Michigan CD Rates Today - Compare Best APYs for July 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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.
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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 Michigan CD rates include Diversified Members Credit UnionDiversified Members Credit Union1480 E Jefferson Ave, Detroit, MI 48207A+5.0 ★Texas Ratio: 5.38%Real return: +2.35%APY minus CPI (February 2026) offering 12 Months at 5.15% APY, United Financial Credit UnionUnited Financial Credit Union6310 Dixie Hwy, Bridgeport, MI 48722A+5.0 ★Texas Ratio: 3.57%Real return: +2.25%APY minus CPI (February 2026) offering 6 month - 4H or FFA CD at 5.05% APY, OMNI Community Credit UnionOMNI Community Credit Union3141 Capital Ave SW, Battle Creek, MI 49015A+5.0 ★Texas Ratio: 3.29%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Youth Special at 5.00% APY, Best Financial Credit UnionBest Financial Credit Union1888 E Sherman Blvd, Muskegon, MI 49444 1822A+5.0 ★Texas Ratio: 3.41%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Super Kids at 5.00% APY, and Gerber Federal Credit UnionGerber Federal Credit Union508 State St, Fremont, MI 49412A+5.0 ★Texas Ratio: 3.31%Real return: +1.70%APY minus CPI (February 2026) offering Share Certificate 48 Month at 4.50% APY. CD rates as of July 25, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Michigan side-by-side. Michigan CD rates currently reach as high as 5.15% APY from Diversified Members Credit Union at 1480 E Jefferson Ave, Detroit, MI 48207. 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: July 25, 2026
Compare Best CD Rates in Michigan
Michigan 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
7665 Merriman Rd, Romulus, MI 48174 1920
Jumbo CD 3 Months
$3,000,000
4.32%
▼
Rate4.25%
Min Deposit$3,000,000
Min Balance—
UpdatedJul 16, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
7665 Merriman Rd, Romulus, MI 48174 1920
Jumbo CD 3 Months
$500,000
4.06%
▼
Rate4.00%
Min Deposit$500,000
Min Balance—
UpdatedJul 16, 2026
Details
West Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
201 W Loomis St, Ludington, MI 49431
3 Month CD
$0
3.90%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
3355 University Dr, Auburn Hills, MI 48326
3-Month Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
3 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
3 Month CD
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
St Francis X Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
2140 M 119, Petoskey, MI 49770
3 Months CD & IRA CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Technical Center, Saline, MI 48176
3-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Highpoint Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
435 Arlington St, Middleville, MI 49333
90 Day (3 Month) Certificate of Deposit
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
St Francis X Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
2140 M 119, Petoskey, MI 49770
3 Months CD & IRA CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
1100 S Bagley St, Alpena, MI 49707 8104
90 Day
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Interest Period Compounded & Credited: Quarterly
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
1100 S Bagley St, Alpena, MI 49707 8104
90 Day Youth
$100
3.29%
▼
Rate3.25%
Min Deposit$100
Min Balance—
UpdatedJul 11, 2026
Details
Interest Period Compounded & Credited: Quarterly
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
3-Month Certificate or IRA-HSA Jumbo
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
106 N Marketplace Blvd, Lansing, MI 48917 7753
IRA Certificate 3 Month
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
You are solely responsible for complying with any requirements including transaction limitations and penalties for early withdrawal under the Internal Revenue Code or other applicable Federal or State law governing any IRA or other Credit Union accounts.
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
106 N Marketplace Blvd, Lansing, MI 48917 7753
Regular Term Share Certificate 3 Month
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Regular Term Share Certificates require a minimum balance of $50 to open. Regular term CDs allow additional add on deposits.
West Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
201 W Loomis St, Ludington, MI 49431
3 Months
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
3-Month Certificate or IRA-HSA
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
6246 Chase Rd, Dearborn, MI 48126
3 Month Cert / IRA
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Dividends Paid: At Maturity. Penalty: 90 days*
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
90 Day
$0
2.63%
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
The Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
39139 Mound Rd, Sterling Heights, MI 48310 2737
Term Share Certificate 3 Month
$500
2.50%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
90 Day
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Lake-Osceola State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
790 Michigan Ave, Baldwin, MI 49304
90 Days
$5,000
2.27%
▼
Rate2.25%
Min Deposit$5,000
Min Balance—
UpdatedJul 20, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
2303 S Center Rd, Burton, MI 48519 1147
3-Month Certificate
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
90 Day
$0
2.22%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
2303 S Center Rd, Burton, MI 48519 1147
3-Month Certificate
$0
2.20%
▼
Rate2.18%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
90 Day
$0
2.17%
▼
Rate2.15%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
2303 S Center Rd, Burton, MI 48519 1147
3-Month Certificate
$0
2.15%
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
2303 S Center Rd, Burton, MI 48519 1147
3-Month Certificate
$0
2.10%
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
2303 S Center Rd, Burton, MI 48519 1147
3-Month Certificate
$0
2.05%
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
615 W Maple Ave, Adrian, MI 49221 1630
3 MONTH CERTIFICATE
$3,000
2.02%
▼
Rate—
Min Deposit$3,000
Min Balance—
UpdatedJul 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
90 Day
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
125 W Saginaw St, Merrill, MI 48637
3 Month CD
$0
2.01%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Comerica
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
135 E Main St, Manchester, MI 48158
90-day fixed-rate CD
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
90 Day
$0
1.97%
▼
Rate1.95%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
90 Day
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
715 Terrace St, Muskegon, MI 49440
3 month
$0
1.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4550 Division St, Trenton, MI 48183
3 Month Tier 3
$0
1.60%
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4550 Division St, Trenton, MI 48183
3 Month Tier 2
$0
1.55%
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
958 W Monroe St, Jackson, MI 49202 2036
CD Gold 3 Month
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
958 W Monroe St, Jackson, MI 49202 2036
IRA 3 Month
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4550 Division St, Trenton, MI 48183
3 Month Tier 1
$0
1.50%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
115 Riverside Dr, Battle Creek, MI 49015
3 Month
$50
1.10%
▼
Rate1.10%
Min Deposit$50
Min Balance—
UpdatedJul 25, 2026
Details
Ignite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
755 Grand St, Allegan, MI 49010 8027
3 MONTH CERTIFICATE
$50
1.10%
▼
Rate—
Min Deposit$50
Min Balance—
UpdatedJul 11, 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—
UpdatedJul 20, 2026
Details
One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.77%
630 Howard St, Detroit, MI 48226
3 Month
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
520 HAYDEN ST, SAGINAW, MI 48607
3 Months
$0
1.00%
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
500 E Lafayette Blvd, Detroit, MI 48226
