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CD Rate Trends

Bay City, Michigan Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 23, 2026

Bay City, Michigan CD rates range from 0.01% to 5.25% APY, verified by MonitorBankRates as of October 23, 2026. Current Bay City, Michigan CD rates include United Financial Credit UnionUnited Financial Credit Union6354 Westside Saginaw Rd, Bay City, MI 48706 9394A+5.0 ★Texas Ratio: 5.54%Real return: +1.35%APY minus CPIRate verified Oct 19, 2026 offering 6 month - 4H or FFA CD at 5.05% APY, Lake Huron Credit UnionLake Huron Credit Union314 E Midland St, Bay City, MI 48706A5.0 ★Texas Ratio: 6.25%Real return: +0.80%APY minus CPIRate verified Oct 19, 2026 offering 24 Month Certificate of Deposit at 4.50% APY, Wildfire Credit UnionWildfire Credit Union2936 Wilder Rd, Bay City, MI 48706A+5.0 ★Texas Ratio: 3.16%Real return: +0.37%APY minus CPIRate verified Oct 19, 2026 offering 60 Month Business Jumbo Certificates at 4.07% APY, Financial Plus Credit Union Flint, MIFinancial Plus Credit Union Flint, MI4129 N Euclid Ave, Bay City, MI 48706A+5.0 ★Texas Ratio: 2.74%Real return: +0.25%APY minus CPIRate verified Oct 19, 2026 offering 12 Month Youth CD at 3.95% APY, and Independent BankIndependent Bank745 N Euclid Ave, Bay City, MI 48706A5.0 ★Texas Ratio: 6.46%Real return: +0.06%APY minus CPIRate verified Oct 20, 2026 offering 3-Month CD Special at 3.76% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.

Bay City has 278 local institutions in our database, with CD rates as high as 5.05% APY from United Financial Credit Union at 6354 Westside Saginaw Rd, Bay City, MI 48706 9394. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Michigan area. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 23, 2026

Compare Best CD Rates in Bay City, Michigan & the Surrounding Area

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Bay City 3 Month CD Rates

Michigan 3 Month CD Average2.14% APYNational 2.13%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Independent Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
745 N Euclid Ave, Bay City, MI 48706
3-Month CD Special
$0
3.76% ▲ 1.62% above Michigan avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.14%▲ 1.62% above avgNationally 2.13%
Details

Interest Tier: $1,000 minimum; Effective October 14, 2026

Rate History
2 changes since Sep 18, 2026 · 3.56% → 3.76% ▲ 0.20 pts · high 3.76% / low 3.56%
3.06%3.66%4.26%Sep 18, 2026: 3.56% APYSep 24, 2026: 3.66% APYOct 2, 2026: 3.76% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20263.76%▲ from 3.66%
  • Sep 24, 20263.66%▲ from 3.56%
  • Sep 18, 20263.56%first recorded
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
800 N Euclid Ave, Bay City, MI 48706
3 Month CD-Certificate of Deposit
$0
2.95% ▲ 0.81% above Michigan avg
View
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 0.81% above avgNationally 2.13%
Details

Balance: $250,000 and up

Rate History
No change since Sep 22, 2026 · 2.95% APY · checked 7 times
2.45%2.95%3.45%Sep 22, 2026: 2.95% APYSep 22, 2026Oct 25, 2026
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
800 N Euclid Ave, Bay City, MI 48706
3 Month CD-Certificate of Deposit
$0
2.90% ▲ 0.76% above Michigan avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 0.76% above avgNationally 2.13%
Details

Balance: $150,000 - $249,000

Rate History
No change since Sep 22, 2026 · 2.90% APY · checked 7 times
2.40%2.90%3.40%Sep 22, 2026: 2.90% APYSep 22, 2026Oct 25, 2026
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
800 N Euclid Ave, Bay City, MI 48706
3 Month CD-Certificate of Deposit
$0
2.85% ▲ 0.71% above Michigan avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 0.71% above avgNationally 2.13%
Details

Balance: $100,000 - $149,000

Rate History
No change since Sep 22, 2026 · 2.85% APY · checked 7 times
2.35%2.85%3.35%Sep 22, 2026: 2.85% APYSep 22, 2026Oct 25, 2026
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
800 N Euclid Ave, Bay City, MI 48706
3 Month CD-Certificate of Deposit
$0
2.80% ▲ 0.66% above Michigan avg
View
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 0.66% above avgNationally 2.13%
Details

Balance: $500 - $99,999

Rate History
No change since Sep 22, 2026 · 2.80% APY · checked 7 times
2.30%2.80%3.30%Sep 22, 2026: 2.80% APYSep 22, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
3 Month Regular CD
$1,000
2.25% ▲ 0.11% above Michigan avg
View
▼
Rate2.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 0.11% above avgNationally 2.13%
Details

Balance: $500,000.00 and over; Shared heading: Regular CD / Traditional IRA CD & Roth IRA CD Accounts

Rate History
No change since Oct 13, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Oct 13, 2026: 2.25% APYOct 13, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
3-Month CD
$1,000
2.25% ▲ 0.11% above Michigan avg
View
▼
Rate2.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 0.11% above avgNationally 2.13%
Details

Balance: $500,000.00 and over; Minimum Opening Balance: $1,000.00; CD, Traditional IRA CD & Roth IRA CD Accounts

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 6 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
3 Month Regular CD
$1,000
2.20% ▲ 0.06% above Michigan avg
View
▼
Rate2.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 0.06% above avgNationally 2.13%
Details

Balance: $250,000.00 - $499,999.99; Regular CD / Traditional IRA CD & Roth IRA CD Accounts

Rate History
1 change since Oct 13, 2026 · 2.25% → 2.20% ▼ 0.05 pts · high 2.25% / low 2.20%
1.70%2.23%2.75%Oct 13, 2026: 2.25% APYOct 19, 2026: 2.20% APYOct 13, 2026Oct 25, 2026
  • Oct 19, 20262.20%▼ from 2.25%
  • Oct 13, 20262.25%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
3-Month CD
$1,000
2.20% ▲ 0.06% above Michigan avg
View
▼
Rate2.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 0.06% above avgNationally 2.13%
Details

Tier: $250,000.00 - $499,999.99

Rate History
No change since Sep 14, 2026 · 2.20% APY · checked 6 times
1.70%2.20%2.70%Sep 14, 2026: 2.20% APYSep 14, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
3 Month Regular CD
$1,000
2.15% ▲ 0.01% above Michigan avg
View
▼
Rate2.13%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 0.01% above avgNationally 2.13%
Details

Balance: $100,000.00 - $249,999.99; Dividends compounded and credited monthly; Regular CD / Traditional IRA CD & Roth IRA CD Accounts

Rate History
1 change since Oct 13, 2026 · 2.10% → 2.15% ▲ 0.05 pts · high 2.15% / low 2.10%
1.60%2.13%2.65%Oct 13, 2026: 2.10% APYOct 19, 2026: 2.15% APYOct 13, 2026Oct 25, 2026
  • Oct 19, 20262.15%▲ from 2.10%
  • Oct 13, 20262.10%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
3-Month CD
$1,000
2.15% ▲ 0.01% above Michigan avg
View
▼
Rate2.13%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 0.01% above avgNationally 2.13%
Details

Balance tier $100,000.00 - $249,999.99; minimum balance to earn dividends matches the $1,000 minimum opening balance; CD, Traditional IRA CD & Roth IRA CD Accounts

Rate History
1 change since Sep 14, 2026 · 2.20% → 2.15% ▼ 0.05 pts · high 2.20% / low 2.15%
1.65%2.18%2.70%Sep 14, 2026: 2.20% APYOct 19, 2026: 2.15% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20262.15%▼ from 2.20%
  • Sep 14, 20262.20%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
3 Month Regular CD
$1,000
2.10% ▼ 0.04% below Michigan avg
View
▼
Rate2.08%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▼ 0.04% below avgNationally 2.13%
Details

Balance: $30,000.00 - 99,999.99; Regular CD / Traditional IRA CD & Roth IRA CD Accounts

Rate History
No change since Oct 13, 2026 · 2.10% APY · checked 2 times
1.60%2.10%2.60%Oct 13, 2026: 2.10% APYOct 13, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
3 Month Roth IRA CD
$1,000
2.10% ▼ 0.04% below Michigan avg
View
▼
Rate2.08%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▼ 0.04% below avgNationally 2.13%
Details

Balance: $30,000.00 - 99,999.99

Rate History
No change since Oct 19, 2026 · 2.10% APY
1.60%2.10%2.60%Oct 19, 2026: 2.10% APYOct 19, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
3 Month Traditional IRA CD
$1,000
2.10% ▼ 0.04% below Michigan avg
View
▼
Rate2.08%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▼ 0.04% below avgNationally 2.13%
Details

Balance: $30,000.00 - 99,999.99

Rate History
No change since Oct 19, 2026 · 2.10% APY
1.60%2.10%2.60%Oct 19, 2026: 2.10% APYOct 19, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
3-Month CD
$1,000
2.10% ▼ 0.04% below Michigan avg
View
▼
Rate2.08%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▼ 0.04% below avgNationally 2.13%
Details

Balance: $30,000.00 - 99,999.99; CD, Traditional IRA CD & Roth IRA CD Accounts

Rate History
1 change since Sep 14, 2026 · 2.20% → 2.10% ▼ 0.10 pts · high 2.20% / low 2.10%
1.60%2.15%2.70%Sep 14, 2026: 2.20% APYOct 19, 2026: 2.10% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20262.10%▼ from 2.20%
  • Sep 14, 20262.20%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
3 Month Regular CD
$1,000
2.05% ▼ 0.09% below Michigan avg
View
▼
Rate2.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▼ 0.09% below avgNationally 2.13%
Details

Balance: $1,000.00 - $29,999.99; Minimum Opening Balance & Balance to Earn Dividends: $1,000.00

Rate History
1 change since Oct 13, 2026 · 2.10% → 2.05% ▼ 0.05 pts · high 2.10% / low 2.05%
1.55%2.08%2.60%Oct 13, 2026: 2.10% APYOct 19, 2026: 2.05% APYOct 13, 2026Oct 25, 2026
  • Oct 19, 20262.05%▼ from 2.10%
  • Oct 13, 20262.10%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
3-Month CD
$1,000
2.05% ▼ 0.09% below Michigan avg
View
▼
Rate2.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▼ 0.09% below avgNationally 2.13%
Details

Balance: $1,000.00 - $29,999.99; Also available as Traditional IRA CD and Roth IRA CD; CD, Traditional IRA CD & Roth IRA CD Accounts

Rate History
1 change since Sep 14, 2026 · 2.20% → 2.05% ▼ 0.15 pts · high 2.20% / low 2.05%
1.55%2.13%2.70%Sep 14, 2026: 2.20% APYOct 19, 2026: 2.05% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20262.05%▼ from 2.20%
  • Sep 14, 20262.20%first recorded
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
401 E MIDLAND ST, BAY CITY, MI 48706
3 Month Certificate of Deposit
$0
1.00% ▼ 1.14% below Michigan avg
View
▼
Rate0.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▼ 1.14% below avgNationally 2.13%
Details

Rate History
No change since Oct 13, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 13, 2026: 1.00% APYOct 13, 2026Oct 25, 2026
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
915 S Euclid Ave, Bay City, MI 48706
3 Month Share Certificate
$0
0.50% ▼ 1.64% below Michigan avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▼ 1.64% below avgNationally 2.13%
Details

Compounded/Paid: Monthly/Monthly

Rate History
No change since Sep 22, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Sep 22, 2026: 0.50% APYSep 22, 2026Oct 25, 2026
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
915 S Euclid Ave, Bay City, MI 48706
Traditional and Roth IRA Share Certificate - 3 Month
$0
0.50% ▼ 1.64% below Michigan avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▼ 1.64% below avgNationally 2.13%
Details

Compounded/Paid: Monthly/Monthly

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 25, 2026
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
915 S Euclid Ave, Bay City, MI 48706
Youth 3 Month Share Certificate
$0
0.50% ▼ 1.64% below Michigan avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▼ 1.64% below avgNationally 2.13%
Details

Youth; Compounded/Paid: Monthly/Monthly; Subsequent deposits allowed; minors 17 or younger minimum $100.00

Rate History
No change since Sep 22, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 22, 2026: 0.50% APYSep 22, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
Certificate of Deposit - 3 Months
$1,000
0.03% ▼ 2.11% below Michigan avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.14%▼ 2.11% below avgNationally 2.13%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
Certificate of Deposit - 3 Months
$1,000
0.02% ▼ 2.12% below Michigan avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.14%▼ 2.12% below avgNationally 2.13%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
Certificate of Deposit - 3 Months
$1,000
0.01% ▼ 2.13% below Michigan avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.14%▼ 2.13% below avgNationally 2.13%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Simple CD - 3 Months
$500
4.35% ▲ 2.21% above Michigan avg
View
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 2.21% above avgNationally 2.13%
Details

Starting minimum deposit of $500; not eligible for Member Saver Reward

Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 14, 2026: 4.35% APYOct 14, 2026Oct 25, 2026
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
IRA Jumbo CD 3 Months
$3,000,000
4.32% ▲ 2.18% above Michigan avg
View
▼
Rate4.25%
Min Deposit$3,000,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 2.18% above avgNationally 2.13%
Details

Dividends: Quarterly; Max: $6,000,000

Rate History
No change since Oct 19, 2026 · 4.32% APY
3.82%4.32%4.82%Oct 19, 2026: 4.32% APYOct 19, 2026Oct 25, 2026
First State Bank (MI)
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
Jumbo CD - 90 Days
$0
4.10% ▲ 1.96% above Michigan avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.14%▲ 1.96% above avgNationally 2.13%
Details

Rates current as of October 20, 2026

Rate History
No change since Sep 19, 2026 · 4.10% APY · checked 9 times
3.60%4.10%4.60%Sep 19, 2026: 4.10% APYSep 19, 2026Oct 25, 2026
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
3-Month HYRC Certificate
$0
4.10% ▲ 1.96% above Michigan avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 1.96% above avgNationally 2.13%
Details

Qualifications Required; High-Yield Rewards Checking Account required; $1,000 minimum

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.10% APYSep 18, 2026Oct 25, 2026
  • Sep 27, 20264.10%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
IRA Jumbo CD 3 Months
$500,000
4.06% ▲ 1.92% above Michigan avg
View
▼
Rate4.00%
Min Deposit$500,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 1.92% above avgNationally 2.13%
Details

Dividends: Quarterly; Max: $6,000,000

Rate History
No change since Oct 19, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 19, 2026: 4.06% APYOct 19, 2026Oct 25, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3-Month and 6-Month Certificate
$1,000
4.00% ▲ 1.86% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.14%▲ 1.86% above avgNationally 2.13%
Details

Limited time promotional yield on new certificates; IRA share certificates do not qualify; no additional deposits; substantial early withdrawal penalty applies

Rate History
No change since Oct 20, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 25, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3-Month Share Certificate
$0
4.00% ▲ 1.86% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.14%▲ 1.86% above avgNationally 2.13%
Details

Limited time promotional yield; APY calculated on a 3.93% base rate; new certificates only; membership eligibility required; IRA share certificates do not qualify; no additional deposits during term; rolls over to 3-Month Certificate at available rates

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 25, 2026
West Shore Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
CD Specials - 3 Month
$500
3.90% ▲ 1.76% above Michigan avg
View
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Michigan Average2.14%▲ 1.76% above avgNationally 2.13%
Details

Minimum balance to open & obtain APY; APY is accurate as of 10/16/2026

Rate History
No change since Sep 11, 2026 · 3.90% APY · checked 8 times
3.40%3.90%4.40%Sep 11, 2026: 3.90% APYSep 11, 2026Oct 25, 2026
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Certificate of Deposit - 3 Month
$0
3.85% ▲ 1.71% above Michigan avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.14%▲ 1.71% above avgNationally 2.13%
Details

Rate History
1 change since Sep 18, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60%
3.10%3.72%4.35%Sep 18, 2026: 3.60% APYSep 24, 2026: 3.85% APYSep 18, 2026Oct 25, 2026
  • Sep 24, 20263.85%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Time Certificate of Deposit - 3 Month
$0
3.85% ▲ 1.71% above Michigan avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.14%▲ 1.71% above avgNationally 2.13%
Details

East Lansing Rates

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 25, 2026
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
3-Month Certificate
$0
3.85% ▲ 1.71% above Michigan avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 1.71% above avgNationally 2.13%
Details

$1,000 minimum

Rate History
1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 18, 2026: 3.75% APYSep 27, 2026: 3.85% APYSep 18, 2026Oct 25, 2026
  • Sep 27, 20263.85%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
3 month Business Share Certificates
$0
3.75% ▲ 1.61% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 1.61% above avgNationally 2.13%
Details

Balance: $1,000 to $24,999

Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 25, 2026
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
3 Month Share Certificates
$0
3.75% ▲ 1.61% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 1.61% above avgNationally 2.13%
Details

Balance: $1,000 to $24,999

Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 25, 2026
St Francis X Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
3 Month CD & IRA CD
$0
3.60% ▲ 1.46% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.14%▲ 1.46% above avgNationally 2.13%
Details

Second Tier APY; Balance: $100,000+

Rate History
No change since Sep 12, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 12, 2026: 3.60% APYSep 12, 2026Oct 25, 2026
Highpoint Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
CD - 90 Day (3 Month)
$500
3.55% ▲ 1.41% above Michigan avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Michigan Average2.14%▲ 1.41% above avgNationally 2.13%
Details

Minimum balance of $500 required to obtain stated APY; Penalty may be imposed for early withdrawal

Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Oct 14, 2026: 3.55% APYOct 14, 2026Oct 25, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Month IRA/HSA CD - VIP Bonus
$500
3.55% ▲ 1.41% above Michigan avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 1.41% above avgNationally 2.13%
Details

VIP Relationship Reward Bonus; Rates as of 10/18/26

Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 25, 2026
Honor Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3 Month CD
$1,000
3.50% ▲ 1.36% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.14%▲ 1.36% above avgNationally 2.13%
Details

Certificates of Deposit: $1,000 minimum to open; $1,000 minimum balance to obtain stated APY; rate and APY fixed for the term; limited to $250,000 per household; penalty may apply for early withdrawal

Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 25, 2026
St Francis X Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
3 Month CD & IRA CD
$0
3.50% ▲ 1.36% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.14%▲ 1.36% above avgNationally 2.13%
Details

First Tier APY

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 25, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
3-Month Certificate or IRA-HSA Jumbo
$0
3.40% ▲ 1.26% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.14%▲ 1.26% above avgNationally 2.13%
Details

Valid thru 10/25/2026

Rate History
1 change since Sep 18, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15%
2.65%3.28%3.90%Sep 18, 2026: 3.15% APYSep 25, 2026: 3.40% APYSep 18, 2026Oct 25, 2026
  • Sep 25, 20263.40%▲ from 3.15%
  • Sep 18, 20263.15%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Month CD - VIP Bonus
$0
3.40% ▲ 1.26% above Michigan avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 1.26% above avgNationally 2.13%
Details

VIP Relationship Reward Bonus rate; where noted, CD rates include 0.25% MORE VIP Relationship Reward Bonus

Rate History
No change since Oct 13, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 25, 2026
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Jumbo Term Share Certificates - 3 Months
$0
3.40% ▲ 1.26% above Michigan avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 1.26% above avgNationally 2.13%
Details

Subject to penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 25, 2026
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Term Share Certificates - 3 Months
$0
3.40% ▲ 1.26% above Michigan avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 1.26% above avgNationally 2.13%
Details

Subject to penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 8 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 25, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Month IRA/HSA CD
$500
3.30% ▲ 1.16% above Michigan avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 1.16% above avgNationally 2.13%
Details

Rates as of 10/18/26

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 25, 2026
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
90 Day Certificate
$500
3.29% ▲ 1.15% above Michigan avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.14%▲ 1.15% above avgNationally 2.13%
Details

Interest compounded and credited quarterly

Rate History
No change since Sep 18, 2026 · 3.29% APY · checked 8 times
2.79%3.29%3.79%Sep 18, 2026: 3.29% APYSep 18, 2026Oct 25, 2026
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
90 Day Youth Certificate
$100
3.29% ▲ 1.15% above Michigan avg
View
▼
Rate3.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.14%▲ 1.15% above avgNationally 2.13%
Details

Youth certificate (ages 19 and younger); interest compounded and credited quarterly

Rate History
No change since Oct 20, 2026 · 3.29% APY
2.79%3.29%3.79%Oct 20, 2026: 3.29% APYOct 20, 2026Oct 25, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
3-Month Certificate or IRA-HSA
$0
3.25% ▲ 1.11% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.14%▲ 1.11% above avgNationally 2.13%
Details

Valid thru 10/25/2026

Rate History
1 change since Sep 18, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
2.50%3.13%3.75%Sep 18, 2026: 3.00% APYSep 25, 2026: 3.25% APYSep 18, 2026Oct 25, 2026
  • Sep 25, 20263.25%▲ from 3.00%
  • Sep 18, 20263.00%first recorded

