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CD Rate Trends

Croswell, Michigan Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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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| iEditorial Disclosure
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 31, 2026

Croswell, Michigan CD rates range from 0.25% to 5.25% APY, verified by MonitorBankRates as of October 31, 2026. Current Croswell, Michigan CD rates include Security Credit UnionSecurity Credit Union5200 Peck Rd, Croswell, MI 48422 1462A+5.0 ★Texas Ratio: 5.96%Real return: -0.05%APY minus CPIRate verified Oct 29, 2026 offering IRA Share Certificates of Deposit - 5 year at 3.65% APY, Eastern Michigan BankEastern Michigan Bank65 N Howard Ave, Croswell, MI 48422A+5.0 ★Texas Ratio: 1.25%Real return: -1.68%APY minus CPIRate verified Oct 27, 2026 offering 60-month CD/IRA at 2.02% APY, FreeStar Financial Credit UnionFreeStar Financial Credit UnionA5.0 ★Texas Ratio: 7.11%Real return: +1.55%APY minus CPIRate verified Oct 29, 2026 offering 18-Month Special - Military at 5.25% APY, Diversified Members Credit UnionDiversified Members Credit UnionA+5.0 ★Texas Ratio: 5.06%Real return: +1.45%APY minus CPIRate verified Oct 29, 2026 offering 12 Month Legacy CD at 5.15% APY, and Michigan One Community Credit UnionMichigan One Community Credit UnionA+5.0 ★Texas Ratio: 4.80%Real return: +1.42%APY minus CPIRate verified Oct 29, 2026 offering 60 Month Minor CD Special at 5.12% APY. CD rates as of October 31, 2026 according to verified data from MonitorBankRates.

Croswell has 28 local institutions in our database, with CD rates as high as 3.65% APY from Security Credit Union at 5200 Peck Rd, Croswell, MI 48422 1462. 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 31, 2026

Compare Best CD Rates in Croswell, Michigan & the Surrounding Area

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Croswell 3 Month CD Rates

Michigan 3 Month CD Average2.21% APYNational 2.13%▲ 0.07% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
DOW Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Simple CD - 3 Months
$500
4.35% ▲ 2.14% above Michigan avg
View
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average2.21%▲ 2.14% 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 4 times
3.85%4.35%4.85%Oct 14, 2026: 4.35% APYOct 14, 2026Oct 31, 2026
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
IRA Jumbo CD 3 Months
$3,000,000
4.32% ▲ 2.11% above Michigan avg
View
▼
Rate4.25%
Min Deposit$3,000,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.21%▲ 2.11% above avgNationally 2.13%
Details

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

Rate History
No change since Oct 19, 2026 · 4.32% APY · checked 3 times
3.82%4.32%4.82%Oct 19, 2026: 4.32% APYOct 19, 2026Oct 31, 2026
First State Bank (MI)
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
Jumbo CD - 90 Days
$0
4.10% ▲ 1.89% above Michigan avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.21%▲ 1.89% above avgNationally 2.13%
Details

Rates current as of October 20, 2026

Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 31, 2026
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
3-Month HYRC Certificate
$0
4.10% ▲ 1.89% above Michigan avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average2.21%▲ 1.89% above avgNationally 2.13%
Details

High-Yield Rewards Checking Account required

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 31, 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% ▲ 1.85% above Michigan avg
View
▼
Rate4.00%
Min Deposit$500,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.21%▲ 1.85% above avgNationally 2.13%
Details

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

Rate History
No change since Oct 19, 2026 · 4.06% APY · checked 3 times
3.56%4.06%4.56%Oct 19, 2026: 4.06% APYOct 19, 2026Oct 31, 2026
University of Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
3 Month Certificate
$500
4.06% ▲ 1.85% above Michigan avg
View
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.21%▲ 1.85% above avgNationally 2.13%
Details

Deposit Tier: Certificate $500 minimum deposit

Rate History
No change since Oct 26, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 26, 2026: 4.06% APYOct 26, 2026Oct 31, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3-Month Certificate
$0
4.00% ▲ 1.79% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.21%▲ 1.79% above avgNationally 2.13%
Details

No minimum deposit; Open Account online

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 31, 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% ▲ 1.79% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.21%▲ 1.79% above avgNationally 2.13%
Details

Limited Time promotional yield on new certificates; IRA certificates do not qualify; no additional deposits

Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 31, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3-Month Share Certificate
$0
4.00% ▲ 1.79% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.21%▲ 1.79% above avgNationally 2.13%
Details

Promotional yield calculated on a 3.93% base rate; membership eligibility required; new Certificates only; no additional deposits during term; rolls over to a 3-Month Certificate at available rates at maturity

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 31, 2026
West Shore Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
CD Specials - 3 Month
$500
3.90% ▲ 1.69% above Michigan avg
View
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.21%▲ 1.69% above avgNationally 2.13%
Details

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

Rate History
No change since Oct 21, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 21, 2026: 3.90% APYOct 21, 2026Oct 31, 2026
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
3 Month Certificate of Deposit
$0
3.85% ▲ 1.64% above Michigan avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.21%▲ 1.64% above avgNationally 2.13%
Details

Requires $1,000 minimum balance to obtain the APY; APY assumes principal and interest remain on deposit until maturity

Rate History
No change since Oct 14, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Oct 14, 2026: 3.85% APYOct 14, 2026Oct 31, 2026
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Time Certificate of Deposit - 3 Month
$0
3.85% ▲ 1.64% above Michigan avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.21%▲ 1.64% above avgNationally 2.13%
Details

East Lansing Rates

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 31, 2026
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
3-Month Certificate
$0
3.85% ▲ 1.64% above Michigan avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average2.21%▲ 1.64% above avgNationally 2.13%
Details

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 31, 2026
  • Sep 27, 20263.85%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Independent Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
3-Month CD Special
$0
3.76% ▲ 1.55% above Michigan avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.21%▲ 1.55% above avgNationally 2.13%
Details

Interest Tier Information: $1,000 minimum; Effective Date: October 28, 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 31, 2026
  • Oct 2, 20263.76%▲ from 3.66%
  • Sep 24, 20263.66%▲ from 3.56%
  • Sep 18, 20263.56%first recorded
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
3 Month Business Share Certificates
$0
3.75% ▲ 1.54% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.21%▲ 1.54% above avgNationally 2.13%
Details

Balance: $1,000 to $24,999

Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 31, 2026
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
3 Month Share Certificates
$0
3.75% ▲ 1.54% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.21%▲ 1.54% above avgNationally 2.13%
Details

Balance: $1,000 to $24,999

Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 31, 2026
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3 Month Jumbo Term Share Certificates
$0
3.75% ▲ 1.54% above Michigan avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average2.21%▲ 1.54% above avgNationally 2.13%
Details

Subject to penalty for early withdrawal

Rate History
1 change since Oct 14, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40%
2.90%3.58%4.25%Oct 14, 2026: 3.40% APYOct 30, 2026: 3.75% APYOct 14, 2026Oct 31, 2026
  • Oct 30, 20263.75%▲ from 3.40%
  • Oct 14, 20263.40%first recorded
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
Share Certificate - 3 Months
$500
3.75% ▲ 1.54% above Michigan avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average2.21%▲ 1.54% above avgNationally 2.13%
Details

Special 3 Month Share Certificate: limited time offer, may be cancelled without notice; automatically rolls over to another 3 Month Share Certificate; Early Withdrawal Penalty: 90 Days' Dividends

Rate History
No change since Oct 30, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 30, 2026: 3.75% APYOct 30, 2026Oct 31, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.90%
Special 3 Month Share Certificate
$500
3.75% ▲ 1.54% above Michigan avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average2.21%▲ 1.54% above avgNationally 2.13%
Details

Special 3 Month Share Certificate is a limited time offer and may be cancelled at any time; auto-rolls to another 3 Month Share Certificate with a 10-day grace period; Early Withdrawal Penalty: 90 Days' Dividends

Rate History
No change since Oct 30, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 30, 2026: 3.75% APYOct 30, 2026Oct 31, 2026
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Term Share Certificates - 3 Months
$0
3.65% ▲ 1.44% above Michigan avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average2.21%▲ 1.44% above avgNationally 2.13%
Details

Rate History
1 change since Oct 19, 2026 · 3.40% → 3.65% ▲ 0.25 pts · high 3.65% / low 3.40%
2.90%3.53%4.15%Oct 19, 2026: 3.40% APYOct 30, 2026: 3.65% APYOct 19, 2026Oct 31, 2026
  • Oct 30, 20263.65%▲ from 3.40%
  • Oct 19, 20263.40%first recorded
St Francis X Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
3 Month CD & IRA CD
$0
3.60% ▲ 1.39% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average2.21%▲ 1.39% above avgNationally 2.13%
Details

Second Tier APY; Balance: $100,000+

Rate History
No change since Sep 12, 2026 · 3.60% APY · checked 8 times
3.10%3.60%4.10%Sep 12, 2026: 3.60% APYSep 12, 2026Oct 31, 2026
Highpoint Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
CD - 90 Day (3 Month)
$500
3.55% ▲ 1.34% above Michigan avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.21%▲ 1.34% 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 5 times
3.05%3.55%4.05%Oct 14, 2026: 3.55% APYOct 14, 2026Oct 31, 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% ▲ 1.34% above Michigan avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.21%▲ 1.34% above avgNationally 2.13%
Details

