATE
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
6 Months Certificates
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Wings Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
6-month certificate
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
New money only.
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
180 Day Certificate
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
180 Day Youth Certificate
$100
3.80%
▼
Rate3.75%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
6 MONTH YOUTH CD
$100
3.79%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMay 10, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
6 Month Certificate and IRA Certificates
$500
3.79%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
6 Month Term Share Certificates
$100
3.76%
▼
Rate3.70%
Min Deposit$100
Min Balance—
UpdatedMay 7, 2026
Details
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
6 Month Certificates & IRA Certificates of Deposit
$50,000
3.75%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
6 Month Certificate of Deposit with Direct Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Direct Deposit Required
Community Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
6 Month Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
$1000 minimum deposit
Harborlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
6 Month Certificates of Deposit
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
6 Month CD Special
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
GR Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
6 month Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Maximum deposit of $250,000.00 per member.
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificates 6 months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
FEATURED RATE
Members First Credit Union Midland, MI
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
6 Months Certificates of Deposit and IRA Certificates of Deposit
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.15%
Share Certificates 6 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
6 months Share Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
FEATURED RATE
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
6 months - FEATURED RATE Share Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Bloom Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
Certificates and IRA Certificates 6 Month CD Special
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
6 Month CD
$10,000
3.70%
▼
Rate3.65%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
6 Month IRA CD
$4,000
3.70%
▼
Rate3.65%
Min Deposit$4,000
Min Balance—
UpdatedMay 10, 2026
Details
Bloom Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
6 Month CD Special Certificates and IRA Certificates
$500
3.69%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
Youth Certificates 6 Month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Must be 25 or younger; $2,000 maximum deposit; Deposits: $50 Increments; Up to 10 Youth CD's per youth account; APY will vary depending on the initial certificate deposit amount; There is a penalty for early withdrawal.
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
6 MONTH CERTIFICATE
$3,000
3.65%
▼
Rate—
Min Deposit$3,000
Min Balance—
UpdatedMay 10, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
6 Month CD
$500
3.65%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
6 Month IRA CD
$500
3.65%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
IRA Certificates 6 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Regular Certificates 6 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
6 Month Certificates & IRA Certificates of Deposit
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Diversified Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
6 Month Certificates of Deposit-Regular & IRA
$200
3.60%
▼
Rate3.57%
Min Deposit$200
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
625 S SANDUSKY RD, SANDUSKY, MI 48471
Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit 12 Months
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Thumb Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
520 W Sanilac Rd, Sandusky, MI 48471
1 Year IRA Certificates
$0
2.02%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Thumb Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
520 W Sanilac Rd, Sandusky, MI 48471
1 Year CD
$0
2.02%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Diversified Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
12 Months Legacy CD
$5,000
5.15%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 10, 2026
Details
Diversified Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
Legacy Certificate of Deposit 12 Months
$0
5.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
12 Month Super Kids
$100
5.00%
▼
Rate4.91%
Min Deposit$100
Min Balance—
UpdatedMay 10, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
12 Month Super Kids Certificates of Deposit (CDs)
$100
5.00%
▼
Rate4.91%
Min Deposit$100
Min Balance—
UpdatedMay 10, 2026
Details
Early Withdrawal Penalty: 90 days interest
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
12 Month Youth Special Certificate
$0
5.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Youth Certificates 1 12 months
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificates - 1 12 months
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
People Driven Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1 Year Youth
$0
4.50%
▼
Rate4.43%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
12 months Share Certificates - 1
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
1 YEAR YOUTH CD
$100
4.34%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMay 10, 2026
Details
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
1 YEAR CERTIFICATE
$500
4.08%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Family Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate of Deposit & IRA Certificate 12 Month
$500
4.07%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
12 Month YOUTH Certificate of Deposit
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
12 Month Certificate
$500
4.06%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
12 Month Youth Certificate
$100
4.06%
▼
Rate4.00%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
12 month Certificate of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
12 Month Youth CD Certificates
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
(No minimum)
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
12 Month Youth CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Youth CDs are available for members 18 years and under. Certificate must be opened under youth's name and SSN. The CD must have the same joint member as the savings account it is tied to.