Bay City 6 Month CD Rates

Michigan 6 Month CD Average2.87% APYNational 2.78%▼ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
6354 Westside Saginaw Rd, Bay City, MI 48706 9394
6 month - 4H or FFA CD
$0
5.05% ▲ 2.18% above Michigan avg
View
▼
Rate4.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 2.18% above avgNationally 2.78%
Details

Minimum: Amount of 4H or FFA - Youth Fair Participation Check, Max $5,000

Rate History
No change since Sep 14, 2026 · 5.05% APY · checked 9 times
4.55%5.05%5.55%Sep 14, 2026: 5.05% APYSep 14, 2026Oct 25, 2026
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
6354 Westside Saginaw Rd, Bay City, MI 48706 9394
6 month SmartStart Youth CD
$100
5.00% ▲ 2.13% above Michigan avg
View
▼
Rate4.88%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 2.13% above avgNationally 2.78%
Details

Available for members under the age of 21; $100 - $2,000; 1 per member; Members may open a 2nd CD if joint owner has an Elite Checking Account

Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 3 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Oct 25, 2026
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
2936 Wilder Rd, Bay City, MI 48706
Youth Certificates - 6 Month
$0
3.66% ▲ 0.79% above Michigan avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 0.79% above avgNationally 2.78%
Details

Must be 25 or younger; $100 minimum balance; $2,000 maximum deposit; deposits in $50 increments; up to 10 Youth CDs per youth account; APY will vary depending on the initial certificate deposit amount; penalty for early withdrawal; Effective Date: 10/18/2026

Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 8 times
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Oct 25, 2026
Lake Huron Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
314 E Midland St, Bay City, MI 48706
6 Month Certificate of Deposit
$0
3.53% ▲ 0.66% above Michigan avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 0.66% above avgNationally 2.78%
Details

Rate History
No change since Oct 13, 2026 · 3.53% APY · checked 2 times
3.03%3.53%4.03%Oct 13, 2026: 3.53% APYOct 13, 2026Oct 25, 2026
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
401 E MIDLAND ST, BAY CITY, MI 48706
6 Month Certificate of Deposit
$0
3.50% ▲ 0.63% above Michigan avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 0.63% above avgNationally 2.78%
Details

Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 25, 2026
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
915 S Euclid Ave, Bay City, MI 48706
6 Month Share Certificate
$0
3.50% ▲ 0.63% above Michigan avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 0.63% above avgNationally 2.78%
Details

Compounded/Paid: Monthly/Monthly

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Oct 25, 2026
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
915 S Euclid Ave, Bay City, MI 48706
Traditional and Roth IRA Share Certificate - 6 Month
$0
3.50% ▲ 0.63% above Michigan avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 0.63% above avgNationally 2.78%
Details

Compounded/Paid: Monthly/Monthly

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
915 S Euclid Ave, Bay City, MI 48706
Youth 6 Month Share Certificate
$0
3.50% ▲ 0.63% above Michigan avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 0.63% above avgNationally 2.78%
Details

Youth; Compounded/Paid: Monthly/Monthly; Subsequent deposits allowed; minors 17 or younger minimum $100.00

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Oct 25, 2026
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
6354 Westside Saginaw Rd, Bay City, MI 48706 9394
Hometown Hero 6 month
$250
3.25% ▲ 0.38% above Michigan avg
View
▼
Rate3.20%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 0.38% above avgNationally 2.78%
Details

Hometown Hero CD for veterans, active military, and first responders including EMT, police and fire staff

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 9 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
6354 Westside Saginaw Rd, Bay City, MI 48706 9394
6 Month Certificate
$500
3.00% ▲ 0.13% above Michigan avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 0.13% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 9 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 25, 2026
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
800 N Euclid Ave, Bay City, MI 48706
6 Month CD-Certificate of Deposit
$0
3.00% ▲ 0.13% above Michigan avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 0.13% above avgNationally 2.78%
Details

Balance: $250,000 and up

Rate History
No change since Sep 22, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 22, 2026: 3.00% APYSep 22, 2026Oct 25, 2026
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
800 N Euclid Ave, Bay City, MI 48706
6 Month CD-Certificate of Deposit
$0
2.95% ▲ 0.08% above Michigan avg
View
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 0.08% above avgNationally 2.78%
Details

Balance: $150,000 - $249,000

Rate History
No change since Sep 22, 2026 · 2.95% APY · checked 7 times
2.45%2.95%3.45%Sep 22, 2026: 2.95% APYSep 22, 2026Oct 25, 2026
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
800 N Euclid Ave, Bay City, MI 48706
6 Month CD-Certificate of Deposit
$0
2.90% ▲ 0.03% above Michigan avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 0.03% above avgNationally 2.78%
Details

Balance: $100,000 - $149,000

Rate History
No change since Sep 22, 2026 · 2.90% APY · checked 7 times
2.40%2.90%3.40%Sep 22, 2026: 2.90% APYSep 22, 2026Oct 25, 2026
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
800 N Euclid Ave, Bay City, MI 48706
6 Month CD-Certificate of Deposit
$0
2.85% ▼ 0.02% below Michigan avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▼ 0.02% below avgNationally 2.78%
Details

Balance: $500 - $99,999

Rate History
No change since Sep 22, 2026 · 2.85% APY · checked 7 times
2.35%2.85%3.35%Sep 22, 2026: 2.85% APYSep 22, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
6 Month Regular CD
$1,000
2.80% ▼ 0.07% below Michigan avg
View
▼
Rate2.76%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▼ 0.07% below avgNationally 2.78%
Details

Balance: $500,000.00 and over; Shared heading: Regular CD / Traditional IRA CD & Roth IRA CD Accounts

Rate History
No change since Oct 13, 2026 · 2.80% APY · checked 2 times
2.30%2.80%3.30%Oct 13, 2026: 2.80% APYOct 13, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
6-Month CD
$1,000
2.80% ▼ 0.07% below Michigan avg
View
▼
Rate2.76%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▼ 0.07% below avgNationally 2.78%
Details

Balance: $500,000.00 and over; Minimum Opening Balance: $1,000.00; CD, Traditional IRA CD & Roth IRA CD Accounts

Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 6 times
2.30%2.80%3.30%Sep 14, 2026: 2.80% APYSep 14, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
6 Month Regular CD
$1,000
2.75% ▼ 0.12% below Michigan avg
View
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▼ 0.12% below avgNationally 2.78%
Details

Balance: $250,000.00 - $499,999.99; Regular CD / Traditional IRA CD & Roth IRA CD Accounts

Rate History
1 change since Oct 13, 2026 · 2.80% → 2.75% ▼ 0.05 pts · high 2.80% / low 2.75%
2.25%2.78%3.30%Oct 13, 2026: 2.80% APYOct 19, 2026: 2.75% APYOct 13, 2026Oct 25, 2026
  • Oct 19, 20262.75%▼ from 2.80%
  • Oct 13, 20262.80%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
6-Month CD
$1,000
2.75% ▼ 0.12% below Michigan avg
View
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▼ 0.12% below avgNationally 2.78%
Details

Tier: $250,000.00 - $499,999.99

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
6 Month Regular CD
$1,000
2.70% ▼ 0.17% below Michigan avg
View
▼
Rate2.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▼ 0.17% below avgNationally 2.78%
Details

Balance: $100,000.00 - $249,999.99; Dividends compounded and credited monthly; Regular CD / Traditional IRA CD & Roth IRA CD Accounts

Rate History
1 change since Oct 13, 2026 · 2.65% → 2.70% ▲ 0.05 pts · high 2.70% / low 2.65%
2.15%2.68%3.20%Oct 13, 2026: 2.65% APYOct 19, 2026: 2.70% APYOct 13, 2026Oct 25, 2026
  • Oct 19, 20262.70%▲ from 2.65%
  • Oct 13, 20262.65%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
6-Month CD
$1,000
2.70% ▼ 0.17% below Michigan avg
View
▼
Rate2.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▼ 0.17% below avgNationally 2.78%
Details

Balance tier $100,000.00 - $249,999.99; minimum balance to earn dividends matches the $1,000 minimum opening balance; CD, Traditional IRA CD & Roth IRA CD Accounts

Rate History
1 change since Sep 14, 2026 · 2.75% → 2.70% ▼ 0.05 pts · high 2.75% / low 2.70%
2.20%2.73%3.25%Sep 14, 2026: 2.75% APYOct 19, 2026: 2.70% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20262.70%▼ from 2.75%
  • Sep 14, 20262.75%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
6 Month Regular CD
$1,000
2.65% ▼ 0.22% below Michigan avg
View
▼
Rate2.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▼ 0.22% below avgNationally 2.78%
Details

Balance: $30,000.00 - 99,999.99; Regular CD / Traditional IRA CD & Roth IRA CD Accounts

Rate History
No change since Oct 13, 2026 · 2.65% APY · checked 2 times
2.15%2.65%3.15%Oct 13, 2026: 2.65% APYOct 13, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
6 Month Roth IRA CD
$1,000
2.65% ▼ 0.22% below Michigan avg
View
▼
Rate2.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▼ 0.22% below avgNationally 2.78%
Details

Balance: $30,000.00 - 99,999.99

Rate History
No change since Oct 19, 2026 · 2.65% APY
2.15%2.65%3.15%Oct 19, 2026: 2.65% APYOct 19, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
6 Month Traditional IRA CD
$1,000
2.65% ▼ 0.22% below Michigan avg
View
▼
Rate2.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▼ 0.22% below avgNationally 2.78%
Details

Balance: $30,000.00 - 99,999.99

Rate History
No change since Oct 19, 2026 · 2.65% APY
2.15%2.65%3.15%Oct 19, 2026: 2.65% APYOct 19, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
6-Month CD
$1,000
2.65% ▼ 0.22% below Michigan avg
View
▼
Rate2.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▼ 0.22% below avgNationally 2.78%
Details

Balance: $30,000.00 - 99,999.99; CD, Traditional IRA CD & Roth IRA CD Accounts

Rate History
1 change since Sep 14, 2026 · 2.75% → 2.65% ▼ 0.10 pts · high 2.75% / low 2.65%
2.15%2.70%3.25%Sep 14, 2026: 2.75% APYOct 19, 2026: 2.65% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20262.65%▼ from 2.75%
  • Sep 14, 20262.75%first recorded
FinancialEdge Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1199 S Euclid Ave, Bay City, MI 48706
6 Month Certificates of Deposit
$100,000
2.60% ▼ 0.27% below Michigan avg
View
▼
Rate2.57%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▼ 0.27% below avgNationally 2.78%
Details

$100,000.00 Minimum CD Rates; Dividend period: Monthly

Rate History
No change since Oct 13, 2026 · 2.60% APY · checked 2 times
2.10%2.60%3.10%Oct 13, 2026: 2.60% APYOct 13, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
6 Month Regular CD
$1,000
2.60% ▼ 0.27% below Michigan avg
View
▼
Rate2.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▼ 0.27% below avgNationally 2.78%
Details

Balance: $1,000.00 - $29,999.99; Minimum Opening Balance & Balance to Earn Dividends: $1,000.00

Rate History
1 change since Oct 13, 2026 · 2.65% → 2.60% ▼ 0.05 pts · high 2.65% / low 2.60%
2.10%2.63%3.15%Oct 13, 2026: 2.65% APYOct 19, 2026: 2.60% APYOct 13, 2026Oct 25, 2026
  • Oct 19, 20262.60%▼ from 2.65%
  • Oct 13, 20262.65%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
6-Month CD
$1,000
2.60% ▼ 0.27% below Michigan avg
View
▼
Rate2.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▼ 0.27% below avgNationally 2.78%
Details

Balance: $1,000.00 - $29,999.99; Also available as Traditional IRA CD and Roth IRA CD; CD, Traditional IRA CD & Roth IRA CD Accounts

Rate History
1 change since Sep 14, 2026 · 2.75% → 2.60% ▼ 0.15 pts · high 2.75% / low 2.60%
2.10%2.68%3.25%Sep 14, 2026: 2.75% APYOct 19, 2026: 2.60% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20262.60%▼ from 2.75%
  • Sep 14, 20262.75%first recorded
FinancialEdge Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1199 S Euclid Ave, Bay City, MI 48706
6 Month Certificates of Deposit
$1,000
2.50% ▼ 0.37% below Michigan avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▼ 0.37% below avgNationally 2.78%
Details

Dividend period: Monthly; $100 for minors

Rate History
No change since Oct 13, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 13, 2026: 2.50% APYOct 13, 2026Oct 25, 2026
Independent Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
745 N Euclid Ave, Bay City, MI 48706
6-Month CD
$0
2.43% ▼ 0.44% below Michigan avg
View
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.87%▼ 0.44% below avgNationally 2.78%
Details

Interest Tier: $500 minimum; Effective October 14, 2026

Rate History
3 changes since Sep 18, 2026 · 2.17% → 2.43% ▲ 0.26 pts · high 2.43% / low 2.17%
1.67%2.30%2.93%Sep 18, 2026: 2.17% APYSep 24, 2026: 2.27% APYOct 2, 2026: 2.38% APYOct 14, 2026: 2.43% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20262.43%▲ from 2.38%
  • Oct 2, 20262.38%▲ from 2.27%
  • Sep 24, 20262.27%▲ from 2.17%
  • Sep 18, 20262.17%first recorded
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
4129 N Euclid Ave, Bay City, MI 48706
Certificate - 6 Months
$500
2.00% ▼ 0.87% below Michigan avg
View
▼
Rate1.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▼ 0.87% below avgNationally 2.78%
Details

As of 10/1/2026

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 25, 2026
Thumb Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
2985 Wilder Rd, Bay City, MI 48706
6 Month CD
$0
1.51% ▼ 1.36% below Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.87%▼ 1.36% below avgNationally 2.78%
Details

Minimum balance $1,000 (footnote *)

Rate History
No change since Oct 14, 2026 · 1.51% APY · checked 2 times
1.01%1.51%2.01%Oct 14, 2026: 1.51% APYOct 14, 2026Oct 25, 2026
Sunrise Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
404 S Euclid Ave, Bay City, MI 48706 3206
6 Month Certificate Account
$1,000
1.25% ▼ 1.62% below Michigan avg
View
▼
Rate1.24%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▼ 1.62% below avgNationally 2.78%
Details

Early withdrawal penalty: 90 days for one (1) year or less; 180 days for one (1) year or more. Current or New Money for Deposit. Non-renewable.

Rate History
No change since Sep 18, 2026 · 1.25% APY · checked 3 times
0.75%1.25%1.75%Sep 18, 2026: 1.25% APYSep 18, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
Certificate of Deposit - 6 Months
$1,000
0.03% ▼ 2.84% below Michigan avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.87%▼ 2.84% below avgNationally 2.78%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
IRA CD 6 Months
$250
0.03% ▼ 2.84% below Michigan avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.87%▼ 2.84% below avgNationally 2.78%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
Certificate of Deposit - 6 Months
$1,000
0.02% ▼ 2.85% below Michigan avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.87%▼ 2.85% below avgNationally 2.78%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
IRA CD 6 Months
$250
0.02% ▼ 2.85% below Michigan avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.87%▼ 2.85% below avgNationally 2.78%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
Certificate of Deposit - 6 Months
$1,000
0.01% ▼ 2.86% below Michigan avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.87%▼ 2.86% below avgNationally 2.78%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
IRA CD 6 Months
$250
0.01% ▼ 2.86% below Michigan avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.87%▼ 2.86% below avgNationally 2.78%
Details

Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 25, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
Rising Rate Certificate of Deposit - Third 6-month Term
$10,000
4.75% ▲ 1.88% above Michigan avg
View
▼
Rate4.65%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.87%▲ 1.88% above avgNationally 2.78%
Details

Third 6-month term; Interest is compounded monthly; 10-day option to withdraw at the end of each six-month term; penalty for early withdrawals applies at other times; no brokered deposits

Rate History
No change since Oct 7, 2026 · 4.75% APY · checked 6 times
4.25%4.75%5.25%Oct 7, 2026: 4.75% APYOct 7, 2026Oct 25, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
6 Month Share Certificates
$0
4.75% ▲ 1.88% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.87%▲ 1.88% above avgNationally 2.78%
Details

FEATURED RATE

Rate History
1 change since Sep 30, 2026 · 3.75% → 4.75% ▲ 1.00 pts · high 4.75% / low 3.75%
2.75%4.25%5.75%Sep 30, 2026: 3.75% APYOct 23, 2026: 4.75% APYSep 30, 2026Oct 25, 2026
  • Oct 23, 20264.75%▲ from 3.75%
  • Sep 30, 20263.75%first recorded
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
6 Month Youth Certificates 1
$0
4.75% ▲ 1.88% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.87%▲ 1.88% above avgNationally 2.78%
Details

FEATURED RATE; Penalties may apply for early withdrawals.

Rate History
No change since Oct 23, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 23, 2026: 4.75% APYOct 23, 2026Oct 25, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
Rising Rate Certificate of Deposit - Second 6-month Term
$10,000
4.50% ▲ 1.63% above Michigan avg
View
▼
Rate4.41%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.87%▲ 1.63% above avgNationally 2.78%
Details

Second 6-month term; Interest is compounded monthly; 10-day option to withdraw at the end of each six-month term; penalty for early withdrawals applies at other times; no brokered deposits

Rate History
No change since Oct 7, 2026 · 4.50% APY · checked 6 times
4.00%4.50%5.00%Oct 7, 2026: 4.50% APYOct 7, 2026Oct 25, 2026
Community Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
6 Month Certificate
$1,000
4.30% ▲ 1.43% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.87%▲ 1.43% above avgNationally 2.78%
Details

Share Certificate

Rate History
No change since Oct 22, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 22, 2026: 4.30% APYOct 22, 2026Oct 25, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
Rising Rate Certificate of Deposit - First 6-month Term
$10,000
4.25% ▲ 1.38% above Michigan avg
View
▼
Rate4.17%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.87%▲ 1.38% above avgNationally 2.78%
Details

First 6-month term; Interest is compounded monthly; 10-day option to withdraw at the end of each six-month term; penalty for early withdrawals applies at other times; no brokered deposits

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 25, 2026
Kalsee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
6-Month Special - Platinum & VIP Members
$0
4.25% ▲ 1.38% above Michigan avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 1.38% above avgNationally 2.78%
Details

Platinum & VIP Members; Balance: $500 - $1,000,000

Rate History
No change since Oct 19, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 19, 2026: 4.25% APYOct 19, 2026Oct 25, 2026
Kalsee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
6-Month Special CD - Platinum & VIP
$500
4.25% ▲ 1.38% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 1.38% above avgNationally 2.78%
Details

Balance: $500 - $1,000,000; Platinum or VIP Members rate; Limited time promo; Kalsee Credit Union membership required

Rate History
No change since Oct 19, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 19, 2026: 4.25% APYOct 19, 2026Oct 25, 2026
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Simple CD - 6 Months
$500
4.25% ▲ 1.38% above Michigan avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 1.38% above avgNationally 2.78%
Details

Starting minimum deposit of $500; not eligible for Member Saver Reward

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 25, 2026
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
Jumbo Share Certificate - 6 months
$100,000
4.16% ▲ 1.29% above Michigan avg
View
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.87%▲ 1.29% above avgNationally 2.78%
Details

Minimum deposit of $100,000.00; Certificate specials will not renew at end of term; A penalty may be imposed for early withdrawal

Rate History
1 change since Sep 12, 2026 · 3.96% → 4.16% ▲ 0.20 pts · high 4.16% / low 3.96%
3.46%4.06%4.66%Sep 12, 2026: 3.96% APYOct 4, 2026: 4.16% APYSep 12, 2026Oct 25, 2026
  • Oct 4, 20264.16%▲ from 3.96%
  • Sep 12, 20263.96%first recorded
GR Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
6 Month Certificate
$500
4.15% ▲ 1.28% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 1.28% above avgNationally 2.78%
Details

Maximum purchase $250,000.00; Gold and Platinum members are eligible for bonus rates

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 14, 2026: 3.75% APYSep 22, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
  • Sep 22, 20264.15%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
IRA Certificate of Deposit - 6 Months
$0
4.10% ▲ 1.23% above Michigan avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 1.23% above avgNationally 2.78%
Details

Effective 10/18/2026; APY includes .25% bonus for Meijer Team members, Meijer retirees and current MCU members

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 25, 2026

Bay City 12 Month CD Rates

Michigan 12 Month CD Average3.11% APYNational 2.99%▼ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Lake Huron Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
314 E Midland St, Bay City, MI 48706
12 Month Certificate of Deposit
$0
4.19% ▲ 1.08% above Michigan avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 1.08% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 4.19% APY · checked 2 times
3.69%4.19%4.69%Oct 13, 2026: 4.19% APYOct 13, 2026Oct 25, 2026
Lake Huron Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
314 E Midland St, Bay City, MI 48706
12 Month YOUTH Certificate
$0
4.06% ▲ 0.95% above Michigan avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.95% above avgNationally 2.99%
Details