VIP Relationship Reward Bonus

Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 31, 2026
Honor Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3 Month CD
$1,000
3.50% ▲ 1.29% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Michigan Average2.21%▲ 1.29% 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 3 times
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 31, 2026
St Francis X Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
3 Month CD & IRA CD
$0
3.50% ▲ 1.29% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average2.21%▲ 1.29% above avgNationally 2.13%
Details

First Tier APY

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 31, 2026
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3 Month AMP Term Share Certificates
$0
3.50% ▲ 1.29% above Michigan avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average2.21%▲ 1.29% above avgNationally 2.13%
Details

Subject to penalty for early withdrawal

Rate History
1 change since Sep 18, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Sep 18, 2026: 3.25% APYOct 30, 2026: 3.50% APYSep 18, 2026Oct 31, 2026
  • Oct 30, 20263.50%▲ from 3.25%
  • Sep 18, 20263.25%first recorded
1st Source Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
3 Month SPECIAL CD
$25,000
3.40% ▲ 1.19% above Michigan avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.21%▲ 1.19% above avgNationally 2.13%
Details

Early withdrawal penalties may apply; Open Online

Rate History
No change since Oct 31, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 31, 2026: 3.40% APYOct 31, 2026Oct 31, 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% ▲ 1.19% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.21%▲ 1.19% above avgNationally 2.13%
Details

Valid thru 11/01/2026

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 31, 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
$500
3.40% ▲ 1.19% above Michigan avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.21%▲ 1.19% above avgNationally 2.13%
Details

VIP Relationship Reward Bonus rate

Rate History
No change since Oct 13, 2026 · 3.40% APY · checked 4 times
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 31, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Month IRA/HSA CD
$500
3.30% ▲ 1.09% above Michigan avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.21%▲ 1.09% above avgNationally 2.13%
Details

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 9 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 31, 2026
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
90 Day Certificate
$500
3.29% ▲ 1.08% above Michigan avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.21%▲ 1.08% above avgNationally 2.13%
Details

Interest compounded and credited quarterly

Rate History
No change since Sep 18, 2026 · 3.29% APY · checked 10 times
2.79%3.29%3.79%Sep 18, 2026: 3.29% APYSep 18, 2026Oct 31, 2026
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
90 Day Youth Certificate
$100
3.29% ▲ 1.08% above Michigan avg
View
▼
Rate3.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.21%▲ 1.08% 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 · checked 3 times
2.79%3.29%3.79%Oct 20, 2026: 3.29% APYOct 20, 2026Oct 31, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
3-Month Certificate or IRA-HSA
$0
3.25% ▲ 1.04% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.21%▲ 1.04% above avgNationally 2.13%
Details

Valid thru 11/01/2026

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 31, 2026
  • Sep 25, 20263.25%▲ from 3.00%
  • Sep 18, 20263.00%first recorded
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
3 Month Certificate
$500
3.25% ▲ 1.04% above Michigan avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.21%▲ 1.04% above avgNationally 2.13%
Details

Rate History
1 change since Sep 14, 2026 · 2.89% → 3.25% ▲ 0.36 pts · high 3.25% / low 2.89%
2.39%3.07%3.75%Sep 14, 2026: 2.89% APYOct 9, 2026: 3.25% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20263.25%▲ from 2.89%
  • Sep 14, 20262.89%first recorded
Bank of Ann Arbor
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
3 Month Retail CD
$1,000
3.15% ▲ 0.94% above Michigan avg
View
▼
Rate3.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.21%▲ 0.94% above avgNationally 2.13%
Details

For deposits of $1,000 to $99,999; Interest Rate and APY shown with Autopay Discount; A penalty may be imposed for early withdrawal; Rates effective as of 10/26/2026 - 11/01/2026

Rate History
No change since Oct 14, 2026 · 3.15% APY · checked 5 times
2.65%3.15%3.65%Oct 14, 2026: 3.15% APYOct 14, 2026Oct 31, 2026
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
3 Month Term Share Certificate
$500
3.15% ▲ 0.94% above Michigan avg
View
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.21%▲ 0.94% above avgNationally 2.13%
Details

Rates based on term selected and on where purchased; penalty for early withdrawal; Rates effective 10/1/2026

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 8 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 31, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Month CD
$500
3.15% ▲ 0.94% above Michigan avg
View
▼
Rate3.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.21%▲ 0.94% above avgNationally 2.13%
Details

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 9 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Oct 31, 2026
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
3 Month IRA Certificate
$0
3.10% ▲ 0.89% above Michigan avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average2.21%▲ 0.89% above avgNationally 2.13%
Details

Rates accurate as of 06/29/26

Rate History
No change since Oct 19, 2026 · 3.10% APY · checked 3 times
2.60%3.10%3.60%Oct 19, 2026: 3.10% APYOct 19, 2026Oct 31, 2026
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
3 Month Regular Term Share Certificate
$50
3.10% ▲ 0.89% above Michigan avg
View
▼
Rate3.06%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average2.21%▲ 0.89% above avgNationally 2.13%
Details

Rates accurate as of 06/29/26; Regular term CDs allow additional add on deposits

Rate History
No change since Oct 19, 2026 · 3.10% APY · checked 3 times
2.60%3.10%3.60%Oct 19, 2026: 3.10% APYOct 19, 2026Oct 31, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
3 Month CD - Relationship CD
$2,500
3.05% ▲ 0.84% above Michigan avg
View
▼
Rate3.02%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.21%▲ 0.84% above avgNationally 2.13%
Details

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

Rate History
No change since Oct 31, 2026 · 3.05% APY
2.55%3.05%3.55%Oct 31, 2026: 3.05% APYOct 31, 2026Oct 31, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
3 Month Certificate of Deposit
$0
3.04% ▲ 0.83% above Michigan avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.21%▲ 0.83% above avgNationally 2.13%
Details

Balance: $10,000-$24,999; Certificate of Deposit Rates table on IRA Rates page

Rate History
No change since Oct 22, 2026 · 3.04% APY · checked 3 times
2.54%3.04%3.54%Oct 22, 2026: 3.04% APYOct 22, 2026Oct 31, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
3 Month IRA Certificate of Deposit
$0
3.04% ▲ 0.83% above Michigan avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.21%▲ 0.83% above avgNationally 2.13%
Details

Balance: $25,000 - $49,999; Effective Date: March 13, 2025

Rate History
No change since Oct 22, 2026 · 3.04% APY · checked 3 times
2.54%3.04%3.54%Oct 22, 2026: 3.04% APYOct 22, 2026Oct 31, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
Certificate of Deposit - 3 Months
$0
3.04% ▲ 0.83% above Michigan avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.21%▲ 0.83% above avgNationally 2.13%
Details

Balance: $500-$2,499

Rate History
No change since Oct 22, 2026 · 3.04% APY · checked 3 times
2.54%3.04%3.54%Oct 22, 2026: 3.04% APYOct 22, 2026Oct 31, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
IRA Certificate of Deposit - 3 Months
$0
3.04% ▲ 0.83% above Michigan avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.21%▲ 0.83% above avgNationally 2.13%
Details

Balance: $500-$2,499; Effective Date: March 13, 2025

Rate History
No change since Oct 22, 2026 · 3.04% APY · checked 3 times
2.54%3.04%3.54%Oct 22, 2026: 3.04% APYOct 22, 2026Oct 31, 2026
West Shore Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
3 Month Certificates of Deposit (CDs)
$500
3.00% ▲ 0.79% above Michigan avg
View
▼
Rate2.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.21%▲ 0.79% above avgNationally 2.13%
Details

Rate History
No change since Sep 11, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 11, 2026: 3.00% APYSep 11, 2026Oct 31, 2026
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
Share Certificate - 3 Months
$0
3.00% ▲ 0.79% above Michigan avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.21%▲ 0.79% above avgNationally 2.13%
Details

Dividend rate for $500 and up

Rate History
No change since Oct 15, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 15, 2026: 3.00% APYOct 15, 2026Oct 31, 2026
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3 Month Cert / IRA
$1,000
3.00% ▲ 0.79% above Michigan avg
View
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.21%▲ 0.79% above avgNationally 2.13%
Details

Dividends Paid: At Maturity; Penalty: 90 days*

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 31, 2026
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
3 Month CD-Certificate of Deposit
$0
2.95% ▲ 0.74% above Michigan avg
View
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.21%▲ 0.74% above avgNationally 2.13%
Details

Balance: $250,000 and up

Rate History
No change since Sep 22, 2026 · 2.95% APY · checked 9 times
2.45%2.95%3.45%Sep 22, 2026: 2.95% APYSep 22, 2026Oct 31, 2026
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
3 Month CD-Certificate of Deposit
$0
2.90% ▲ 0.69% above Michigan avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.21%▲ 0.69% above avgNationally 2.13%
Details

Balance: $150,000 - $249,000

Rate History
No change since Sep 22, 2026 · 2.90% APY · checked 9 times
2.40%2.90%3.40%Sep 22, 2026: 2.90% APYSep 22, 2026Oct 31, 2026
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
3 Month CD-Certificate of Deposit
$0
2.85% ▲ 0.64% above Michigan avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.21%▲ 0.64% above avgNationally 2.13%
Details

