CD Rates Troy, Michigan (MI) for April 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.
Current Troy, Michigan CD rates include Polish American Federal Credit UnionPolish American Federal Credit Union2889 E Maple Rd, Troy, MI 48083A5.0 ★Texas Ratio: 10.29% offering Certificates 1 Year at 3.75% APY, Chief Financial Federal Credit UnionChief Financial Federal Credit Union751 E Big Beaver Road, Troy, MI 48083A+5.0 ★Texas Ratio: 3.48% offering Special Share Certificates 12 Month at 3.65% APY, LMCU Lake Michigan Credit UnionLMCU Lake Michigan Credit Union734 W Long Lake Rd, Troy, MI 48098A+5.0 ★Texas Ratio: 2.47% offering 60 Month CD at 3.35% APY, Genisys Credit UnionGenisys Credit Union1960 E Big Beaver Rd, Troy, MI 48083 2021A+5.0 ★Texas Ratio: 5.03% offering Jumbo and Jumbo IRA Certificates 1 Year at 3.30% APY, and Farmers & Merchants State Bank Archbold, OHFarmers & Merchants State Bank Archbold, OH3001 W Big Beaver Rd, Troy, MI 48084A5.0 ★Texas Ratio: 6.88% offering 12 Month Fixed IRA at 3.20% APY. CD rates as of April 3, 2026 according to verified data from MonitorBankRates.
To help you find the best CD rates in Troy, Michigan, and the surrounding area,, use our comprehensive rate tables for side-by-side comparisons across all 8 CD terms from local and national banks and credit unions, to ensure you find the best CD rates available.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 3, 2026
Compare Best CD Rates in Troy, Michigan & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
751 E Big Beaver Road, Troy, MI 48083
IRA 3 Month Term Share Certificates
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Community Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
30 E Long Lake Rd, Troy, MI 48085 4712
3-Month Certificate
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.43%
5600 Beechtree Ln SE, Caledonia, MI 49316 9587
3-Month Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
No minimum deposit.
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
3355 University Dr, Auburn Hills, MI 48326
3-Month HYC Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
High-Yield Rewards Checking Account required
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
400 Town Center Dr, Dearborn, MI 48126
3 month Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
241 E Saginaw St, East Lansing, MI 48823
3 Month CD
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
4635 44th St SE, Grand Rapids, MI 49512
90 Day Share Certificate
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1100 S Bagley St, Alpena, MI 49707 8104
90 Day Certificate
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Bank of Ann Arbor
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
101 E Grand River Ave, Howell, MI 48843
3 Month Retail CD
$1,000
3.25%
▼
Rate3.22%
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details
A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates effective as of 03/23/2026 - 03/29/2026.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3777 West Rd, East Lansing, MI 48823 8029
3-Month Certificate or IRA-HSA Jumbo
$100,000
3.15%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 3, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
S216 Menominee St, Stephenson, MI 49887
3 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.05%
▼
Rate3.02%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Relationship
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
3558 Sterns Rd, Lambertville, MI 48144
3 Month Certificate
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
6246 Chase Rd, Dearborn, MI 48126
3 Month Cert / IRA
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
The Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
39139 Mound Rd, Sterling Heights, MI 48310 2737
3 Month Term Share Certificates
$500
2.50%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
2303 S Center Rd, Burton, MI 48519 1147
CD, Traditional IRA CD & Roth IRA CD Accounts 3 Month
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
615 W Maple Ave, Adrian, MI 49221 1630
3 MONTH CERTIFICATE
$3,000
2.02%
▼
Rate—
Min Deposit$3,000
Min Balance—
UpdatedApr 3, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
715 Terrace St, Muskegon, MI 49440
IRA/HSA Certificate of Deposit 3 month
$0
1.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
4550 Division St, Trenton, MI 48183
3 Month Certificate Tier 3
$0
1.60%
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
958 W Monroe St, Jackson, MI 49202 2036
3 Month CD Gold
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
201 E M 55, Tawas City, MI 48763
Jumbo Certificates 3 Month
$20,000
1.31%
▼
Rate1.30%
Min Deposit$20,000
Min Balance—
UpdatedApr 3, 2026
Details
Advia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
500 10th St, Port Huron, MI 48060
Regular CD 3-Month
$0
1.30%
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Northern Interstate Bank, N. A.
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
501 W Us Highway 2, Norway, MI 49870
3 Month CD
$1,000
1.10%
▼
Rate1.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details
One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
630 Howard St, Detroit, MI 48226
3 Month Certificate of Deposit & Term IRAs
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
1319 Front Ave NW, Grand Rapids, MI 49504
3 Month CD
$500
0.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
6180 State St, Saginaw, MI 48603
Youth 3 Month Share Certificate Account
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Lake Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
801 River St, Ontonagon, MI 49953 1620
3 Month Certificate of Deposit
$0
0.15%
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
751 E Big Beaver Road, Troy, MI 48083
Special Share Certificates 6 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
5600 Crooks Rd Ste 101, Troy, MI 48098 2803
Share Certificate 6 Month
$0
2.00%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Valley Credit Union Salem, OR
Institution Rating:
B4.4 ★Texas Ratio: 21.74%
5600 Crooks Rd, Troy, MI 48098
6 Month Share and IRA Certificate
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
6693 Rochester Rd, Troy, MI 48085
6 Month Term Share Account
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Community Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
30 E Long Lake Rd, Troy, MI 48085 4712
6-Month Certificate
$0
0.15%
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
6310 Dixie Hwy, Bridgeport, MI 48722
6 month - 4H or FFA CD
$0
5.05%
▼
Rate4.93%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Amount of 4H or FFA Check; Max $5,000
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
6-Month CD
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
715 Terrace St, Muskegon, MI 49440
IRA/HSA Certificate of Deposit 6 month
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
3355 University Dr, Auburn Hills, MI 48326
6-Month HYC Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
High-Yield Rewards Checking Account required
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
241 E Saginaw St, East Lansing, MI 48823
6 Month CD
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1100 S Bagley St, Alpena, MI 49707 8104
180 Day Certificate
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
11756 Charest St, Hamtramck, MI 48212
6 Month Certificate and IRA Certificates