Business 3-Month
$0
0.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1319 Front Ave NW, Grand Rapids, MI 49504
3 Month CD
$500
0.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
6180 State St, Saginaw, MI 48603
3 Month
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
6180 State St, Saginaw, MI 48603
Youth 3 Month
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Michigan 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
6310 Dixie Hwy, Bridgeport, MI 48722
6 month - 4H or FFA CD
$0
5.05%
▼
Rate4.93%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Maximum investment $5,000
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
6310 Dixie Hwy, Bridgeport, MI 48722
Youth 6 Month CD
$0
5.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
6 Months
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
6-month CD
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Effective 7/1/26: 4.10% (6-month) rate, 3.90% (12-month) rate, and 3.75% (24-month) rate. 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: 5.57%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
IRA Certificate of Deposit - 6 Months
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
30400 Telegraph Rd Ste 122, Bingham Farms, MI 48025
6 Month Certificate of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
30400 Telegraph Rd Ste 122, Bingham Farms, MI 48025
6 Month IRA Certificate of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
Rising Rate Certificate of Deposit - Third 6-month Term
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
1100 S Bagley St, Alpena, MI 49707 8104
180 Day
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Interest Period Compounded & Credited: Quarterly
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
1100 S Bagley St, Alpena, MI 49707 8104
180 Day Youth
$100
3.80%
▼
Rate3.75%
Min Deposit$100
Min Balance—
UpdatedJul 11, 2026
Details
Interest Period Compounded & Credited: Quarterly
West Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
201 W Loomis St, Ludington, MI 49431
6 Month CD
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
2665 Reserve Rd, Houghton Lake, MI 48629
6 MONTH CD
$50,000
3.80%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedJul 25, 2026
Details
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.84%
1381 N Bagley St, Alpena, MI 49707 8101
6 MONTH YOUTH CD
$100
3.79%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedJul 25, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
11756 Charest St, Hamtramck, MI 48212
6 Month
$0
3.79%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
507 E Main St, Niles, MI 49120 2617
6 Month
$100
3.76%
▼
Rate3.70%
Min Deposit$100
Min Balance—
UpdatedJul 24, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
3355 University Dr, Auburn Hills, MI 48326
6-Month Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI 49203
6 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
PORT CITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
460 W Laketon Ave, Muskegon, MI 49441 2632
6 Months
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Community Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
18925 Telegraph Rd, Brownstown, MI 48174 9546
6 Month Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 23, 2026
Details
Harborlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
2151 Cogswell Dr, Whitehall, MI 49461
6 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Members First Credit Union Midland, MI
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
600 W Wackerly St, Midland, MI 48640 4702
6 Months
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
20252 Ecorse Rd, Taylor, MI 48180
Youth Certificates 6 month
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply
Bloom Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
1414 Burton St SW, Wyoming, MI 49509
6 Month CD Special
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
($500 minimum to open)
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1319 Front Ave NW, Grand Rapids, MI 49504
6 Month CD Special
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
2665 Reserve Rd, Houghton Lake, MI 48629
6 MONTH CD
$500
3.70%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
125 W Saginaw St, Merrill, MI 48637
6 Month CD
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Bloom Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.31%
1414 Burton St SW, Wyoming, MI 49509
6 Month CD Special
$0
3.69%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
CD Specials
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
Rising Rate Certificate of Deposit - Second 6-month Term
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
6640 Bay Rd, Saginaw, MI 48604
6 Month Youth Certificate
$50
3.66%
▼
Rate3.60%
Min Deposit$50
Min Balance—
UpdatedJul 25, 2026
Details
APY will vary depending on the initial certificate deposit amount. There is a penalty for early withdrawal. Maximum deposit: $2,000. Up to 10 Youth CD's per youth account.
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
6640 Bay Rd, Saginaw, MI 48604
Youth Certificate 6 Month
$50
3.66%
▼
Rate3.60%
Min Deposit$50
Min Balance—
UpdatedJul 25, 2026
Details
APY will vary depending on the initial certificate deposit amount. $2,000 maximum deposit. Up to 10 Youth CD's per youth account. There is a penalty for early withdrawal.
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
1419 N 2nd St, Ishpeming, MI 49849 1149
6 Month Certificate
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 15, 2026
Details
Certificates of deposit are a great way to earn better interest on your money. With a minimum deposit of $500.00 to open, you will be reaching your savings goals in no time!
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
615 W Maple Ave, Adrian, MI 49221 1630
6 MONTH CERTIFICATE
$3,000
3.65%
▼
Rate—
Min Deposit$3,000
Min Balance—
UpdatedJul 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
6-Month Certificate or IRA-HSA Jumbo
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
6 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
IRA - 6 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Diversified Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
1480 E Jefferson Ave, Detroit, MI 48207
6 Month
$0
3.60%
▼
Rate3.57%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
34901 Woodward Ave, Birmingham, MI 48009
6-month CD
$1,000
3.56%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Online Only.
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
20252 Ecorse Rd, Taylor, MI 48180
Jumbo Certificates 6 month
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
9077 Charlotte Hwy, Portland, MI 48875
IRA Certificate 6 months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
2900 W South Airport Rd, Traverse City, MI 49684 4611
6 Month CD
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Rate with Direct Deposit: 3.70%, APY with Direct Deposit: 3.75%
Baraga County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
101 E Broad St, Lanse, MI 49946 1013
Share Certificates 6 months
$1,000
3.53%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJul 22, 2026
Details
*Fees may reduce earnings*
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
6 Months Certificate
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Highpoint Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
435 Arlington St, Middleville, MI 49333
182 Day (6 Month) Certificate of Deposit
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Auto Owners Associates Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
6101 Anacapri Blvd, Lansing, MI 48917
6 MONTH TERM SHARE
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
520 HAYDEN ST, SAGINAW, MI 48607
6 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
6-Month Certificate or IRA-HSA
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.08%
2889 E Maple Rd, Troy, MI 48083
6 months
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 24, 2026
Details
APY as high as 3.730%. Rates may increase .2% when a member qualifies for our loyalty benefits. Ask us for more details.