Balance: $100,000 - $149,000

Rate History
No change since Sep 22, 2026 · 2.85% APY · checked 9 times
2.35%2.85%3.35%Sep 22, 2026: 2.85% APYSep 22, 2026Oct 31, 2026

Croswell 6 Month CD Rates

Michigan 6 Month CD Average2.91% APYNational 2.79%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Eastern Michigan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
65 N Howard Ave, Croswell, MI 48422
6-month CD/IRA
$500
0.25% ▼ 2.66% below Michigan avg
View
▼
Rate0.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Michigan Average2.91%▼ 2.66% below avgNationally 2.79%
Details

APY when interest is added back each month

Rate History
No change since Oct 22, 2026 · 0.25% APY · checked 3 times
0.00%0.38%0.75%Oct 22, 2026: 0.25% APYOct 22, 2026Oct 31, 2026
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
6 month - 4H or FFA CD
$0
5.05% ▲ 2.14% above Michigan avg
View
▼
Rate4.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.91%▲ 2.14% above avgNationally 2.79%
Details

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

Rate History
No change since Sep 14, 2026 · 5.05% APY · checked 11 times
4.55%5.05%5.55%Sep 14, 2026: 5.05% APYSep 14, 2026Oct 31, 2026
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
6 month SmartStart Youth CD
$100
5.00% ▲ 2.09% above Michigan avg
View
▼
Rate4.88%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.91%▲ 2.09% above avgNationally 2.79%
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 5 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Oct 31, 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% ▲ 1.84% above Michigan avg
View
▼
Rate4.65%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.91%▲ 1.84% above avgNationally 2.79%
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 9 times
4.25%4.75%5.25%Oct 7, 2026: 4.75% APYOct 7, 2026Oct 31, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
6 Month Share Certificates
$0
4.75% ▲ 1.84% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average2.91%▲ 1.84% above avgNationally 2.79%
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 31, 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% ▲ 1.84% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average2.91%▲ 1.84% above avgNationally 2.79%
Details

FEATURED RATE; Penalties may apply for early withdrawals.

Rate History
No change since Oct 23, 2026 · 4.75% APY · checked 2 times
4.25%4.75%5.25%Oct 23, 2026: 4.75% APYOct 23, 2026Oct 31, 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% ▲ 1.59% above Michigan avg
View
▼
Rate4.41%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.91%▲ 1.59% above avgNationally 2.79%
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 9 times
4.00%4.50%5.00%Oct 7, 2026: 4.50% APYOct 7, 2026Oct 31, 2026
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6 Month CD Special
$500
4.50% ▲ 1.59% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.91%▲ 1.59% above avgNationally 2.79%
Details

Limited time offer; Jumbo CD ($100,000 plus) rate bumps not available on CD Specials; penalty may be imposed for early withdrawal; corresponding APR shown in disclosure

Rate History
2 changes since Sep 14, 2026 · 3.69% → 4.50% ▲ 0.81 pts · high 4.50% / low 3.69%
2.88%4.10%5.31%Sep 14, 2026: 3.69% APYOct 9, 2026: 3.75% APYOct 29, 2026: 4.50% APYSep 14, 2026Oct 31, 2026
  • Oct 29, 20264.50%▲ from 3.75%
  • Oct 9, 20263.75%▲ from 3.69%
  • Sep 14, 20263.69%first recorded
Community Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
6 Month Certificate
$1,000
4.30% ▲ 1.39% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.91%▲ 1.39% above avgNationally 2.79%
Details

Share Certificate

Rate History
No change since Oct 22, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Oct 22, 2026: 4.30% APYOct 22, 2026Oct 31, 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% ▲ 1.34% above Michigan avg
View
▼
Rate4.17%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.91%▲ 1.34% above avgNationally 2.79%
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 9 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 31, 2026
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
Certificate - 6 Month Youth
$100
4.25% ▲ 1.34% above Michigan avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average2.91%▲ 1.34% above avgNationally 2.79%
Details

Youth certificate

Rate History
1 change since Oct 23, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Oct 23, 2026: 4.00% APYOct 28, 2026: 4.25% APYOct 23, 2026Oct 31, 2026
  • Oct 28, 20264.25%▲ from 4.00%
  • Oct 23, 20264.00%first recorded
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
Certificate - 6 Months
$500
4.25% ▲ 1.34% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average2.91%▲ 1.34% above avgNationally 2.79%
Details

Rate History
1 change since Oct 23, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Oct 23, 2026: 4.00% APYOct 28, 2026: 4.25% APYOct 23, 2026Oct 31, 2026
  • Oct 28, 20264.25%▲ from 4.00%
  • Oct 23, 20264.00%first recorded
Kalsee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
6-Month Special - Platinum & VIP Members
$0
4.25% ▲ 1.34% above Michigan avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.91%▲ 1.34% above avgNationally 2.79%
Details

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

Rate History
No change since Oct 19, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 19, 2026: 4.25% APYOct 19, 2026Oct 31, 2026
Kalsee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
6-Month Special CD - Platinum & VIP
$500
4.25% ▲ 1.34% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.91%▲ 1.34% above avgNationally 2.79%
Details

Balance: $500 - $1,000,000; Platinum or VIP Perks; Limited-time promo; Funds currently on deposit at Kalsee Credit Union not eligible; Penalty for early withdrawal

Rate History
No change since Oct 19, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 19, 2026: 4.25% APYOct 19, 2026Oct 31, 2026
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
6-Month HYRC Certificate
$0
4.25% ▲ 1.34% above Michigan avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average2.91%▲ 1.34% above avgNationally 2.79%
Details

High-Yield Rewards Checking Account required

Rate History
2 changes since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.10% APYOct 30, 2026: 4.25% APYSep 18, 2026Oct 31, 2026
  • Oct 30, 20264.25%▲ from 4.10%
  • Sep 27, 20264.10%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
DOW Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Simple CD - 6 Months
$500
4.25% ▲ 1.34% above Michigan avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average2.91%▲ 1.34% above avgNationally 2.79%
Details

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

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 31, 2026
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
Jumbo Share Certificate - 6 months
$100,000
4.16% ▲ 1.25% above Michigan avg
View
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average2.91%▲ 1.25% above avgNationally 2.79%
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
No change since Oct 23, 2026 · 4.16% APY · checked 2 times
3.66%4.16%4.66%Oct 23, 2026: 4.16% APYOct 23, 2026Oct 31, 2026
GR Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
6 Month Certificate
$500
4.15% ▲ 1.24% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average2.91%▲ 1.24% above avgNationally 2.79%
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 31, 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% ▲ 1.19% above Michigan avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.91%▲ 1.19% above avgNationally 2.79%
Details

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

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 31, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-Month Business CD
$2,500
4.10% ▲ 1.19% above Michigan avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average2.91%▲ 1.19% above avgNationally 2.79%
Details

Annual Percentage Yield; Maximum deposit $10 million; Not available for public units; Limited-time offer; Fees could reduce earnings; Early withdrawal penalties apply

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 31, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-Month CD
$2,500
4.10% ▲ 1.19% above Michigan avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average2.91%▲ 1.19% above avgNationally 2.79%
Details

Short-term growth CD; $2,500 minimum opening deposit; maximum deposit $10 million; not available for public units or Business CDs

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 31, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Michigan Columbus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
6 Month CD
$0
4.07% ▲ 1.16% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average2.91%▲ 1.16% above avgNationally 2.79%
Details

Homepage rate guide

Rate History
No change since Sep 25, 2026 · 4.07% APY · checked 7 times
3.57%4.07%4.57%Sep 25, 2026: 4.07% APYSep 25, 2026Oct 31, 2026
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
Timed Certificate - 6 Months
$1,000
4.07% ▲ 1.16% above Michigan avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.91%▲ 1.16% above avgNationally 2.79%
Details

Timed Certificates; Effective October 07, 2026

Rate History
No change since Oct 26, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 26, 2026: 4.07% APYOct 26, 2026Oct 31, 2026
West Shore Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
CD Specials - 6 Month
$500
4.05% ▲ 1.14% above Michigan avg
View
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.91%▲ 1.14% above avgNationally 2.79%
Details

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

Rate History
No change since Oct 21, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 21, 2026: 4.05% APYOct 21, 2026Oct 31, 2026
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
6 MONTH CD
$50,000
4.05% ▲ 1.14% above Michigan avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.91%▲ 1.14% above avgNationally 2.79%
Details

Effective Thursday, October 29, 2026

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.05% ▲ 0.25 pts · high 4.05% / low 3.80%
3.30%3.93%4.55%Sep 14, 2026: 3.80% APYOct 9, 2026: 4.05% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20264.05%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
Term Share Certificates - 6 Month
$100
4.02% ▲ 1.11% above Michigan avg
View
▼
Rate3.95%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.91%▲ 1.11% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 4.02% APY · checked 3 times
3.52%4.02%4.52%Sep 14, 2026: 4.02% APYSep 14, 2026Oct 31, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
6-month CD
$1,000
4.00% ▲ 1.09% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.91%▲ 1.09% above avgNationally 2.79%
Details