$500
3.79%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
507 E Main St, Niles, MI 49120 2617
6 Month Term Share Certificates
$100
3.76%
▼
Rate3.70%
Min Deposit$100
Min Balance—
UpdatedApr 3, 2026
Details
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
2900 W South Airport Rd, Traverse City, MI 49684 4611
6 Month CD
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
$500 Minimum; Direct Deposit
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
576 E Lincoln St, Birmingham, MI 48009 1757
6 Month CD
$10,000
3.70%
▼
Rate3.65%
Min Deposit$10,000
Min Balance—
UpdatedApr 3, 2026
Details
Bloom Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
1414 Burton St SW, Wyoming, MI 49509
6 Month CD Special Certificates and IRA Certificates
$500
3.69%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3777 West Rd, East Lansing, MI 48823 8029
6-Month Certificate or IRA-HSA Jumbo
$100,000
3.65%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 3, 2026
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
20252 Ecorse Rd, Taylor, MI 48180
Jumbo Certificates 6 month
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
The Dart Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.95%
368 S Park St, Mason, MI 48854
6 Month CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Limited time offer and is subject to change without notice, $500 Minimum deposit to open CD Special. After maturity if you choose to roll over your CD, it will renew to the same term and the then-current interest rate (rate at time of maturity). A penalty will be imposed for early withdrawal. Fees will reduce earnings.; Online opening available only to residents in Michigan.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Toyota Technical Center, Saline, MI 48176
6-Month Share Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 3, 2026
Details
$100,000 Minimum to Earn APY
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
201 E M 55, Tawas City, MI 48763
Jumbo Certificates 6 Month
$50,000
3.44%
▼
Rate3.40%
Min Deposit$50,000
Min Balance—
UpdatedApr 3, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
2665 Reserve Rd, Houghton Lake, MI 48629
6 MONTH CD
$500
3.40%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Arbor Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.24%
1551 S 9TH ST, KALAMAZOO, MI 49009 9404
6 Month Certificate
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
1381 N Bagley St, Alpena, MI 49707 8101
6 MONTH CERTIFICATE
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Farm Bureau Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
7373 W Saginaw Hwy, Lansing, MI 48917 1124
6 MONTH CERTIFICATE
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Bank of Ann Arbor
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
101 E Grand River Ave, Howell, MI 48843
6 Month Retail CD
$1,000
3.20%
▼
Rate3.17%
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details
A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates effective as of 03/23/2026 - 03/29/2026.
Filer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
1117 28th St, Manistee, MI 49660
6 MONTH MIN $ 1,000 Certificate
$0
3.09%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
3558 Sterns Rd, Lambertville, MI 48144
6 Month Certificate
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
65 W LAKETON AVE, MUSKEGON, MI 49441
IRA & SHARE CERTIFICATES 6 MONTH
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
6246 Chase Rd, Dearborn, MI 48126
6 Month Cert / IRA
$0
3.00%
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
University of Michigan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
340 E Huron St, Ann Arbor, MI 48104
6 Month Certificate
$0
2.84%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
2303 S Center Rd, Burton, MI 48519 1147
CD, Traditional IRA CD & Roth IRA CD Accounts 6 Month
$0
2.80%
▼
Rate2.77%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
6230 Orchard Lake Rd, West Bloomfield, MI 48322
Jumbo Certificates 6 Month
$0
2.77%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
The Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
39139 Mound Rd, Sterling Heights, MI 48310 2737
6 Month Term Share Certificates
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Iron Mountain Kingsford Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
400 S Carpenter Ave, Kingsford, MI 49802 4527
6 Month Certificate
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.10%
718 E Michigan Ave, Jackson, MI 49201
IRA 180 day
$50
2.50%
▼
Rate2.48%
Min Deposit$50
Min Balance—
UpdatedApr 3, 2026
Details
One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
630 Howard St, Detroit, MI 48226
6 Month Certificate of Deposit & Term IRAs
$500
2.32%
▼
Rate2.30%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
FNB of Wakefield
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
401 Sunday Lake St, Wakefield, MI 49968
6 mo Certificates of Deposit
$500
2.30%
▼
Rate2.30%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Settlers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
14623 State Highway M28 E, Bruce Crossing, MI 49912 9296
6 Month Share Certificates
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Gogebic Range Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.26%
207 Cedar Street, Ewen, MI 49925
6 Month CD
$500
2.26%
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
4550 Division St, Trenton, MI 48183
6 Month Certificate Tier 3
$0
2.10%
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Family Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
4075 W Polk Rd, Hart, MI 49420 8177
Certificate of Deposit & IRA Certificate 6 Month
$500
2.02%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
526 WATER ST RM 113, PORT HURON, MI 48060 5463
6 Month Certificate
$500
1.72%
▼
Rate1.70%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
$500 minimum
Marshall Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
839 W Green St, Marshall, MI 49068
CD Special 6 Month
$1,000
1.65%
▼
Rate1.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details
No IRA
Compass Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
485 S State St, Sparta, MI 49345 1549
6-Month Share Certificate
$500
1.61%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
958 W Monroe St, Jackson, MI 49202 2036
6 Month CD Gold
$0
1.56%
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Thumb Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
7254 Michigan Ave, Pigeon, MI 48755
6 Month CD*
$0
1.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Advia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
500 10th St, Port Huron, MI 48060
Regular CD 6-Month
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Northern Interstate Bank, N. A.
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
501 W Us Highway 2, Norway, MI 49870
6 Month CD
$1,000
1.31%
▼
Rate1.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details
Detour Drummond Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
34857 S Townline Rd, Drummond Island, MI 49726 9486
6 month Certificate of Deposit
$0
1.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.29%
2889 E Maple Rd, Troy, MI 48083
Certificates 1 Year
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Rates may increase .2% when a member qualifies for our loyalty benefits. Ask us for more details.