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
2182 Lakeshore Dr, Muskegon, MI 49441 1414
6 MO IRA Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 22, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
2182 Lakeshore Dr, Muskegon, MI 49441 1414
6 Month CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 22, 2026
Details
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI 48091 4073
6 months
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Michigan 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Diversified Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
1480 E Jefferson Ave, Detroit, MI 48207
12 Months
$0
5.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
3141 Capital Ave SW, Battle Creek, MI 49015
12 Month Youth Special
$0
5.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
12 Month Super Kids
$100
5.00%
▼
Rate4.91%
Min Deposit$100
Min Balance—
UpdatedJul 25, 2026
Details
Early Withdrawal Penalty: 90 days interest
People Driven Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
24333 Lahser Rd, Southfield, MI 48033 6041
1 Year Youth
$0
4.50%
▼
Rate4.43%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.84%
1381 N Bagley St, Alpena, MI 49707 8101
1 YEAR YOUTH CD
$100
4.34%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedJul 25, 2026
Details
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.84%
1381 N Bagley St, Alpena, MI 49707 8101
1 YEAR CERTIFICATE
$500
4.08%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
1100 S Bagley St, Alpena, MI 49707 8104
12 Month
$500
4.06%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Interest Period Compounded & Credited: Quarterly
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
1100 S Bagley St, Alpena, MI 49707 8104
12 Month Youth
$100
4.06%
▼
Rate4.00%
Min Deposit$100
Min Balance—
UpdatedJul 11, 2026
Details
Interest Period Compounded & Credited: Quarterly
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
12 Month YOUTH Certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
20252 Ecorse Rd, Taylor, MI 48180
Youth Certificates 1 year
$0
4.00%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
715 N Telegraph Rd, Monroe, MI 48162 5130
12 Month Youth CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 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.
Family Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4075 W Polk Rd, Hart, MI 49420 8177
12 Month
$0
4.00%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
2955 University Dr, Auburn Hills, MI 48326
GenGrow 12-month CD
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
NEW MONEY
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
34901 Woodward Ave, Birmingham, MI 48009
12-month CD
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Online Only.
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
10 Washington St, Monroe, MI 48161
12-month CD/IRA
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Promotional Rate. Rates may vary by zip code. APY (Annual Percentage Yield) effective 6/30/2026 for a limited time. See Details.
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
715 Terrace St, Muskegon, MI 49440
12 month
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
1 Year Youth Flex Certificate
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Additional deposits of $10 or more up to the max limit allowed per day. Youth Flex Certificate is only for members from ages 0-21. One time option to change the rate offered on the same product. One time option to withdraw up to 25% of principal with no penalty.
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
12 Month JUMBO Certificate
$0
3.98%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
All Jumbo Certificates require a $100,000.00 minimum deposit.
Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★Texas Ratio: 13.86%
670 Cascade West Pkwy Se, Grand Rapids, MI 49546
12 month CD
$0
3.96%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
30400 Telegraph Rd Ste 122, Bingham Farms, MI 48025
12 Month Certificate of Deposit
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
30400 Telegraph Rd Ste 122, Bingham Farms, MI 48025
12 Month IRA Certificate of Deposit
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI 48381
1 Year CD
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
12-month CD Special
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
APY= Annual Percentage Yield. Annual Percentage Yield of 3.90% for 12-month CD Special APY. Effective 7/1/26: 4.10% (6-month) rate, 3.90% (12-month) rate, and 3.75% (24-month) rate. 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: 5.57%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
IRA Certificate of Deposit - 12 Months
$0
3.90%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
12-month CD
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Effective 7/1/26: 4.10% (6-month) rate, 3.90% (12-month) rate, and 3.75% (24-month) rate. 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: 5.57%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
12 Months
$0
3.90%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
Jumbo and Jumbo IRA Certificates 1 Year
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY* is subject to change at any time. Penalty for early withdrawal.
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
G3381 Van Slyke Rd, Flint, MI 48507 3263
12 Month Youth CD
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
University of Michigan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.61%
340 E Huron St, Ann Arbor, MI 48104
12 Month Certificate
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
576 E Lincoln St, Birmingham, MI 48009 1757
1 Year CD
$10,000
3.85%
▼
Rate3.80%
Min Deposit$10,000
Min Balance—
UpdatedJul 16, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
576 E Lincoln St, Birmingham, MI 48009 1757
1 Year IRA CD
$4,000
3.85%
▼
Rate3.80%
Min Deposit$4,000
Min Balance—
UpdatedJul 16, 2026
Details
University of Michigan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.61%
340 E Huron St, Ann Arbor, MI 48104
Certificate 12 Month
$100,000
3.82%
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
UpdatedJul 16, 2026
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
20252 Ecorse Rd, Taylor, MI 48180
Jumbo Certificates 1 year
$0
3.81%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
2665 Reserve Rd, Houghton Lake, MI 48629
12 MONTH CD
$50,000
3.80%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedJul 25, 2026
Details
Members First Credit Union Midland, MI
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
600 W Wackerly St, Midland, MI 48640 4702
12 Months
$500
3.80%
▼
Rate3.73%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
576 E Lincoln St, Birmingham, MI 48009 1757
1 Year IRA CD
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
576 E Lincoln St, Birmingham, MI 48009 1757
1 Year CD
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
IRA Certificates 1 Year
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
12 Months Certificate
$0
3.77%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
3355 University Dr, Auburn Hills, MI 48326
Youth/Young Adult 12-Month Certificate*
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
630 32nd St SE, Grand Rapids, MI 49548 2306
Save to Win CD 12 month
$25
3.75%
▼
Rate3.70%
Min Deposit$25
Min Balance—
UpdatedJul 16, 2026
Details
Highpoint Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
435 Arlington St, Middleville, MI 49333
1 Year Certificate of Deposit
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
11756 Charest St, Hamtramck, MI 48212
1 Year
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI 48091 4073
12 months
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
2182 Lakeshore Dr, Muskegon, MI 49441 1414
12 MO IRA Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 22, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
2182 Lakeshore Dr, Muskegon, MI 49441 1414
12 Month CD
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 22, 2026
Details
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.08%
2889 E Maple Rd, Troy, MI 48083
1 Year
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 24, 2026
Details
APY as high as 3.950%. Rates may increase .2% when a member qualifies for our loyalty benefits. Ask us for more details.