Youth certificate

Rate History
No change since Sep 18, 2026 · 4.06% APY · checked 3 times
3.56%4.06%4.56%Sep 18, 2026: 4.06% APYSep 18, 2026Oct 25, 2026
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
4129 N Euclid Ave, Bay City, MI 48706
12 Month Youth CD
$0
3.95% ▲ 0.84% above Michigan avg
View
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.84% above avgNationally 2.99%
Details

Youth CD (No minimum); As of 10/1/2026

Rate History
1 change since Sep 14, 2026 · 3.85% → 3.95% ▲ 0.10 pts · high 3.95% / low 3.85%
3.35%3.90%4.45%Sep 14, 2026: 3.85% APYOct 10, 2026: 3.95% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20263.95%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
4129 N Euclid Ave, Bay City, MI 48706
12 Month Youth Certificate
$0
3.95% ▲ 0.84% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.84% above avgNationally 2.99%
Details

Available for ages 24 and under; no minimum balance required; additional deposits allowed during term; one penalty-free withdrawal per 12-month term; rate accurate as of 6/1/26; Open Online

Rate History
No change since Oct 14, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 14, 2026: 3.95% APYOct 14, 2026Oct 25, 2026
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
2936 Wilder Rd, Bay City, MI 48706
12 Month Youth Certificate
$0
3.71% ▲ 0.60% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.60% above avgNationally 2.99%
Details

Must be 25 or younger; $2,000 maximum deposit; deposits in $50 increments; up to 10 Youth CDs per youth account; APY varies with initial deposit amount; Effective Date: 10/18/2026; penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 8 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Oct 25, 2026
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
2936 Wilder Rd, Bay City, MI 48706
Youth Certificates - 12 Month
$0
3.71% ▲ 0.60% above Michigan avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.60% above avgNationally 2.99%
Details

Must be 25 or younger; $100 minimum balance; $2,000 maximum deposit; deposits in $50 increments; up to 10 Youth CDs per youth account; APY will vary depending on the initial certificate deposit amount; penalty for early withdrawal; Effective Date: 10/18/2026

Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 8 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Oct 25, 2026
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
401 E MIDLAND ST, BAY CITY, MI 48706
12 Month CD
$500
3.60% ▲ 0.49% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.49% above avgNationally 2.99%
Details

Rates as high as 3.60% APY* on our 12 Month CD; Terms from 3 to 62 months; Certificate Secured Loan available

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 25, 2026
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
401 E MIDLAND ST, BAY CITY, MI 48706
12 Month Certificate of Deposit
$0
3.60% ▲ 0.49% above Michigan avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.49% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 25, 2026
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
915 S Euclid Ave, Bay City, MI 48706
12 Month Share Certificate
$0
3.50% ▲ 0.39% above Michigan avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.39% above avgNationally 2.99%
Details

Compounded/Paid: Quarterly/Quarterly

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Oct 25, 2026
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
915 S Euclid Ave, Bay City, MI 48706
Traditional and Roth IRA Share Certificate - 12 Month
$0
3.50% ▲ 0.39% above Michigan avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.39% above avgNationally 2.99%
Details

Compounded/Paid: Quarterly/Quarterly

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
915 S Euclid Ave, Bay City, MI 48706
Youth 12 Month Share Certificate
$0
3.50% ▲ 0.39% above Michigan avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.39% above avgNationally 2.99%
Details

Youth; Compounded/Paid: Quarterly/Quarterly; Subsequent deposits allowed; minors 17 or younger minimum $100.00

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Oct 25, 2026
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
4129 N Euclid Ave, Bay City, MI 48706
Certificate - 12 Months
$500
3.45% ▲ 0.34% above Michigan avg
View
▼
Rate3.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.34% above avgNationally 2.99%
Details

As of 10/1/2026

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35%
2.85%3.40%3.95%Sep 14, 2026: 3.35% APYOct 10, 2026: 3.45% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20263.45%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
800 N Euclid Ave, Bay City, MI 48706
12 Month CD-Certificate of Deposit
$0
3.25% ▲ 0.14% above Michigan avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.14% above avgNationally 2.99%
Details

Balance: $250,000 and up

Rate History
No change since Sep 22, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 22, 2026: 3.25% APYSep 22, 2026Oct 25, 2026
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
800 N Euclid Ave, Bay City, MI 48706
12 Month CD-Certificate of Deposit
$0
3.20% ▲ 0.09% above Michigan avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.09% above avgNationally 2.99%
Details

Balance: $150,000 - $249,000

Rate History
No change since Sep 22, 2026 · 3.20% APY · checked 7 times
2.70%3.20%3.70%Sep 22, 2026: 3.20% APYSep 22, 2026Oct 25, 2026
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
800 N Euclid Ave, Bay City, MI 48706
12 Month CD-Certificate of Deposit
$0
3.15% ▲ 0.04% above Michigan avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.04% above avgNationally 2.99%
Details

Balance: $100,000 - $149,000

Rate History
No change since Sep 22, 2026 · 3.15% APY · checked 7 times
2.65%3.15%3.65%Sep 22, 2026: 3.15% APYSep 22, 2026Oct 25, 2026
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
800 N Euclid Ave, Bay City, MI 48706
12 Month CD-Certificate of Deposit
$0
3.10% ▼ 0.01% below Michigan avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▼ 0.01% below avgNationally 2.99%
Details

Balance: $500 - $99,999

Rate History
No change since Sep 22, 2026 · 3.10% APY · checked 7 times
2.60%3.10%3.60%Sep 22, 2026: 3.10% APYSep 22, 2026Oct 25, 2026
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
800 N Euclid Ave, Bay City, MI 48706
12 Month Save To Win CD
$25
3.00% ▼ 0.11% below Michigan avg
View
▼
Rate2.97%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▼ 0.11% below avgNationally 2.99%
Details

12 Month CD; Can Add Funds At Anytime; Cannot withdraw until 12 months after date of opening

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 9 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 25, 2026
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
6354 Westside Saginaw Rd, Bay City, MI 48706 9394
12 Month Certificate
$500
2.85% ▼ 0.26% below Michigan avg
View
▼
Rate2.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▼ 0.26% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 9 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 25, 2026
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
6354 Westside Saginaw Rd, Bay City, MI 48706 9394
12 month HSA
$500
2.85% ▼ 0.26% below Michigan avg
View
▼
Rate2.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▼ 0.26% below avgNationally 2.99%
Details

HSA certificate

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 8 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
12 Month Regular CD
$1,000
2.85% ▼ 0.26% below Michigan avg
View
▼
Rate2.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▼ 0.26% below avgNationally 2.99%
Details

Balance: $500,000.00 and over; Shared heading: Regular CD / Traditional IRA CD & Roth IRA CD Accounts

Rate History
No change since Oct 13, 2026 · 2.85% APY · checked 2 times
2.35%2.85%3.35%Oct 13, 2026: 2.85% APYOct 13, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
12-Month CD
$1,000
2.85% ▼ 0.26% below Michigan avg
View
▼
Rate2.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▼ 0.26% below avgNationally 2.99%
Details

Balance: $500,000.00 and over; Minimum Opening Balance: $1,000.00; CD, Traditional IRA CD & Roth IRA CD Accounts

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 6 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
12 Month Regular CD
$1,000
2.80% ▼ 0.31% below Michigan avg
View
▼
Rate2.76%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▼ 0.31% below avgNationally 2.99%
Details

Balance: $250,000.00 - $499,999.99; Regular CD / Traditional IRA CD & Roth IRA CD Accounts

Rate History
1 change since Oct 13, 2026 · 2.85% → 2.80% ▼ 0.05 pts · high 2.85% / low 2.80%
2.30%2.83%3.35%Oct 13, 2026: 2.85% APYOct 19, 2026: 2.80% APYOct 13, 2026Oct 25, 2026
  • Oct 19, 20262.80%▼ from 2.85%
  • Oct 13, 20262.85%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
12-Month CD
$1,000
2.80% ▼ 0.31% below Michigan avg
View
▼
Rate2.76%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▼ 0.31% below avgNationally 2.99%
Details

Tier: $250,000.00 - $499,999.99

Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 6 times
2.30%2.80%3.30%Sep 14, 2026: 2.80% APYSep 14, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
12 Month Regular CD
$1,000
2.75% ▼ 0.36% below Michigan avg
View
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▼ 0.36% below avgNationally 2.99%
Details

Balance: $100,000.00 - $249,999.99; Dividends compounded and credited monthly; Regular CD / Traditional IRA CD & Roth IRA CD Accounts

Rate History
1 change since Oct 13, 2026 · 2.70% → 2.75% ▲ 0.05 pts · high 2.75% / low 2.70%
2.20%2.73%3.25%Oct 13, 2026: 2.70% APYOct 19, 2026: 2.75% APYOct 13, 2026Oct 25, 2026
  • Oct 19, 20262.75%▲ from 2.70%
  • Oct 13, 20262.70%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
12-Month CD
$1,000
2.75% ▼ 0.36% below Michigan avg
View
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▼ 0.36% below avgNationally 2.99%
Details

Balance tier $100,000.00 - $249,999.99; minimum balance to earn dividends matches the $1,000 minimum opening balance; CD, Traditional IRA CD & Roth IRA CD Accounts

Rate History
1 change since Sep 14, 2026 · 2.80% → 2.75% ▼ 0.05 pts · high 2.80% / low 2.75%
2.25%2.78%3.30%Sep 14, 2026: 2.80% APYOct 19, 2026: 2.75% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20262.75%▼ from 2.80%
  • Sep 14, 20262.80%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
12 Month Regular CD
$1,000
2.70% ▼ 0.41% below Michigan avg
View
▼
Rate2.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▼ 0.41% below avgNationally 2.99%
Details

Balance: $30,000.00 - 99,999.99; Regular CD / Traditional IRA CD & Roth IRA CD Accounts

Rate History
No change since Oct 13, 2026 · 2.70% APY · checked 2 times
2.20%2.70%3.20%Oct 13, 2026: 2.70% APYOct 13, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
12 Month Roth IRA CD
$1,000
2.70% ▼ 0.41% below Michigan avg
View
▼
Rate2.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▼ 0.41% below avgNationally 2.99%
Details

Balance: $30,000.00 - 99,999.99

Rate History
No change since Oct 19, 2026 · 2.70% APY
2.20%2.70%3.20%Oct 19, 2026: 2.70% APYOct 19, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
12 Month Traditional IRA CD
$1,000
2.70% ▼ 0.41% below Michigan avg
View
▼
Rate2.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▼ 0.41% below avgNationally 2.99%
Details

Balance: $30,000.00 - 99,999.99

Rate History
No change since Oct 19, 2026 · 2.70% APY
2.20%2.70%3.20%Oct 19, 2026: 2.70% APYOct 19, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
12-Month CD
$1,000
2.70% ▼ 0.41% below Michigan avg
View
▼
Rate2.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▼ 0.41% below avgNationally 2.99%
Details

Balance: $30,000.00 - 99,999.99; CD, Traditional IRA CD & Roth IRA CD Accounts

Rate History
1 change since Sep 14, 2026 · 2.80% → 2.70% ▼ 0.10 pts · high 2.80% / low 2.70%
2.20%2.75%3.30%Sep 14, 2026: 2.80% APYOct 19, 2026: 2.70% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20262.70%▼ from 2.80%
  • Sep 14, 20262.80%first recorded
Independent Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
745 N Euclid Ave, Bay City, MI 48706
12-Month CD
$0
2.68% ▼ 0.43% below Michigan avg
View
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.11%▼ 0.43% below avgNationally 2.99%
Details

Interest Tier: $500 minimum; Effective October 14, 2026

Rate History
3 changes since Sep 18, 2026 · 2.32% → 2.68% ▲ 0.36 pts · high 2.68% / low 2.32%
1.82%2.50%3.18%Sep 18, 2026: 2.32% APYSep 24, 2026: 2.43% APYOct 2, 2026: 2.58% APYOct 14, 2026: 2.68% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20262.68%▲ from 2.58%
  • Oct 2, 20262.58%▲ from 2.43%
  • Sep 24, 20262.43%▲ from 2.32%
  • Sep 18, 20262.32%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
12 Month Regular CD
$1,000
2.65% ▼ 0.46% below Michigan avg
View
▼
Rate2.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▼ 0.46% below avgNationally 2.99%
Details

Balance: $1,000.00 - $29,999.99; Minimum Opening Balance & Balance to Earn Dividends: $1,000.00

Rate History
1 change since Oct 13, 2026 · 2.70% → 2.65% ▼ 0.05 pts · high 2.70% / low 2.65%
2.15%2.68%3.20%Oct 13, 2026: 2.70% APYOct 19, 2026: 2.65% APYOct 13, 2026Oct 25, 2026
  • Oct 19, 20262.65%▼ from 2.70%
  • Oct 13, 20262.70%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
12-Month CD
$1,000
2.65% ▼ 0.46% below Michigan avg
View
▼
Rate2.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▼ 0.46% below avgNationally 2.99%
Details

Balance: $1,000.00 - $29,999.99; Also available as Traditional IRA CD and Roth IRA CD; CD, Traditional IRA CD & Roth IRA CD Accounts

Rate History
1 change since Sep 14, 2026 · 2.80% → 2.65% ▼ 0.15 pts · high 2.80% / low 2.65%
2.15%2.72%3.30%Sep 14, 2026: 2.80% APYOct 19, 2026: 2.65% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20262.65%▼ from 2.80%
  • Sep 14, 20262.80%first recorded
FinancialEdge Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1199 S Euclid Ave, Bay City, MI 48706
12 Month Certificates of Deposit
$100,000
2.60% ▼ 0.51% below Michigan avg
View
▼
Rate2.57%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▼ 0.51% below avgNationally 2.99%
Details

$100,000.00 Minimum CD Rates; Dividend period: Monthly

Rate History
No change since Oct 13, 2026 · 2.60% APY · checked 2 times
2.10%2.60%3.10%Oct 13, 2026: 2.60% APYOct 13, 2026Oct 25, 2026
FinancialEdge Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1199 S Euclid Ave, Bay City, MI 48706
12 Month Certificates of Deposit
$1,000
2.50% ▼ 0.61% below Michigan avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▼ 0.61% below avgNationally 2.99%
Details

Dividend period: Monthly

Rate History
No change since Oct 13, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 13, 2026: 2.50% APYOct 13, 2026Oct 25, 2026
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
6354 Westside Saginaw Rd, Bay City, MI 48706 9394
Save to Win 12 month
$25
2.40% ▼ 0.71% below Michigan avg
View
▼
Rate2.37%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▼ 0.71% below avgNationally 2.99%
Details

1 per member; chance to win prizes with each $25 saved

Rate History
No change since Sep 14, 2026 · 2.40% APY · checked 5 times
1.90%2.40%2.90%Sep 14, 2026: 2.40% APYSep 14, 2026Oct 25, 2026
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
6354 Westside Saginaw Rd, Bay City, MI 48706 9394
Save to Win: Youth Edition 12 month
$10
2.40% ▼ 0.71% below Michigan avg
View
▼
Rate2.37%
Min Deposit$10
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▼ 0.71% below avgNationally 2.99%
Details

1 per member; chance to win prizes with each $10 saved

Rate History
No change since Sep 14, 2026 · 2.40% APY · checked 8 times
1.90%2.40%2.90%Sep 14, 2026: 2.40% APYSep 14, 2026Oct 25, 2026
Thumb Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
2985 Wilder Rd, Bay City, MI 48706
1 Year CD
$0
2.02% ▼ 1.09% below Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.11%▼ 1.09% below avgNationally 2.99%
Details

Rate History
No change since Oct 14, 2026 · 2.02% APY · checked 2 times
1.52%2.02%2.52%Oct 14, 2026: 2.02% APYOct 14, 2026Oct 25, 2026
Thumb Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
2985 Wilder Rd, Bay City, MI 48706
1 Year IRA
$0
2.02% ▼ 1.09% below Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.11%▼ 1.09% below avgNationally 2.99%
Details

Penalty for early withdrawal may apply; Annual Percentage Yields effective July 1, 2026

Rate History
No change since Oct 8, 2026 · 2.02% APY · checked 4 times
1.52%2.02%2.52%Oct 8, 2026: 2.02% APYOct 8, 2026Oct 25, 2026
Sunrise Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
404 S Euclid Ave, Bay City, MI 48706 3206
12 Month Certificate Account
$1,000
1.45% ▼ 1.66% below Michigan avg
View
▼
Rate1.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▼ 1.66% below avgNationally 2.99%
Details

Early withdrawal penalty: 90 days for one (1) year or less; 180 days for one (1) year or more. Current or New Money for Deposit. Non-renewable.

Rate History
No change since Sep 18, 2026 · 1.45% APY · checked 3 times
0.95%1.45%1.95%Sep 18, 2026: 1.45% APYSep 18, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
Certificate of Deposit - 12 Months
$1,000
0.03% ▼ 3.08% below Michigan avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.11%▼ 3.08% below avgNationally 2.99%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
IRA CD 12 Months
$250
0.03% ▼ 3.08% below Michigan avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.11%▼ 3.08% below avgNationally 2.99%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
Certificate of Deposit - 12 Months
$1,000
0.02% ▼ 3.09% below Michigan avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.11%▼ 3.09% below avgNationally 2.99%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
IRA CD 12 Months
$250
0.02% ▼ 3.09% below Michigan avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.11%▼ 3.09% below avgNationally 2.99%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
Certificate of Deposit - 12 Months
$1,000
0.01% ▼ 3.10% below Michigan avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.11%▼ 3.10% below avgNationally 2.99%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
IRA CD 12 Months
$250
0.01% ▼ 3.10% below Michigan avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.11%▼ 3.10% below avgNationally 2.99%
Details

Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 25, 2026
Diversified Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
12 Month Legacy CD
$5,000
5.15% ▲ 2.04% above Michigan avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 2.04% above avgNationally 2.99%
Details

Legacy CD: for a representative, beneficiary or joint owner of a deceased member's account; Max deposit $1,000,000; two withdrawals and two additional deposits without penalty during the 12-month period; third withdrawal incurs a penalty and closes the account

Rate History
No change since Sep 18, 2026 · 5.15% APY · checked 6 times
4.65%5.15%5.65%Sep 18, 2026: 5.15% APYSep 18, 2026Oct 25, 2026
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
Certificates of Deposit - 12 Month Youth Special
$0
5.00% ▲ 1.89% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 1.89% above avgNationally 2.99%
Details

Special; Ages 0-17; $1,000 maximum; One per member; Not available for business accounts

Rate History
No change since Oct 19, 2026 · 5.00% APY
4.50%5.00%5.50%Oct 19, 2026: 5.00% APYOct 19, 2026Oct 25, 2026
Best Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
12 Month Super Kids Certificate
$100
5.00% ▲ 1.89% above Michigan avg
View
▼
Rate4.91%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 1.89% above avgNationally 2.99%
Details

Early withdrawal penalty: 90 days interest

Rate History
No change since Oct 13, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Oct 13, 2026: 5.00% APYOct 13, 2026Oct 25, 2026
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
12 Month Youth (Explorer) CD
$0
4.60% ▲ 1.49% above Michigan avg
View
▼
Rate4.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 1.49% above avgNationally 2.99%
Details

Youth (Explorer) CD: 12-month term; Certificate of Deposit; Penalty may be imposed for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.60% ▲ 0.75 pts · high 4.60% / low 3.85%
3.10%4.23%5.35%Sep 14, 2026: 3.85% APYOct 19, 2026: 4.60% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.60%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
12-month CD
$1,000
4.50% ▲ 1.39% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.11%▲ 1.39% above avgNationally 2.99%
Details

Featured rate; Online Only; 30-day penalty if withdrawn before maturity

Rate History
2 changes since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
3.65%4.33%5.00%Sep 14, 2026: 4.15% APYSep 24, 2026: 4.35% APYOct 20, 2026: 4.50% APYSep 14, 2026Oct 25, 2026
  • Oct 20, 20264.50%▲ from 4.35%
  • Sep 24, 20264.35%▲ from 4.15%
  • Sep 14, 20264.15%first recorded

Bay City 18 Month CD Rates

Michigan 18 Month CD Average3.04% APYNational 2.88%▼ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Lake Huron Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
314 E Midland St, Bay City, MI 48706
18 Month Certificate of Deposit
$0
3.67% ▲ 0.63% above Michigan avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.63% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 3.67% APY · checked 2 times
3.17%3.67%4.17%Oct 13, 2026: 3.67% APYOct 13, 2026Oct 25, 2026
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
401 E MIDLAND ST, BAY CITY, MI 48706
18 Month Certificate of Deposit
$0
3.50% ▲ 0.46% above Michigan avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.46% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 25, 2026
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
915 S Euclid Ave, Bay City, MI 48706
18 Month Share Certificate
$0
3.50% ▲ 0.46% above Michigan avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.46% above avgNationally 2.88%
Details