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
751 E Big Beaver Road, Troy, MI 48083
Special Share Certificates 12 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1960 E Big Beaver Rd, Troy, MI 48083 2021
Jumbo and Jumbo IRA Certificates 1 Year
$100,000
3.30%
▼
Rate3.26%
Min Deposit$100,000
Min Balance—
UpdatedApr 3, 2026
Details
$100,000 and Above
Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
3001 W Big Beaver Rd, Troy, MI 48084
12 Month Fixed IRA
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
5600 Crooks Rd Ste 101, Troy, MI 48098 2803
Share Certificate 12 Month
$0
2.25%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Valley Credit Union Salem, OR
Institution Rating:
B4.4 ★Texas Ratio: 21.74%
5600 Crooks Rd, Troy, MI 48098
1 Year Share and IRA Certificate
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
6693 Rochester Rd, Troy, MI 48085
12 Month Term Share Account
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Community Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
30 E Long Lake Rd, Troy, MI 48085 4712
1-Year Certificate
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
12 Month Super Kids Certificates of Deposit (CDs)
$100
5.00%
▼
Rate4.91%
Min Deposit$100
Min Balance—
UpdatedApr 3, 2026
Details
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
1381 N Bagley St, Alpena, MI 49707 8101
1 YEAR YOUTH CD
$100
4.34%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 3, 2026
Details
Family Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
4075 W Polk Rd, Hart, MI 49420 8177
Certificate of Deposit & IRA Certificate Jumbo 12 Month
$25,000
4.18%
▼
Rate4.10%
Min Deposit$25,000
Min Balance—
UpdatedApr 3, 2026
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
12 Month YOUTH Certificate of Deposit
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
65 W LAKETON AVE, MUSKEGON, MI 49441
IRA & SHARE CERTIFICATES 1 YEAR
$0
4.01%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Catholic Vantage Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
36111 5 MILE RD, LIVONIA, MI 48154 1963
12 Month Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
576 E Lincoln St, Birmingham, MI 48009 1757
1 Year CD
$10,000
3.96%
▼
Rate3.90%
Min Deposit$10,000
Min Balance—
UpdatedApr 3, 2026
Details
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
241 E Saginaw St, East Lansing, MI 48823
12 Month CD
$0
3.95%
▼
Rate3.89%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
12-Month CD
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
First State Bank (MI)
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
16100 E 9 Mile Rd, Eastpointe, MI 48021
Jumbo CDs 1 Year
$0
3.86%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3089 44th St SW, Grandville, MI 49418 2501
Youth(Explorer) CD: 12-month term
$0
3.85%
▼
Rate3.79%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
University of Michigan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
340 E Huron St, Ann Arbor, MI 48104
12 Month Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
20252 Ecorse Rd, Taylor, MI 48180
1 year Jumbo Certificates
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
S216 Menominee St, Stephenson, MI 49887
12 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Relationship
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
2900 W South Airport Rd, Traverse City, MI 49684 4611
12 Month CD
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
$500 Minimum; Direct Deposit
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
34901 Woodward Ave, Birmingham, MI 48009
Agility 12-month CD
$1,000
3.66%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
4550 STATE ST, SAGINAW, MI 48603
12 Month Share Certificates and IRA Share Certificates
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
3558 Sterns Rd, Lambertville, MI 48144
12 Month Certificate
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Soo-Co-Op Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
4489 I 75 Business Spur, Sault Sainte Marie, MI 49783
Term Certificates Non Compounding 12 Month
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
507 E Main St, Niles, MI 49120 2617
12 Month Term Share Certificates
$100
3.51%
▼
Rate3.45%
Min Deposit$100
Min Balance—
UpdatedApr 3, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
6180 State St, Saginaw, MI 48603
Youth 12 Month Share Certificate Account
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.10%
718 E Michigan Ave, Jackson, MI 49201
IRA 1 Year
$50
3.45%
▼
Rate3.41%
Min Deposit$50
Min Balance—
UpdatedApr 3, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
12 Month IRA Certificates
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
2665 Reserve Rd, Houghton Lake, MI 48629
12 MONTH CD
$500
3.40%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
6246 Chase Rd, Dearborn, MI 48126
12 Month Heroes Cert / IRA
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Aeroquip Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
6000 28th St SE, Grand Rapids, MI 49546
Certificates of Deposit 1 Year
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Farm Bureau Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
7373 W Saginaw Hwy, Lansing, MI 48917 1124
12 MONTH CERTIFICATE
$500
3.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
4635 44th St SE, Grand Rapids, MI 49512
12 Month Share Certificate
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Bank of Ann Arbor
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
101 E Grand River Ave, Howell, MI 48843
12 Month Retail CD
$1,000
3.00%
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details
A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates effective as of 03/23/2026 - 03/29/2026.
Filer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
1117 28th St, Manistee, MI 49660
12 MONTH MIN $ 1,000 Certificate
$0
2.99%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
2303 S Center Rd, Burton, MI 48519 1147
CD, Traditional IRA CD & Roth IRA CD Accounts 12 Month
$0
2.85%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Settlers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
14623 State Highway M28 E, Bruce Crossing, MI 49912 9296
12 Month Share Certificates
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
FNB of Wakefield
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
401 Sunday Lake St, Wakefield, MI 49968
12 mo Certificates of Deposit
$500
2.77%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Kenowa Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
1905 28th Street St SW, Wyoming, MI 49519 2507
12 MO CERTIFICATE
$500
2.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
9048 HOLLY RD, GRAND BLANC, MI 48439
Jumbo Term Share Certificates 1 Year
$0
2.70%
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
630 Howard St, Detroit, MI 48226
12 Month Certificate of Deposit & Term IRAs
$500
2.53%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
4550 Division St, Trenton, MI 48183
1 Year Certificate Tier 3
$0
2.35%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Iron Mountain Kingsford Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
400 S Carpenter Ave, Kingsford, MI 49802 4527
12 Month Certificate
$0
2.26%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
115 Riverside Dr, Battle Creek, MI 49015
12 Month Certificate
$50
2.17%
▼
Rate2.15%
Min Deposit$50
Min Balance—
UpdatedApr 3, 2026
Details
$50 Minimum Deposit
The Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
39139 Mound Rd, Sterling Heights, MI 48310 2737
12 Month Save to Win Term Share Certificates
$25
2.05%
▼
Rate2.03%
Min Deposit$25
Min Balance—
UpdatedApr 3, 2026
Details
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
958 W Monroe St, Jackson, MI 49202 2036
1 Year CD Gold
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Flagship Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
3910 Lapeer Rd, Port Huron, MI 48060 2402
12 Month CD
$500
1.95%
▼
Rate1.95%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
751 E Big Beaver Road, Troy, MI 48083
Special Share Certificates 18 Month
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
734 W Long Lake Rd, Troy, MI 48098
18 Month CD
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
6693 Rochester Rd, Troy, MI 48085
18 Month Term Share Account
$0
1.10%
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
37570 S Gratiot Ave, Clinton Township, MI 48036
18-Month Special! Certificates of Deposit
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
At maturity, the CD will be renewed into a 24-month CD.