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.08%
2889 E Maple Rd, Troy, MI 48083
IRA 1 Year Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.08%
2889 E Maple Rd, Troy, MI 48083
IRA 1 Year Term Adjusted Quarterly
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
University of Michigan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.61%
340 E Huron St, Ann Arbor, MI 48104
12 Month Certificate
$0
3.74%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Michigan 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
34901 Woodward Ave, Birmingham, MI 48009
18-month CD
$1,000
4.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Featured rate. Online Only.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Technical Center, Saline, MI 48176
18-Month Variable
$0
4.01%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
37570 S Gratiot Ave, Clinton Township, MI 48036
18-Month Special
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
At maturity, the CD will be renewed into a 24-month CD.
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
37570 S Gratiot Ave, Clinton Township, MI 48036
18-Month Special!
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Military Rate: 4.8890%, Military APY: 5.000%. At maturity, the CD will be renewed into a 24-month CD.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
IRA Certificates 18 months
$0
3.96%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
576 E Lincoln St, Birmingham, MI 48009 1757
18 Month CD
$10,000
3.91%
▼
Rate3.85%
Min Deposit$10,000
Min Balance—
UpdatedJul 16, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
576 E Lincoln St, Birmingham, MI 48009 1757
18 Month IRA CD
$4,000
3.91%
▼
Rate3.85%
Min Deposit$4,000
Min Balance—
UpdatedJul 16, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
576 E Lincoln St, Birmingham, MI 48009 1757
18 Month CD
$500
3.85%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
576 E Lincoln St, Birmingham, MI 48009 1757
18 Month IRA CD
$500
3.85%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
1100 S Bagley St, Alpena, MI 49707 8104
18 Month
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Interest Period Compounded & Credited: Quarterly
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
1100 S Bagley St, Alpena, MI 49707 8104
18 Month Youth
$100
3.80%
▼
Rate3.75%
Min Deposit$100
Min Balance—
UpdatedJul 11, 2026
Details
Interest Period Compounded & Credited: Quarterly
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
4411 Calkins Rd, Flint, MI 48532
18 Months Regular & IRA
$500
3.75%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Interest paid monthly; Interest paid quarterly
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
715 Terrace St, Muskegon, MI 49440
18 month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
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
3.71%
▼
Rate3.65%
Min Deposit$100
Min Balance—
UpdatedJul 12, 2026
Details
The interest rate and APY may change after account opening
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
18 Month Certificate or IRA-HSA Jumbo
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
18 Months Certificate
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
18 Month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
3355 University Dr, Auburn Hills, MI 48326
18-Month Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
30400 Telegraph Rd Ste 122, Bingham Farms, MI 48025
18 Month Certificate of Deposit
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
30400 Telegraph Rd Ste 122, Bingham Farms, MI 48025
18 Month IRA Certificate of Deposit
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
6246 Chase Rd, Dearborn, MI 48126
18 Month Heroes Cert / IRA
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Dividends Paid: Monthly. Penalties: 180 days*
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
18 Month Certificate or IRA-HSA
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
2182 Lakeshore Dr, Muskegon, MI 49441 1414
18 MO IRA Certificate
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 22, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
2182 Lakeshore Dr, Muskegon, MI 49441 1414
18 Month CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 22, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
615 W Maple Ave, Adrian, MI 49221 1630
18 MONTH CERTIFICATE
$3,000
3.55%
▼
Rate—
Min Deposit$3,000
Min Balance—
UpdatedJul 16, 2026
Details
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI 48091 4073
18 months
$0
3.54%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
6180 State St, Saginaw, MI 48603
18 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
630 32nd St SE, Grand Rapids, MI 49548 2306
18 month CD
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
630 32nd St SE, Grand Rapids, MI 49548 2306
18-month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
APY*. Rates are valid as of 7/14/2026 and subject to change without notice. Fees or penalties could reduce earnings. Early withdrawal penalty on 12-month term or longer is 180-days loss of interest.
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
6246 Chase Rd, Dearborn, MI 48126
18 Month Cert / IRA
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Dividends Paid: Monthly. Penalty: 180 days*
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
718 E Michigan Ave, Jackson, MI 49201
Share Certificate 18 Months
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
520 HAYDEN ST, SAGINAW, MI 48607
18 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
18 Month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
4866 Alpine Ave NW, Comstock Park, MI 49321 8579
18 Month IRA/HSA CD
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
VIP Bonus Rate: 3.590%, VIP Bonus APY: 3.65%
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
7665 Merriman Rd, Romulus, MI 48174 1920
CD: Tier III 18 months
$0
3.35%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
minimum $50,000
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
7665 Merriman Rd, Romulus, MI 48174 1920
CD: Tier IV 18 months
$0
3.35%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
minimum $100,000; Dividends Paid: annually
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
7665 Merriman Rd, Romulus, MI 48174 1920
CD: Tier V 18 months
$0
3.35%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
minimum $250,000; Dividends Paid: annually
Priority Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 21.95%
6000 28th St SE Ste 100, Grand Rapids, MI 49546 6927
18 Month CD
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
G3381 Van Slyke Rd, Flint, MI 48507 3263
18 Months
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
125 W Saginaw St, Merrill, MI 48637
18 Month CD
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
508 State St, Fremont, MI 49412
18 Month Variable IRA Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
CASE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
4316 S Pennsylvania Ave, Lansing, MI 48910
18 Month TDA or IRA TDA
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
4866 Alpine Ave NW, Comstock Park, MI 49321 8579
18 Month CD
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
VIP Bonus Rate: 3.445%, VIP Bonus APY: 3.50%
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
18 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Harborlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
2151 Cogswell Dr, Whitehall, MI 49461
18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
18 Month
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
6310 Dixie Hwy, Bridgeport, MI 48722
Hometown Hero 18 month
$250
3.20%
▼
Rate3.15%
Min Deposit$250
Min Balance—
UpdatedJul 16, 2026
Details
Dearborn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
22315 Michigan Ave, Dearborn, MI 48124
18 MONTH FIXED RATE IRA
$100
3.19%
▼
Rate3.15%
Min Deposit$100
Min Balance—
UpdatedJul 12, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
18 Month
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
600 E Lyon Rd, Midland, MI 48640 5396
18 Months
$0
3.03%
▼
Rate2.99%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Michigan 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
8171 E 10 Mile Rd, Center Line, MI 48015 1449
24 Month Certificate
$0
4.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
2-Year Certificate or IRA-HSA Jumbo
$0
4.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
65 W LAKETON AVE, MUSKEGON, MI 49441
IRA & SHARE CERTIFICATES 2 YEAR
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
2-Year Certificate or IRA-HSA
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
715 N Telegraph Rd, Monroe, MI 48162 5130
24 Month Youth CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Youth CDs are available for members 18 years and under. Certificate must be opened under youth's name and SSN. The CD must have the same joint member as the savings account it is tied to.