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
NEW MONEY GenGrow 12-month CD
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Michigan Columbus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
12 Month CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
12 Months Certificates
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
1 Year CD
$10,000
3.96%
▼
Rate3.90%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
1 Year IRA CD
$4,000
3.96%
▼
Rate3.90%
Min Deposit$4,000
Min Balance—
UpdatedMay 10, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
12 Month Certificate of Deposit
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
12 Month IRA Certificate of Deposit
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
1 Year CD
$500
3.91%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
1 Year IRA CD
$500
3.91%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
12 Months Certificate of Deposit
$0
3.90%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
APY= Annual Percentage Yield. Effective 3/1/26: Annual Percentage Yield for for all CDs and IRA CDs includes a .25% bonus for Meijer Team members, Meijer retirees and current MCU members. Rate is subject to change without notice. Early withdraw penalties may apply, and may reduce earning.
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA Certificate of Deposit 12 Months
$0
3.90%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Youth(Explorer) CD: 12-month term
$0
3.85%
▼
Rate3.79%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
12 Month Youth Certificate
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
University of Michigan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
12 Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
University of Michigan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
12 Month Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
1 year Jumbo Certificates
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
12 Months Certificate of Deposit
$0
3.77%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Save to Win CD 12 month
$25
3.75%
▼
Rate3.70%
Min Deposit$25
Min Balance—
UpdatedMay 10, 2026
Details
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.29%
IRA 1 Year Term Adjusted Quarterly
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.29%
IRA 1 Year Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.29%
1 Year Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rates may increase .2% when a member qualifies for our loyalty benefits. Ask us for more details.
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
1 Year Certificate and IRA Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Youth Certificates 12 months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Diversified Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
Cap & Gown CD 12 Months
$200
3.75%
▼
Rate3.70%
Min Deposit$200
Min Balance—
UpdatedMay 10, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
12 Month CD
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Members First Credit Union Midland, MI
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
12 Months Certificates of Deposit and IRA Certificates of Deposit
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
625 S SANDUSKY RD, SANDUSKY, MI 48471
Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit 18 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Thumb Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
520 W Sanilac Rd, Sandusky, MI 48471
18 Month IRA Certificates
$0
0.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Thumb Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
520 W Sanilac Rd, Sandusky, MI 48471
18 Month CD
$0
0.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
18-Month Special! Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
At maturity, the CD will be renewed into a 24-month CD.
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
18-Month Special! Certificates of Deposit
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
At maturity, the CD will be renewed into a 24-month CD.
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
18 Month CD
$10,000
3.80%
▼
Rate3.75%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
18 Month IRA CD
$4,000
3.80%
▼
Rate3.75%
Min Deposit$4,000
Min Balance—
UpdatedMay 10, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
18 Month Certificate
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
18 Month Youth Certificate
$100
3.80%
▼
Rate3.75%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
18 Month IRA CD
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
18 month Certificate of Deposit
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
18 Months Regular Business Certificate of Deposit
$2,500
3.75%
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
18 Month CD
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
18 Months Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Dearborn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
18 MONTH VARIABLE RATE IRA
$100
3.67%
▼
Rate3.61%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details
(The interest rate and APY may change after account opening)
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
18 Months Certificate of Deposit
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
18 Month Certificate of Deposit
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
18 Month IRA Certificate of Deposit
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
18 Months Term Certificates
$500
3.64%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
$500 and Above
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
IRA Certificates 18 months
$0
3.64%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$500 and Above
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
1.5 year Share Certificates of Deposit
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
IRA Share Certificates of Deposit 1.5 year
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
18 Month Heroes Cert / IRA
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
18 Month Certificates & IRA Certificates of Deposit
$50,000
3.60%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
18 MONTH CERTIFICATE
$3,000
3.55%
▼
Rate—
Min Deposit$3,000
Min Balance—
UpdatedMay 10, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
18 Month CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
18 MO IRA Certificate
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
18 months Certificates
$0
3.54%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
Certificates 18 months
$0
3.54%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.10%
Share Certificates 18 Months
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
18 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
18 Month CD VIP BONUS
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
18 Month IRA/HSA CD VIP BONUS
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificates 18 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Family First Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.34%
Certificates of Deposit 18 Months
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
18 Month Cert / IRA
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
18 Month Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
18 Month Share Certificate Account
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
Traditional and Roth IRA Share Certificates 18 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
18 Month Certificates & IRA Certificates of Deposit
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
18 Month
$500
3.45%
▼
Rate3.39%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
Special Share Certificates 18 Month
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Journey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
18 Month Share Certificates and IRA Certificates
$500
3.40%
▼
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
18 Month Certificate or IRA-HSA
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
CD Tier I 18 Months
$500
3.35%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
minimum $500
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
CD: Tier II 18 months
$0
3.35%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
minimum $10,000
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
625 S SANDUSKY RD, SANDUSKY, MI 48471
Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit 24 Months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Thumb Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
520 W Sanilac Rd, Sandusky, MI 48471
2 Year IRA Certificates
$0
0.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Thumb Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
520 W Sanilac Rd, Sandusky, MI 48471
2 Year CD
$0
0.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
24 Month Certificate
$0
4.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
24 Month Youth CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Youth CDs are available for members 18 years and under. Certificate must be opened under youth's name and SSN. The CD must have the same joint member as the savings account it is tied to.