Online only; 30-day penalty if withdrawn before maturity

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.00% ▲ 0.44 pts · high 4.00% / low 3.56%
3.06%3.78%4.50%Sep 14, 2026: 3.56% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 31, 2026
  • Sep 24, 20264.00%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
6 Month Certificate of Deposit
$0
4.00% ▲ 1.09% above Michigan avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.91%▲ 1.09% above avgNationally 2.79%
Details

Requires $1,000 minimum balance to obtain the APY; APY assumes principal and interest remain on deposit until maturity

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 31, 2026
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Time Certificate of Deposit - 6 Month
$0
4.00% ▲ 1.09% above Michigan avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.91%▲ 1.09% above avgNationally 2.79%
Details

East Lansing Rates

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 31, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 6-Month Share Certificate
$0
4.00% ▲ 1.09% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.91%▲ 1.09% above avgNationally 2.79%
Details

Promotional yield calculated on a 3.93% base rate; membership eligibility required; new Certificates only; no additional deposits during term; rolls over to a 6-Month Certificate at available rates at maturity

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 31, 2026
West Michigan Community Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
6-Month CD
$0
4.00% ▲ 1.09% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.91%▲ 1.09% above avgNationally 2.79%
Details

Jenison Branch Only; Promo code RENOVATE; Requires $1,000 minimum balance to earn APY; Interest paid until maturity, compounded and paid quarterly; Early withdrawal penalties apply; At renewal, renews as a 6-month CD at the current posted rate

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 31, 2026
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 month Share Certificate
$0
4.00% ▲ 1.09% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average2.91%▲ 1.09% above avgNationally 2.79%
Details

Maximum balance: $250,000.00

Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 25, 2026: 4.00% APYSep 25, 2026Oct 31, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
6 Month Youth Certificates
$0
4.00% ▲ 1.09% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average2.91%▲ 1.09% above avgNationally 2.79%
Details

FEATURED RATE; APY includes .25% Club Benefit Earned payment; Club Benefit Earned payments discontinue at the age of 18

Rate History
No change since Sep 30, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 30, 2026: 4.00% APYSep 30, 2026Oct 31, 2026
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
6 Month IRA Certificate
$0
4.00% ▲ 1.09% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average2.91%▲ 1.09% above avgNationally 2.79%
Details

IRA - Individual accounts only

Rate History
No change since Sep 16, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 16, 2026: 4.00% APYSep 16, 2026Oct 31, 2026
Construction Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.50%
6 Month Certificate of Deposit
$2,500
4.00% ▲ 1.09% above Michigan avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.91%▲ 1.09% above avgNationally 2.79%
Details

Savings and Certificate Programs; Effective Date: Thursday, October 29th, 2026; Up to 90 day penalty for early withdrawal; Maximum deposits to a Regular or IRA Certificate capped at $250,000 per member

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 31, 2026
Construction Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.50%
6 Month IRA Certificate of Deposit
$2,500
4.00% ▲ 1.09% above Michigan avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.91%▲ 1.09% above avgNationally 2.79%
Details

Savings and Certificate Programs; Effective Date: Thursday, October 29th, 2026; Up to 90 day penalty for early withdrawal; Maximum deposits to a Regular or IRA Certificate capped at $250,000 per member

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 31, 2026
Kalsee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
6 Month Certificate Special
$0
4.00% ▲ 1.09% above Michigan avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.91%▲ 1.09% above avgNationally 2.79%
Details

Balance: $500 - $1,000,000

Rate History
No change since Sep 29, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 29, 2026: 4.00% APYSep 29, 2026Oct 31, 2026
Kalsee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
6-Month Special CD
$500
4.00% ▲ 1.09% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.91%▲ 1.09% above avgNationally 2.79%
Details

Balance: $500 - $1,000,000; Standard rate; Limited-time promo; Funds currently on deposit at Kalsee Credit Union not eligible; Penalty for early withdrawal

Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 31, 2026
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
6 Month Business Share Certificates
$0
4.00% ▲ 1.09% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.91%▲ 1.09% above avgNationally 2.79%
Details

Balance: $1,000 to $24,999; Tier 1

Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 31, 2026
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
6 month Share Certificates
$0
4.00% ▲ 1.09% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.91%▲ 1.09% above avgNationally 2.79%
Details

Balance: $1,000 to $24,999

Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 31, 2026
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
6 Month Certificate of Deposit
$500
4.00% ▲ 1.09% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.91%▲ 1.09% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 31, 2026
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
Certificate of Deposit - 6 Months
$500
4.00% ▲ 1.09% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.91%▲ 1.09% above avgNationally 2.79%
Details

Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 31, 2026
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
6 Month Certificate of Deposit
$500
4.00% ▲ 1.09% above Michigan avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.91%▲ 1.09% above avgNationally 2.79%
Details

Under 18 minimum balance $100.00; 0.10% APY bonus with M1 Premier Checking Account; early withdrawal penalty may apply

Rate History
No change since Oct 26, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 26, 2026: 4.00% APYOct 26, 2026Oct 31, 2026
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
Certificate of Deposit - 6 Months
$500
4.00% ▲ 1.09% above Michigan avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.91%▲ 1.09% above avgNationally 2.79%
Details

Under 18 minimum balance $100.00; 0.10% APY bonus with M1 Premier Checking Account

Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 31, 2026
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
6 Month CD Special
$0
4.00% ▲ 1.09% above Michigan avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.91%▲ 1.09% above avgNationally 2.79%
Details

CD SPECIAL!; printed as 4.00% APY* and 3.93% APR; Effective Date: September 1, 2026

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 31, 2026
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
6 Month Certificate
$0
4.00% ▲ 1.09% above Michigan avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.91%▲ 1.09% above avgNationally 2.79%
Details

CD Special: 4.00% APY, 3.93% APR

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 31, 2026
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
6-Month Certificate
$0
4.00% ▲ 1.09% above Michigan avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average2.91%▲ 1.09% above avgNationally 2.79%
Details

Rate History
2 changes since Sep 18, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 18, 2026: 3.75% APYSep 27, 2026: 3.85% APYOct 30, 2026: 4.00% APYSep 18, 2026Oct 31, 2026
  • Oct 30, 20264.00%▲ from 3.85%
  • Sep 27, 20263.85%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Certificate of Deposit - 6 Month
$500
3.95% ▲ 1.04% above Michigan avg
View
▼
Rate3.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.91%▲ 1.04% above avgNationally 2.79%
Details

Rates as of September 28, 2026; Automatic renewal standard

Rate History
No change since Oct 14, 2026 · 3.95% APY · checked 5 times
3.45%3.95%4.45%Oct 14, 2026: 3.95% APYOct 14, 2026Oct 31, 2026
First State Bank (MI)
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
Jumbo CD - 180 Days
$0
3.95% ▲ 1.04% above Michigan avg
View
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.91%▲ 1.04% above avgNationally 2.79%
Details

Rates current as of October 20, 2026

Rate History
No change since Oct 20, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 20, 2026: 3.95% APYOct 20, 2026Oct 31, 2026
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
Certificate - 6 Month
$0
3.95% ▲ 1.04% above Michigan avg
View
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average2.91%▲ 1.04% above avgNationally 2.79%
Details

Maximum Balance: $1,000,000 per member; Rates effective as of 10/22/2026; Less than 1 Year certificate dividends post at maturity

Rate History
No change since Oct 12, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 12, 2026: 3.95% APYOct 12, 2026Oct 31, 2026

Croswell 12 Month CD Rates

Michigan 12 Month CD Average3.13% APYNational 3.01%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
5200 Peck Rd, Croswell, MI 48422 1462
IRA Share Certificates of Deposit - 1 year
$0
3.55% ▲ 0.42% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.13%▲ 0.42% above avgNationally 3.01%
Details

Early withdrawal penalty: 90 days interest for terms of 12 months or less, 180 days interest for terms greater than 1 year

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 31, 2026
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
5200 Peck Rd, Croswell, MI 48422 1462
Share Certificate of Deposit - 1 year
$0
3.55% ▲ 0.42% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.13%▲ 0.42% above avgNationally 3.01%
Details

Early withdrawal penalty: 90 days interest for terms of 12 months or less, 180 days interest for terms greater than 1 year

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 31, 2026
Eastern Michigan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
65 N Howard Ave, Croswell, MI 48422
Advantage 50 12-month CD
$2,500
0.40% ▼ 2.73% below Michigan avg
View
▼
Rate0.40%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Michigan Average3.13%▼ 2.73% below avgNationally 3.01%
Details

APY when interest is added back each month

Rate History
No change since Oct 22, 2026 · 0.40% APY · checked 3 times
0.00%0.45%0.90%Oct 22, 2026: 0.40% APYOct 22, 2026Oct 31, 2026
Eastern Michigan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
65 N Howard Ave, Croswell, MI 48422
12-month CD/IRA
$500
0.25% ▼ 2.88% below Michigan avg
View
▼
Rate0.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Michigan Average3.13%▼ 2.88% below avgNationally 3.01%
Details

APY when interest is added back each month

Rate History
No change since Oct 22, 2026 · 0.25% APY · checked 3 times
0.00%0.38%0.75%Oct 22, 2026: 0.25% APYOct 22, 2026Oct 31, 2026
Diversified Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
12 Month Legacy CD
$0
5.15% ▲ 2.02% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.13%▲ 2.02% above avgNationally 3.01%
Details