Compounded/Paid: Quarterly/Quarterly

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Oct 25, 2026
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
915 S Euclid Ave, Bay City, MI 48706
Traditional and Roth IRA Share Certificate - 18 Month
$0
3.50% ▲ 0.46% above Michigan avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.46% above avgNationally 2.88%
Details

Compounded/Paid: Quarterly/Quarterly

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
4129 N Euclid Ave, Bay City, MI 48706
Certificate - 18 Months
$500
3.45% ▲ 0.41% above Michigan avg
View
▼
Rate3.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.41% above avgNationally 2.88%
Details

As of 10/1/2026

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35%
2.85%3.40%3.95%Sep 14, 2026: 3.35% APYOct 10, 2026: 3.45% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20263.45%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
800 N Euclid Ave, Bay City, MI 48706
18 Month CD-Certificate of Deposit
$0
3.31% ▲ 0.27% above Michigan avg
View
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.27% above avgNationally 2.88%
Details

Balance: $250,000 and up

Rate History
No change since Sep 22, 2026 · 3.31% APY · checked 7 times
2.81%3.31%3.81%Sep 22, 2026: 3.31% APYSep 22, 2026Oct 25, 2026
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
800 N Euclid Ave, Bay City, MI 48706
18 Month CD-Certificate of Deposit
$0
3.25% ▲ 0.21% above Michigan avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.21% above avgNationally 2.88%
Details

Balance: $150,000 - $249,000

Rate History
No change since Sep 22, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 22, 2026: 3.25% APYSep 22, 2026Oct 25, 2026
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
6354 Westside Saginaw Rd, Bay City, MI 48706 9394
Hometown Hero 18 month
$250
3.20% ▲ 0.16% above Michigan avg
View
▼
Rate3.15%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.16% above avgNationally 2.88%
Details

Hometown Hero CD for veterans, active military, and first responders including EMT, police and fire staff

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 9 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 25, 2026
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
800 N Euclid Ave, Bay City, MI 48706
18 Month CD-Certificate of Deposit
$0
3.20% ▲ 0.16% above Michigan avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.16% above avgNationally 2.88%
Details

Balance: $100,000 - $149,000

Rate History
No change since Sep 22, 2026 · 3.20% APY · checked 7 times
2.70%3.20%3.70%Sep 22, 2026: 3.20% APYSep 22, 2026Oct 25, 2026
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
800 N Euclid Ave, Bay City, MI 48706
18 Month CD-Certificate of Deposit
$0
3.14% ▲ 0.10% above Michigan avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.10% above avgNationally 2.88%
Details

Balance: $500 - $99,999

Rate History
No change since Sep 22, 2026 · 3.14% APY · checked 7 times
2.64%3.14%3.64%Sep 22, 2026: 3.14% APYSep 22, 2026Oct 25, 2026
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
6354 Westside Saginaw Rd, Bay City, MI 48706 9394
18 Month Certificate
$500
2.95% ▼ 0.09% below Michigan avg
View
▼
Rate2.91%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▼ 0.09% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 9 times
2.45%2.95%3.45%Sep 14, 2026: 2.95% APYSep 14, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
18 Month Regular CD
$1,000
2.90% ▼ 0.14% below Michigan avg
View
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▼ 0.14% below avgNationally 2.88%
Details

Balance: $500,000.00 and over; Shared heading: Regular CD / Traditional IRA CD & Roth IRA CD Accounts

Rate History
No change since Oct 13, 2026 · 2.90% APY · checked 2 times
2.40%2.90%3.40%Oct 13, 2026: 2.90% APYOct 13, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
18-Month CD
$1,000
2.90% ▼ 0.14% below Michigan avg
View
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▼ 0.14% below avgNationally 2.88%
Details

Balance: $500,000.00 and over; Minimum Opening Balance: $1,000.00; CD, Traditional IRA CD & Roth IRA CD Accounts

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 6 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
18 Month Regular CD
$1,000
2.85% ▼ 0.19% below Michigan avg
View
▼
Rate2.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▼ 0.19% below avgNationally 2.88%
Details

Balance: $250,000.00 - $499,999.99; Regular CD / Traditional IRA CD & Roth IRA CD Accounts

Rate History
1 change since Oct 13, 2026 · 2.90% → 2.85% ▼ 0.05 pts · high 2.90% / low 2.85%
2.35%2.88%3.40%Oct 13, 2026: 2.90% APYOct 19, 2026: 2.85% APYOct 13, 2026Oct 25, 2026
  • Oct 19, 20262.85%▼ from 2.90%
  • Oct 13, 20262.90%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
18-Month CD
$1,000
2.85% ▼ 0.19% below Michigan avg
View
▼
Rate2.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▼ 0.19% below avgNationally 2.88%
Details

Tier: $250,000.00 - $499,999.99

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 6 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
18 Month Regular CD
$1,000
2.80% ▼ 0.24% below Michigan avg
View
▼
Rate2.76%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▼ 0.24% below avgNationally 2.88%
Details

Balance: $100,000.00 - $249,999.99; Dividends compounded and credited monthly; Regular CD / Traditional IRA CD & Roth IRA CD Accounts

Rate History
1 change since Oct 13, 2026 · 2.75% → 2.80% ▲ 0.05 pts · high 2.80% / low 2.75%
2.25%2.78%3.30%Oct 13, 2026: 2.75% APYOct 19, 2026: 2.80% APYOct 13, 2026Oct 25, 2026
  • Oct 19, 20262.80%▲ from 2.75%
  • Oct 13, 20262.75%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
18-Month CD
$1,000
2.80% ▼ 0.24% below Michigan avg
View
▼
Rate2.76%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▼ 0.24% below avgNationally 2.88%
Details

Balance tier $100,000.00 - $249,999.99; minimum balance to earn dividends matches the $1,000 minimum opening balance; CD, Traditional IRA CD & Roth IRA CD Accounts

Rate History
1 change since Sep 14, 2026 · 2.85% → 2.80% ▼ 0.05 pts · high 2.85% / low 2.80%
2.30%2.83%3.35%Sep 14, 2026: 2.85% APYOct 19, 2026: 2.80% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20262.80%▼ from 2.85%
  • Sep 14, 20262.85%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
18 Month Regular CD
$1,000
2.75% ▼ 0.29% below Michigan avg
View
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▼ 0.29% below avgNationally 2.88%
Details

Balance: $30,000.00 - 99,999.99; Regular CD / Traditional IRA CD & Roth IRA CD Accounts

Rate History
No change since Oct 13, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 13, 2026: 2.75% APYOct 13, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
18 Month Roth IRA CD
$1,000
2.75% ▼ 0.29% below Michigan avg
View
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▼ 0.29% below avgNationally 2.88%
Details

Balance: $30,000.00 - 99,999.99

Rate History
No change since Oct 19, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 19, 2026: 2.75% APYOct 19, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
18 Month Traditional IRA CD
$1,000
2.75% ▼ 0.29% below Michigan avg
View
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▼ 0.29% below avgNationally 2.88%
Details

Balance: $30,000.00 - 99,999.99

Rate History
No change since Oct 19, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 19, 2026: 2.75% APYOct 19, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
18-Month CD
$1,000
2.75% ▼ 0.29% below Michigan avg
View
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▼ 0.29% below avgNationally 2.88%
Details

Balance: $30,000.00 - 99,999.99; CD, Traditional IRA CD & Roth IRA CD Accounts

Rate History
1 change since Sep 14, 2026 · 2.85% → 2.75% ▼ 0.10 pts · high 2.85% / low 2.75%
2.25%2.80%3.35%Sep 14, 2026: 2.85% APYOct 19, 2026: 2.75% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20262.75%▼ from 2.85%
  • Sep 14, 20262.85%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
18 Month Regular CD
$1,000
2.70% ▼ 0.34% below Michigan avg
View
▼
Rate2.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▼ 0.34% below avgNationally 2.88%
Details

Balance: $1,000.00 - $29,999.99; Minimum Opening Balance & Balance to Earn Dividends: $1,000.00

Rate History
1 change since Oct 13, 2026 · 2.75% → 2.70% ▼ 0.05 pts · high 2.75% / low 2.70%
2.20%2.73%3.25%Oct 13, 2026: 2.75% APYOct 19, 2026: 2.70% APYOct 13, 2026Oct 25, 2026
  • Oct 19, 20262.70%▼ from 2.75%
  • Oct 13, 20262.75%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
18-Month CD
$1,000
2.70% ▼ 0.34% below Michigan avg
View
▼
Rate2.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▼ 0.34% below avgNationally 2.88%
Details

Balance: $1,000.00 - $29,999.99; Also available as Traditional IRA CD and Roth IRA CD; CD, Traditional IRA CD & Roth IRA CD Accounts

Rate History
1 change since Sep 14, 2026 · 2.85% → 2.70% ▼ 0.15 pts · high 2.85% / low 2.70%
2.20%2.78%3.35%Sep 14, 2026: 2.85% APYOct 19, 2026: 2.70% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20262.70%▼ from 2.85%
  • Sep 14, 20262.85%first recorded
FinancialEdge Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1199 S Euclid Ave, Bay City, MI 48706
18 Month Certificates of Deposit
$100,000
2.60% ▼ 0.44% below Michigan avg
View
▼
Rate2.57%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▼ 0.44% below avgNationally 2.88%
Details

$100,000.00 Minimum CD Rates; Dividend period: Monthly

Rate History
No change since Oct 13, 2026 · 2.60% APY · checked 2 times
2.10%2.60%3.10%Oct 13, 2026: 2.60% APYOct 13, 2026Oct 25, 2026
FinancialEdge Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1199 S Euclid Ave, Bay City, MI 48706
18 Month Certificates of Deposit
$1,000
2.50% ▼ 0.54% below Michigan avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▼ 0.54% below avgNationally 2.88%
Details

Dividend period: Monthly

Rate History
No change since Oct 13, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 13, 2026: 2.50% APYOct 13, 2026Oct 25, 2026
Thumb Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
2985 Wilder Rd, Bay City, MI 48706
18 Month CD
$0
1.63% ▼ 1.41% below Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▼ 1.41% below avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 1.63% APY · checked 2 times
1.13%1.63%2.13%Oct 14, 2026: 1.63% APYOct 14, 2026Oct 25, 2026
Thumb Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
2985 Wilder Rd, Bay City, MI 48706
18 Month IRA
$0
1.63% ▼ 1.41% below Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▼ 1.41% below avgNationally 2.88%
Details

Penalty for early withdrawal may apply; Annual Percentage Yields effective July 1, 2026

Rate History
No change since Oct 8, 2026 · 1.63% APY · checked 4 times
1.13%1.63%2.13%Oct 8, 2026: 1.63% APYOct 8, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
Certificate of Deposit - 18 Months
$1,000
0.03% ▼ 3.01% below Michigan avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▼ 3.01% below avgNationally 2.88%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
IRA CD 18 Months
$250
0.03% ▼ 3.01% below Michigan avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▼ 3.01% below avgNationally 2.88%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
Certificate of Deposit - 18 Months
$1,000
0.02% ▼ 3.02% below Michigan avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▼ 3.02% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
IRA CD 18 Months
$250
0.02% ▼ 3.02% below Michigan avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▼ 3.02% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
Certificate of Deposit - 18 Months
$1,000
0.01% ▼ 3.03% below Michigan avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▼ 3.03% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
IRA CD 18 Months
$250
0.01% ▼ 3.03% below Michigan avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▼ 3.03% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 25, 2026
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
18-Month Special - Military
$0
5.25% ▲ 2.21% above Michigan avg
View
▼
Rate5.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 2.21% above avgNationally 2.88%
Details

Military rate; requires full direct deposit of $2,000 or more into checking; military status verification required; At maturity, the CD will be renewed into a 24-month CD.

Rate History
No change since Oct 9, 2026 · 5.25% APY · checked 4 times
4.75%5.25%5.75%Oct 9, 2026: 5.25% APYOct 9, 2026Oct 25, 2026
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
18 Month Certificate
$500
4.50% ▲ 1.46% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.46% above avgNationally 2.88%
Details

Dividends compounded and credited monthly; Rates effective as of October 19, 2026

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10%
3.60%4.30%5.00%Sep 14, 2026: 4.10% APYSep 29, 2026: 4.50% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20264.50%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Certificates of Deposit - 18 Month
$0
4.50% ▲ 1.46% above Michigan avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.46% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 25, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
18-month CD
$1,000
4.45% ▲ 1.41% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▲ 1.41% above avgNationally 2.88%
Details

Online Only; 30-day penalty if withdrawn before maturity

Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.45% ▲ 0.45 pts · high 4.45% / low 4.00%
3.50%4.23%4.95%Sep 14, 2026: 4.00% APYSep 24, 2026: 4.15% APYOct 20, 2026: 4.45% APYSep 14, 2026Oct 25, 2026
  • Oct 20, 20264.45%▲ from 4.15%
  • Sep 24, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Certificate of Deposit - 18 Month
$0
4.40% ▲ 1.36% above Michigan avg
View
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▲ 1.36% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 18, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
3.70%4.30%4.90%Sep 18, 2026: 4.20% APYSep 24, 2026: 4.30% APYOct 14, 2026: 4.40% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20264.40%▲ from 4.30%
  • Sep 24, 20264.30%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Time Certificate of Deposit - 18 Month
$0
4.40% ▲ 1.36% above Michigan avg
View
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▲ 1.36% above avgNationally 2.88%
Details

East Lansing Rates

Rate History
1 change since Oct 7, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Oct 7, 2026: 4.30% APYOct 14, 2026: 4.40% APYOct 7, 2026Oct 25, 2026
  • Oct 14, 20264.40%▲ from 4.30%
  • Oct 7, 20264.30%first recorded
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
18 Month Share Certificate
$0
4.29% ▲ 1.25% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.04%▲ 1.25% above avgNationally 2.88%
Details

Special CD/Share Certificate Rates; Only new funds eligible for promotional rate. Qualifications apply.

Rate History
No change since Oct 8, 2026 · 4.29% APY · checked 2 times
3.79%4.29%4.79%Oct 8, 2026: 4.29% APYOct 8, 2026Oct 25, 2026
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Special Share Certificates - 18 Month
$0
4.29% ▲ 1.25% above Michigan avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.04%▲ 1.25% above avgNationally 2.88%
Details

Dividend rate 4.21%; APY 4.29%; A penalty may be imposed for early withdrawal

Rate History
No change since Oct 15, 2026 · 4.29% APY · checked 2 times
3.79%4.29%4.79%Oct 15, 2026: 4.29% APYOct 15, 2026Oct 25, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 18 Month
$2,500
4.25% ▲ 1.21% above Michigan avg
View
▼
Rate4.18%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▲ 1.21% above avgNationally 2.88%
Details

Relationship CD; relationship defined as Direct Deposit Checking; Minimum $2500 to open

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
3.60%4.18%4.75%Sep 14, 2026: 4.10% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.25%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
18 Month Certificate Special
$0
4.25% ▲ 1.21% above Michigan avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.21% above avgNationally 2.88%
Details

At maturity, the CD will be renewed into a 24-month CD.

Rate History
No change since Oct 19, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 19, 2026: 4.25% APYOct 19, 2026Oct 25, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
18-Month CD
$500
4.25% ▲ 1.21% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▲ 1.21% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 25, 2026
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Simple CD - 18 Months
$500
4.25% ▲ 1.21% above Michigan avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.21% above avgNationally 2.88%
Details

Starting minimum deposit of $500; not eligible for Member Saver Reward

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 25, 2026
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
18 Month Promo CD Special
$0
4.15% ▲ 1.11% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▲ 1.11% above avgNationally 2.88%
Details

Open in Minutes

Rate History
No change since Oct 22, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 22, 2026: 4.15% APYOct 22, 2026Oct 25, 2026
Southern Michigan Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
18 Month CD - With Early Withdrawal Penalty
$500
4.15% ▲ 1.11% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▲ 1.11% above avgNationally 2.88%
Details

Early withdrawal penalty equal to six months' interest; renews at then-current 12-month CD term rate at maturity; APY accurate as of October 15, 2026

Rate History
No change since Oct 22, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 22, 2026: 4.15% APYOct 22, 2026Oct 25, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
18 Month Certificate or IRA-HSA Jumbo
$0
4.15% ▲ 1.11% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.04%▲ 1.11% above avgNationally 2.88%
Details

Valid thru 10/25/2026

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85%
3.35%4.00%4.65%Sep 18, 2026: 3.85% APYSep 25, 2026: 4.15% APYSep 18, 2026Oct 25, 2026
  • Sep 25, 20264.15%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
18 Month Certificates
$1,000
4.15% ▲ 1.11% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.11% above avgNationally 2.88%
Details

Dividends are paid monthly.

Rate History
1 change since Sep 26, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 26, 2026: 3.75% APYOct 19, 2026: 4.15% APYSep 26, 2026Oct 25, 2026
  • Oct 19, 20264.15%▲ from 3.75%
  • Sep 26, 20263.75%first recorded
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
18 Month IRA Certificate
$0
4.10% ▲ 1.06% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.04%▲ 1.06% above avgNationally 2.88%
Details

IRA - Individual accounts only

Rate History
No change since Sep 16, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 16, 2026: 4.10% APYSep 16, 2026Oct 25, 2026

Bay City 24 Month CD Rates

Michigan 24 Month CD Average2.96% APYNational 2.90%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Lake Huron Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
314 E Midland St, Bay City, MI 48706
24 Month Certificate of Deposit
$0
4.50% ▲ 1.54% above Michigan avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 1.54% above avgNationally 2.90%
Details

Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 25, 2026
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
915 S Euclid Ave, Bay City, MI 48706
24 Month Share Certificate
$0
3.50% ▲ 0.54% above Michigan avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 0.54% above avgNationally 2.90%
Details

Compounded/Paid: Quarterly/Quarterly

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Oct 25, 2026
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
915 S Euclid Ave, Bay City, MI 48706
Traditional and Roth IRA Share Certificate - 24 Month
$0
3.50% ▲ 0.54% above Michigan avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 0.54% above avgNationally 2.90%
Details

Compounded/Paid: Quarterly/Quarterly

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
401 E MIDLAND ST, BAY CITY, MI 48706
24 Month Certificate of Deposit
$0
3.45% ▲ 0.49% above Michigan avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 0.49% above avgNationally 2.90%
Details

Rate History
No change since Oct 13, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 13, 2026: 3.45% APYOct 13, 2026Oct 25, 2026
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
800 N Euclid Ave, Bay City, MI 48706
24 Month CD-Certificate of Deposit
$0
3.35% ▲ 0.39% above Michigan avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 0.39% above avgNationally 2.90%
Details

Balance: $250,000 and up

Rate History
No change since Sep 22, 2026 · 3.35% APY · checked 7 times
2.85%3.35%3.85%Sep 22, 2026: 3.35% APYSep 22, 2026Oct 25, 2026
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
800 N Euclid Ave, Bay City, MI 48706
24 Month CD-Certificate of Deposit
$0
3.31% ▲ 0.35% above Michigan avg
View
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 0.35% above avgNationally 2.90%
Details

Balance: $150,000 - $249,000

Rate History
No change since Sep 22, 2026 · 3.31% APY · checked 7 times
2.81%3.31%3.81%Sep 22, 2026: 3.31% APYSep 22, 2026Oct 25, 2026
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
4129 N Euclid Ave, Bay City, MI 48706
Certificate - 24 Month Start 'N Grow
$500
3.30% ▲ 0.34% above Michigan avg
View
▼
Rate3.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 0.34% above avgNationally 2.90%
Details

As of 10/1/2026

Rate History
No change since Oct 19, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 19, 2026: 3.30% APYOct 19, 2026Oct 25, 2026
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
4129 N Euclid Ave, Bay City, MI 48706
Certificate - 24 Months
$500
3.30% ▲ 0.34% above Michigan avg
View
▼
Rate3.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 0.34% above avgNationally 2.90%
Details

As of 10/1/2026

Rate History
1 change since Sep 18, 2026 · 3.20% → 3.30% ▲ 0.10 pts · high 3.30% / low 3.20%
2.70%3.25%3.80%Sep 18, 2026: 3.20% APYOct 10, 2026: 3.30% APYSep 18, 2026Oct 25, 2026
  • Oct 10, 20263.30%▲ from 3.20%
  • Sep 18, 20263.20%first recorded
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
800 N Euclid Ave, Bay City, MI 48706
24 Month CD-Certificate of Deposit
$0
3.25% ▲ 0.29% above Michigan avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 0.29% above avgNationally 2.90%
Details

Balance: $100,000 - $149,000

Rate History
No change since Sep 22, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 22, 2026: 3.25% APYSep 22, 2026Oct 25, 2026
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
800 N Euclid Ave, Bay City, MI 48706
24 Month CD-Certificate of Deposit
$0
3.20% ▲ 0.24% above Michigan avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 0.24% above avgNationally 2.90%
Details