Rate3.76%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
Jumbo and Jumbo IRA Certificates 2 Years
$100,000
3.80%
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
$100,000 and Above
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
IRA Certificates 24 months
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
24 Months Certificate of Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
APY= Annual Percentage Yield. Effective 3/1/26: Annual Percentage Yield for for all CDs and IRA CDs includes a .25% bonus for Meijer Team members, Meijer retirees and current MCU members. Rate is subject to change without notice. Early withdraw penalties may apply, and may reduce earning.
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
24 Month IRA CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Certificates may be subject to penalty for early withdrawal.
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
24 Month Share Certificates and IRA Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA Certificate of Deposit 24 Months
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Youth Certificates 24 months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
24 Months Regular Business Certificate of Deposit
$2,500
3.75%
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
IRA Certificates 2 Years
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$500 and Above
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
2 Years Term Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
$500 and Above
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
24 Months Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
Youth 24 Month CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Certificates may be subject to penalty for early withdrawal.
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
24 months Certificate
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Soo-Co-Op Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
24 Month Term Certificates Compounding
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Soo-Co-Op Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
24 Month Term Certificates Non Compounding
$0
3.65%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Extra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
24 Months Fixed-Rate Certificates
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal. Contact your personal attorney or tax advisor for advice on your personal situation. For accounts that automatically renew for another term, you have a grace period of ten (10) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
IRA Certificates 24 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
2-Year Certificate or IRA-HSA Jumbo
$100,000
3.60%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
2 Year IRA CD
$4,000
3.60%
▼
Rate3.55%
Min Deposit$4,000
Min Balance—
UpdatedMay 10, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
IRA & SHARE CERTIFICATES 2 YEAR
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
2 Year CD
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
24 Months Timed Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
24 Months Certificate of Deposit
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
2 year I.R.A Certificates
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
2 Year IRA CD
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
24 month Certificate of Deposit
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
2 Year CD
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
24 MONTH CERTIFICATE
$3,000
3.55%
▼
Rate—
Min Deposit$3,000
Min Balance—
UpdatedMay 10, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
24 MONTH CD
$50,000
3.55%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
24 Month Certificates & IRA Certificates of Deposit
$50,000
3.55%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
24 Month Certificate of Deposit with Direct Deposit
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Direct Deposit Required
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
24 Month IRA Certificate of Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
24 Month Certificate of Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
IRA Certificates 24 Month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Early Withdrawal Penalty: 180 days interest
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
Traditional and Roth IRA Share Certificates 24 Month
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
24 Month Certificates of Deposit (CDs)
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Early Withdrawal Penalty: 180 days interest
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
24 Month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
24 Month Share Certificate Account
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Isabella Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
24 months Certificates of Deposit & IRA Certificates
$10,000
3.50%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificates 24 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
24 Month IRA/HSA CD VIP BONUS
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
24 Month CD VIP BONUS
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Members First Credit Union Midland, MI