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
2 Year
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
2665 Reserve Rd, Houghton Lake, MI 48629
24 MONTH CD
$50,000
3.85%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedJul 25, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
Jumbo and Jumbo IRA Certificates 2 Years
$0
3.84%
▼
Rate3.79%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY* is subject to change at any time. Penalty for early withdrawal.
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI 48381
2 Year CD
$0
3.81%
▼
Rate3.76%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
9077 Charlotte Hwy, Portland, MI 48875
IRA Certificate 24 months
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
IRA Certificates 2 Years
$0
3.79%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
2665 Reserve Rd, Houghton Lake, MI 48629
ADD ON 24 MO CERT
$100
3.75%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedJul 25, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
IRA Certificate of Deposit - 24 Months
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
24-month CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Effective 7/1/26: 4.10% (6-month) rate, 3.90% (12-month) rate, and 3.75% (24-month) rate. 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: 5.57%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
24 Months
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
715 N Telegraph Rd, Monroe, MI 48162 5130
24 Month IRA CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
2665 Reserve Rd, Houghton Lake, MI 48629
24 MONTH CD
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
4411 Calkins Rd, Flint, MI 48532
24 Months Regular & IRA
$500
3.75%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Interest paid monthly; Interest paid quarterly
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
508 State St, Fremont, MI 49412
Share Certificate 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
715 N Telegraph Rd, Monroe, MI 48162 5130
24 Month CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
2 Year
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
9077 Charlotte Hwy, Portland, MI 48875
24 months
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Extra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
6611 Chicago Rd, Warren, MI 48092 1685
Fixed-Rate Certificates 24 Months
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Soo-Co-Op Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
4489 I 75 Business Spur, Sault Sainte Marie, MI 49783
24 Month
$0
3.65%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
IRAs - Regular Certificates 24 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
Regular Certificates 24 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
576 E Lincoln St, Birmingham, MI 48009 1757
2 Year CD
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedJul 16, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
576 E Lincoln St, Birmingham, MI 48009 1757
2 Year IRA CD
$4,000
3.60%
▼
Rate3.55%
Min Deposit$4,000
Min Balance—
UpdatedJul 16, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
3355 University Dr, Auburn Hills, MI 48326
24-Month Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
24 Months Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
211 W Center St, Alma, MI 48801 2206
24 Months
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJul 25, 2026
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
20252 Ecorse Rd, Taylor, MI 48180
I.R.A Certificates 2 year
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
715 Terrace St, Muskegon, MI 49440
24 month
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
615 W Maple Ave, Adrian, MI 49221 1630
24 MONTH CERTIFICATE
$3,000
3.55%
▼
Rate—
Min Deposit$3,000
Min Balance—
UpdatedJul 16, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
576 E Lincoln St, Birmingham, MI 48009 1757
2 Year CD
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
576 E Lincoln St, Birmingham, MI 48009 1757
2 Year IRA CD
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
2 Year
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
718 E Michigan Ave, Jackson, MI 49201
IRA Certificate 2 Year
$0
3.51%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
24 Month IRA Certificate
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Early Withdrawal Penalty: 180 days interest
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
20252 Ecorse Rd, Taylor, MI 48180
Youth Certificates 2 year
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply
Members First Credit Union Midland, MI
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
600 W Wackerly St, Midland, MI 48640 4702
24 Months
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
IRA Certificates 24 Month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Early Withdrawal Penalty: 180 days interest
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
IRA Certificate 24 Month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Early Withdrawal Penalty: 180 days interest
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
6180 State St, Saginaw, MI 48603
24 Month
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
24 Month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Early Withdrawal Penalty: 180 days interest
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
30400 Telegraph Rd Ste 122, Bingham Farms, MI 48025
24 Month IRA Certificate of Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
30400 Telegraph Rd Ste 122, Bingham Farms, MI 48025
24 Month Certificate of Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
718 E Michigan Ave, Jackson, MI 49201
Share Certificate 2 Year
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 26.46%
1086 Creston St, Muskegon, MI 49442
24 MONTH GOLDEN CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
520 HAYDEN ST, SAGINAW, MI 48607
24 Months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Michigan 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
508 State St, Fremont, MI 49412
Share Certificate 36 Month
$0
4.25%
▼
Rate4.17%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Technical Center, Saline, MI 48176
36-Month Variable
$0
4.12%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
Jumbo and Jumbo IRA Certificates 3 Years
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY* is subject to change at any time. Penalty for early withdrawal.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
IRA Certificates 3 Years
$0
4.01%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
715 N Telegraph Rd, Monroe, MI 48162 5130
36 Month Youth CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Youth CDs are available for members 18 years and under. Certificate must be opened under youth's name and SSN. The CD must have the same joint member as the savings account it is tied to.