Balance: $500 - $99,999

Rate History
No change since Sep 22, 2026 · 3.20% APY · checked 7 times
2.70%3.20%3.70%Sep 22, 2026: 3.20% APYSep 22, 2026Oct 25, 2026
Independent Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
745 N Euclid Ave, Bay City, MI 48706
24-Month CD
$0
3.09% ▲ 0.13% above Michigan avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.96%▲ 0.13% above avgNationally 2.90%
Details

Interest Tier: $500 minimum; Effective October 14, 2026

Rate History
3 changes since Sep 18, 2026 · 2.68% → 3.09% ▲ 0.41 pts · high 3.09% / low 2.68%
2.18%2.89%3.59%Sep 18, 2026: 2.68% APYSep 24, 2026: 2.73% APYOct 2, 2026: 2.89% APYOct 14, 2026: 3.09% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20263.09%▲ from 2.89%
  • Oct 2, 20262.89%▲ from 2.73%
  • Sep 24, 20262.73%▲ from 2.68%
  • Sep 18, 20262.68%first recorded
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
6354 Westside Saginaw Rd, Bay City, MI 48706 9394
24 Month Certificate
$500
2.95% ▼ 0.01% below Michigan avg
View
▼
Rate2.91%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▼ 0.01% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 9 times
2.45%2.95%3.45%Sep 14, 2026: 2.95% APYSep 14, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
24 Month Regular CD
$1,000
2.95% ▼ 0.01% below Michigan avg
View
▼
Rate2.91%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▼ 0.01% below avgNationally 2.90%
Details

Balance: $500,000.00 and over; Shared heading: Regular CD / Traditional IRA CD & Roth IRA CD Accounts

Rate History
No change since Oct 13, 2026 · 2.95% APY · checked 2 times
2.45%2.95%3.45%Oct 13, 2026: 2.95% APYOct 13, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
24-Month CD
$1,000
2.95% ▼ 0.01% below Michigan avg
View
▼
Rate2.91%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▼ 0.01% below avgNationally 2.90%
Details

Balance: $500,000.00 and over; Minimum Opening Balance: $1,000.00; CD, Traditional IRA CD & Roth IRA CD Accounts

Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 6 times
2.45%2.95%3.45%Sep 14, 2026: 2.95% APYSep 14, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
24 Month Regular CD
$1,000
2.90% ▼ 0.06% below Michigan avg
View
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▼ 0.06% below avgNationally 2.90%
Details

Balance: $250,000.00 - $499,999.99; Regular CD / Traditional IRA CD & Roth IRA CD Accounts

Rate History
1 change since Oct 13, 2026 · 2.95% → 2.90% ▼ 0.05 pts · high 2.95% / low 2.90%
2.40%2.93%3.45%Oct 13, 2026: 2.95% APYOct 19, 2026: 2.90% APYOct 13, 2026Oct 25, 2026
  • Oct 19, 20262.90%▼ from 2.95%
  • Oct 13, 20262.95%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
24-Month CD
$1,000
2.90% ▼ 0.06% below Michigan avg
View
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▼ 0.06% below avgNationally 2.90%
Details

Tier: $250,000.00 - $499,999.99

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 6 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
24 Month Regular CD
$1,000
2.85% ▼ 0.11% below Michigan avg
View
▼
Rate2.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▼ 0.11% below avgNationally 2.90%
Details

Balance: $100,000.00 - $249,999.99; Dividends compounded and credited monthly; Regular CD / Traditional IRA CD & Roth IRA CD Accounts

Rate History
1 change since Oct 13, 2026 · 2.80% → 2.85% ▲ 0.05 pts · high 2.85% / low 2.80%
2.30%2.83%3.35%Oct 13, 2026: 2.80% APYOct 19, 2026: 2.85% APYOct 13, 2026Oct 25, 2026
  • Oct 19, 20262.85%▲ from 2.80%
  • Oct 13, 20262.80%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
24-Month CD
$1,000
2.85% ▼ 0.11% below Michigan avg
View
▼
Rate2.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▼ 0.11% below avgNationally 2.90%
Details

Balance tier $100,000.00 - $249,999.99; minimum balance to earn dividends matches the $1,000 minimum opening balance; CD, Traditional IRA CD & Roth IRA CD Accounts

Rate History
1 change since Sep 14, 2026 · 2.90% → 2.85% ▼ 0.05 pts · high 2.90% / low 2.85%
2.35%2.88%3.40%Sep 14, 2026: 2.90% APYOct 19, 2026: 2.85% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20262.85%▼ from 2.90%
  • Sep 14, 20262.90%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
24 Month Regular CD
$1,000
2.80% ▼ 0.16% below Michigan avg
View
▼
Rate2.76%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▼ 0.16% below avgNationally 2.90%
Details

Balance: $30,000.00 - 99,999.99; Regular CD / Traditional IRA CD & Roth IRA CD Accounts

Rate History
No change since Oct 13, 2026 · 2.80% APY · checked 2 times
2.30%2.80%3.30%Oct 13, 2026: 2.80% APYOct 13, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
24 Month Roth IRA CD
$1,000
2.80% ▼ 0.16% below Michigan avg
View
▼
Rate2.76%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▼ 0.16% below avgNationally 2.90%
Details

Balance: $30,000.00 - 99,999.99

Rate History
No change since Oct 19, 2026 · 2.80% APY
2.30%2.80%3.30%Oct 19, 2026: 2.80% APYOct 19, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
24 Month Traditional IRA CD
$1,000
2.80% ▼ 0.16% below Michigan avg
View
▼
Rate2.76%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▼ 0.16% below avgNationally 2.90%
Details

Balance: $30,000.00 - 99,999.99

Rate History
No change since Oct 19, 2026 · 2.80% APY
2.30%2.80%3.30%Oct 19, 2026: 2.80% APYOct 19, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
24-Month CD
$1,000
2.80% ▼ 0.16% below Michigan avg
View
▼
Rate2.76%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▼ 0.16% below avgNationally 2.90%
Details

Balance: $30,000.00 - 99,999.99; CD, Traditional IRA CD & Roth IRA CD Accounts

Rate History
1 change since Sep 14, 2026 · 2.90% → 2.80% ▼ 0.10 pts · high 2.90% / low 2.80%
2.30%2.85%3.40%Sep 14, 2026: 2.90% APYOct 19, 2026: 2.80% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20262.80%▼ from 2.90%
  • Sep 14, 20262.90%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
24 Month Regular CD
$1,000
2.75% ▼ 0.21% below Michigan avg
View
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▼ 0.21% below avgNationally 2.90%
Details

Balance: $1,000.00 - $29,999.99; Minimum Opening Balance & Balance to Earn Dividends: $1,000.00

Rate History
1 change since Oct 13, 2026 · 2.80% → 2.75% ▼ 0.05 pts · high 2.80% / low 2.75%
2.25%2.78%3.30%Oct 13, 2026: 2.80% APYOct 19, 2026: 2.75% APYOct 13, 2026Oct 25, 2026
  • Oct 19, 20262.75%▼ from 2.80%
  • Oct 13, 20262.80%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
24-Month CD
$1,000
2.75% ▼ 0.21% below Michigan avg
View
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▼ 0.21% below avgNationally 2.90%
Details

Balance: $1,000.00 - $29,999.99; Also available as Traditional IRA CD and Roth IRA CD; CD, Traditional IRA CD & Roth IRA CD Accounts

Rate History
1 change since Sep 14, 2026 · 2.90% → 2.75% ▼ 0.15 pts · high 2.90% / low 2.75%
2.25%2.83%3.40%Sep 14, 2026: 2.90% APYOct 19, 2026: 2.75% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20262.75%▼ from 2.90%
  • Sep 14, 20262.90%first recorded
FinancialEdge Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1199 S Euclid Ave, Bay City, MI 48706
24 Month Certificates of Deposit
$100,000
2.60% ▼ 0.36% below Michigan avg
View
▼
Rate2.57%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▼ 0.36% below avgNationally 2.90%
Details

$100,000.00 Minimum CD Rates; Dividend period: Monthly

Rate History
No change since Oct 13, 2026 · 2.60% APY · checked 2 times
2.10%2.60%3.10%Oct 13, 2026: 2.60% APYOct 13, 2026Oct 25, 2026
FinancialEdge Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1199 S Euclid Ave, Bay City, MI 48706
24 Month Certificates of Deposit
$1,000
2.47% ▼ 0.49% below Michigan avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▼ 0.49% below avgNationally 2.90%
Details

Dividend period: Monthly

Rate History
No change since Oct 13, 2026 · 2.47% APY · checked 2 times
1.97%2.47%2.97%Oct 13, 2026: 2.47% APYOct 13, 2026Oct 25, 2026
Thumb Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
2985 Wilder Rd, Bay City, MI 48706
2 Year CD
$0
1.66% ▼ 1.30% below Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.96%▼ 1.30% below avgNationally 2.90%
Details

Rate History
No change since Oct 14, 2026 · 1.66% APY · checked 2 times
1.16%1.66%2.16%Oct 14, 2026: 1.66% APYOct 14, 2026Oct 25, 2026
Thumb Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
2985 Wilder Rd, Bay City, MI 48706
2 Year IRA
$0
1.66% ▼ 1.30% below Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.96%▼ 1.30% below avgNationally 2.90%
Details

Penalty for early withdrawal may apply; Annual Percentage Yields effective July 1, 2026

Rate History
No change since Oct 8, 2026 · 1.66% APY · checked 4 times
1.16%1.66%2.16%Oct 8, 2026: 1.66% APYOct 8, 2026Oct 25, 2026
Sunrise Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
404 S Euclid Ave, Bay City, MI 48706 3206
24 Month Certificate Account
$1,000
1.50% ▼ 1.46% below Michigan avg
View
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▼ 1.46% below avgNationally 2.90%
Details

Early withdrawal penalty: 90 days for one (1) year or less; 180 days for one (1) year or more. Current or New Money for Deposit. Non-renewable.

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
Certificate of Deposit - 24 Months
$1,000
0.03% ▼ 2.93% below Michigan avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.96%▼ 2.93% below avgNationally 2.90%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
IRA CD 24 Months
$250
0.03% ▼ 2.93% below Michigan avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.96%▼ 2.93% below avgNationally 2.90%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
Certificate of Deposit - 24 Months
$1,000
0.02% ▼ 2.94% below Michigan avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.96%▼ 2.94% below avgNationally 2.90%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
IRA CD 24 Months
$250
0.02% ▼ 2.94% below Michigan avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.96%▼ 2.94% below avgNationally 2.90%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
Certificate of Deposit - 24 Months
$1,000
0.01% ▼ 2.95% below Michigan avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.96%▼ 2.95% below avgNationally 2.90%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
IRA CD 24 Months
$250
0.01% ▼ 2.95% below Michigan avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.96%▼ 2.95% below avgNationally 2.90%
Details

Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 25, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 24 Month
$2,500
4.50% ▲ 1.54% above Michigan avg
View
▼
Rate4.43%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.96%▲ 1.54% above avgNationally 2.90%
Details

Relationship CD; relationship defined as Direct Deposit Checking; Minimum $2500 to open

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
3.65%4.33%5.00%Sep 14, 2026: 4.15% APYSep 24, 2026: 4.50% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.50%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
24 Month Certificate
$500
4.50% ▲ 1.54% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 1.54% above avgNationally 2.90%
Details

Dividends compounded and credited monthly; Rates effective as of October 19, 2026

Rate History
2 changes since Sep 18, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
3.70%4.35%5.00%Sep 18, 2026: 4.20% APYSep 22, 2026: 4.40% APYSep 29, 2026: 4.50% APYSep 18, 2026Oct 25, 2026
  • Sep 29, 20264.50%▲ from 4.40%
  • Sep 22, 20264.40%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Certificates of Deposit - 24 Month
$0
4.50% ▲ 1.54% above Michigan avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 1.54% above avgNationally 2.90%
Details

Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 25, 2026
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
24 Month Share Certificate
$0
4.45% ▲ 1.49% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.96%▲ 1.49% above avgNationally 2.90%
Details

Special CD/Share Certificate Rates; Only new funds eligible for promotional rate. Qualifications apply.

Rate History
No change since Oct 8, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 8, 2026: 4.45% APYOct 8, 2026Oct 25, 2026
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Special Share Certificates - 24 Month
$0
4.45% ▲ 1.49% above Michigan avg
View
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.96%▲ 1.49% above avgNationally 2.90%
Details

Dividend rate 4.36%; APY 4.45%; A penalty may be imposed for early withdrawal

Rate History
No change since Oct 15, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 15, 2026: 4.45% APYOct 15, 2026Oct 25, 2026
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Certificate of Deposit - 24 Month
$0
4.40% ▲ 1.44% above Michigan avg
View
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.96%▲ 1.44% above avgNationally 2.90%
Details

Rate History
2 changes since Sep 18, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00%
3.50%4.20%4.90%Sep 18, 2026: 4.00% APYSep 24, 2026: 4.30% APYOct 14, 2026: 4.40% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20264.40%▲ from 4.30%
  • Sep 24, 20264.30%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Time Certificate of Deposit - 24 Month
$0
4.40% ▲ 1.44% above Michigan avg
View
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.96%▲ 1.44% above avgNationally 2.90%
Details

East Lansing Rates

Rate History
1 change since Oct 7, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Oct 7, 2026: 4.30% APYOct 14, 2026: 4.40% APYOct 7, 2026Oct 25, 2026
  • Oct 14, 20264.40%▲ from 4.30%
  • Oct 7, 20264.30%first recorded
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
2 year Business Share Certificates
$0
4.40% ▲ 1.44% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 1.44% above avgNationally 2.90%
Details

Balance: $1,000 to $24,999

Rate History
No change since Oct 13, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 13, 2026: 4.40% APYOct 13, 2026Oct 25, 2026
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
2 year Share Certificates
$1,000
4.40% ▲ 1.44% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 1.44% above avgNationally 2.90%
Details

Balance: $1,000 to $24,999; Tier 1; Dividends compounded and paid quarterly

Rate History
No change since Oct 13, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 13, 2026: 4.40% APYOct 13, 2026Oct 25, 2026
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Simple CD - 24 Months
$500
4.40% ▲ 1.44% above Michigan avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 1.44% above avgNationally 2.90%
Details

Starting minimum deposit of $500; not eligible for Member Saver Reward

Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 14, 2026: 4.40% APYOct 14, 2026Oct 25, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
24-month CD
$1,000
4.35% ▲ 1.39% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.96%▲ 1.39% above avgNationally 2.90%
Details

Online Only; 30-day penalty if withdrawn before maturity

Rate History
2 changes since Sep 14, 2026 · 3.00% → 4.35% ▲ 1.35 pts · high 4.35% / low 3.00%
1.65%3.68%5.70%Sep 14, 2026: 3.00% APYSep 24, 2026: 4.00% APYOct 20, 2026: 4.35% APYSep 14, 2026Oct 25, 2026
  • Oct 20, 20264.35%▲ from 4.00%
  • Sep 24, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
24 Month Certificate - Platinum Member Specials
$1,000
4.32% ▲ 1.36% above Michigan avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 1.36% above avgNationally 2.90%
Details

Platinum Membership rate; requires 3 of 4 services: Checking, Debit Card, Online Banking, Direct Deposit; $1,000 minimum deposit; APYs as of 9/24/2026

Rate History
No change since Oct 19, 2026 · 4.32% APY
3.82%4.32%4.82%Oct 19, 2026: 4.32% APYOct 19, 2026Oct 25, 2026
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
24 Month IRA Certificate - Platinum Member Specials
$1,000
4.32% ▲ 1.36% above Michigan avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 1.36% above avgNationally 2.90%
Details

Platinum Membership rate; requires 3 of 4 services: Checking, Debit Card, Online Banking, Direct Deposit; $1,000 minimum deposit; APYs as of 9/24/2026

Rate History
No change since Oct 19, 2026 · 4.32% APY
3.82%4.32%4.82%Oct 19, 2026: 4.32% APYOct 19, 2026Oct 25, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2-Year Certificate or IRA-HSA Jumbo
$0
4.30% ▲ 1.34% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.96%▲ 1.34% above avgNationally 2.90%
Details

Valid thru 10/25/2026

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
3.65%4.23%4.80%Sep 18, 2026: 4.15% APYSep 25, 2026: 4.30% APYSep 18, 2026Oct 25, 2026
  • Sep 25, 20264.30%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
Jumbo Share Certificate - 24 months
$100,000
4.27% ▲ 1.31% above Michigan avg
View
▼
Rate4.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.96%▲ 1.31% above avgNationally 2.90%
Details

Minimum deposit of $100,000.00; Certificate specials will not renew at end of term; A penalty may be imposed for early withdrawal

Rate History
1 change since Sep 12, 2026 · 3.91% → 4.27% ▲ 0.36 pts · high 4.27% / low 3.91%
3.41%4.09%4.77%Sep 12, 2026: 3.91% APYOct 4, 2026: 4.27% APYSep 12, 2026Oct 25, 2026
  • Oct 4, 20264.27%▲ from 3.91%
  • Sep 12, 20263.91%first recorded

Bay City 36 Month CD Rates

Michigan 36 Month CD Average2.93% APYNational 2.81%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Lake Huron Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
314 E Midland St, Bay City, MI 48706
36 Month Certificate of Deposit
$0
3.56% ▲ 0.63% above Michigan avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 0.63% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 13, 2026: 3.56% APYOct 13, 2026Oct 25, 2026
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
800 N Euclid Ave, Bay City, MI 48706
36 Month CD-Certificate of Deposit
$0
3.50% ▲ 0.57% above Michigan avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 0.57% above avgNationally 2.81%
Details

Balance: $250,000 and up

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Oct 25, 2026
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
800 N Euclid Ave, Bay City, MI 48706
36 Month CD-Certificate of Deposit
$0
3.45% ▲ 0.52% above Michigan avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 0.52% above avgNationally 2.81%
Details

Balance: $150,000 - $249,000

Rate History
No change since Sep 22, 2026 · 3.45% APY · checked 7 times
2.95%3.45%3.95%Sep 22, 2026: 3.45% APYSep 22, 2026Oct 25, 2026
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
800 N Euclid Ave, Bay City, MI 48706
36 Month CD-Certificate of Deposit
$0
3.40% ▲ 0.47% above Michigan avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 0.47% above avgNationally 2.81%
Details

Balance: $100,000 - $149,000

Rate History
No change since Sep 22, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 22, 2026: 3.40% APYSep 22, 2026Oct 25, 2026
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
800 N Euclid Ave, Bay City, MI 48706
36 Month CD-Certificate of Deposit
$0
3.35% ▲ 0.42% above Michigan avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 0.42% above avgNationally 2.81%
Details

Balance: $500 - $99,999

Rate History
No change since Sep 22, 2026 · 3.35% APY · checked 7 times
2.85%3.35%3.85%Sep 22, 2026: 3.35% APYSep 22, 2026Oct 25, 2026
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
401 E MIDLAND ST, BAY CITY, MI 48706
36 Month Certificate of Deposit
$0
3.35% ▲ 0.42% above Michigan avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 0.42% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 13, 2026: 3.35% APYOct 13, 2026Oct 25, 2026
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
4129 N Euclid Ave, Bay City, MI 48706
Certificate - 36 Months
$500
3.25% ▲ 0.32% above Michigan avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 0.32% above avgNationally 2.81%
Details

As of 10/1/2026

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
915 S Euclid Ave, Bay City, MI 48706
36 Month Share Certificate
$0
3.25% ▲ 0.32% above Michigan avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 0.32% above avgNationally 2.81%
Details

Compounded/Paid: Quarterly/Quarterly

Rate History
No change since Sep 22, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 22, 2026: 3.25% APYSep 22, 2026Oct 25, 2026
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
915 S Euclid Ave, Bay City, MI 48706
Traditional and Roth IRA Share Certificate - 36 Month
$0
3.25% ▲ 0.32% above Michigan avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 0.32% above avgNationally 2.81%
Details

Compounded/Paid: Quarterly/Quarterly

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
6354 Westside Saginaw Rd, Bay City, MI 48706 9394
Safe Parking 36 month
$500
3.10% ▲ 0.17% above Michigan avg
View
▼
Rate3.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 0.17% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 9 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
36 Month Regular CD
$1,000
3.05% ▲ 0.12% above Michigan avg
View
▼
Rate3.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 0.12% above avgNationally 2.81%
Details

Balance: $500,000.00 and over; Shared heading: Regular CD / Traditional IRA CD & Roth IRA CD Accounts

Rate History
No change since Oct 13, 2026 · 3.05% APY · checked 2 times
2.55%3.05%3.55%Oct 13, 2026: 3.05% APYOct 13, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
36-Month CD
$1,000
3.05% ▲ 0.12% above Michigan avg
View
▼
Rate3.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 0.12% above avgNationally 2.81%
Details

Balance: $500,000.00 and over; Minimum Opening Balance: $1,000.00; CD, Traditional IRA CD & Roth IRA CD Accounts