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
201 E M 55, Tawas City, MI 48763
18 Month Compounding Certificates
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
241 E Saginaw St, East Lansing, MI 48823
18 Month CD
$0
3.81%
▼
Rate3.76%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
576 E Lincoln St, Birmingham, MI 48009 1757
18 Month CD
$10,000
3.80%
▼
Rate3.75%
Min Deposit$10,000
Min Balance—
UpdatedApr 3, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Toyota Technical Center, Saline, MI 48176
IRA Certificate Term 18-Month Variable
$100,000
3.72%
▼
Rate3.66%
Min Deposit$100,000
Min Balance—
UpdatedApr 3, 2026
Details
$100,000 Minimum to Earn APY
Dearborn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
22315 Michigan Ave, Dearborn, MI 48124
18 MONTH VARIABLE RATE IRA
$100
3.66%
▼
Rate3.60%
Min Deposit$100
Min Balance—
UpdatedApr 3, 2026
Details
(The interest rate and APY may change after account opening)
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
2929 3rd Ave N, Escanaba, MI 49829 4203
18 Month IRA Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
34901 Woodward Ave, Birmingham, MI 48009
Agility 18-month CD
$1,000
3.61%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
6246 Chase Rd, Dearborn, MI 48126
18 Month Heroes Cert / IRA
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
3558 Sterns Rd, Lambertville, MI 48144
18 Month Certificate
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
2182 Lakeshore Dr, Muskegon, MI 49441 1414
18 MO IRA Certificate
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
6180 State St, Saginaw, MI 48603
18 Month Share Certificate Account
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Journey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
1200 Zeeb Dr, Saint Johns, MI 48879 1150
18 Month Share Certificates and IRA Certificates
$500
3.40%
▼
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3777 West Rd, East Lansing, MI 48823 8029
18 Month Certificate or IRA-HSA
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
715 Terrace St, Muskegon, MI 49440
IRA/HSA Certificate of Deposit 18 month
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Bank of Ann Arbor
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
101 E Grand River Ave, Howell, MI 48843
18 Month Retail CD
$1,000
3.05%
▼
Rate3.02%
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details
A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates effective as of 03/23/2026 - 03/29/2026.
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6000 28th St SE, Grand Rapids, MI 49546 6927
18 Month Share Certificate SPECIAL
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
4635 44th St SE, Grand Rapids, MI 49512
18 Month Share Certificate
$500
2.93%
▼
Rate2.90%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
2303 S Center Rd, Burton, MI 48519 1147
CD, Traditional IRA CD & Roth IRA CD Accounts 18 Month
$0
2.90%
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Settlers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
14623 State Highway M28 E, Bruce Crossing, MI 49912 9296
18 Month Share Certificates
$0
2.88%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
630 Howard St, Detroit, MI 48226
18 Month Certificate of Deposit & Term IRAs
$500
2.68%
▼
Rate2.65%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
4Front Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
3745 N US Highway 31 S, Traverse City, MI 49684 4442
18 Mo. Regular, Traditional & Roth IRA
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
The Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
39139 Mound Rd, Sterling Heights, MI 48310 2737
18 Month Term Share Certificates
$500
2.35%
▼
Rate2.33%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
West Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
201 W Loomis St, Ludington, MI 49431
18 Month Certificates of Deposit (CDs)
$500
2.27%
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
115 Riverside Dr, Battle Creek, MI 49015
18 Month Certificate
$50
1.92%
▼
Rate1.90%
Min Deposit$50
Min Balance—
UpdatedApr 3, 2026
Details
$50 Minimum Deposit
Northern Interstate Bank, N. A.
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
501 W Us Highway 2, Norway, MI 49870
18 Month CD
$1,000
1.91%
▼
Rate1.90%
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details
G. W. Jones Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
115 W Main St, Marcellus, MI 49067
18 Month IRA
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
1319 Front Ave NW, Grand Rapids, MI 49504
18 Month CD
$500
1.26%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
GR Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
17010 Croswell St, West Olive, MI 49460 9748
18 month Certificate
$500
1.06%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Thumb Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
7254 Michigan Ave, Pigeon, MI 48755
18 Month CD
$0
0.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Century Bank and Trust MI
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
100 W Chicago St, Coldwater, MI 49036
18 Month SEP IRA
$0
0.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
751 E Big Beaver Road, Troy, MI 48083
Special Share Certificates 24 Month
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.29%
2889 E Maple Rd, Troy, MI 48083
Certificates 2 Year
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Rates may increase .2% when a member qualifies for our loyalty benefits. Ask us for more details.
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
734 W Long Lake Rd, Troy, MI 48098
24 Month CD
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Valley Credit Union Salem, OR
Institution Rating:
B4.4 ★Texas Ratio: 21.74%
5600 Crooks Rd, Troy, MI 48098
2 Year Share and IRA Certificate
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
6693 Rochester Rd, Troy, MI 48085
24 Month Term Share Account
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Community Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
30 E Long Lake Rd, Troy, MI 48085 4712
2-Year Certificate
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
65 W LAKETON AVE, MUSKEGON, MI 49441
IRA & SHARE CERTIFICATES 2 YEAR
$0
4.01%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
24-Month CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
241 E Saginaw St, East Lansing, MI 48823
24 Month CD
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Soo-Co-Op Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
4489 I 75 Business Spur, Sault Sainte Marie, MI 49783
Term Certificates Non Compounding 24 Month
$0
3.65%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
576 E Lincoln St, Birmingham, MI 48009 1757
2 Year CD
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedApr 3, 2026
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
3558 Sterns Rd, Lambertville, MI 48144
24 Month Certificate
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
615 W Maple Ave, Adrian, MI 49221 1630
24 MONTH CERTIFICATE
$3,000
3.55%
▼
Rate—
Min Deposit$3,000
Min Balance—
UpdatedApr 3, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.10%
718 E Michigan Ave, Jackson, MI 49201
IRA 2 Year
$50
3.51%
▼
Rate3.46%
Min Deposit$50
Min Balance—
UpdatedApr 3, 2026
Details