Legacy CD - for a beneficiary, representative, or joint owner of a deceased member's account; Min deposit $5,000.00, Max deposit $1,000,000; two withdrawals and two additional deposits without penalty during the 12-month period

Rate History
No change since Sep 18, 2026 · 5.15% APY · checked 8 times
4.65%5.15%5.65%Sep 18, 2026: 5.15% APYSep 18, 2026Oct 31, 2026
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
Certificate of Deposit - 12 Month Youth Special
$0
5.00% ▲ 1.87% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.13%▲ 1.87% above avgNationally 3.01%
Details

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

Rate History
No change since Oct 26, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Oct 26, 2026: 5.00% APYOct 26, 2026Oct 31, 2026
Best Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
Certificates of Deposit (CDs) - 12 Month Super Kids
$100
5.00% ▲ 1.87% above Michigan avg
View
▼
Rate4.91%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.13%▲ 1.87% above avgNationally 3.01%
Details

$2,500 maximum; Early withdrawal penalty: 90 days interest

Rate History
No change since Oct 29, 2026 · 5.00% APY
4.50%5.00%5.50%Oct 29, 2026: 5.00% APYOct 29, 2026Oct 31, 2026
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
12 Month Youth(Explorer) CD
$0
4.60% ▲ 1.47% above Michigan avg
View
▼
Rate4.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.13%▲ 1.47% above avgNationally 3.01%
Details

Youth(Explorer) CD: 12-month term

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 31, 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% ▲ 1.37% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average3.13%▲ 1.37% above avgNationally 3.01%
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 31, 2026
  • Oct 20, 20264.50%▲ from 4.35%
  • Sep 24, 20264.35%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
12 Month Share Certificates
$0
4.50% ▲ 1.37% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average3.13%▲ 1.37% above avgNationally 3.01%
Details

Rate History
3 changes since Sep 30, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
2.50%4.00%5.50%Sep 30, 2026: 3.50% APYOct 14, 2026: 4.50% APYOct 15, 2026: 3.50% APYOct 23, 2026: 4.50% APYSep 30, 2026Oct 31, 2026
  • Oct 23, 20264.50%▲ from 3.50%
  • Oct 15, 20263.50%▼ from 4.50%
  • Oct 14, 20264.50%▲ from 3.50%
  • Sep 30, 20263.50%first recorded
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
12 Month Youth Certificates 1
$0
4.50% ▲ 1.37% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average3.13%▲ 1.37% above avgNationally 3.01%
Details

Penalties may apply for early withdrawals.

Rate History
No change since Oct 23, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 23, 2026: 4.50% APYOct 23, 2026Oct 31, 2026
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
iSave Youth CD (1 Year) - Military
$0
4.50% ▲ 1.37% above Michigan avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.13%▲ 1.37% above avgNationally 3.01%
Details

Military rate as printed in table; footnote states the military 1% increase excludes iSave; requires full direct deposit of $2,000 or more into checking; military status verification required

Rate History
No change since Oct 29, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 29, 2026: 4.50% APYOct 29, 2026Oct 31, 2026
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
Save to Win (1 year) - Military
$0
4.50% ▲ 1.37% above Michigan avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.13%▲ 1.37% above avgNationally 3.01%
Details

Military rate. Qualified Military Members receive a 1% rate increase on all CDs (excluding iSave); requires full direct deposit of at least $2,000 into checking; military status verification required.

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 31, 2026
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
12 Month Youth Share Certificate
$100
4.50% ▲ 1.37% above Michigan avg
View
▼
Rate4.41%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.13%▲ 1.37% above avgNationally 3.01%
Details

Max $500; Youth club members 17 years old and younger only; Rates effective 10/1/2026; Penalty for early withdrawal

Rate History
2 changes since Sep 14, 2026 · 3.20% → 4.50% ▲ 1.30 pts · high 4.50% / low 3.20%
1.90%3.85%5.80%Sep 14, 2026: 3.20% APYSep 18, 2026: 3.55% APYOct 19, 2026: 4.50% APYSep 14, 2026Oct 31, 2026
  • Oct 19, 20264.50%▲ from 3.55%
  • Sep 18, 20263.55%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
12 Month CD Special
$500
4.50% ▲ 1.37% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.13%▲ 1.37% above avgNationally 3.01%
Details

Limited time offer; Jumbo CD ($100,000 plus) rate bumps not available on CD Specials; penalty may be imposed for early withdrawal; corresponding APR shown in disclosure

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
2.50%4.00%5.50%Sep 14, 2026: 3.50% APYOct 29, 2026: 4.50% APYSep 14, 2026Oct 31, 2026
  • Oct 29, 20264.50%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
12 Month Certificate
$0
4.50% ▲ 1.37% above Michigan avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.13%▲ 1.37% above avgNationally 3.01%
Details

Rate History
No change since Oct 26, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 26, 2026: 4.50% APYOct 26, 2026Oct 31, 2026
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
12 Month Youth Certificate
$0
4.50% ▲ 1.37% above Michigan avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.13%▲ 1.37% above avgNationally 3.01%
Details

Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 31, 2026
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
12 Month Special Certificate of Deposit
$0
4.45% ▲ 1.32% above Michigan avg
View
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average3.13%▲ 1.32% above avgNationally 3.01%
Details

Requires $1,000 minimum balance to obtain the APY; APY assumes principal and interest remain on deposit until maturity

Rate History
No change since Oct 26, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 26, 2026: 4.45% APYOct 26, 2026Oct 31, 2026
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Time Certificate of Deposit - 12 Month Special
$0
4.45% ▲ 1.32% above Michigan avg
View
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average3.13%▲ 1.32% above avgNationally 3.01%
Details

East Lansing Rates

Rate History
No change since Oct 14, 2026 · 4.45% APY · checked 4 times
3.95%4.45%4.95%Oct 14, 2026: 4.45% APYOct 14, 2026Oct 31, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
Certificate of Deposit Special - 12 Month
$10,000
4.35% ▲ 1.22% above Michigan avg
View
▼
Rate4.27%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average3.13%▲ 1.22% above avgNationally 3.01%
Details

Limited-time offer; brokered deposits not eligible; last updated 10/01/2026

Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 9 times
3.85%4.35%4.85%Oct 7, 2026: 4.35% APYOct 7, 2026Oct 31, 2026
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
Certificate - 12 Months
$500
4.35% ▲ 1.22% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average3.13%▲ 1.22% above avgNationally 3.01%
Details

Rate History
1 change since Oct 23, 2026 · 4.10% → 4.35% ▲ 0.25 pts · high 4.35% / low 4.10%
3.60%4.23%4.85%Oct 23, 2026: 4.10% APYOct 28, 2026: 4.35% APYOct 23, 2026Oct 31, 2026
  • Oct 28, 20264.35%▲ from 4.10%
  • Oct 23, 20264.10%first recorded
Wolverine State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
1 Year Youth CD
$100
4.34% ▲ 1.21% above Michigan avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.13%▲ 1.21% above avgNationally 3.01%
Details

Certificate Rates - Effective 10/29/2026

Rate History
No change since Sep 14, 2026 · 4.34% APY · checked 9 times
3.84%4.34%4.84%Sep 14, 2026: 4.34% APYSep 14, 2026Oct 31, 2026
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
12 Month Certificate of Deposit
$0
4.30% ▲ 1.17% above Michigan avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average3.13%▲ 1.17% above avgNationally 3.01%
Details

Requires $1,000 minimum balance to obtain the APY; APY assumes principal and interest remain on deposit until maturity

Rate History
No change since Oct 26, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 26, 2026: 4.30% APYOct 26, 2026Oct 31, 2026
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Time Certificate of Deposit - 12 Month
$0
4.30% ▲ 1.17% above Michigan avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average3.13%▲ 1.17% above avgNationally 3.01%
Details

East Lansing Rates

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 31, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12-Month Business CD
$500
4.30% ▲ 1.17% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average3.13%▲ 1.17% above avgNationally 3.01%
Details

Annual Percentage Yield; Maximum deposit $10 million; Not available for public units; Limited-time offer; Fees could reduce earnings; Early withdrawal penalties apply

Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 5 times
3.80%4.30%4.80%Oct 14, 2026: 4.30% APYOct 14, 2026Oct 31, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12-Month CD
$500
4.30% ▲ 1.17% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average3.13%▲ 1.17% above avgNationally 3.01%
Details

Top rate CD; $500 minimum opening deposit; maximum deposit $10 million; not available for public units or Business CDs

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.30% APYSep 14, 2026Oct 31, 2026
  • Oct 10, 20264.30%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
DOW Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Simple CD - 12 Months
$500
4.30% ▲ 1.17% above Michigan avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average3.13%▲ 1.17% above avgNationally 3.01%
Details