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
24 Months Certificates of Deposit and IRA Certificates of Deposit
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
625 S SANDUSKY RD, SANDUSKY, MI 48471
Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit 36 Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Thumb Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
520 W Sanilac Rd, Sandusky, MI 48471
3 Year IRA Certificates
$0
0.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Thumb Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
520 W Sanilac Rd, Sandusky, MI 48471
3 Year CD
$0
0.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
36 Month Youth CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Youth CDs are available for members 18 years and under. Certificate must be opened under youth's name and SSN. The CD must have the same joint member as the savings account it is tied to.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
Jumbo and Jumbo IRA Certificates 3 Years
$100,000
3.89%
▼
Rate3.83%
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
$100,000 and Above
Rate3.82%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
IRA Certificates 36 months
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
3 Years Term Certificates
$500
3.83%
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
$500 and Above
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
IRA Certificates 3 Years
$0
3.83%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$500 and Above
Extra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
36 Months Fixed-Rate Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal. Contact your personal attorney or tax advisor for advice on your personal situation. For accounts that automatically renew for another term, you have a grace period of ten (10) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
IRA Certificates 36 Month
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Early Withdrawal Penalty: 180 days interest
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
36 Month Share Certificates and IRA Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
36 Months Regular Business Certificate of Deposit
$2,500
3.75%
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
36 Month Certificates of Deposit (CDs)
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Early Withdrawal Penalty: 180 days interest
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
36 Month
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
36 months Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
36 Months Certificates
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3-Year Certificate or IRA-HSA Jumbo
$100,000
3.65%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
IRA & SHARE CERTIFICATES 3 YEAR
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
IRA Certificates 36 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
36 Months Timed Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
36 MONTH CD
$50,000
3.60%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
36 Months Certificate of Deposit
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
3 year I.R.A Certificates
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
36 MONTH CERT-MTHLY
$500
3.56%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
36 MONTH CERTIFICATE
$3,000
3.55%
▼
Rate—
Min Deposit$3,000
Min Balance—
UpdatedMay 10, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
CD: Tier V 36 months
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
minimum $250,000
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
36 Month Certificate of Deposit with Direct Deposit
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Direct Deposit Required
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
36 month Certificate of Deposit
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Settlers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
36 Month Share Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
IRA Share Certificates of Deposit 3 year
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
3 year Share Certificates of Deposit
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
36 MONTH CERT
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
36 Month Certificates & IRA Certificates of Deposit
$50,000
3.55%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificates 36 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA Certificate of Deposit 36 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
CD: Tier IV 36 months
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
minimum $100,000
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
CD: Tier III 36 months
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
minimum $50,000
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
36 Months Certificate of Deposit
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
APY= Annual Percentage Yield. Effective 3/1/26: Annual Percentage Yield for for all CDs and IRA CDs includes a .25% bonus for Meijer Team members, Meijer retirees and current MCU members. Rate is subject to change without notice. Early withdraw penalties may apply, and may reduce earning.