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
3-Year Rising Rate Certificate of Deposit - Year 3 term
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
2665 Reserve Rd, Houghton Lake, MI 48629
36 MONTH CD
$50,000
3.90%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedJul 25, 2026
Details
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI 48381
3 Year
$0
3.88%
▼
Rate3.82%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
9077 Charlotte Hwy, Portland, MI 48875
IRA Certificate 36 months
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
3-Year Certificate or IRA-HSA Jumbo
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Extra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
6611 Chicago Rd, Warren, MI 48092 1685
Fixed-Rate Certificates 36 Months
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
2665 Reserve Rd, Houghton Lake, MI 48629
36 MONTH CD
$500
3.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
3-Year Certificate of Deposit
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
IRA Certificate 36 Month
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Early Withdrawal Penalty: 180 days interest
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
IRA Certificates 36 Month
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Early Withdrawal Penalty: 180 days interest
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
9077 Charlotte Hwy, Portland, MI 48875
36 months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
36 Month IRA Certificate
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Early Withdrawal Penalty: 180 days interest
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
36 Month
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Early Withdrawal Penalty: 180 days interest
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
4411 Calkins Rd, Flint, MI 48532
36 Months Regular & IRA
$500
3.75%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Interest paid monthly; Interest paid quarterly
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
3-Year Rising Rate Certificate of Deposit - Blended APY
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
3-Year Rising Rate Certificate of Deposit - Year 2 term
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
3-Year Certificate or IRA-HSA
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
3 Year
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
IRAs - Regular Certificates 36 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
Regular Certificates 36 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
211 W Center St, Alma, MI 48801 2206
36 Months
$1,000
3.61%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedJul 25, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
65 W LAKETON AVE, MUSKEGON, MI 49441
IRA & SHARE CERTIFICATES 3 YEAR
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
20252 Ecorse Rd, Taylor, MI 48180
I.R.A Certificates 3 year
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
36 Months Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
715 Terrace St, Muskegon, MI 49440
36 month
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
7665 Merriman Rd, Romulus, MI 48174 1920
CD: Tier V 36 months
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
minimum $250,000; Dividends Paid: annually
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
615 W Maple Ave, Adrian, MI 49221 1630
36 MONTH CERTIFICATE
$3,000
3.55%
▼
Rate—
Min Deposit$3,000
Min Balance—
UpdatedJul 16, 2026
Details
Gogebic Range Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.26%
207 Cedar Street, Ewen, MI 49925
36 Month CD
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Gogebic Range Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.26%
207 Cedar Street, Ewen, MI 49925
Business 36 Month CD
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Gogebic Range Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.26%
207 Cedar Street, Ewen, MI 49925
IRA 36 Month CD
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJul 20, 2026
Details
Settlers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
14623 State Highway M28 E, Bruce Crossing, MI 49912 9296
36 Month Share Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
500 E Lafayette Blvd, Detroit, MI 48226
Business 3-Year
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
4866 Alpine Ave NW, Comstock Park, MI 49321 8579
36 Month IRA/HSA CD
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
VIP Bonus Rate: 3.687%, VIP Bonus APY: 3.75%
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
IRA Certificate of Deposit - 36 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
36 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Members First Credit Union Midland, MI
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
600 W Wackerly St, Midland, MI 48640 4702
36 Months
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
7665 Merriman Rd, Romulus, MI 48174 1920
CD: Tier IV 36 months
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
minimum $100,000; Dividends Paid: annually
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
500 E Lafayette Blvd, Detroit, MI 48226
3-year
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Technical Center, Saline, MI 48176
36-Month Fixed
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Technical Center, Saline, MI 48176
36-Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 26.46%
1086 Creston St, Muskegon, MI 49442
36 MO GOLDEN CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
7665 Merriman Rd, Romulus, MI 48174 1920
CD: Tier III 36 months
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
minimum $50,000
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
3355 University Dr, Auburn Hills, MI 48326
36-Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
36 Month
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
IRA - 36 Month
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Michigan 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
508 State St, Fremont, MI 49412
Share Certificate 48 Month
$0
4.50%
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
Jumbo and Jumbo IRA Certificates 4 Years
$0
4.09%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY* is subject to change at any time. Penalty for early withdrawal.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
IRA Certificates 4 Years
$0
4.04%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
2665 Reserve Rd, Houghton Lake, MI 48629
48 MONTH CD
$50,000
3.95%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedJul 25, 2026
Details
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI 48381
4 Year CD
$0
3.92%
▼
Rate3.86%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
4-Year Certificate or IRA-HSA Jumbo
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
2665 Reserve Rd, Houghton Lake, MI 48629
48 MONTH CD
$500
3.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
IRAs - Regular Certificates 48 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
Regular Certificates 48 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
7665 Merriman Rd, Romulus, MI 48174 1920
CD: Tier V 48 months
$0
3.70%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
minimum $250,000; Dividends Paid: annually
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
4-Year Certificate or IRA-HSA
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
211 W Center St, Alma, MI 48801 2206
48 Months
$1,000
3.66%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedJul 25, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
4866 Alpine Ave NW, Comstock Park, MI 49321 8579
48 Month IRA/HSA CD
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
VIP Bonus Rate: 3.832%, VIP Bonus APY: 3.90%
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
65 W LAKETON AVE, MUSKEGON, MI 49441
IRA & SHARE CERTIFICATES 4 YEAR