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

Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Oct 14, 2026: 4.30% APYOct 14, 2026Oct 31, 2026
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
12 Month Share Certificate
$0
4.29% ▲ 1.16% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average3.13%▲ 1.16% above avgNationally 3.01%
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 3 times
3.79%4.29%4.79%Oct 8, 2026: 4.29% APYOct 8, 2026Oct 31, 2026
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Special Share Certificates - 12 Month
$0
4.29% ▲ 1.16% above Michigan avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average3.13%▲ 1.16% above avgNationally 3.01%
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 3 times
3.79%4.29%4.79%Oct 15, 2026: 4.29% APYOct 15, 2026Oct 31, 2026
West Shore Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
CD Specials - 12 Month
$500
4.25% ▲ 1.12% above Michigan avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average3.13%▲ 1.12% above avgNationally 3.01%
Details

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

Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 21, 2026: 4.25% APYOct 21, 2026Oct 31, 2026
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
12-Month HYRC Certificate
$0
4.25% ▲ 1.12% above Michigan avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average3.13%▲ 1.12% above avgNationally 3.01%
Details

High-Yield Rewards Checking Account required

Rate History
2 changes since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.10% APYOct 30, 2026: 4.25% APYSep 18, 2026Oct 31, 2026
  • Oct 30, 20264.25%▲ from 4.10%
  • Sep 27, 20264.10%▲ 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 - 12 months
$100,000
4.22% ▲ 1.09% above Michigan avg
View
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average3.13%▲ 1.09% above avgNationally 3.01%
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
No change since Oct 23, 2026 · 4.22% APY · checked 2 times
3.72%4.22%4.72%Oct 23, 2026: 4.22% APYOct 23, 2026Oct 31, 2026
Lake Huron Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate of Deposit - 12 Months
$0
4.19% ▲ 1.06% above Michigan avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.13%▲ 1.06% above avgNationally 3.01%
Details

Rate History
1 change since Sep 14, 2026 · 3.77% → 4.19% ▲ 0.42 pts · high 4.19% / low 3.77%
3.27%3.98%4.69%Sep 14, 2026: 3.77% APYSep 18, 2026: 4.19% APYSep 14, 2026Oct 31, 2026
  • Sep 18, 20264.19%▲ from 3.77%
  • Sep 14, 20263.77%first recorded
Family Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Jumbo Certificate of Deposit - 12 Month
$25,000
4.18% ▲ 1.05% above Michigan avg
View
▼
Rate4.10%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.13%▲ 1.05% above avgNationally 3.01%
Details

Rate History
No change since Oct 26, 2026 · 4.18% APY · checked 2 times
3.68%4.18%4.68%Oct 26, 2026: 4.18% APYOct 26, 2026Oct 31, 2026
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
12 Month Certificate of Deposit
$1,000
4.15% ▲ 1.02% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.13%▲ 1.02% above avgNationally 3.01%
Details

Rate History
1 change since Sep 22, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 22, 2026: 3.75% APYOct 9, 2026: 4.15% APYSep 22, 2026Oct 31, 2026
  • Oct 9, 20264.15%▲ from 3.75%
  • Sep 22, 20263.75%first recorded
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Certificates - 12 Months
$1,000
4.15% ▲ 1.02% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.13%▲ 1.02% above avgNationally 3.01%
Details

Dividends are paid monthly

Rate History
No change since Oct 13, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Oct 13, 2026: 4.15% APYOct 13, 2026Oct 31, 2026
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
Timed Certificate - 12 Months
$1,000
4.13% ▲ 1.00% above Michigan avg
View
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.13%▲ 1.00% above avgNationally 3.01%
Details

Timed Certificates; Effective October 07, 2026

Rate History
No change since Oct 26, 2026 · 4.13% APY · checked 2 times
3.63%4.13%4.63%Oct 26, 2026: 4.13% APYOct 26, 2026Oct 31, 2026
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
12 Month Certificate
$3,000
4.11% ▲ 0.98% above Michigan avg
View
▼
RateN/A
Min Deposit$3,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.13%▲ 0.98% above avgNationally 3.01%
Details

Certificate Rates - Effective Thursday, October 29, 2026

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.11% ▲ 0.56 pts · high 4.11% / low 3.55%
2.99%3.83%4.67%Sep 14, 2026: 3.55% APYOct 26, 2026: 4.11% APYSep 14, 2026Oct 31, 2026
  • Oct 26, 20264.11%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
12 Month Promo CD Special
$0
4.10% ▲ 0.97% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average3.13%▲ 0.97% above avgNationally 3.01%
Details

Open in Minutes; Rates may vary by zip code

Rate History
No change since Oct 22, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 22, 2026: 4.10% APYOct 22, 2026Oct 31, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
12 Month CD - Relationship CD
$2,500
4.10% ▲ 0.97% above Michigan avg
View
▼
Rate4.04%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average3.13%▲ 0.97% above avgNationally 3.01%
Details

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

Rate History
No change since Oct 31, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 31, 2026: 4.10% APYOct 31, 2026Oct 31, 2026
First State Bank (MI)
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
Jumbo CD - 1 Year
$0
4.10% ▲ 0.97% above Michigan avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average3.13%▲ 0.97% above avgNationally 3.01%
Details

Rates current as of October 20, 2026

Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 31, 2026
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
12 Month IRA Certificate
$0
4.10% ▲ 0.97% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average3.13%▲ 0.97% above avgNationally 3.01%
Details

IRA - Individual accounts only

Rate History
No change since Sep 16, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 16, 2026: 4.10% APYSep 16, 2026Oct 31, 2026
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
Certificate - 12 Month Jump
$500
4.10% ▲ 0.97% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average3.13%▲ 0.97% above avgNationally 3.01%
Details

Rate Jump certificate; may opt into a new rate once per term if rates increase within the certificate's term

Rate History
1 change since Oct 23, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Oct 23, 2026: 3.85% APYOct 28, 2026: 4.10% APYOct 23, 2026Oct 31, 2026
  • Oct 28, 20264.10%▲ from 3.85%
  • Oct 23, 20263.85%first recorded
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
Certificate - 12 Month Youth Jump
$100
4.10% ▲ 0.97% above Michigan avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average3.13%▲ 0.97% above avgNationally 3.01%
Details

Youth Rate Jump certificate; may opt into a new rate once per term if rates increase within the certificate's term

Rate History
1 change since Oct 23, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Oct 23, 2026: 3.85% APYOct 28, 2026: 4.10% APYOct 23, 2026Oct 31, 2026
  • Oct 28, 20264.10%▲ from 3.85%
  • Oct 23, 20263.85%first recorded
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
12 MONTH CD
$50,000
4.10% ▲ 0.97% above Michigan avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.13%▲ 0.97% above avgNationally 3.01%
Details

Effective Thursday, October 29, 2026

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
3.30%3.95%4.60%Sep 14, 2026: 3.80% APYOct 9, 2026: 4.10% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20264.10%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
12 Month Certificate of Deposit
$0
4.10% ▲ 0.97% above Michigan avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.13%▲ 0.97% above avgNationally 3.01%
Details

APY includes .25% bonus for Meijer Team members, Meijer retirees and current MCU members (effective 10/1/26)

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90%
3.40%4.00%4.60%Sep 14, 2026: 3.90% APYOct 9, 2026: 4.10% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20264.10%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Wolverine State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
1 Year Certificate
$500
4.08% ▲ 0.95% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.13%▲ 0.95% above avgNationally 3.01%
Details

Certificate Rates - Effective 10/29/2026

Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 9 times
3.58%4.08%4.58%Sep 14, 2026: 4.08% APYSep 14, 2026Oct 31, 2026
Wolverine State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
1 Year IRA Certificate
$500
4.08% ▲ 0.95% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.13%▲ 0.95% above avgNationally 3.01%
Details

Certificate Rates - Effective 10/29/2026

Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 9 times
3.58%4.08%4.58%Sep 14, 2026: 4.08% APYSep 14, 2026Oct 31, 2026
Michigan Columbus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12 Month CD
$0
4.07% ▲ 0.94% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average3.13%▲ 0.94% above avgNationally 3.01%
Details

Homepage rate guide

Rate History
No change since Oct 4, 2026 · 4.07% APY · checked 6 times
3.57%4.07%4.57%Oct 4, 2026: 4.07% APYOct 4, 2026Oct 31, 2026
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
12 Month Certificate
$500
4.07% ▲ 0.94% above Michigan avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.13%▲ 0.94% above avgNationally 3.01%
Details

Rate History
1 change since Sep 14, 2026 · 3.76% → 4.07% ▲ 0.31 pts · high 4.07% / low 3.76%
3.26%3.92%4.57%Sep 14, 2026: 3.76% APYOct 9, 2026: 4.07% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20264.07%▲ from 3.76%
  • Sep 14, 20263.76%first recorded

Croswell 18 Month CD Rates

Michigan 18 Month CD Average3.07% APYNational 2.91%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
5200 Peck Rd, Croswell, MI 48422 1462
IRA Share Certificates of Deposit - 1.5 year
$0
3.60% ▲ 0.53% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.07%▲ 0.53% above avgNationally 2.91%
Details

Early withdrawal penalty: 90 days interest for terms of 12 months or less, 180 days interest for terms greater than 1 year

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 31, 2026
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
5200 Peck Rd, Croswell, MI 48422 1462
Share Certificate of Deposit - 1.5 year
$0
3.60% ▲ 0.53% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.07%▲ 0.53% above avgNationally 2.91%
Details