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 6 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
36 Month Regular CD
$1,000
3.00% ▲ 0.07% above Michigan avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 0.07% above avgNationally 2.81%
Details

Balance: $250,000.00 - $499,999.99; Regular CD / Traditional IRA CD & Roth IRA CD Accounts

Rate History
1 change since Oct 13, 2026 · 3.05% → 3.00% ▼ 0.05 pts · high 3.05% / low 3.00%
2.50%3.03%3.55%Oct 13, 2026: 3.05% APYOct 19, 2026: 3.00% APYOct 13, 2026Oct 25, 2026
  • Oct 19, 20263.00%▼ from 3.05%
  • Oct 13, 20263.05%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
36-Month CD
$1,000
3.00% ▲ 0.07% above Michigan avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 0.07% above avgNationally 2.81%
Details

Tier: $250,000.00 - $499,999.99

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
36 Month Regular CD
$1,000
2.95% ▲ 0.02% above Michigan avg
View
▼
Rate2.91%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 0.02% above avgNationally 2.81%
Details

Balance: $100,000.00 - $249,999.99; Dividends compounded and credited monthly; Regular CD / Traditional IRA CD & Roth IRA CD Accounts

Rate History
1 change since Oct 13, 2026 · 2.90% → 2.95% ▲ 0.05 pts · high 2.95% / low 2.90%
2.40%2.93%3.45%Oct 13, 2026: 2.90% APYOct 19, 2026: 2.95% APYOct 13, 2026Oct 25, 2026
  • Oct 19, 20262.95%▲ from 2.90%
  • Oct 13, 20262.90%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
36-Month CD
$1,000
2.95% ▲ 0.02% above Michigan avg
View
▼
Rate2.91%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 0.02% above avgNationally 2.81%
Details

Balance tier $100,000.00 - $249,999.99; minimum balance to earn dividends matches the $1,000 minimum opening balance; CD, Traditional IRA CD & Roth IRA CD Accounts

Rate History
1 change since Sep 14, 2026 · 3.00% → 2.95% ▼ 0.05 pts · high 3.00% / low 2.95%
2.45%2.98%3.50%Sep 14, 2026: 3.00% APYOct 19, 2026: 2.95% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20262.95%▼ from 3.00%
  • Sep 14, 20263.00%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
36 Month Regular CD
$1,000
2.90% ▼ 0.03% below Michigan avg
View
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▼ 0.03% below avgNationally 2.81%
Details

Balance: $30,000.00 - 99,999.99; Regular CD / Traditional IRA CD & Roth IRA CD Accounts

Rate History
No change since Oct 13, 2026 · 2.90% APY · checked 2 times
2.40%2.90%3.40%Oct 13, 2026: 2.90% APYOct 13, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
36 Month Roth IRA CD
$1,000
2.90% ▼ 0.03% below Michigan avg
View
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▼ 0.03% below avgNationally 2.81%
Details

Balance: $30,000.00 - 99,999.99

Rate History
No change since Oct 19, 2026 · 2.90% APY
2.40%2.90%3.40%Oct 19, 2026: 2.90% APYOct 19, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
36 Month Traditional IRA CD
$1,000
2.90% ▼ 0.03% below Michigan avg
View
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▼ 0.03% below avgNationally 2.81%
Details

Balance: $30,000.00 - 99,999.99

Rate History
No change since Oct 19, 2026 · 2.90% APY
2.40%2.90%3.40%Oct 19, 2026: 2.90% APYOct 19, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
36-Month CD
$1,000
2.90% ▼ 0.03% below Michigan avg
View
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▼ 0.03% below avgNationally 2.81%
Details

Balance: $30,000.00 - 99,999.99; CD, Traditional IRA CD & Roth IRA CD Accounts

Rate History
1 change since Sep 14, 2026 · 3.00% → 2.90% ▼ 0.10 pts · high 3.00% / low 2.90%
2.40%2.95%3.50%Sep 14, 2026: 3.00% APYOct 19, 2026: 2.90% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20262.90%▼ from 3.00%
  • Sep 14, 20263.00%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
36 Month Regular CD
$1,000
2.85% ▼ 0.08% below Michigan avg
View
▼
Rate2.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▼ 0.08% below avgNationally 2.81%
Details

Balance: $1,000.00 - $29,999.99; Minimum Opening Balance & Balance to Earn Dividends: $1,000.00

Rate History
1 change since Oct 13, 2026 · 2.90% → 2.85% ▼ 0.05 pts · high 2.90% / low 2.85%
2.35%2.88%3.40%Oct 13, 2026: 2.90% APYOct 19, 2026: 2.85% APYOct 13, 2026Oct 25, 2026
  • Oct 19, 20262.85%▼ from 2.90%
  • Oct 13, 20262.90%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
36-Month CD
$1,000
2.85% ▼ 0.08% below Michigan avg
View
▼
Rate2.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▼ 0.08% below avgNationally 2.81%
Details

Balance: $1,000.00 - $29,999.99; Also available as Traditional IRA CD and Roth IRA CD; CD, Traditional IRA CD & Roth IRA CD Accounts

Rate History
1 change since Sep 14, 2026 · 3.00% → 2.85% ▼ 0.15 pts · high 3.00% / low 2.85%
2.35%2.93%3.50%Sep 14, 2026: 3.00% APYOct 19, 2026: 2.85% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20262.85%▼ from 3.00%
  • Sep 14, 20263.00%first recorded
FinancialEdge Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1199 S Euclid Ave, Bay City, MI 48706
36 Month Certificates of Deposit
$1,000
2.70% ▼ 0.23% below Michigan avg
View
▼
Rate2.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▼ 0.23% below avgNationally 2.81%
Details

Dividend period: Monthly

Rate History
No change since Oct 13, 2026 · 2.70% APY · checked 2 times
2.20%2.70%3.20%Oct 13, 2026: 2.70% APYOct 13, 2026Oct 25, 2026
Sunrise Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
404 S Euclid Ave, Bay City, MI 48706 3206
36 Month Certificate Account
$1,000
1.75% ▼ 1.18% below Michigan avg
View
▼
Rate1.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▼ 1.18% below avgNationally 2.81%
Details

Early withdrawal penalty: 90 days for one (1) year or less; 180 days for one (1) year or more. Current or New Money for Deposit. Non-renewable.

Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 3 times
1.25%1.75%2.25%Sep 18, 2026: 1.75% APYSep 18, 2026Oct 25, 2026
Thumb Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
2985 Wilder Rd, Bay City, MI 48706
3 Year CD
$0
1.71% ▼ 1.22% below Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.93%▼ 1.22% below avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 1.71% APY · checked 2 times
1.21%1.71%2.21%Oct 14, 2026: 1.71% APYOct 14, 2026Oct 25, 2026
Thumb Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
2985 Wilder Rd, Bay City, MI 48706
3 Year IRA
$0
1.71% ▼ 1.22% below Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.93%▼ 1.22% below avgNationally 2.81%
Details

Penalty for early withdrawal may apply; Annual Percentage Yields effective July 1, 2026

Rate History
No change since Oct 8, 2026 · 1.71% APY · checked 4 times
1.21%1.71%2.21%Oct 8, 2026: 1.71% APYOct 8, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
Certificate of Deposit - 36 Months
$1,000
0.03% ▼ 2.90% below Michigan avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.93%▼ 2.90% below avgNationally 2.81%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
IRA CD 36 Months
$250
0.03% ▼ 2.90% below Michigan avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.93%▼ 2.90% below avgNationally 2.81%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
Certificate of Deposit - 36 Months
$1,000
0.02% ▼ 2.91% below Michigan avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.93%▼ 2.91% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
IRA CD 36 Months
$250
0.02% ▼ 2.91% below Michigan avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.93%▼ 2.91% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
Certificate of Deposit - 36 Months
$1,000
0.01% ▼ 2.92% below Michigan avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.93%▼ 2.92% below avgNationally 2.81%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
IRA CD 36 Months
$250
0.01% ▼ 2.92% below Michigan avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.93%▼ 2.92% below avgNationally 2.81%
Details

Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 25, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
3-Year Rising Rate Certificate of Deposit
$10,000
5.00% ▲ 2.07% above Michigan avg
View
▼
Rate4.89%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.93%▲ 2.07% above avgNationally 2.81%
Details

Interest compounded monthly; 10-day option to withdraw at end of each one-year term; penalty for early withdrawals applies at other times; no brokered deposits

Rate History
1 change since Sep 8, 2026 · 3.97% → 5.00% ▲ 1.03 pts · high 5.00% / low 3.97%
2.94%4.48%6.03%Sep 8, 2026: 3.97% APYSep 24, 2026: 5.00% APYSep 8, 2026Oct 25, 2026
  • Sep 24, 20265.00%▲ from 3.97%
  • Sep 8, 20263.97%first recorded
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
3-Year Rising Rate Certificate of Deposit
$10,000
4.75% ▲ 1.82% above Michigan avg
View
▼
Rate4.65%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.93%▲ 1.82% above avgNationally 2.81%
Details

Interest compounded monthly; 10-day option to withdraw at end of each one-year term; penalty for early withdrawals applies at other times; no brokered deposits

Rate History
1 change since Sep 8, 2026 · 3.71% → 4.75% ▲ 1.04 pts · high 4.75% / low 3.71%
2.67%4.23%5.79%Sep 8, 2026: 3.71% APYSep 24, 2026: 4.75% APYSep 8, 2026Oct 25, 2026
  • Sep 24, 20264.75%▲ from 3.71%
  • Sep 8, 20263.71%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 36 Month
$2,500
4.60% ▲ 1.67% above Michigan avg
View
▼
Rate4.52%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.93%▲ 1.67% above avgNationally 2.81%
Details

Relationship CD; relationship defined as Direct Deposit Checking; Minimum $2500 to open

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
3.70%4.40%5.10%Sep 14, 2026: 4.20% APYSep 24, 2026: 4.60% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.60%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Certificate of Deposit - 36 Month
$0
4.50% ▲ 1.57% above Michigan avg
View
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.93%▲ 1.57% above avgNationally 2.81%
Details

Rate History
3 changes since Sep 18, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 18, 2026: 4.00% APYSep 24, 2026: 4.30% APYOct 2, 2026: 4.45% APYOct 14, 2026: 4.50% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20264.50%▲ from 4.45%
  • Oct 2, 20264.45%▲ from 4.30%
  • Sep 24, 20264.30%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Time Certificate of Deposit - 36 Month
$0
4.50% ▲ 1.57% above Michigan avg
View
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.93%▲ 1.57% above avgNationally 2.81%
Details

East Lansing Rates

Rate History
1 change since Oct 7, 2026 · 4.45% → 4.50% ▲ 0.05 pts · high 4.50% / low 4.45%
3.95%4.48%5.00%Oct 7, 2026: 4.45% APYOct 14, 2026: 4.50% APYOct 7, 2026Oct 25, 2026
  • Oct 14, 20264.50%▲ from 4.45%
  • Oct 7, 20264.45%first recorded
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
3-Year Rising Rate Certificate of Deposit
$10,000
4.50% ▲ 1.57% above Michigan avg
View
▼
Rate4.41%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.93%▲ 1.57% above avgNationally 2.81%
Details

Interest compounded monthly; 10-day option to withdraw at end of each one-year term; penalty for early withdrawals applies at other times; no brokered deposits

Rate History
1 change since Sep 8, 2026 · 3.45% → 4.50% ▲ 1.05 pts · high 4.50% / low 3.45%
2.40%3.98%5.55%Sep 8, 2026: 3.45% APYSep 24, 2026: 4.50% APYSep 8, 2026Oct 25, 2026
  • Sep 24, 20264.50%▲ from 3.45%
  • Sep 8, 20263.45%first recorded
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Simple CD - 36 Months
$500
4.40% ▲ 1.47% above Michigan avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 1.47% above avgNationally 2.81%
Details

Starting minimum deposit of $500; not eligible for Member Saver Reward

Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 14, 2026: 4.40% APYOct 14, 2026Oct 25, 2026
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Platinum Member Specials - 36 Month
$1,000
4.37% ▲ 1.44% above Michigan avg
View
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 1.44% above avgNationally 2.81%
Details

Platinum Membership rate (0.15% higher than regular); Platinum qualification requires 3 of 4 services: Checking, Debit Card, Online Banking, Direct Deposit; $1,000 minimum deposit to open and earn the stated APY; 365 day penalty for early withdrawal; APYs as of 9/24/2026

Rate History
No change since Oct 19, 2026 · 4.37% APY
3.87%4.37%4.87%Oct 19, 2026: 4.37% APYOct 19, 2026Oct 25, 2026
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Platinum Member Specials IRA - 36 Month
$1,000
4.37% ▲ 1.44% above Michigan avg
View
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 1.44% above avgNationally 2.81%
Details

IRA certificate; Platinum Membership rate (0.15% higher than regular); Platinum qualification requires 3 of 4 services: Checking, Debit Card, Online Banking, Direct Deposit; $1,000 minimum deposit to open and earn the stated APY; 365 day penalty for early withdrawal; APYs as of 9/24/2026

Rate History
No change since Oct 19, 2026 · 4.37% APY
3.87%4.37%4.87%Oct 19, 2026: 4.37% APYOct 19, 2026Oct 25, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
3-Year Certificate or IRA-HSA Jumbo
$0
4.35% ▲ 1.42% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.93%▲ 1.42% above avgNationally 2.81%
Details

Valid thru 10/25/2026

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 18, 2026: 4.00% APYSep 25, 2026: 4.35% APYSep 18, 2026Oct 25, 2026
  • Sep 25, 20264.35%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
Jumbo Share Certificate - 36 months
$100,000
4.32% ▲ 1.39% above Michigan avg
View
▼
Rate4.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.93%▲ 1.39% above avgNationally 2.81%
Details

Minimum deposit of $100,000.00; Certificate specials will not renew at end of term; A penalty may be imposed for early withdrawal

Rate History
1 change since Sep 12, 2026 · 3.96% → 4.32% ▲ 0.36 pts · high 4.32% / low 3.96%
3.46%4.14%4.82%Sep 12, 2026: 3.96% APYOct 4, 2026: 4.32% APYSep 12, 2026Oct 25, 2026
  • Oct 4, 20264.32%▲ from 3.96%
  • Sep 12, 20263.96%first recorded
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
36 Month IRA Certificate
$0
4.30% ▲ 1.37% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.93%▲ 1.37% above avgNationally 2.81%
Details

IRA - Individual accounts only

Rate History
No change since Sep 16, 2026 · 4.30% APY · checked 6 times
3.80%4.30%4.80%Sep 16, 2026: 4.30% APYSep 16, 2026Oct 25, 2026
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
Certificate - 36 Months
$500
4.30% ▲ 1.37% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.93%▲ 1.37% above avgNationally 2.81%
Details

Substantial penalty for early withdrawals

Rate History
No change since Sep 16, 2026 · 4.30% APY · checked 7 times
3.80%4.30%4.80%Sep 16, 2026: 4.30% APYSep 16, 2026Oct 25, 2026
Extra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
Fixed-Rate Certificate - 36 Months
$0
4.27% ▲ 1.34% above Michigan avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 1.34% above avgNationally 2.81%
Details

Dividends paid and compounded quarterly; penalty may be imposed for early withdrawal; 10-day grace period after maturity for auto-renewing accounts

Rate History
1 change since Sep 18, 2026 · 3.80% → 4.27% ▲ 0.47 pts · high 4.27% / low 3.80%
3.30%4.03%4.77%Sep 18, 2026: 3.80% APYOct 19, 2026: 4.27% APYSep 18, 2026Oct 25, 2026
  • Oct 19, 20264.27%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
36 Month CD
$500
4.25% ▲ 1.32% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.93%▲ 1.32% above avgNationally 2.81%
Details

APY compounded quarterly; A penalty may be imposed for early withdrawal

Rate History
1 change since Sep 19, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 19, 2026: 3.85% APYOct 14, 2026: 4.25% APYSep 19, 2026Oct 25, 2026
  • Oct 14, 20264.25%▲ from 3.85%
  • Sep 19, 20263.85%first recorded
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
Share Certificate - 36 Month
$0
4.25% ▲ 1.32% above Michigan avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.93%▲ 1.32% above avgNationally 2.81%
Details

Rates effective October 1, 2026

Rate History
No change since Sep 12, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Sep 12, 2026: 4.25% APYSep 12, 2026Oct 25, 2026
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
36 Month Timed Certificate
$1,000
4.23% ▲ 1.30% above Michigan avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 1.30% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 4.23% APY · checked 2 times
3.73%4.23%4.73%Oct 13, 2026: 4.23% APYOct 13, 2026Oct 25, 2026
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
36 Month Certificate
$1,000
4.22% ▲ 1.29% above Michigan avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 1.29% above avgNationally 2.81%
Details

$1,000 minimum deposit to open and earn the stated APY; APYs as of 9/24/2026

Rate History
2 changes since Sep 18, 2026 · 3.91% → 4.22% ▲ 0.31 pts · high 4.37% / low 3.91%
3.41%4.14%4.87%Sep 18, 2026: 3.91% APYSep 29, 2026: 4.37% APYOct 9, 2026: 4.22% APYSep 18, 2026Oct 25, 2026
  • Oct 9, 20264.22%▼ from 4.37%
  • Sep 29, 20264.37%▲ from 3.91%
  • Sep 18, 20263.91%first recorded

Bay City 48 Month CD Rates

Michigan 48 Month CD Average3.01% APYNational 2.81%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
401 E MIDLAND ST, BAY CITY, MI 48706
48 Month Certificate of Deposit
$0
3.60% ▲ 0.59% above Michigan avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 0.59% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 25, 2026
Lake Huron Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
314 E Midland St, Bay City, MI 48706
48 Month Certificate of Deposit
$0
3.56% ▲ 0.55% above Michigan avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 0.55% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 13, 2026: 3.56% APYOct 13, 2026Oct 25, 2026
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
800 N Euclid Ave, Bay City, MI 48706
48 Month CD-Certificate of Deposit
$0
3.55% ▲ 0.54% above Michigan avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 0.54% above avgNationally 2.81%
Details

Balance: $250,000 and up

Rate History
No change since Sep 22, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 22, 2026: 3.55% APYSep 22, 2026Oct 25, 2026
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
800 N Euclid Ave, Bay City, MI 48706
48 Month CD-Certificate of Deposit
$0
3.50% ▲ 0.49% above Michigan avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 0.49% above avgNationally 2.81%
Details

Balance: $150,000 - $249,000

Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 22, 2026: 3.50% APYSep 22, 2026Oct 25, 2026
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
800 N Euclid Ave, Bay City, MI 48706
48 Month CD-Certificate of Deposit
$0
3.45% ▲ 0.44% above Michigan avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 0.44% above avgNationally 2.81%
Details

Balance: $100,000 - $149,000

Rate History
No change since Sep 22, 2026 · 3.45% APY · checked 7 times
2.95%3.45%3.95%Sep 22, 2026: 3.45% APYSep 22, 2026Oct 25, 2026
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
800 N Euclid Ave, Bay City, MI 48706
48 Month CD-Certificate of Deposit
$0
3.40% ▲ 0.39% above Michigan avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 0.39% above avgNationally 2.81%
Details

Balance: $500 - $99,999

Rate History
No change since Sep 22, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 22, 2026: 3.40% APYSep 22, 2026Oct 25, 2026
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
4129 N Euclid Ave, Bay City, MI 48706
Certificate - 48 Months
$500
3.25% ▲ 0.24% above Michigan avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 0.24% above avgNationally 2.81%
Details

As of 10/1/2026

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
915 S Euclid Ave, Bay City, MI 48706
48 Month Share Certificate
$0
3.25% ▲ 0.24% above Michigan avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 0.24% above avgNationally 2.81%
Details

Compounded/Paid: Quarterly/Quarterly

Rate History
No change since Sep 22, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 22, 2026: 3.25% APYSep 22, 2026Oct 25, 2026
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
915 S Euclid Ave, Bay City, MI 48706
Traditional and Roth IRA Share Certificate - 48 Month
$0
3.25% ▲ 0.24% above Michigan avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 0.24% above avgNationally 2.81%
Details

Compounded/Paid: Quarterly/Quarterly

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
6354 Westside Saginaw Rd, Bay City, MI 48706 9394
48 Month Certificate
$500
3.20% ▲ 0.19% above Michigan avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 0.19% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 9 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
48 Month Regular CD
$1,000
3.15% ▲ 0.14% above Michigan avg
View
▼
Rate3.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 0.14% above avgNationally 2.81%
Details

Balance: $500,000.00 and over; Shared heading: Regular CD / Traditional IRA CD & Roth IRA CD Accounts

Rate History
No change since Oct 13, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Oct 13, 2026: 3.15% APYOct 13, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
48-Month CD
$1,000
3.15% ▲ 0.14% above Michigan avg
View
▼
Rate3.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 0.14% above avgNationally 2.81%
Details