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
2900 W South Airport Rd, Traverse City, MI 49684 4611
24 Month CD
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
$500 Minimum; Direct Deposit
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
IRA Certificates 24 Month
$0
3.39%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
715 Terrace St, Muskegon, MI 49440
IRA/HSA Certificate of Deposit 24 month
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
6230 Orchard Lake Rd, West Bloomfield, MI 48322
Jumbo Certificates 24 Month
$0
3.27%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Dearborn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
22315 Michigan Ave, Dearborn, MI 48124
2 YEAR IRA
$250
3.20%
▼
Rate3.20%
Min Deposit$250
Min Balance—
UpdatedApr 3, 2026
Details
4Front Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
3745 N US Highway 31 S, Traverse City, MI 49684 4442
24 Mo. Regular, Traditional & Roth IRA
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Harborlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2151 Cogswell Dr, Whitehall, MI 49461
2 Year Jumbo* Certificates of Deposit
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
6246 Chase Rd, Dearborn, MI 48126
24 Month Heroes Cert / IRA
$0
3.10%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Farm Bureau Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
7373 W Saginaw Hwy, Lansing, MI 48917 1124
24 MONTH CERTIFICATE
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Settlers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
14623 State Highway M28 E, Bruce Crossing, MI 49912 9296
24 Month Share Certificates
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Gogebic Range Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.26%
207 Cedar Street, Ewen, MI 49925
24 Month CD
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
FNB of Wakefield
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
401 Sunday Lake St, Wakefield, MI 49968
24 mo Certificates of Deposit
$500
3.02%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
106 N Marketplace Blvd, Lansing, MI 48917 7753
IRA Certificates 24 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
2303 S Center Rd, Burton, MI 48519 1147
CD, Traditional IRA CD & Roth IRA CD Accounts 24 Month
$0
2.95%
▼
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
University of Michigan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
340 E Huron St, Ann Arbor, MI 48104
24 Month Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Filer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
1117 28th St, Manistee, MI 49660
24 MONTH MIN $ 1,000 Certificate
$0
2.89%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
4635 44th St SE, Grand Rapids, MI 49512
24 Month Share Certificate
$500
2.88%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Advantage One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.22%
13050 Fort St, Southgate, MI 48195 1101
24-Month Certificate
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
630 Howard St, Detroit, MI 48226
24 Month Certificate of Deposit & Term IRAs
$500
2.73%
▼
Rate2.70%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Kenowa Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
1905 28th Street St SW, Wyoming, MI 49519 2507
24 MO CERTIFICATE
$500
2.68%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Family Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
4075 W Polk Rd, Hart, MI 49420 8177
Certificate of Deposit & IRA Certificate Jumbo 24 Month
$25,000
2.63%
▼
Rate2.60%
Min Deposit$25,000
Min Balance—
UpdatedApr 3, 2026
Details
West Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
201 W Loomis St, Ludington, MI 49431
24 Month IRA Certificates
$500
2.52%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
The Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
39139 Mound Rd, Sterling Heights, MI 48310 2737
24 Month Term Share Certificates
$500
2.50%
▼
Rate2.48%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
4550 Division St, Trenton, MI 48183
2 Year Certificate Tier 3
$0
2.40%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
507 E Main St, Niles, MI 49120 2617
24 Month Term Share Certificates
$100
2.35%
▼
Rate2.32%
Min Deposit$100
Min Balance—
UpdatedApr 3, 2026
Details
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
201 E M 55, Tawas City, MI 48763
Non-Compounding Certificates 2 Year
$0
2.30%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
1381 N Bagley St, Alpena, MI 49707 8101
2 YEAR CERTIFICATE
$500
2.28%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
958 W Monroe St, Jackson, MI 49202 2036
2 Year CD Gold
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
400 Town Center Dr, Dearborn, MI 48126
2 year Certificate
$100,000
2.20%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 3, 2026
Details
Compass Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
485 S State St, Sparta, MI 49345 1549
2-Year Share Certificate
$500
2.12%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Northern Interstate Bank, N. A.
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
501 W Us Highway 2, Norway, MI 49870
24 Month CD
$1,000
2.02%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
526 WATER ST RM 113, PORT HURON, MI 48060 5463
2 Year Certificate
$1,000
2.01%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details
$1,000 minimum
Advia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
500 10th St, Port Huron, MI 48060
Regular CD 24-Month
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
1319 Front Ave NW, Grand Rapids, MI 49504
24 Month CD
$500
1.76%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
GRAND TRUNK BATTLE CREEK EMP
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
1275 Raymond Rd N, Battle Creek, MI 49014
2 YEAR CERTIFICATE
$0
1.71%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Marshall Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
839 W Green St, Marshall, MI 49068
CD Special 24 Month
$500
1.65%
▼
Rate1.29%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.29%
2889 E Maple Rd, Troy, MI 48083
Certificates 3 Year
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Rates may increase .2% when a member qualifies for our loyalty benefits. Ask us for more details.
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
734 W Long Lake Rd, Troy, MI 48098
36 Month CD
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Valley Credit Union Salem, OR
Institution Rating:
B4.4 ★Texas Ratio: 21.74%
5600 Crooks Rd, Troy, MI 48098
3 Year Share and IRA Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
6693 Rochester Rd, Troy, MI 48085
36 Month Term Share Account
$0
1.36%
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
751 E Big Beaver Road, Troy, MI 48083
IRA 36 Month Term Share Certificates
$0
0.55%
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Community Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
30 E Long Lake Rd, Troy, MI 48085 4712
3-Year Certificate
$0
0.35%
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
5600 Crooks Rd Ste 101, Troy, MI 48098 2803
IRA Share Certificate 36 Month
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
65 W LAKETON AVE, MUSKEGON, MI 49441
IRA & SHARE CERTIFICATES 3 YEAR
$0
4.01%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