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
CD: Tier II 36 months
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
minimum $10,000
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
CD Tier I 36 Months
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
minimum $500
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
36 MONTH CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
36 Month IRA/HSA CD VIP BONUS
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
36 Month CD VIP BONUS
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Members First Credit Union Midland, MI
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
36 Months Certificates of Deposit and IRA Certificates of Deposit
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
36 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3-Year Certificate or IRA-HSA
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.76%
36 MO GOLDEN CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Isabella Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
36 months Certificates of Deposit & IRA Certificates
$10,000
3.50%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
625 S SANDUSKY RD, SANDUSKY, MI 48471
Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit 48 Months
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Thumb Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
520 W Sanilac Rd, Sandusky, MI 48471
4 Year CD
$0
0.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Thumb Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
520 W Sanilac Rd, Sandusky, MI 48471
4 Year IRA Certificates
$0
0.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
4-Year Certificate or IRA-HSA
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
4-Year Certificate or IRA-HSA Jumbo
$100,000
4.00%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
Jumbo and Jumbo IRA Certificates 4 Years
$100,000
3.96%
▼
Rate3.90%
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
$100,000 and Above
Rate3.86%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
4 Years Term Certificates
$500
3.91%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
$500 and Above
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
IRA Certificates 4 Years
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$500 and Above
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
48 Months Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
IRA Certificates 48 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
48 Month Share Certificates and IRA Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
IRA & SHARE CERTIFICATES 4 YEAR
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
CD: Tier V 48 months
$0
3.70%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
minimum $250,000
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
48 Months Timed Certificate
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
CD: Tier III 48 months
$0
3.65%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
minimum $50,000
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
CD: Tier IV 48 months
$0
3.65%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
minimum $100,000
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
CD: Tier II 48 months
$0
3.65%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
minimum $10,000
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
48 MONTH CD
$50,000
3.65%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
CD Tier I 48 Months
$500
3.65%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
minimum $500
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
4 year Share Certificates of Deposit
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
IRA Share Certificates of Deposit 4 year
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
48 Month Certificate of Deposit with Direct Deposit
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Direct Deposit Required
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
IRA Certificates 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Regular Certificates 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
48 Month Certificates & IRA Certificates of Deposit
$50,000
3.60%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
48 Months Certificate of Deposit
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
4 year I.R.A Certificates
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
48 Month CD VIP BONUS
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
48 MONTH CERTIFICATE
$3,000
3.55%
▼
Rate—
Min Deposit$3,000
Min Balance—
UpdatedMay 10, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
48 Month IRA/HSA CD VIP BONUS
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.76%
48 MO GOLDEN CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
48 MONTH CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Isabella Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
48 months Certificates of Deposit & IRA Certificates
$10,000
3.55%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.76%
48 MO GOLDEN CD Certificate
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
48 month Certificate of Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA Certificate of Deposit 48 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
IRA Certificates 48 Month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Early Withdrawal Penalty: 180 days interest
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
48 Months Certificate of Deposit
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
APY= Annual Percentage Yield. Effective 3/1/26: Annual Percentage Yield for for all CDs and IRA CDs includes a .25% bonus for Meijer Team members, Meijer retirees and current MCU members. Rate is subject to change without notice. Early withdraw penalties may apply, and may reduce earning.
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
48 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
48 Month Certificates of Deposit (CDs)
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Early Withdrawal Penalty: 180 days interest
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
48 Month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificates 48 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Members First Credit Union Midland, MI
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
48 Months Certificates of Deposit and IRA Certificates of Deposit
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
48 Month Certificates & IRA Certificates of Deposit
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.10%
Share Certificates 4 Year
$500
3.40%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
$500 Minimum Balance
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
$500 Minimum Balance
Journey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
48 Month Share Certificates and IRA Certificates
$500
3.40%
▼
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
625 S SANDUSKY RD, SANDUSKY, MI 48471
Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit 60 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Thumb Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
520 W Sanilac Rd, Sandusky, MI 48471
5 Year IRA Certificates
$0
2.02%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Thumb Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
520 W Sanilac Rd, Sandusky, MI 48471
5 Year CD