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
7665 Merriman Rd, Romulus, MI 48174 1920
CD: Tier III 48 months
$0
3.65%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
minimum $50,000
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
7665 Merriman Rd, Romulus, MI 48174 1920
CD: Tier IV 48 months
$0
3.65%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
minimum $100,000; Dividends Paid: annually
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
IRA - 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
520 HAYDEN ST, SAGINAW, MI 48607
48 Months
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
48 Months Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
20252 Ecorse Rd, Taylor, MI 48180
I.R.A Certificates 4 year
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
615 W Maple Ave, Adrian, MI 49221 1630
48 MONTH CERTIFICATE
$3,000
3.55%
▼
Rate—
Min Deposit$3,000
Min Balance—
UpdatedJul 16, 2026
Details
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 26.46%
1086 Creston St, Muskegon, MI 49442
48 MO GOLDEN CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Members First Credit Union Midland, MI
Institution Rating:
A5.0 ★Texas Ratio: 7.98%
600 W Wackerly St, Midland, MI 48640 4702
48 Months
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
IRA Certificate 48 Month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Early Withdrawal Penalty: 180 days interest
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
4866 Alpine Ave NW, Comstock Park, MI 49321 8579
48 Month CD
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
VIP Bonus Rate: 3.687%, VIP Bonus APY: 3.75%
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
IRA Certificate of Deposit - 48 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
48 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
IRA Certificates 48 Month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Early Withdrawal Penalty: 180 days interest
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
715 Terrace St, Muskegon, MI 49440
48 month
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
48 Month IRA Certificate
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Early Withdrawal Penalty: 180 days interest
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
48 Month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Early Withdrawal Penalty: 180 days interest
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
500 E Lafayette Blvd, Detroit, MI 48226
Business 4-Year
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
500 E Lafayette Blvd, Detroit, MI 48226
4-year
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Technical Center, Saline, MI 48176
48-Month Fixed
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Technical Center, Saline, MI 48176
48-Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
CASE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
4316 S Pennsylvania Ave, Lansing, MI 48910
4 Year TDA or IRA TDA
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
718 E Michigan Ave, Jackson, MI 49201
Share Certificate 4 Year
$0
3.40%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
718 E Michigan Ave, Jackson, MI 49201
IRA Certificate 4 Year
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
630 32nd St SE, Grand Rapids, MI 49548 2306
48 month CD
$500
3.40%
▼
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
4 Year
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
2900 W South Airport Rd, Traverse City, MI 49684 4611
48 Month CD
$500
3.39%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Rate with Direct Deposit: 3.55%, APY with Direct Deposit: 3.60%
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
3767 Sparks Dr SE, Grand Rapids, MI 49546
48 Month Term CD
$10,000
3.39%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedJul 25, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
576 E Lincoln St, Birmingham, MI 48009 1757
4 Year CD
$10,000
3.34%
▼
Rate3.30%
Min Deposit$10,000
Min Balance—
UpdatedJul 16, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
576 E Lincoln St, Birmingham, MI 48009 1757
4 Year IRA CD
$4,000
3.34%
▼
Rate3.30%
Min Deposit$4,000
Min Balance—
UpdatedJul 16, 2026
Details
Harborlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
2151 Cogswell Dr, Whitehall, MI 49461
4 Year Jumbo
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
20252 Ecorse Rd, Taylor, MI 48180
Jumbo Certificates 4 year
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
3767 Sparks Dr SE, Grand Rapids, MI 49546
48 Month Term CD
$10,000
3.30%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedJul 25, 2026
Details
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
3767 Sparks Dr SE, Grand Rapids, MI 49546
48 Month Term CD
$0
3.29%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
576 E Lincoln St, Birmingham, MI 48009 1757
4 Year IRA CD
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Michigan 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
508 State St, Fremont, MI 49412
Share Certificate 60 Month
$0
4.50%
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
Jumbo and Jumbo IRA Certificates 5 Years
$0
4.08%
▼
Rate4.02%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
APY* is subject to change at any time. Penalty for early withdrawal.
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
6640 Bay Rd, Saginaw, MI 48604
Jumbo Certificates 60 months
$0
4.07%
▼
Rate3.99%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice.
Extra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
6611 Chicago Rd, Warren, MI 48092 1685
Fixed-Rate Certificates 60 Months
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
IRA Certificates 5 Years
$0
4.03%
▼
Rate3.97%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI 48381
5 Year
$0
3.96%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
2665 Reserve Rd, Houghton Lake, MI 48629
60 MONTH CD
$50,000
3.95%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedJul 25, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
5-Year Certificate or IRA-HSA Jumbo
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
4866 Alpine Ave NW, Comstock Park, MI 49321 8579
60 Month IRA/HSA CD
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
VIP Bonus Rate: 4.073%, VIP Bonus APY: 4.15%
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
Regular Certificates 60 Month
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
2665 Reserve Rd, Houghton Lake, MI 48629
60 MONTH CD
$500
3.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
IRAs - Regular Certificates 60 Month
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3089 44th St SW, Grandville, MI 49418 2501
60 Month CD
$0
3.85%
▼
Rate3.79%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
7665 Merriman Rd, Romulus, MI 48174 1920
CD: Tier III 60 months
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
minimum $50,000
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
7665 Merriman Rd, Romulus, MI 48174 1920
CD: Tier IV 60 months
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
minimum $100,000; Dividends Paid: annually
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
7665 Merriman Rd, Romulus, MI 48174 1920
CD: Tier V 60 months
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
minimum $250,000; Dividends Paid: annually
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
5-Year Certificate or IRA-HSA
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
4866 Alpine Ave NW, Comstock Park, MI 49321 8579
60 Month CD
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
VIP Bonus Rate: 3.928%, VIP Bonus APY: 4.00%
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
211 W Center St, Alma, MI 48801 2206
60 Months
$1,000
3.71%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedJul 25, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