Balance: $500,000.00 and over; Minimum Opening Balance: $1,000.00; CD, Traditional IRA CD & Roth IRA CD Accounts

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 6 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
48 Month Regular CD
$1,000
3.10% ▲ 0.09% above Michigan avg
View
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 0.09% above avgNationally 2.81%
Details

Balance: $250,000.00 - $499,999.99; Regular CD / Traditional IRA CD & Roth IRA CD Accounts

Rate History
1 change since Oct 13, 2026 · 3.15% → 3.10% ▼ 0.05 pts · high 3.15% / low 3.10%
2.60%3.13%3.65%Oct 13, 2026: 3.15% APYOct 19, 2026: 3.10% APYOct 13, 2026Oct 25, 2026
  • Oct 19, 20263.10%▼ from 3.15%
  • Oct 13, 20263.15%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
48-Month CD
$1,000
3.10% ▲ 0.09% above Michigan avg
View
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 0.09% above avgNationally 2.81%
Details

Tier: $250,000.00 - $499,999.99

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 6 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
48 Month Regular CD
$1,000
3.05% ▲ 0.04% above Michigan avg
View
▼
Rate3.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 0.04% above avgNationally 2.81%
Details

Balance: $100,000.00 - $249,999.99; Dividends compounded and credited monthly; Regular CD / Traditional IRA CD & Roth IRA CD Accounts

Rate History
1 change since Oct 13, 2026 · 3.00% → 3.05% ▲ 0.05 pts · high 3.05% / low 3.00%
2.50%3.03%3.55%Oct 13, 2026: 3.00% APYOct 19, 2026: 3.05% APYOct 13, 2026Oct 25, 2026
  • Oct 19, 20263.05%▲ from 3.00%
  • Oct 13, 20263.00%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
48-Month CD
$1,000
3.05% ▲ 0.04% above Michigan avg
View
▼
Rate3.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 0.04% above avgNationally 2.81%
Details

Balance tier $100,000.00 - $249,999.99; minimum balance to earn dividends matches the $1,000 minimum opening balance; CD, Traditional IRA CD & Roth IRA CD Accounts

Rate History
1 change since Sep 14, 2026 · 3.10% → 3.05% ▼ 0.05 pts · high 3.10% / low 3.05%
2.55%3.08%3.60%Sep 14, 2026: 3.10% APYOct 19, 2026: 3.05% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.05%▼ from 3.10%
  • Sep 14, 20263.10%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
48 Month Regular CD
$1,000
3.00% ▼ 0.01% below Michigan avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▼ 0.01% below avgNationally 2.81%
Details

Balance: $30,000.00 - 99,999.99; Regular CD / Traditional IRA CD & Roth IRA CD Accounts

Rate History
No change since Oct 13, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 13, 2026: 3.00% APYOct 13, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
48 Month Roth IRA CD
$1,000
3.00% ▼ 0.01% below Michigan avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▼ 0.01% below avgNationally 2.81%
Details

Balance: $30,000.00 - 99,999.99

Rate History
No change since Oct 19, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 19, 2026: 3.00% APYOct 19, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
48 Month Traditional IRA CD
$1,000
3.00% ▼ 0.01% below Michigan avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▼ 0.01% below avgNationally 2.81%
Details

Balance: $30,000.00 - 99,999.99

Rate History
No change since Oct 19, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 19, 2026: 3.00% APYOct 19, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
48-Month CD
$1,000
3.00% ▼ 0.01% below Michigan avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▼ 0.01% below avgNationally 2.81%
Details

Balance: $30,000.00 - 99,999.99; CD, Traditional IRA CD & Roth IRA CD Accounts

Rate History
1 change since Sep 14, 2026 · 3.10% → 3.00% ▼ 0.10 pts · high 3.10% / low 3.00%
2.50%3.05%3.60%Sep 14, 2026: 3.10% APYOct 19, 2026: 3.00% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.00%▼ from 3.10%
  • Sep 14, 20263.10%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
48 Month Regular CD
$1,000
2.95% ▼ 0.06% below Michigan avg
View
▼
Rate2.91%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▼ 0.06% below avgNationally 2.81%
Details

Balance: $1,000.00 - $29,999.99; Minimum Opening Balance & Balance to Earn Dividends: $1,000.00

Rate History
1 change since Oct 13, 2026 · 3.00% → 2.95% ▼ 0.05 pts · high 3.00% / low 2.95%
2.45%2.98%3.50%Oct 13, 2026: 3.00% APYOct 19, 2026: 2.95% APYOct 13, 2026Oct 25, 2026
  • Oct 19, 20262.95%▼ from 3.00%
  • Oct 13, 20263.00%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
48-Month CD
$1,000
2.95% ▼ 0.06% below Michigan avg
View
▼
Rate2.91%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▼ 0.06% below avgNationally 2.81%
Details

Balance: $1,000.00 - $29,999.99; Also available as Traditional IRA CD and Roth IRA CD; CD, Traditional IRA CD & Roth IRA CD Accounts

Rate History
1 change since Sep 14, 2026 · 3.10% → 2.95% ▼ 0.15 pts · high 3.10% / low 2.95%
2.45%3.03%3.60%Sep 14, 2026: 3.10% APYOct 19, 2026: 2.95% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20262.95%▼ from 3.10%
  • Sep 14, 20263.10%first recorded
FinancialEdge Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1199 S Euclid Ave, Bay City, MI 48706
48 Month Certificates of Deposit
$1,000
2.90% ▼ 0.11% below Michigan avg
View
▼
Rate2.86%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▼ 0.11% below avgNationally 2.81%
Details

Dividend period: Monthly

Rate History
No change since Oct 13, 2026 · 2.90% APY · checked 2 times
2.40%2.90%3.40%Oct 13, 2026: 2.90% APYOct 13, 2026Oct 25, 2026
Sunrise Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
404 S Euclid Ave, Bay City, MI 48706 3206
48 Month Certificate Account
$1,000
1.95% ▼ 1.06% below Michigan avg
View
▼
Rate1.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▼ 1.06% below avgNationally 2.81%
Details

Early withdrawal penalty: 90 days for one (1) year or less; 180 days for one (1) year or more. Current or New Money for Deposit. Non-renewable.

Rate History
No change since Sep 18, 2026 · 1.95% APY · checked 3 times
1.45%1.95%2.45%Sep 18, 2026: 1.95% APYSep 18, 2026Oct 25, 2026
Thumb Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
2985 Wilder Rd, Bay City, MI 48706
4 Year CD
$0
1.76% ▼ 1.25% below Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.01%▼ 1.25% below avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 1.76% APY · checked 2 times
1.26%1.76%2.26%Oct 14, 2026: 1.76% APYOct 14, 2026Oct 25, 2026
Thumb Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
2985 Wilder Rd, Bay City, MI 48706
4 Year IRA
$0
1.76% ▼ 1.25% below Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.01%▼ 1.25% below avgNationally 2.81%
Details

Penalty for early withdrawal may apply; Annual Percentage Yields effective July 1, 2026

Rate History
No change since Oct 8, 2026 · 1.76% APY · checked 4 times
1.26%1.76%2.26%Oct 8, 2026: 1.76% APYOct 8, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
Certificate of Deposit - 48 Months
$1,000
0.03% ▼ 2.98% below Michigan avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.01%▼ 2.98% below avgNationally 2.81%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
IRA CD 48 Months
$250
0.03% ▼ 2.98% below Michigan avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.01%▼ 2.98% below avgNationally 2.81%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
Certificate of Deposit - 48 Months
$1,000
0.02% ▼ 2.99% below Michigan avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.01%▼ 2.99% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
IRA CD 48 Months
$250
0.02% ▼ 2.99% below Michigan avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.01%▼ 2.99% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
Certificate of Deposit - 48 Months
$1,000
0.01% ▼ 3.00% below Michigan avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.01%▼ 3.00% below avgNationally 2.81%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
IRA CD 48 Months
$250
0.01% ▼ 3.00% below Michigan avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.01%▼ 3.00% below avgNationally 2.81%
Details

Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 25, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 48 Month
$2,500
4.70% ▲ 1.69% above Michigan avg
View
▼
Rate4.62%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.01%▲ 1.69% above avgNationally 2.81%
Details

Relationship CD; relationship defined as Direct Deposit Checking; Minimum $2500 to open

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.70% ▲ 0.45 pts · high 4.70% / low 4.25%
3.75%4.48%5.20%Sep 14, 2026: 4.25% APYSep 24, 2026: 4.70% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.70%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Certificate of Deposit - 48 Month
$0
4.50% ▲ 1.49% above Michigan avg
View
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.01%▲ 1.49% above avgNationally 2.81%
Details

Rate History
3 changes since Sep 18, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
3.70%4.35%5.00%Sep 18, 2026: 4.20% APYSep 24, 2026: 4.30% APYOct 2, 2026: 4.45% APYOct 14, 2026: 4.50% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20264.50%▲ from 4.45%
  • Oct 2, 20264.45%▲ from 4.30%
  • Sep 24, 20264.30%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Time Certificate of Deposit - 48 Month
$0
4.50% ▲ 1.49% above Michigan avg
View
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.01%▲ 1.49% above avgNationally 2.81%
Details

East Lansing Rates

Rate History
1 change since Oct 7, 2026 · 4.45% → 4.50% ▲ 0.05 pts · high 4.50% / low 4.45%
3.95%4.48%5.00%Oct 7, 2026: 4.45% APYOct 14, 2026: 4.50% APYOct 7, 2026Oct 25, 2026
  • Oct 14, 20264.50%▲ from 4.45%
  • Oct 7, 20264.45%first recorded
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
Share Certificate - 48 Month
$0
4.50% ▲ 1.49% above Michigan avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.01%▲ 1.49% above avgNationally 2.81%
Details

Rates effective October 1, 2026

Rate History
No change since Sep 12, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Sep 12, 2026: 4.50% APYSep 12, 2026Oct 25, 2026
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Platinum Member Specials - 48 Month
$1,000
4.42% ▲ 1.41% above Michigan avg
View
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 1.41% above avgNationally 2.81%
Details

Platinum Membership rate (0.15% higher than regular); Platinum qualification requires 3 of 4 services: Checking, Debit Card, Online Banking, Direct Deposit; $1,000 minimum deposit to open and earn the stated APY; 365 day penalty for early withdrawal; APYs as of 9/24/2026

Rate History
No change since Oct 19, 2026 · 4.42% APY
3.92%4.42%4.92%Oct 19, 2026: 4.42% APYOct 19, 2026Oct 25, 2026
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Platinum Member Specials IRA - 48 Month
$1,000
4.42% ▲ 1.41% above Michigan avg
View
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 1.41% above avgNationally 2.81%
Details

IRA certificate; Platinum Membership rate (0.15% higher than regular); Platinum qualification requires 3 of 4 services: Checking, Debit Card, Online Banking, Direct Deposit; $1,000 minimum deposit to open and earn the stated APY; 365 day penalty for early withdrawal; APYs as of 9/24/2026

Rate History
No change since Oct 19, 2026 · 4.42% APY
3.92%4.42%4.92%Oct 19, 2026: 4.42% APYOct 19, 2026Oct 25, 2026
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Simple CD - 48 Months
$500
4.40% ▲ 1.39% above Michigan avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 1.39% above avgNationally 2.81%
Details

Starting minimum deposit of $500; not eligible for Member Saver Reward

Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 14, 2026: 4.40% APYOct 14, 2026Oct 25, 2026
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
Jumbo Share Certificate - 48 months
$100,000
4.37% ▲ 1.36% above Michigan avg
View
▼
Rate4.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.01%▲ 1.36% above avgNationally 2.81%
Details

Minimum deposit of $100,000.00; Certificate specials will not renew at end of term; A penalty may be imposed for early withdrawal

Rate History
1 change since Sep 12, 2026 · 4.06% → 4.37% ▲ 0.31 pts · high 4.37% / low 4.06%
3.56%4.22%4.87%Sep 12, 2026: 4.06% APYOct 4, 2026: 4.37% APYSep 12, 2026Oct 25, 2026
  • Oct 4, 20264.37%▲ from 4.06%
  • Sep 12, 20264.06%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
4-Year Certificate or IRA-HSA Jumbo
$0
4.35% ▲ 1.34% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.01%▲ 1.34% above avgNationally 2.81%
Details

Valid thru 10/25/2026

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 18, 2026: 4.00% APYSep 25, 2026: 4.35% APYSep 18, 2026Oct 25, 2026
  • Sep 25, 20264.35%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
48 Month CD
$500
4.30% ▲ 1.29% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.01%▲ 1.29% above avgNationally 2.81%
Details

APY compounded quarterly; A penalty may be imposed for early withdrawal

Rate History
1 change since Sep 19, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
3.40%4.10%4.80%Sep 19, 2026: 3.90% APYOct 14, 2026: 4.30% APYSep 19, 2026Oct 25, 2026
  • Oct 14, 20264.30%▲ from 3.90%
  • Sep 19, 20263.90%first recorded
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
48 Month Timed Certificate
$1,000
4.28% ▲ 1.27% above Michigan avg
View
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 1.27% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 4.28% APY · checked 2 times
3.78%4.28%4.78%Oct 13, 2026: 4.28% APYOct 13, 2026Oct 25, 2026
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
48 Month Certificate
$1,000
4.27% ▲ 1.26% above Michigan avg
View
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 1.26% above avgNationally 2.81%
Details

$1,000 minimum deposit to open and earn the stated APY; APYs as of 9/24/2026

Rate History
2 changes since Sep 18, 2026 · 4.01% → 4.27% ▲ 0.26 pts · high 4.42% / low 4.01%
3.51%4.22%4.92%Sep 18, 2026: 4.01% APYSep 29, 2026: 4.42% APYOct 9, 2026: 4.27% APYSep 18, 2026Oct 25, 2026
  • Oct 9, 20264.27%▼ from 4.42%
  • Sep 29, 20264.42%▲ from 4.01%
  • Sep 18, 20264.01%first recorded
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
48 Month IRA Certificate
$1,000
4.27% ▲ 1.26% above Michigan avg
View
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 1.26% above avgNationally 2.81%
Details

$1,000 minimum deposit to open and earn the stated APY; APYs as of 9/24/2026

Rate History
2 changes since Sep 18, 2026 · 4.01% → 4.27% ▲ 0.26 pts · high 4.42% / low 4.01%
3.51%4.22%4.92%Sep 18, 2026: 4.01% APYSep 29, 2026: 4.42% APYOct 19, 2026: 4.27% APYSep 18, 2026Oct 25, 2026
  • Oct 19, 20264.27%▼ from 4.42%
  • Sep 29, 20264.42%▲ from 4.01%
  • Sep 18, 20264.01%first recorded
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
48 MONTH CD
$50,000
4.25% ▲ 1.24% above Michigan avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 1.24% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
3.45%4.10%4.75%Sep 14, 2026: 3.95% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.25%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
CD - 48 Month
$2,500
4.20% ▲ 1.19% above Michigan avg
View
▼
Rate4.14%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.01%▲ 1.19% above avgNationally 2.81%
Details

Minimum $2500 to open

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 14, 2026: 3.75% APYSep 24, 2026: 4.20% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.20%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
4-Year Certificate or IRA-HSA
$0
4.20% ▲ 1.19% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.01%▲ 1.19% above avgNationally 2.81%
Details

Valid thru 10/25/2026

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 18, 2026: 3.85% APYSep 25, 2026: 4.20% APYSep 18, 2026Oct 25, 2026
  • Sep 25, 20264.20%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
48 Month IRA Certificate
$0
4.15% ▲ 1.14% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.01%▲ 1.14% above avgNationally 2.81%
Details

IRA - Individual accounts only

Rate History
No change since Sep 16, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 16, 2026: 4.15% APYSep 16, 2026Oct 25, 2026
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
Certificate - 48 Months
$500
4.15% ▲ 1.14% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.01%▲ 1.14% above avgNationally 2.81%
Details

Substantial penalty for early withdrawals

Rate History
No change since Sep 16, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Sep 16, 2026: 4.15% APYSep 16, 2026Oct 25, 2026

Bay City 60 Month CD Rates

Michigan 60 Month CD Average3.04% APYNational 2.92%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
2936 Wilder Rd, Bay City, MI 48706
60 Month Business Jumbo Certificates
$0
4.07% ▲ 1.03% above Michigan avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.03% above avgNationally 2.92%
Details

Effective Date: 10/18/2026; Dividends compounded & credited monthly; Penalty for early withdrawal

Rate History
No change since Oct 19, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 19, 2026: 4.07% APYOct 19, 2026Oct 25, 2026
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
2936 Wilder Rd, Bay City, MI 48706
60 Month HSA Jumbo Certificates
$0
4.07% ▲ 1.03% above Michigan avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.03% above avgNationally 2.92%
Details

Effective Date: 10/18/2026; Dividends compounded & credited monthly; Penalty for early withdrawal; Jumbo HSA Certificates

Rate History
No change since Oct 19, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 19, 2026: 4.07% APYOct 19, 2026Oct 25, 2026
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
2936 Wilder Rd, Bay City, MI 48706
60 Month Jumbo Certificates
$0
4.07% ▲ 1.03% above Michigan avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.03% above avgNationally 2.92%
Details

Effective 10/18/2026; $100,000 minimum balance; dividends compounded & credited monthly; penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 8 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 25, 2026
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
2936 Wilder Rd, Bay City, MI 48706
Jumbo Certificates - 60 months
$0
4.07% ▲ 1.03% above Michigan avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.03% above avgNationally 2.92%
Details

Effective Date: 10/18/2026; Dividends compounded & credited monthly; Penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 25, 2026
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
800 N Euclid Ave, Bay City, MI 48706
60 Month CD-Certificate of Deposit
$0
3.70% ▲ 0.66% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.66% above avgNationally 2.92%
Details

Balance: $250,000 and up

Rate History
No change since Sep 22, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 22, 2026: 3.70% APYSep 22, 2026Oct 25, 2026
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
800 N Euclid Ave, Bay City, MI 48706
60 Month CD-Certificate of Deposit
$0
3.65% ▲ 0.61% above Michigan avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.61% above avgNationally 2.92%
Details

Balance: $150,000 - $249,000

Rate History
No change since Sep 22, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 22, 2026: 3.65% APYSep 22, 2026Oct 25, 2026
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
800 N Euclid Ave, Bay City, MI 48706
60 Month CD-Certificate of Deposit
$0
3.60% ▲ 0.56% above Michigan avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.56% above avgNationally 2.92%
Details

Balance: $100,000 - $149,000

Rate History
No change since Sep 22, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 22, 2026: 3.60% APYSep 22, 2026Oct 25, 2026
Lake Huron Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
314 E Midland St, Bay City, MI 48706
60 Month Certificate of Deposit
$0
3.56% ▲ 0.52% above Michigan avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.52% above avgNationally 2.92%
Details

Rate History
No change since Oct 13, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 13, 2026: 3.56% APYOct 13, 2026Oct 25, 2026
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
2936 Wilder Rd, Bay City, MI 48706
60 Month Business Certificates
$500
3.55% ▲ 0.51% above Michigan avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.51% above avgNationally 2.92%
Details

Effective Date: 10/18/2026; Dividends compounded & credited monthly; penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 25, 2026
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
2936 Wilder Rd, Bay City, MI 48706
60 Month Certificates
$500
3.55% ▲ 0.51% above Michigan avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.51% above avgNationally 2.92%
Details

Effective Date: 10/18/2026; Penalty for early withdrawal; Dividends compounded & credited monthly

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 25, 2026
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
2936 Wilder Rd, Bay City, MI 48706
60 Month HSA Certificates
$500
3.55% ▲ 0.51% above Michigan avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.51% above avgNationally 2.92%
Details

Dividends compounded & credited monthly; penalty for early withdrawal; HSA Certificates

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 25, 2026
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
800 N Euclid Ave, Bay City, MI 48706
60 Month CD-Certificate of Deposit
$0
3.55% ▲ 0.51% above Michigan avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.51% above avgNationally 2.92%
Details

Balance: $500 - $99,999

Rate History
No change since Sep 22, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 22, 2026: 3.55% APYSep 22, 2026Oct 25, 2026
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
401 E MIDLAND ST, BAY CITY, MI 48706
60 Month Certificate of Deposit
$0
3.50% ▲ 0.46% above Michigan avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.46% above avgNationally 2.92%
Details

Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 25, 2026
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
4129 N Euclid Ave, Bay City, MI 48706
Certificate - 60 Months
$500
3.50% ▲ 0.46% above Michigan avg
View
▼
Rate3.46%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.46% above avgNationally 2.92%
Details

As of 10/1/2026

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40%
2.90%3.45%4.00%Sep 14, 2026: 3.40% APYOct 10, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20263.50%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
60 Month Regular CD
$1,000
3.45% ▲ 0.41% above Michigan avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.41% above avgNationally 2.92%
Details