Early withdrawal penalty: 90 days interest for terms of 12 months or less, 180 days interest for terms greater than 1 year

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 31, 2026
Eastern Michigan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
65 N Howard Ave, Croswell, MI 48422
18-month CD
$500
0.50% ▼ 2.57% below Michigan avg
View
▼
Rate0.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Michigan Average3.07%▼ 2.57% below avgNationally 2.91%
Details

APY when interest is added back each month

Rate History
No change since Oct 22, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Oct 22, 2026: 0.50% APYOct 22, 2026Oct 31, 2026
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
18-Month Special - Military
$0
5.25% ▲ 2.18% above Michigan avg
View
▼
Rate5.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.07%▲ 2.18% above avgNationally 2.91%
Details

Military rate. Qualified Military Members receive a 1% rate increase on all CDs (excluding iSave); requires full direct deposit of at least $2,000 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 6 times
4.75%5.25%5.75%Oct 9, 2026: 5.25% APYOct 9, 2026Oct 31, 2026
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
18 Month Certificate
$0
4.50% ▲ 1.43% above Michigan avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.07%▲ 1.43% above avgNationally 2.91%
Details

Rate History
No change since Oct 26, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 26, 2026: 4.50% APYOct 26, 2026Oct 31, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
18-month CD
$1,000
4.45% ▲ 1.38% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average3.07%▲ 1.38% above avgNationally 2.91%
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 31, 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%
18 Month Certificate of Deposit
$0
4.40% ▲ 1.33% above Michigan avg
View
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average3.07%▲ 1.33% above avgNationally 2.91%
Details

Requires $1,000 minimum balance to obtain the APY; APY assumes principal and interest remain on deposit until maturity

Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Oct 14, 2026: 4.40% APYOct 14, 2026Oct 31, 2026
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Time Certificate of Deposit - 18 Month
$0
4.40% ▲ 1.33% above Michigan avg
View
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average3.07%▲ 1.33% above avgNationally 2.91%
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 31, 2026
  • Oct 14, 20264.40%▲ from 4.30%
  • Oct 7, 20264.30%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
18 Month CD - Relationship CD
$2,500
4.40% ▲ 1.33% above Michigan avg
View
▼
Rate4.33%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average3.07%▲ 1.33% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 31, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 31, 2026: 4.40% APYOct 31, 2026Oct 31, 2026
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
Certificate - 18 Months
$500
4.35% ▲ 1.28% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average3.07%▲ 1.28% above avgNationally 2.91%
Details

Rate History
1 change since Oct 23, 2026 · 4.10% → 4.35% ▲ 0.25 pts · high 4.35% / low 4.10%
3.60%4.23%4.85%Oct 23, 2026: 4.10% APYOct 28, 2026: 4.35% APYOct 23, 2026Oct 31, 2026
  • Oct 28, 20264.35%▲ from 4.10%
  • Oct 23, 20264.10%first recorded
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
18 Month Share Certificate
$0
4.29% ▲ 1.22% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average3.07%▲ 1.22% above avgNationally 2.91%
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 3 times
3.79%4.29%4.79%Oct 8, 2026: 4.29% APYOct 8, 2026Oct 31, 2026
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Special Share Certificates - 18 Month
$0
4.29% ▲ 1.22% above Michigan avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average3.07%▲ 1.22% above avgNationally 2.91%
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 3 times
3.79%4.29%4.79%Oct 15, 2026: 4.29% APYOct 15, 2026Oct 31, 2026
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
18 Month Certificate Special
$0
4.25% ▲ 1.18% above Michigan avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.07%▲ 1.18% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 19, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 19, 2026: 4.25% APYOct 19, 2026Oct 31, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
18-Month CD
$500
4.25% ▲ 1.18% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average3.07%▲ 1.18% above avgNationally 2.91%
Details

Balanced growth CD; $500 minimum opening deposit; maximum deposit $10 million; not available for public units or Business CDs

Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 31, 2026
DOW Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Simple CD - 18 Months
$500
4.25% ▲ 1.18% above Michigan avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average3.07%▲ 1.18% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 31, 2026
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
18 Month Promo CD Special
$0
4.15% ▲ 1.08% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average3.07%▲ 1.08% above avgNationally 2.91%
Details

Open in Minutes

Rate History
No change since Oct 22, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Oct 22, 2026: 4.15% APYOct 22, 2026Oct 31, 2026
Southern Michigan Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
18 Month CD - With Early Withdrawal Penalty
$500
4.15% ▲ 1.08% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average3.07%▲ 1.08% above avgNationally 2.91%
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 · checked 4 times
3.65%4.15%4.65%Oct 22, 2026: 4.15% APYOct 22, 2026Oct 31, 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% ▲ 1.08% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.07%▲ 1.08% above avgNationally 2.91%
Details

Valid thru 11/01/2026

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 31, 2026
  • Sep 25, 20264.15%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Arbor Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.10%
Certificate of Deposit (CD) - 18 Month CD Special
$0
4.15% ▲ 1.08% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.07%▲ 1.08% above avgNationally 2.91%
Details

Balance: $500 - $29,999.99

Rate History
No change since Oct 26, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 26, 2026: 4.15% APYOct 26, 2026Oct 31, 2026
Arbor Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.10%
Traditional, Roth, & IRA - 18 Month Special
$0
4.15% ▲ 1.08% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.07%▲ 1.08% above avgNationally 2.91%
Details

Balance: $500 - $29,999.99

Rate History
No change since Oct 26, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 26, 2026: 4.15% APYOct 26, 2026Oct 31, 2026
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
18 Month Certificate of Deposit
$1,000
4.15% ▲ 1.08% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.07%▲ 1.08% above avgNationally 2.91%
Details

Rate History
1 change since Sep 22, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 22, 2026: 3.75% APYOct 9, 2026: 4.15% APYSep 22, 2026Oct 31, 2026
  • Oct 9, 20264.15%▲ from 3.75%
  • Sep 22, 20263.75%first recorded
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Certificates - 18 Months
$1,000
4.15% ▲ 1.08% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.07%▲ 1.08% above avgNationally 2.91%
Details

Dividends are paid monthly

Rate History
No change since Oct 13, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Oct 13, 2026: 4.15% APYOct 13, 2026Oct 31, 2026
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
18 Month Certificate
$3,000
4.11% ▲ 1.04% above Michigan avg
View
▼
RateN/A
Min Deposit$3,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.07%▲ 1.04% above avgNationally 2.91%
Details

Certificate Rates - Effective Thursday, October 29, 2026

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.11% ▲ 0.56 pts · high 4.11% / low 3.55%
2.99%3.83%4.67%Sep 14, 2026: 3.55% APYOct 26, 2026: 4.11% APYSep 14, 2026Oct 31, 2026
  • Oct 26, 20264.11%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
18 Month CD
$2,500
4.10% ▲ 1.03% above Michigan avg
View
▼
Rate4.04%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average3.07%▲ 1.03% above avgNationally 2.91%
Details

Minimum $2500 to open

Rate History
1 change since Oct 14, 2026 · 3.95% → 4.10% ▲ 0.15 pts · high 4.10% / low 3.95%
3.45%4.03%4.60%Oct 14, 2026: 3.95% APYOct 31, 2026: 4.10% APYOct 14, 2026Oct 31, 2026
  • Oct 31, 20264.10%▲ from 3.95%
  • Oct 14, 20263.95%first recorded
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
18 Month IRA Certificate
$0
4.10% ▲ 1.03% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average3.07%▲ 1.03% above avgNationally 2.91%
Details

IRA - Individual accounts only

Rate History
No change since Sep 16, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 16, 2026: 4.10% APYSep 16, 2026Oct 31, 2026
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
Certificate - 18 Month Jump Rate Certificate
$500
4.10% ▲ 1.03% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average3.07%▲ 1.03% above avgNationally 2.91%
Details

Rate Jump certificate; may opt into a new rate once per term if rates increase within the certificate's term

Rate History
1 change since Oct 23, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Oct 23, 2026: 3.85% APYOct 28, 2026: 4.10% APYOct 23, 2026Oct 31, 2026
  • Oct 28, 20264.10%▲ from 3.85%
  • Oct 23, 20263.85%first recorded
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
Share Certificate - 18 Months
$1,000
4.10% ▲ 1.03% above Michigan avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average3.07%▲ 1.03% above avgNationally 2.91%
Details

*APR = Annual Percentage Rate; **APY = Annual Percentage Yield

Rate History
No change since Oct 23, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 23, 2026: 4.10% APYOct 23, 2026Oct 31, 2026
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
18 Month Certificate
$500
4.07% ▲ 1.00% above Michigan avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.07%▲ 1.00% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
3.37%3.97%4.57%Sep 14, 2026: 3.87% APYOct 9, 2026: 4.07% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20264.07%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo and Jumbo IRA Certificates - 18 Months
$0
4.01% ▲ 0.94% above Michigan avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average3.07%▲ 0.94% above avgNationally 2.91%
Details

Balance: $100,000 and over; Penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 4 times
3.51%4.01%4.51%Sep 14, 2026: 4.01% APYSep 14, 2026Oct 31, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo Certificate - 18 Months
$100,000
4.01% ▲ 0.94% above Michigan avg
View
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average3.07%▲ 0.94% above avgNationally 2.91%
Details