36 Month Certificates of Deposit (CDs)
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Toyota Technical Center, Saline, MI 48176
IRA Certificate Term 36-Month Variable
$100,000
3.67%
▼
Rate3.61%
Min Deposit$100,000
Min Balance—
UpdatedApr 3, 2026
Details
$100,000 Minimum to Earn APY
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
3558 Sterns Rd, Lambertville, MI 48144
36 Month Certificate
$500
3.66%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
2929 3rd Ave N, Escanaba, MI 49829 4203
36 Month IRA Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
2665 Reserve Rd, Houghton Lake, MI 48629
36 MONTH CD
$50,000
3.60%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 3, 2026
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
20252 Ecorse Rd, Taylor, MI 48180
3 year I.R.A Certificates
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
2900 W South Airport Rd, Traverse City, MI 49684 4611
36 Month CD
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
$500 Minimum; Direct Deposit
FNB of Wakefield
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
401 Sunday Lake St, Wakefield, MI 49968
36 mo Certificates of Deposit
$500
3.53%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.76%
1086 Creston St, Muskegon, MI 49442
36 MO GOLDEN CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
IRA Certificates 36 Month
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3777 West Rd, East Lansing, MI 48823 8029
3-Year Certificate or IRA-HSA Jumbo
$100,000
3.45%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 3, 2026
Details
Journey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
1200 Zeeb Dr, Saint Johns, MI 48879 1150
36 Month Share Certificates and IRA Certificates
$500
3.40%
▼
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
520 HAYDEN ST, SAGINAW, MI 48607
Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit 36 Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
576 E Lincoln St, Birmingham, MI 48009 1757
3 Year CD
$10,000
3.34%
▼
Rate3.30%
Min Deposit$10,000
Min Balance—
UpdatedApr 3, 2026
Details
4Front Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
3745 N US Highway 31 S, Traverse City, MI 49684 4442
36 Mo. Regular, Traditional & Roth IRA
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Farm Bureau Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
7373 W Saginaw Hwy, Lansing, MI 48917 1124
36 MONTH CERTIFICATE
$500
3.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
S216 Menominee St, Stephenson, MI 49887
36 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Non-Relationship
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
106 N Marketplace Blvd, Lansing, MI 48917 7753
IRA Jumbo 36 Month Certificates
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Michigan Columbus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
30419 6 Mile Rd, Livonia, MI 48152 3460
36 month Certificate of Deposit to $99,999.99
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
$500.00
Baraga County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
101 E Broad St, Lanse, MI 49946 1013
IRA 36 Month CD
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
No Fees
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
2303 S Center Rd, Burton, MI 48519 1147
CD, Traditional IRA CD & Roth IRA CD Accounts 36 Month
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Harborlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2151 Cogswell Dr, Whitehall, MI 49461
3 Year Jumbo* Certificates of Deposit
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
University of Michigan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
340 E Huron St, Ann Arbor, MI 48104
36 Month Certificate
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
630 Howard St, Detroit, MI 48226
36 Month Certificate of Deposit & Term IRAs
$500
2.89%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
6246 Chase Rd, Dearborn, MI 48126
36 Month Heroes Cert / IRA
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Filer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
1117 28th St, Manistee, MI 49660
36 MONTH MIN $ 1,000 Certificate
$0
2.79%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Advantage One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.22%
13050 Fort St, Southgate, MI 48195 1101
36-Month Certificate
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Family Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
4075 W Polk Rd, Hart, MI 49420 8177
Certificate of Deposit & IRA Certificate Jumbo 36 Month
$25,000
2.73%
▼
Rate2.70%
Min Deposit$25,000
Min Balance—
UpdatedApr 3, 2026
Details
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
4635 44th St SE, Grand Rapids, MI 49512
36 Month Share Certificate
$500
2.68%
▼
Rate2.65%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
4550 Division St, Trenton, MI 48183
3 Year Certificate Tier 3
$0
2.60%
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
1381 N Bagley St, Alpena, MI 49707 8101
3 YEAR CERTIFICATE
$500
2.53%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
526 WATER ST RM 113, PORT HURON, MI 48060 5463
3 Year Certificate
$1,000
2.52%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details
$1,000 minimum
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
201 E M 55, Tawas City, MI 48763
3 Year Compounding Certificates
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
507 E Main St, Niles, MI 49120 2617
36 Month Term Share Certificates
$100
2.40%
▼
Rate2.37%
Min Deposit$100
Min Balance—
UpdatedApr 3, 2026
Details
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
958 W Monroe St, Jackson, MI 49202 2036
3 Year CD Gold
$0
2.38%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Kenowa Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
1905 28th Street St SW, Wyoming, MI 49519 2507
36 MO CERTIFICATE
$500
2.37%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
115 Riverside Dr, Battle Creek, MI 49015
36 Month Certificate
$50
2.33%
▼
Rate2.30%
Min Deposit$50
Min Balance—
UpdatedApr 3, 2026
Details
$50 Minimum Deposit
Alpena Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
710 W Miller St, Alpena, MI 49707 1875
IRA 36 MONTH
$2,000
2.27%
▼
Rate2.25%
Min Deposit$2,000
Min Balance—
UpdatedApr 3, 2026
Details
Compass Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
485 S State St, Sparta, MI 49345 1549
3-Year Share Certificate
$500
2.22%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
400 Town Center Dr, Dearborn, MI 48126
3 year Certificate
$100,000
2.20%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 3, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
808 E Front St, Buchanan, MI 49107 1444
36 Month Bump Up Certificate
$500
2.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00.
Northern Interstate Bank, N. A.
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
501 W Us Highway 2, Norway, MI 49870
36 Month CD
$1,000
2.07%
▼
Rate2.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
734 W Long Lake Rd, Troy, MI 48098
48 Month CD
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.29%
2889 E Maple Rd, Troy, MI 48083
Certificates 4 Year
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Rates may increase .2% when a member qualifies for our loyalty benefits. Ask us for more details.