Balance: $500,000.00 and over; Shared heading: Regular CD / Traditional IRA CD & Roth IRA CD Accounts

Rate History
No change since Oct 13, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 13, 2026: 3.45% APYOct 13, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
60-Month CD
$1,000
3.45% ▲ 0.41% above Michigan avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.41% above avgNationally 2.92%
Details

Balance: $500,000.00 and over; Minimum Opening Balance: $1,000.00; CD, Traditional IRA CD & Roth IRA CD Accounts

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
60 Month Regular CD
$1,000
3.35% ▲ 0.31% above Michigan avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.31% above avgNationally 2.92%
Details

Balance: $250,000.00 - $499,999.99; Regular CD / Traditional IRA CD & Roth IRA CD Accounts

Rate History
1 change since Oct 13, 2026 · 3.45% → 3.35% ▼ 0.10 pts · high 3.45% / low 3.35%
2.85%3.40%3.95%Oct 13, 2026: 3.45% APYOct 19, 2026: 3.35% APYOct 13, 2026Oct 25, 2026
  • Oct 19, 20263.35%▼ from 3.45%
  • Oct 13, 20263.45%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
60-Month CD
$1,000
3.35% ▲ 0.31% above Michigan avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.31% above avgNationally 2.92%
Details

Tier: $250,000.00 - $499,999.99

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
60 Month Regular CD
$1,000
3.25% ▲ 0.21% above Michigan avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.21% above avgNationally 2.92%
Details

Balance: $100,000.00 - $249,999.99; Dividends compounded and credited monthly; Regular CD / Traditional IRA CD & Roth IRA CD Accounts

Rate History
1 change since Oct 13, 2026 · 3.20% → 3.25% ▲ 0.05 pts · high 3.25% / low 3.20%
2.70%3.23%3.75%Oct 13, 2026: 3.20% APYOct 19, 2026: 3.25% APYOct 13, 2026Oct 25, 2026
  • Oct 19, 20263.25%▲ from 3.20%
  • Oct 13, 20263.20%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
60-Month CD
$1,000
3.25% ▲ 0.21% above Michigan avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.21% above avgNationally 2.92%
Details

Balance tier $100,000.00 - $249,999.99; minimum balance to earn dividends matches the $1,000 minimum opening balance; CD, Traditional IRA CD & Roth IRA CD Accounts

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.25% ▼ 0.10 pts · high 3.35% / low 3.25%
2.75%3.30%3.85%Sep 14, 2026: 3.35% APYOct 19, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.25%▼ from 3.35%
  • Sep 14, 20263.35%first recorded
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
915 S Euclid Ave, Bay City, MI 48706
60 Month Share Certificate
$0
3.25% ▲ 0.21% above Michigan avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.21% above avgNationally 2.92%
Details

Compounded/Paid: Quarterly/Quarterly

Rate History
No change since Sep 22, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 22, 2026: 3.25% APYSep 22, 2026Oct 25, 2026
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
915 S Euclid Ave, Bay City, MI 48706
Traditional and Roth IRA Share Certificate - 60 Month
$0
3.25% ▲ 0.21% above Michigan avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.21% above avgNationally 2.92%
Details

Compounded/Paid: Quarterly/Quarterly

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
6354 Westside Saginaw Rd, Bay City, MI 48706 9394
60 Month Certificate
$500
3.20% ▲ 0.16% above Michigan avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.16% above avgNationally 2.92%
Details

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 9 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
60 Month Regular CD
$1,000
3.20% ▲ 0.16% above Michigan avg
View
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.16% above avgNationally 2.92%
Details

Balance: $30,000.00 - 99,999.99; Regular CD / Traditional IRA CD & Roth IRA CD Accounts

Rate History
No change since Oct 13, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 13, 2026: 3.20% APYOct 13, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
60 Month Roth IRA CD
$1,000
3.20% ▲ 0.16% above Michigan avg
View
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.16% above avgNationally 2.92%
Details

Balance: $30,000.00 - 99,999.99

Rate History
No change since Oct 19, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 19, 2026: 3.20% APYOct 19, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
60 Month Traditional IRA CD
$1,000
3.20% ▲ 0.16% above Michigan avg
View
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.16% above avgNationally 2.92%
Details

Balance: $30,000.00 - 99,999.99

Rate History
No change since Oct 19, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 19, 2026: 3.20% APYOct 19, 2026Oct 25, 2026
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
60-Month CD
$1,000
3.20% ▲ 0.16% above Michigan avg
View
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.16% above avgNationally 2.92%
Details

Balance: $30,000.00 - 99,999.99; CD, Traditional IRA CD & Roth IRA CD Accounts

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.20% ▼ 0.15 pts · high 3.35% / low 3.20%
2.70%3.28%3.85%Sep 14, 2026: 3.35% APYOct 19, 2026: 3.20% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.20%▼ from 3.35%
  • Sep 14, 20263.35%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
60 Month Regular CD
$1,000
3.15% ▲ 0.11% above Michigan avg
View
▼
Rate3.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.11% above avgNationally 2.92%
Details

Balance: $1,000.00 - $29,999.99; Minimum Opening Balance & Balance to Earn Dividends: $1,000.00

Rate History
1 change since Oct 13, 2026 · 3.20% → 3.15% ▼ 0.05 pts · high 3.20% / low 3.15%
2.65%3.18%3.70%Oct 13, 2026: 3.20% APYOct 19, 2026: 3.15% APYOct 13, 2026Oct 25, 2026
  • Oct 19, 20263.15%▼ from 3.20%
  • Oct 13, 20263.20%first recorded
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1479 Straits Dr, Bay City, MI 48706
60-Month CD
$1,000
3.15% ▲ 0.11% above Michigan avg
View
▼
Rate3.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.11% above avgNationally 2.92%
Details

Balance: $1,000.00 - $29,999.99; Also available as Traditional IRA CD and Roth IRA CD; CD, Traditional IRA CD & Roth IRA CD Accounts

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.15% ▼ 0.20 pts · high 3.35% / low 3.15%
2.65%3.25%3.85%Sep 14, 2026: 3.35% APYOct 19, 2026: 3.15% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.15%▼ from 3.35%
  • Sep 14, 20263.35%first recorded
FinancialEdge Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
1199 S Euclid Ave, Bay City, MI 48706
60 Month Certificates of Deposit
$1,000
3.00% ▼ 0.04% below Michigan avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▼ 0.04% below avgNationally 2.92%
Details

Dividend period: Monthly

Rate History
No change since Oct 13, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 13, 2026: 3.00% APYOct 13, 2026Oct 25, 2026
Thumb Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
2985 Wilder Rd, Bay City, MI 48706
5 Year CD
$0
2.02% ▼ 1.02% below Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▼ 1.02% below avgNationally 2.92%
Details

Rate History
No change since Oct 14, 2026 · 2.02% APY · checked 2 times
1.52%2.02%2.52%Oct 14, 2026: 2.02% APYOct 14, 2026Oct 25, 2026
Thumb Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
2985 Wilder Rd, Bay City, MI 48706
5 Year IRA
$0
2.02% ▼ 1.02% below Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▼ 1.02% below avgNationally 2.92%
Details

Penalty for early withdrawal may apply; Annual Percentage Yields effective July 1, 2026

Rate History
No change since Oct 8, 2026 · 2.02% APY · checked 4 times
1.52%2.02%2.52%Oct 8, 2026: 2.02% APYOct 8, 2026Oct 25, 2026
Sunrise Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
404 S Euclid Ave, Bay City, MI 48706 3206
60 Month Certificate Account
$1,000
2.00% ▼ 1.04% below Michigan avg
View
▼
Rate1.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▼ 1.04% below avgNationally 2.92%
Details

Early withdrawal penalty: 90 days for one (1) year or less; 180 days for one (1) year or more. Current or New Money for Deposit. Non-renewable.

Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Sep 18, 2026: 2.00% APYSep 18, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
Certificate of Deposit - 60 Months
$1,000
0.03% ▼ 3.01% below Michigan avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▼ 3.01% below avgNationally 2.92%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
IRA CD 60 Months
$250
0.03% ▼ 3.01% below Michigan avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▼ 3.01% below avgNationally 2.92%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
Certificate of Deposit - 60 Months
$1,000
0.02% ▼ 3.02% below Michigan avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▼ 3.02% below avgNationally 2.92%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
IRA CD 60 Months
$250
0.02% ▼ 3.02% below Michigan avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▼ 3.02% below avgNationally 2.92%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
Certificate of Deposit - 60 Months
$1,000
0.01% ▼ 3.03% below Michigan avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▼ 3.03% below avgNationally 2.92%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1111 N Euclid Ave, Bay City, MI 48706
IRA CD 60 Months
$250
0.01% ▼ 3.03% below Michigan avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▼ 3.03% below avgNationally 2.92%
Details

Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 25, 2026
Michigan One Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
60 Month Minor CD Special
$100
5.12% ▲ 2.08% above Michigan avg
View
▼
Rate5.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 2.08% above avgNationally 2.92%
Details

Minor CD Special, for minors; $100 minimum, $5,000 maximum

Rate History
No change since Sep 18, 2026 · 5.12% APY · checked 3 times
4.62%5.12%5.62%Sep 18, 2026: 5.12% APYSep 18, 2026Oct 25, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 60 Month
$2,500
4.75% ▲ 1.71% above Michigan avg
View
▼
Rate4.67%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▲ 1.71% above avgNationally 2.92%
Details

Relationship CD; relationship defined as Direct Deposit Checking; Minimum $2500 to open

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
3.85%4.55%5.25%Sep 14, 2026: 4.35% APYSep 24, 2026: 4.75% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.75%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Certificate of Deposit - 60 Month
$0
4.60% ▲ 1.56% above Michigan avg
View
▼
Rate4.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▲ 1.56% above avgNationally 2.92%
Details

Rate History
3 changes since Sep 18, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
3.70%4.40%5.10%Sep 18, 2026: 4.20% APYSep 24, 2026: 4.30% APYOct 2, 2026: 4.50% APYOct 14, 2026: 4.60% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20264.60%▲ from 4.50%
  • Oct 2, 20264.50%▲ from 4.30%
  • Sep 24, 20264.30%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Time Certificate of Deposit - 60 Month
$0
4.60% ▲ 1.56% above Michigan avg
View
▼
Rate4.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▲ 1.56% above avgNationally 2.92%
Details

East Lansing Rates

Rate History
1 change since Oct 7, 2026 · 4.50% → 4.60% ▲ 0.10 pts · high 4.60% / low 4.50%
4.00%4.55%5.10%Oct 7, 2026: 4.50% APYOct 14, 2026: 4.60% APYOct 7, 2026Oct 25, 2026
  • Oct 14, 20264.60%▲ from 4.50%
  • Oct 7, 20264.50%first recorded
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
Share Certificate - 60 Month
$0
4.50% ▲ 1.46% above Michigan avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.04%▲ 1.46% above avgNationally 2.92%
Details

Rates effective October 1, 2026

Rate History
No change since Sep 12, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Sep 12, 2026: 4.50% APYSep 12, 2026Oct 25, 2026
Advia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
3 - 60 Month Regular CD
$500
4.50% ▲ 1.46% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▲ 1.46% above avgNationally 2.92%
Details

Standard rates as high as 4.50% APY; flexible 3 to 60-month terms; federally insured by NCUA up to $250,000 per depositor

Rate History
No change since Oct 22, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 22, 2026: 4.50% APYOct 22, 2026Oct 25, 2026
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
3-60 Month Simple CDs
$500
4.50% ▲ 1.46% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.46% above avgNationally 2.92%
Details

As high as; Starting minimum deposit is $500; APY assumes interest payouts remain in certificate until maturity; Rate effective 10/01/2026; early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 14, 2026: 4.50% APYOct 14, 2026Oct 25, 2026
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Platinum Member Specials - 60 Month
$1,000
4.47% ▲ 1.43% above Michigan avg
View
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.43% above avgNationally 2.92%
Details

Platinum Membership rate (0.15% higher than regular); Platinum qualification requires 3 of 4 services: Checking, Debit Card, Online Banking, Direct Deposit; $1,000 minimum deposit to open and earn the stated APY; 365 day penalty for early withdrawal; APYs as of 9/24/2026

Rate History
No change since Oct 19, 2026 · 4.47% APY
3.97%4.47%4.97%Oct 19, 2026: 4.47% APYOct 19, 2026Oct 25, 2026
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Platinum Member Specials IRA - 60 Month
$1,000
4.47% ▲ 1.43% above Michigan avg
View
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.43% above avgNationally 2.92%
Details

IRA certificate; Platinum Membership rate (0.15% higher than regular); Platinum qualification requires 3 of 4 services: Checking, Debit Card, Online Banking, Direct Deposit; $1,000 minimum deposit to open and earn the stated APY; 365 day penalty for early withdrawal; APYs as of 9/24/2026

Rate History
No change since Oct 19, 2026 · 4.47% APY
3.97%4.47%4.97%Oct 19, 2026: 4.47% APYOct 19, 2026Oct 25, 2026
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
Jumbo Share Certificate - 60 month
$100,000
4.42% ▲ 1.38% above Michigan avg
View
▼
Rate4.35%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.04%▲ 1.38% above avgNationally 2.92%
Details

Minimum deposit of $100,000.00; Certificate specials will not renew at end of term; A penalty may be imposed for early withdrawal

Rate History
1 change since Sep 12, 2026 · 4.11% → 4.42% ▲ 0.31 pts · high 4.42% / low 4.11%
3.61%4.27%4.92%Sep 12, 2026: 4.11% APYOct 4, 2026: 4.42% APYSep 12, 2026Oct 25, 2026
  • Oct 4, 20264.42%▲ from 4.11%
  • Sep 12, 20264.11%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
5-Year Certificate or IRA-HSA Jumbo
$0
4.40% ▲ 1.36% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.04%▲ 1.36% above avgNationally 2.92%
Details

Valid thru 10/25/2026

Rate History
1 change since Sep 18, 2026 · 4.05% → 4.40% ▲ 0.35 pts · high 4.40% / low 4.05%
3.55%4.23%4.90%Sep 18, 2026: 4.05% APYSep 25, 2026: 4.40% APYSep 18, 2026Oct 25, 2026
  • Sep 25, 20264.40%▲ from 4.05%
  • Sep 18, 20264.05%first recorded
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.

Top CD Rates from Bay City, Michigan Institutions

Highest verified APYs available today, updated October 23, 2026

B Top 5 Bank Rates
Independent Bank
3-Month CD Special
A 5.0 ★ TX: 6.46%
Min: $0
3.76%
Thumb Bank and Trust
1 Year CD
A+ 5.0 ★ TX: 0.17%
Min: $0
2.02%
PNC Bank
Certificate of Deposit - 12 Months
A+ 5.0 ★ TX: 4.24%
Min: $1,000
0.03%
First National Bank of Michigan
3-Year Rising Rate Certificate of Deposit
A 5.0 ★ TX: 7.32%
Min: $10,000
5.00%
Nicolet Bank
Relationship CD - 60 Month
A+ 5.0 ★ TX: 2.28%
Min: $2,500
4.75%
CU Top 5 Credit Union Rates
United Financial Credit Union
6 month - 4H or FFA CD
A+ 5.0 ★ TX: 5.54%
Min: $0
5.05%
Lake Huron Credit Union
24 Month Certificate of Deposit
A 5.0 ★ TX: 6.25%
Min: $0
4.50%
Wildfire Credit Union
60 Month Business Jumbo Certificates
A+ 5.0 ★ TX: 3.16%
Min: $0
4.07%
Financial Plus Credit Union Flint, MI
12 Month Youth CD
A+ 5.0 ★ TX: 2.74%
Min: $0
3.95%
Frankenmuth Credit Union
60 Month CD-Certificate of Deposit
A 5.0 ★ TX: 8.18%
Min: $0
3.70%
Rates verified October 23, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Bay City, MI CD Rate Trends

Compare local Bay City, MI CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Michigan CD Trends
12-Month CD MI Avg
3.110%
▼ 0.026 vs 7 days ago

Michigan 12-month CD rates fell 0.026 points over the past 7 days to 3.110% APY.

6-Month CD MI Avg
2.874%
▼ 0.039 vs 7 days ago

Michigan 6-month CD rates fell 0.039 points over the past 7 days to 2.874% APY.

As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions

MI CD Rate Forecast, Next 12 Months

Where are Michigan CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

MI 12-Month Avg APY
3.110%
6-Month Forecast
3.110%
Range: 2.91%, 3.26%
12-Month Forecast
3.360%
Range: 3.16%, 3.51%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Michigan average 12-month CD APY in our database.

Spread model: The Michigan 12-month CD average currently trades 1.27% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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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 2.141% $107.04 $214.08 $535.20 $1,070.40
6-Month CD 2.874% $143.71 $287.42 $718.55 $1,437.10
12-Month CD 3.110% $155.50 $311.00 $777.50 $1,555.00
18-Month CD 3.043% $152.13 $304.26 $760.65 $1,521.30
24-Month CD 2.963% $148.17 $296.33 $740.83 $1,481.65
36-Month CD 2.933% $146.65 $293.29 $733.23 $1,466.45
48-Month CD 3.006% $150.30 $300.60 $751.50 $1,503.00
60-Month CD 3.045% $152.24 $304.48 $761.20 $1,522.40
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026.
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Sample CD Ladder for Bay City, 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.

Build Your Ladder
Rung Term Deposit MI Avg APY Annual Earnings
1 3-Month CD $5,000 2.141% $107.04
2 6-Month CD $5,000 2.874% $143.71
3 12-Month CD $5,000 3.110% $155.50
4 24-Month CD $5,000 2.963% $148.17
5 36-Month CD $5,000 2.933% $146.65
Total ($25,000 invested) $25,000 2.804% blended $701.07/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.

Powered byMonitorBankRates
2,024
CD Rates
Tracked in Bay City, Michigan
26 Banks 83 Credit Unions

About Our Bay City, Michigan CD Rate Database

MonitorBankRates tracks 2,024 CD rates from 26 banks and 83 credit unions with locations in Bay City, Michigan, plus national online institutions available to Michigan residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: United Financial Credit Union offers a CD at 5.05% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Bay City, Michigan.

How to Find the Best CD Rates in Bay City, Michigan

What to compare when shopping for a CD in Bay City, Michigan

To find the best APYs in Bay City, Michigan, start with credit unions and online-only banks: Bay City, Michigan has 83 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 Bay City, 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 Bay City, Michigan: 109 institutions here report CD rates

Consider an Alternative If…

Michigan Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)

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
$134/yr
At MI 12-mo avg 3.110% 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 3.110%, saving 10% of the local median salary ($4,293/year) and putting it in a CD would earn an additional $134 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 Bay City, Michigan

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in Bay City, 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 Bay City, 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 Bay City, Michigan as everywhere in the U.S.

Choosing a CD Term in Bay City, 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 Bay City, 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, Wildfire Credit Union is offering its 60 Month Business Jumbo Certificates at 4.07% 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 Bay City, 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 Bay City, 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 Bay City, 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 Bay City, 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 Bay City, Michigan

Most CDs carry a fixed rate that is locked for the entire term, protecting a Bay City, 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 Bay City, Michigan

Are CD rates in Bay City, Michigan FDIC insured?

Yes, most established banks in Bay City, 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 Bay City, 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 Bay City, 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 Bay City, 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 Bay City, Michigan?

Here are recent top rates found for this area:
  • United Financial Credit Union: 5.05% APY (6 month - 4H or FFA CD)
  • Lake Huron Credit Union: 4.50% APY (24 Month Certificate of Deposit)
  • Wildfire Credit Union: 4.07% APY (60 Month Business Jumbo Certificates)
  • Financial Plus Credit Union Flint, MI: 3.95% APY (12 Month Youth CD)
  • Independent Bank: 3.76% APY (3-Month CD Special)
  • Frankenmuth Credit Union: 3.70% APY (60 Month CD-Certificate of Deposit)
  • Team One Credit Union: 3.60% APY (12 Month CD)
  • Jolt Credit Union: 3.50% APY (12 Month Share Certificate)
  • ELGA Credit Union: 3.45% APY (60 Month Regular CD)
  • FinancialEdge Community Credit Union: 3.00% APY (60 Month Certificates of Deposit)
Rates reflect recent verified offers available in Bay City, Michigan. Last Updated: October 23, 2026

Bay City, Michigan CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Bay City, Michigan rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Bay City, Michigan CD Rates by Term

Verified October 23, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Bay City, Michigan. Averages shown use the Michigan state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Bay City, Michigan

Bay City, Michigan CD Calculator

At today’s MI top rate of 5.05% APY, a $10,000 deposit earns $505 in the first year. Enter your amount to see your exact return.

Bay City, Michigan CD Ladder

MI CD rates currently range from 2.141% (3-month) to 2.933% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Bay City, Michigan CD at 5.05% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Michigan’s average 12-month CD is 3.110% 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 Bay City, 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 Bay City, 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 Bay City, Michigan. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in MI.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 23, 2026

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