65 W LAKETON AVE, MUSKEGON, MI 49441
IRA & SHARE CERTIFICATES 5 YEAR
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
60 Month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
IRA - 60 Month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
60 Months Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
20252 Ecorse Rd, Taylor, MI 48180
I.R.A Certificates 5 year
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
6640 Bay Rd, Saginaw, MI 48604
60 Months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice.
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 26.46%
1086 Creston St, Muskegon, MI 49442
60 MO GOLDEN CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
615 W Maple Ave, Adrian, MI 49221 1630
60 MONTH CERTIFICATE
$3,000
3.55%
▼
Rate—
Min Deposit$3,000
Min Balance—
UpdatedJul 16, 2026
Details
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
6230 Orchard Lake Rd, West Bloomfield, MI 48322
60 Month
$0
3.54%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
6230 Orchard Lake Rd, West Bloomfield, MI 48322
IRA Certificate 60 Month
$0
3.54%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
IRA Certificate of Deposit - 60 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
60 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
3767 Sparks Dr SE, Grand Rapids, MI 49546
60 Month Term CD
$10,000
3.50%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedJul 25, 2026
Details
Soo-Co-Op Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
4489 I 75 Business Spur, Sault Sainte Marie, MI 49783
60 Month
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
520 HAYDEN ST, SAGINAW, MI 48607
60 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
IRA Certificates 60 Month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Early Withdrawal Penalty: 180 days interest
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
IRA Certificate 60 Month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Early Withdrawal Penalty: 180 days interest
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
60 Months
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Early Withdrawal Penalty: 180 days interest
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
60 Month IRA Certificate
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Early Withdrawal Penalty: 180 days interest
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
60 Month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Early Withdrawal Penalty: 180 days interest
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
500 E Lafayette Blvd, Detroit, MI 48226
Business 5-Year
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
500 E Lafayette Blvd, Detroit, MI 48226
5-year
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Technical Center, Saline, MI 48176
60-Month Fixed
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Toyota Technical Center, Saline, MI 48176
60-Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
2182 Lakeshore Dr, Muskegon, MI 49441 1414
60 Month CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 22, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
2182 Lakeshore Dr, Muskegon, MI 49441 1414
60 MO IRA Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 22, 2026
Details
Dearborn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
22315 Michigan Ave, Dearborn, MI 48124
5 YEAR IRA
$250
3.50%
▼
Rate3.50%
Min Deposit$250
Min Balance—
UpdatedJul 12, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
715 Terrace St, Muskegon, MI 49440
60 month
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
2303 S Center Rd, Burton, MI 48519 1147
60-Month Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
2900 W South Airport Rd, Traverse City, MI 49684 4611
60 Month CD
$500
3.44%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Rate with Direct Deposit: 3.60%, APY with Direct Deposit: 3.65%
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
3767 Sparks Dr SE, Grand Rapids, MI 49546
60 Month Term CD
$10,000
3.40%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedJul 25, 2026
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Michigan CD Rate Trends
Compare local Michigan CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — MI Avg
3.027%
▲ 0.099 vs 7 days ago
Michigan 12-month CD rates rose 0.099 points over the past 7 days to 3.027% APY.
6-Month CD — MI Avg
2.823%
▲ 0.138 vs 7 days ago
Michigan 6-month CD rates rose 0.138 points over the past 7 days to 2.823% APY.
As of Jul 26, 2026 • Rate data sourced from 8,500+ monitored institutions
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MI CD Rate Forecast — Next 12 Months
Where are Michigan CD rates headed through July 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MI 12-Month Avg APY
3.027%
6-Month Forecast
3.027%
Range: 2.83% – 3.18%
12-Month Forecast
2.777%
Range: 2.58% – 2.93%
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What Your Savings Earn at MI CD Rates Today
Annual interest earnings at today’s Michigan average APYs. State average used where available; national average as fallback.
| CD Term | MI Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.568% | $128.39 | $256.78 | $641.95 | $1,283.90 |
| 6-Month CD | 2.823% | $141.14 | $282.27 | $705.68 | $1,411.35 |
| 12-Month CD | 3.027% | $151.37 | $302.74 | $756.85 | $1,513.70 |
| 18-Month CD | 3.051% | $152.54 | $305.08 | $762.70 | $1,525.40 |
| 24-Month CD | 2.953% | $147.66 | $295.31 | $738.28 | $1,476.55 |
| 36-Month CD | 2.988% | $149.39 | $298.77 | $746.93 | $1,493.85 |
| 48-Month CD | 2.979% | $148.95 | $297.90 | $744.75 | $1,489.50 |
| 60-Month CD | 3.065% | $153.27 | $306.53 | $766.33 | $1,532.65 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of July 25, 2026. | |||||
Sample CD Ladder for 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 | 2.568% | $128.39 |
| 2 | 6-Month CD | $5,000 | 2.823% | $141.14 |
| 3 | 12-Month CD | $5,000 | 3.027% | $151.37 |
| 4 | 24-Month CD | $5,000 | 2.953% | $147.66 |
| 5 | 36-Month CD | $5,000 | 2.988% | $149.39 |
| Total ($25,000 invested) | $25,000 | 2.872% blended | $717.95/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.
1,093
CD Rates
Tracked in Michigan
Tracked in Michigan
18 Banks
85 Credit Unions
About Our Michigan CD Rate Database
MonitorBankRates tracks 1,093 CD rates from 18 banks and 85 credit unions with locations in 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: Diversified Members Credit Union offers a CD at 5.15% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Michigan.
How to Find the Best CD Rates in Michigan
What to compare when shopping for a CD in Michigan
To find the best APYs in Michigan, start with credit unions and online-only banks — Michigan has 85 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 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 Michigan — 103 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Michigan savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Michigan money market rates
Michigan Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
18.6%
National avg: 17.3%
Median Individual Earnings
$42,935
National avg: $47,340
Poverty Rate
13.2%
National avg: 11.1%
Unemployment Rate
5.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$130/yr
At MI 12-mo avg 3.027% APY
18.6% of residents are 65 or older, in line with the national average of 17.3%. At today’s MI 12-month CD average of 3.027%, saving 10% of the local median salary ($4,293/year) and putting it in a CD would earn an additional $130 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 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 |
How Certificates of Deposit Work in Michigan
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Michigan typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Michigan as everywhere in the U.S.
Choosing a CD Term in Michigan
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Michigan savers easier access to their funds. For example, United Financial Credit Union is offering its 6 month - 4H or FFA CD at 5.05% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Gerber Federal Credit Union is offering its Share Certificate 60 Month at 4.50% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Michigan Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Michigan saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Michigan
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Michigan CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Michigan
Most CDs carry a fixed rate that is locked for the entire term, protecting a Michigan depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Michigan
Are CD rates in Michigan FDIC insured?
Yes, most established banks in 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 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 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 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 Michigan?
Here are recent top rates found for this area:
- Diversified Members Credit Union: 5.15% APY (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)
- Best Financial Credit Union: 5.00% APY (12 Month Super Kids)
- Gerber Federal Credit Union: 4.50% APY (Share Certificate 48 Month)
- People Driven Credit Union: 4.50% APY (1 Year Youth)
- Wolverine State Credit Union: 4.34% APY (1 YEAR YOUTH CD)
- Public Service Credit Union: 4.32% APY (Jumbo CD 3 Months)
- Christian Financial Credit Union: 4.20% APY (24 Month Certificate)
- CIBC: 4.15% APY (18-month CD)
Rates reflect recent verified offers available in Michigan. Last Updated: July 25, 2026
CD Calculators for Michigan
Michigan CD Calculator
At today’s MI top rate of 5.15% APY, a $10,000 deposit earns $515 in the first year. Enter your amount to see your exact return.
Michigan CD LadderMI CD rates currently range from 2.568% (3-month) to 2.988% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Michigan CD at 5.15% 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 3.027% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Michigan CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Michigan directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in 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: July 25, 2026
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