Valley Credit Union Salem, OR
Institution Rating:
B4.4 ★Texas Ratio: 21.74%
5600 Crooks Rd, Troy, MI 48098
4 Year Share and IRA Certificate
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
6693 Rochester Rd, Troy, MI 48085
48 Month Term Share Account
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
751 E Big Beaver Road, Troy, MI 48083
IRA 48 Month Term Share Certificates
$0
0.65%
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Community Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
30 E Long Lake Rd, Troy, MI 48085 4712
4-Year Certificate
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
First Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
16630 Gratiot Rd, Hemlock, MI 48626
Share Certificate 48 Month Term
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
3558 Sterns Rd, Lambertville, MI 48144
48 Month Certificate
$500
3.71%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
2665 Reserve Rd, Houghton Lake, MI 48629
48 MONTH CD
$50,000
3.65%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 3, 2026
Details
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
2900 W South Airport Rd, Traverse City, MI 49684 4611
48 Month CD
$500
3.60%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
$500 Minimum; Direct Deposit
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
20252 Ecorse Rd, Taylor, MI 48180
4 year I.R.A Certificates
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
615 W Maple Ave, Adrian, MI 49221 1630
48 MONTH CERTIFICATE
$3,000
3.55%
▼
Rate—
Min Deposit$3,000
Min Balance—
UpdatedApr 3, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3777 West Rd, East Lansing, MI 48823 8029
4-Year Certificate or IRA-HSA Jumbo
$100,000
3.50%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 3, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
48 Month IRA Certificates
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.10%
718 E Michigan Ave, Jackson, MI 49201
IRA 4 Year
$50
3.40%
▼
Rate3.36%
Min Deposit$50
Min Balance—
UpdatedApr 3, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
65 W LAKETON AVE, MUSKEGON, MI 49441
IRA & SHARE CERTIFICATES 4 YEAR
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
6230 Orchard Lake Rd, West Bloomfield, MI 48322
48 Month Certificates
$0
3.27%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
2303 S Center Rd, Burton, MI 48519 1147
CD, Traditional IRA CD & Roth IRA CD Accounts 48 Month
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
630 Howard St, Detroit, MI 48226
48 Month Certificate of Deposit & Term IRAs
$500
3.14%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
S216 Menominee St, Stephenson, MI 49887
48 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Non-Relationship
Harborlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2151 Cogswell Dr, Whitehall, MI 49461
4 Year Jumbo* Certificates of Deposit
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Gogebic Range Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.26%
207 Cedar Street, Ewen, MI 49925
48 Month CD
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
FNB of Wakefield
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
401 Sunday Lake St, Wakefield, MI 49968
48 mo Certificates of Deposit
$500
3.02%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Advantage One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.22%
13050 Fort St, Southgate, MI 48195 1101
48-Month Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
University of Michigan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
340 E Huron St, Ann Arbor, MI 48104
48 Month Certificate
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
106 N Marketplace Blvd, Lansing, MI 48917 7753
IRA Certificates 48 Month
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
4550 Division St, Trenton, MI 48183
4 Year Certificate Tier 3
$0
2.85%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Family Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
4075 W Polk Rd, Hart, MI 49420 8177
Certificate of Deposit & IRA Certificate Jumbo 48 Month
$25,000
2.84%
▼
Rate2.80%
Min Deposit$25,000
Min Balance—
UpdatedApr 3, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
576 E Lincoln St, Birmingham, MI 48009 1757
4 Year CD
$10,000
2.83%
▼
Rate2.80%
Min Deposit$10,000
Min Balance—
UpdatedApr 3, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1100 S Bagley St, Alpena, MI 49707 8104
4 Year Certificate
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
6246 Chase Rd, Dearborn, MI 48126
48 Month Cert / IRA
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Filer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
1117 28th St, Manistee, MI 49660
48 MONTH MIN $ 1,000 Certificate
$0
2.63%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
115 Riverside Dr, Battle Creek, MI 49015
48 Month Certificate
$50
2.53%
▼
Rate2.50%
Min Deposit$50
Min Balance—
UpdatedApr 3, 2026
Details
$50 Minimum Deposit
Alpena Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
710 W Miller St, Alpena, MI 49707 1875
IRA 48 MONTH
$2,000
2.52%
▼
Rate2.50%
Min Deposit$2,000
Min Balance—
UpdatedApr 3, 2026
Details
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
958 W Monroe St, Jackson, MI 49202 2036
4 Year CD Gold
$0
2.48%
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
4635 44th St SE, Grand Rapids, MI 49512
48 Month Share Certificate
$500
2.47%
▼
Rate2.45%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
201 E M 55, Tawas City, MI 48763
Non-Compounding Certificates 4 Year
$0
2.45%
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
4Front Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
3745 N US Highway 31 S, Traverse City, MI 49684 4442
48 Mo. Regular, Traditional & Roth IRA
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Kenowa Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
1905 28th Street St SW, Wyoming, MI 49519 2507
48 MO CERTIFICATE
$500
2.41%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
507 E Main St, Niles, MI 49120 2617
48 Month Term Share Certificates
$100
2.40%
▼
Rate2.37%
Min Deposit$100
Min Balance—
UpdatedApr 3, 2026
Details
Compass Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
485 S State St, Sparta, MI 49345 1549
4-Year Share Certificate
$500
2.38%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
715 N Telegraph Rd, Monroe, MI 48162 5130
48 Month IRA CD
$0
2.27%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Arbor Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.24%
1551 S 9TH ST, KALAMAZOO, MI 49009 9404
48 Month Certificate
$500
2.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
GRAND TRUNK BATTLE CREEK EMP
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
1275 Raymond Rd N, Battle Creek, MI 49014
4 YEAR CERTIFICATE
$0
2.17%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Northern Interstate Bank, N. A.
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
501 W Us Highway 2, Norway, MI 49870
48 Month CD
$1,000
2.12%
▼
Rate2.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details
Downriver Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
4320 W Jefferson Ave, Ecorse, MI 48229 1532
Share Certificate 48 month
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Marshall Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
839 W Green St, Marshall, MI 49068
CD Special 48 Month
$500
1.80%
▼
Rate1.79%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3141 Capital Ave SW, Battle Creek, MI 49015
48 Month Jumbo Certificate
$0
1.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
GR Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
17010 Croswell St, West Olive, MI 49460 9748
48 month Certificate
$500
1.31%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
1319 Front Ave NW, Grand Rapids, MI 49504
48 Month CD
$500
1.16%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
734 W Long Lake Rd, Troy, MI 48098
60 Month CD
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.29%
2889 E Maple Rd, Troy, MI 48083
Certificates 5 Year
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Rates may increase .2% when a member qualifies for our loyalty benefits. Ask us for more details.