$0
2.02%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
Jumbo and Jumbo IRA Certificates 5 Years
$100,000
4.11%
▼
Rate4.05%
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
$100,000 and Above
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
5 Years Term Certificates
$500
4.06%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
$500 and Above
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
IRA Certificates 5 Years
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$500 and Above
Extra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
60 Months Fixed-Rate Certificates
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal. Contact your personal attorney or tax advisor for advice on your personal situation. For accounts that automatically renew for another term, you have a grace period of ten (10) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
60 Month CD
$0
3.85%
▼
Rate3.79%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
IRA Certificates 60 Month
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
5-Year Certificate or IRA-HSA Jumbo
$100,000
3.80%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
CD: Tier III 60 months
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
minimum $50,000
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
60 Month Share Certificates and IRA Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
CD: Tier V 60 months
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
minimum $250,000
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
CD: Tier IV 60 months
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
minimum $100,000
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
CD: Tier II 60 months
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
minimum $10,000
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
CD Tier I 60 Months
$500
3.75%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
minimum $500
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
IRA & SHARE CERTIFICATES 5 YEAR
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
60 Months Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
60 Months Timed Certificate
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
IRA Certificates 60 Month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Regular Certificates 60 Month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
60 Month Certificate of Deposit with Direct Deposit
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Direct Deposit Required
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
60 month Share Certificates
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
60 MONTH CD
$50,000
3.65%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
5-Year Certificate or IRA-HSA
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
IRA Share Certificates of Deposit 5 year
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
5 year Share Certificates of Deposit
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
60 Month Certificates & IRA Certificates of Deposit
$50,000
3.65%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
1.5 year Share Certificates of Deposit
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Isabella Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
60 months Certificates of Deposit & IRA Certificates
$10,000
3.60%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
IRA Share Certificates of Deposit 1.5 year
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
60 Month CD VIP BONUS
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
60 Month IRA/HSA CD VIP BONUS
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
5 year I.R.A Certificates
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
60 Months Certificate of Deposit
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Members First Credit Union Midland, MI
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
60 Months Certificates of Deposit and IRA Certificates of Deposit
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
60 MONTH CERTIFICATE
$3,000
3.55%
▼
Rate—
Min Deposit$3,000
Min Balance—
UpdatedMay 10, 2026
Details
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.76%
60 MO GOLDEN CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
60 MONTH CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.76%
60 MO GOLDEN CD Certificate
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
60 Month Certificates & IRA Certificates of Deposit
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
60 Month Certificates
$0
3.54%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
IRA Certificates 60 Month
$0
3.54%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Dearborn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
5 YEARS Certificates of Deposit
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA Certificate of Deposit 60 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
IRA Certificates 60 Month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Early Withdrawal Penalty: 180 days interest
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
60 Months Certificate of Deposit
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
APY= Annual Percentage Yield. Effective 3/1/26: Annual Percentage Yield for for all CDs and IRA CDs includes a .25% bonus for Meijer Team members, Meijer retirees and current MCU members. Rate is subject to change without notice. Early withdraw penalties may apply, and may reduce earning.
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Key Takeaways
What to know about CD rates in Sandusky, Michigan at a glance.
- APY tells you the real return. Annual Percentage Yield includes the effect of compounding, while a nominal interest rate doesn't — always compare CDs by APY, not the headline rate.
- The highest CD APY currently available to Sandusky depositors is 3.60% APY from Team One Credit Union. The rate table above ranks every offer we track for this market, sorted by APY.
- Credit unions often post the highest APYs. Their not-for-profit structure and lower overhead let them pass more yield through to depositors than traditional banks, so it's worth comparing offers from both when shopping for the best rate.
- CDs are insured up to $250,000 per depositor, per institution, per ownership category — by the FDIC for banks, the NCUA for credit unions. Watch for early-withdrawal penalties, which typically run 30 to 180 days of interest depending on the term, so only commit funds you won't need before maturity.
Sandusky, MI CD Rate Trends
Compare local Sandusky, MI CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — MI Avg
2.846%
▼ 0.008 vs 7 days ago
Michigan 12-month CD rates fell 0.008 points over the past 7 days to 2.846% APY.
6-Month CD — MI Avg
2.781%
▼ 0.051 vs 7 days ago
Michigan 6-month CD rates fell 0.051 points over the past 7 days to 2.781% APY.
As of May 14, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
MI CD Rate Forecast — Next 12 Months
Where are Michigan CD rates headed through May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MI 12-Month Avg APY
2.846%
6-Month Forecast
2.846%
Range: 2.65% – 3.00%
12-Month Forecast
2.596%
Range: 2.40% – 2.75%
Powered by
MonitorBankRates
What Your Savings Earn at MI CD Rates Today
Annual interest earnings at today’s Michigan average APYs. State average used where available; national average as fallback.