Valley Credit Union Salem, OR
Institution Rating:
B4.4 ★Texas Ratio: 21.74%
5600 Crooks Rd, Troy, MI 48098
5 Year Share and IRA Certificate
$0
2.70%
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
6693 Rochester Rd, Troy, MI 48085
60 Month Term Share Account
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
751 E Big Beaver Road, Troy, MI 48083
IRA 60 Month Term Share Certificates
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Community Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
30 E Long Lake Rd, Troy, MI 48085 4712
5-Year Certificate
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
First Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
16630 Gratiot Rd, Hemlock, MI 48626
Share Certificate 60 Month Term
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3089 44th St SW, Grandville, MI 49418 2501
60 Month CD
$0
3.85%
▼
Rate3.79%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
65 W LAKETON AVE, MUSKEGON, MI 49441
IRA & SHARE CERTIFICATES 5 YEAR
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
3558 Sterns Rd, Lambertville, MI 48144
60 Month Certificate
$500
3.76%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
S216 Menominee St, Stephenson, MI 49887
60 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Relationship
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
IRA Certificates 60 Month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
2900 W South Airport Rd, Traverse City, MI 49684 4611
60 Month CD
$500
3.65%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
$500 Minimum; Direct Deposit
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3777 West Rd, East Lansing, MI 48823 8029
5-Year Certificate or IRA-HSA Jumbo
$100,000
3.60%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 3, 2026
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
20252 Ecorse Rd, Taylor, MI 48180
5 year I.R.A Certificates
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
615 W Maple Ave, Adrian, MI 49221 1630
60 MONTH CERTIFICATE
$3,000
3.55%
▼
Rate—
Min Deposit$3,000
Min Balance—
UpdatedApr 3, 2026
Details
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
6230 Orchard Lake Rd, West Bloomfield, MI 48322
60 Month Certificates
$0
3.54%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Toyota Technical Center, Saline, MI 48176
IRA Certificate Term 60-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 3, 2026
Details
$100,000 Minimum to Earn APY
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
2303 S Center Rd, Burton, MI 48519 1147
CD, Traditional IRA CD & Roth IRA CD Accounts 60 Month
$0
3.45%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Journey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
1200 Zeeb Dr, Saint Johns, MI 48879 1150
60 Month Share Certificates and IRA Certificates
$500
3.40%
▼
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
630 Howard St, Detroit, MI 48226
60 Month Certificate of Deposit & Term IRAs
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Auto Owners Associates Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
6101 Anacapri Blvd, Lansing, MI 48917
60 MONTH TERM SHARE
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Harborlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2151 Cogswell Dr, Whitehall, MI 49461
5 Year Jumbo* Certificates of Deposit
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
6246 Chase Rd, Dearborn, MI 48126
60 Month Heroes Cert / IRA
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Family Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
4075 W Polk Rd, Hart, MI 49420 8177
Certificate of Deposit & IRA Certificate Jumbo 60 Month
$25,000
3.04%
▼
Rate3.00%
Min Deposit$25,000
Min Balance—
UpdatedApr 3, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1100 S Bagley St, Alpena, MI 49707 8104
5 Year Certificate
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
4550 Division St, Trenton, MI 48183
5 Year Certificate Tier 3
$0
2.95%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
University of Michigan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
340 E Huron St, Ann Arbor, MI 48104
60 Month Certificate
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
106 N Marketplace Blvd, Lansing, MI 48917 7753
IRA Certificates 60 Month
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Alpena Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
710 W Miller St, Alpena, MI 49707 1875
IRA 60 MONTH
$2,000
2.78%
▼
Rate2.75%
Min Deposit$2,000
Min Balance—
UpdatedApr 3, 2026
Details
FNB of Wakefield
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
401 Sunday Lake St, Wakefield, MI 49968
60 mo Certificates of Deposit
$500
2.77%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Advia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
500 10th St, Port Huron, MI 48060
Regular CD 60-Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
115 Riverside Dr, Battle Creek, MI 49015
60 Month Certificate
$50
2.73%
▼
Rate2.70%
Min Deposit$50
Min Balance—
UpdatedApr 3, 2026
Details
$50 Minimum Deposit
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
958 W Monroe St, Jackson, MI 49202 2036
5 Year CD Gold
$0
2.58%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
576 E Lincoln St, Birmingham, MI 48009 1757
5 Year CD
$10,000
2.57%
▼
Rate2.55%
Min Deposit$10,000
Min Balance—
UpdatedApr 3, 2026
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
715 N Telegraph Rd, Monroe, MI 48162 5130
60 Month IRA CD
$0
2.53%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Arbor Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.24%
1551 S 9TH ST, KALAMAZOO, MI 49009 9404
60 Month Certificate
$500
2.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Compass Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
485 S State St, Sparta, MI 49345 1549
5-Year Share Certificate
$500
2.48%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
Kenowa Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
1905 28th Street St SW, Wyoming, MI 49519 2507
60 MO CERTIFICATE
$500
2.46%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
4Front Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
3745 N US Highway 31 S, Traverse City, MI 49684 4442
60 Mo. Regular, Traditional & Roth IRA
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Northern Interstate Bank, N. A.
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
501 W Us Highway 2, Norway, MI 49870
60 Month CD
$1,000
2.27%
▼
Rate2.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details
Downriver Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
4320 W Jefferson Ave, Ecorse, MI 48229 1532
Share Certificate 60 month
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
400 Town Center Dr, Dearborn, MI 48126
5 year Share Certificate
$100,000
2.20%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 3, 2026
Details
Thumb Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
7254 Michigan Ave, Pigeon, MI 48755
5 Year CD
$0
2.02%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
700 E Sharon Ave, Houghton, MI 49931 1618
60 Month Share Certificates
$0
2.00%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Vibe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
1220 County Center Dr W, Waterford, MI 48328 1904
60 Month Certificate
$0
1.90%
▼
Rate1.89%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Marshall Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
839 W Green St, Marshall, MI 49068
CD Special 60 Month
$500
1.80%
▼
Rate1.79%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3141 Capital Ave SW, Battle Creek, MI 49015
60 Month Jumbo Certificate
$0
1.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
GR Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
17010 Croswell St, West Olive, MI 49460 9748
60 Month Certificate
$500
1.41%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
1319 Front Ave NW, Grand Rapids, MI 49504
60 Month CD
$500
1.31%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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Frequently Asked Questions about CD Rates in Troy, Michigan
Are CD rates in Troy, Michigan FDIC insured?
Yes, most established banks in Troy, 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 Troy, 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 Troy, 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 Troy, 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 Troy, Michigan?
Here are recent top rates found for this area:
- Polish American Federal Credit Union: 3.75% APY (Certificates 1 Year)
- Chief Financial Federal Credit Union: 3.65% APY (Special Share Certificates 12 Month)
- LMCU Lake Michigan Credit Union: 3.35% APY (60 Month CD)
- Genisys Credit Union: 3.30% APY (Jumbo and Jumbo IRA Certificates 1 Year)
- Farmers & Merchants State Bank Archbold, OH: 3.20% APY (12 Month Fixed IRA)
- Valley Credit Union Salem, OR: 2.70% APY (5 Year Share and IRA Certificate)
- Jessop Community Federal Credit Union: 2.25% APY (Share Certificate 12 Month)
- OUR Credit Union: 1.76% APY (60 Month Term Share Account)
- Community Choice Credit Union: 0.50% APY (5-Year Certificate)
- United Financial Credit Union: 5.05% APY (6 month - 4H or FFA CD)
Rates reflect recent verified offers available in Troy, Michigan. Last Updated: April 3, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Troy, 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 Troy, Michigan. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in MI.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: April 3, 2026
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