| CD Term | MI Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.134% | $106.68 | $213.35 | $533.38 | $1,066.75 |
| 6-Month CD | 2.781% | $139.04 | $278.08 | $695.20 | $1,390.40 |
| 12-Month CD | 2.846% | $142.29 | $284.57 | $711.43 | $1,422.85 |
| 18-Month CD | 2.746% | $137.32 | $274.63 | $686.58 | $1,373.15 |
| 24-Month CD | 2.762% | $138.09 | $276.17 | $690.43 | $1,380.85 |
| 36-Month CD | 2.759% | $137.93 | $275.86 | $689.65 | $1,379.30 |
| 48-Month CD | 2.832% | $141.58 | $283.16 | $707.90 | $1,415.80 |
| 60-Month CD | 2.962% | $148.10 | $296.19 | $740.48 | $1,480.95 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 12, 2026. | |||||
Sample CD Ladder for Sandusky, 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 | 2.134% | $106.68 |
| 2 | 6-Month CD | $5,000 | 2.781% | $139.04 |
| 3 | 12-Month CD | $5,000 | 2.846% | $142.29 |
| 4 | 24-Month CD | $5,000 | 2.762% | $138.09 |
| 5 | 36-Month CD | $5,000 | 2.759% | $137.93 |
| Total ($25,000 invested) | $25,000 | 2.656% blended | $664.03/yr | |
Ladder example uses equal $5,000 rungs and Michigan average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,153
CD Rates
Tracked in Sandusky, Michigan
Tracked in Sandusky, Michigan
14 Banks
107 Credit Unions
About Our Sandusky, Michigan CD Rate Database
MonitorBankRates tracks 1,153 CD rates from 14 banks and 107 credit unions with locations in Sandusky, Michigan, plus national online institutions available to Michigan residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Team One Credit Union offers a CD at 3.60% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Sandusky, Michigan.
How to Find the Best CD Rates in Sandusky, Michigan
What to compare when shopping for a CD in Sandusky, Michigan
To find the best APYs in Sandusky, Michigan, start with credit unions and online-only banks — Sandusky, Michigan has 107 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 Sandusky, 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 Sandusky, Michigan — 121 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Sandusky, Michigan savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Sandusky, Michigan money market rates
Sandusky, Michigan Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
19.7%
National avg: 17.3%
Median Individual Earnings
$33,723
National avg: $47,340
Poverty Rate
16.1%
National avg: 11.1%
Unemployment Rate
5.0%
National avg: 4.8%
CD Earnings on 10% of Salary
$96/yr
At MI 12-mo avg 2.846% APY
19.7% of residents are 65 or older, in line with the national average of 17.3%. At today’s MI 12-month CD average of 2.846%, saving 10% of the local median salary ($3,372/year) and putting it in a CD would earn an additional $96 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 Sandusky, Michigan
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Sandusky, Michigan
Are CD rates in Sandusky, Michigan FDIC insured?
Yes, most established banks in Sandusky, 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 Sandusky, 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 Sandusky, 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 Sandusky, 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 Sandusky, Michigan?
Here are recent top rates found for this area:
- Team One Credit Union: 3.60% APY (Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit 12 Months)
- Thumb Bank and Trust: 2.02% APY (1 Year CD)
- Diversified Members Credit Union: 5.15% APY (Legacy Certificate of Deposit 12 Months)
- United Financial Credit Union: 5.05% APY (6 month - 4H or FFA CD)
- OMNI Community Credit Union: 5.00% APY (12 Month Youth Special Certificate)
- Best Financial Credit Union: 5.00% APY (12 Month Super Kids)
- Service 1 Federal Credit Union: 4.75% APY (6 months Share Certificates - 1)
- People Driven Credit Union: 4.50% APY (1 Year Youth)
- Wolverine State Credit Union: 4.34% APY (1 YEAR YOUTH CD)
- PORT CITY: 4.25% APY (6 Months Certificate)
Rates reflect recent verified offers available in Sandusky, Michigan. Last Updated: May 12, 2026
CD Calculators for Sandusky, Michigan
Sandusky, Michigan CD Calculator
At today’s MI top rate of 3.60% APY, a $10,000 deposit earns $360 in the first year. Enter your amount to see your exact return.
Sandusky, Michigan CD LadderMI CD rates currently range from 2.134% (3-month) to 2.759% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Sandusky, Michigan CD at 3.60% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsMichigan’s average 12-month CD is 2.846% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Sandusky, Michigan directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Sandusky, 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: May 12, 2026
Rate Assistant
MonitorBankRates.com · Live Data
Try asking