Minimum balance $100,000 to open and earn APY; penalty for early withdrawal

Rate History
No change since Oct 19, 2026 · 4.01% APY · checked 3 times
3.51%4.01%4.51%Oct 19, 2026: 4.01% APYOct 19, 2026Oct 31, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
18 Month Certificate or IRA-HSA
$0
4.00% ▲ 0.93% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.07%▲ 0.93% above avgNationally 2.91%
Details

Valid thru 11/01/2026

Rate History
1 change since Sep 18, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
3.20%3.85%4.50%Sep 18, 2026: 3.70% APYSep 25, 2026: 4.00% APYSep 18, 2026Oct 31, 2026
  • Sep 25, 20264.00%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Dearborn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
18 Month Variable Rate IRA
$100
3.96% ▲ 0.89% above Michigan avg
View
▼
Rate3.89%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Michigan Average3.07%▲ 0.89% above avgNationally 2.91%
Details

IRA; Daily Balance: $100; The interest rate and APY may change after account opening

Rate History
1 change since Sep 14, 2026 · 3.79% → 3.96% ▲ 0.17 pts · high 3.96% / low 3.79%
3.29%3.88%4.46%Sep 14, 2026: 3.79% APYOct 3, 2026: 3.96% APYSep 14, 2026Oct 31, 2026
  • Oct 3, 20263.96%▲ from 3.79%
  • Sep 14, 20263.79%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
18 Month Term Certificate
$500
3.96% ▲ 0.89% above Michigan avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average3.07%▲ 0.89% above avgNationally 2.91%
Details

Penalty for early withdrawal

Rate History
No change since Oct 19, 2026 · 3.96% APY · checked 3 times
3.46%3.96%4.46%Oct 19, 2026: 3.96% APYOct 19, 2026Oct 31, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
IRA Certificate - 18 Months
$500
3.96% ▲ 0.89% above Michigan avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average3.07%▲ 0.89% above avgNationally 2.91%
Details

$500 minimum balance to open and earn APY; Penalty for early withdrawal; Source caption reads IRA Certificates but rows sit under Term Certificates $500 and Above heading

Rate History
No change since Oct 19, 2026 · 3.96% APY · checked 2 times
3.46%3.96%4.46%Oct 19, 2026: 3.96% APYOct 19, 2026Oct 31, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Term Certificate - 18 Months
$500
3.96% ▲ 0.89% above Michigan avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average3.07%▲ 0.89% above avgNationally 2.91%
Details

Term Certificates $500 and Above; Penalty for early withdrawal

Rate History
No change since Oct 19, 2026 · 3.96% APY · checked 2 times
3.46%3.96%4.46%Oct 19, 2026: 3.96% APYOct 19, 2026Oct 31, 2026
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
18 Month CD
$500
3.95% ▲ 0.88% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average3.07%▲ 0.88% above avgNationally 2.91%
Details

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

Rate History
1 change since Sep 19, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75%
3.25%3.85%4.45%Sep 19, 2026: 3.75% APYOct 14, 2026: 3.95% APYSep 19, 2026Oct 31, 2026
  • Oct 14, 20263.95%▲ from 3.75%
  • Sep 19, 20263.75%first recorded
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
18-Month Certificate
$0
3.95% ▲ 0.88% above Michigan avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average3.07%▲ 0.88% above avgNationally 2.91%
Details

Rate History
2 changes since Sep 18, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
3.20%3.83%4.45%Sep 18, 2026: 3.70% APYSep 27, 2026: 3.80% APYOct 30, 2026: 3.95% APYSep 18, 2026Oct 31, 2026
  • Oct 30, 20263.95%▲ from 3.80%
  • Sep 27, 20263.80%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
18 Month CD
$10,000
3.91% ▲ 0.84% above Michigan avg
View
▼
Rate3.85%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.07%▲ 0.84% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.91% APY · checked 9 times
3.41%3.91%4.41%Sep 14, 2026: 3.91% APYSep 14, 2026Oct 31, 2026
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
18 Month IRA CD
$4,000
3.91% ▲ 0.84% above Michigan avg
View
▼
Rate3.85%
Min Deposit$4,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.07%▲ 0.84% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.91% APY · checked 9 times
3.41%3.91%4.41%Sep 14, 2026: 3.91% APYSep 14, 2026Oct 31, 2026
Southern Michigan Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
18 Month CD - No Early Withdrawal Penalty
$500
3.90% ▲ 0.83% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average3.07%▲ 0.83% above avgNationally 2.91%
Details

No early withdrawal penalty during initial term; 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 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Oct 22, 2026: 3.90% APYOct 22, 2026Oct 31, 2026
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
Business 31 Certificate of Deposit - 18 month
$0
3.85% ▲ 0.78% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average3.07%▲ 0.78% above avgNationally 2.91%
Details

Minimum $500 balance to earn dividend. Penalty for early withdrawal.

Rate History
No change since Oct 23, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 23, 2026: 3.85% APYOct 23, 2026Oct 31, 2026
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Compounding Certificate - 18 Month
$0
3.85% ▲ 0.78% above Michigan avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.07%▲ 0.78% above avgNationally 2.91%
Details

Balance: $500.00; Dividends paid and compounded quarterly

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 10 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 31, 2026
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Business Certificate of Deposit - 18 Months
$2,500
3.85% ▲ 0.78% above Michigan avg
View
▼
Rate3.80%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.07%▲ 0.78% above avgNationally 2.91%
Details

APY interest paid & compounded quarterly; Annual Interest Rate 3.80%

Rate History
No change since Oct 26, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 26, 2026: 3.85% APYOct 26, 2026Oct 31, 2026
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
18 Month CD
$500
3.85% ▲ 0.78% above Michigan avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.07%▲ 0.78% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 9 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 31, 2026
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
18 Month IRA CD
$500
3.85% ▲ 0.78% above Michigan avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.07%▲ 0.78% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 9 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 31, 2026
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
18 Month Certificate
$500
3.80% ▲ 0.73% above Michigan avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average3.07%▲ 0.73% above avgNationally 2.91%
Details

Interest compounded and credited quarterly

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 10 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 31, 2026
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
18 Month Youth Certificate
$100
3.80% ▲ 0.73% above Michigan avg
View
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average3.07%▲ 0.73% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 20, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 20, 2026: 3.80% APYOct 20, 2026Oct 31, 2026
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Non-Compounding Certificate - 18 Month
$0
3.80% ▲ 0.73% above Michigan avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.07%▲ 0.73% above avgNationally 2.91%
Details

Dividends do not compound; We may impose a penalty if you withdraw funds before the maturity date.

Rate History
No change since Oct 15, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 15, 2026: 3.80% APYOct 15, 2026Oct 31, 2026
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Business Certificate of Deposit - 18 Months
$2,500
3.80% ▲ 0.73% above Michigan avg
View
▼
Rate3.80%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.07%▲ 0.73% above avgNationally 2.91%
Details

APY interest paid monthly; Annual Interest Rate 3.80%

Rate History
No change since Oct 26, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 26, 2026: 3.80% APYOct 26, 2026Oct 31, 2026
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Certificate of Deposit - 18 Months
$500
3.80% ▲ 0.73% above Michigan avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.07%▲ 0.73% above avgNationally 2.91%
Details

Type: Regular & IRA; APY (interest paid at maturity): N/A; APY (interest paid monthly): 3.80%; APY (interest paid quarterly): 3.80%; APY (interest paid & compounded quarterly): 3.85%

Rate History
No change since Oct 19, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 19, 2026: 3.80% APYOct 19, 2026Oct 31, 2026

Croswell 24 Month CD Rates

Michigan 24 Month CD Average2.99% APYNational 2.91%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
5200 Peck Rd, Croswell, MI 48422 1462
IRA Share Certificates of Deposit - 2 year
$0
3.45% ▲ 0.46% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.99%▲ 0.46% above avgNationally 2.91%
Details

Early withdrawal penalty: 90 days interest for terms of 12 months or less, 180 days interest for terms greater than 1 year

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 4 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 31, 2026
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
5200 Peck Rd, Croswell, MI 48422 1462
Share Certificate of Deposit - 2 year
$0
3.45% ▲ 0.46% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.99%▲ 0.46% above avgNationally 2.91%
Details

Early withdrawal penalty: 90 days interest for terms of 12 months or less, 180 days interest for terms greater than 1 year

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 3 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 31, 2026
Eastern Michigan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
65 N Howard Ave, Croswell, MI 48422
Advantage 50 24-month CD
$2,500
0.85% ▼ 2.14% below Michigan avg
View
▼
Rate0.85%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Michigan Average2.99%▼ 2.14% below avgNationally 2.91%
Details

APY when interest is added back each month

Rate History
No change since Oct 22, 2026 · 0.85% APY · checked 3 times
0.35%0.85%1.35%Oct 22, 2026: 0.85% APYOct 22, 2026Oct 31, 2026
Eastern Michigan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
65 N Howard Ave, Croswell, MI 48422
24-month CD/IRA
$500
0.75% ▼ 2.24% below Michigan avg
View
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Michigan Average2.99%▼ 2.24% below avgNationally 2.91%
Details

APY when interest is added back each month

Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 3 times
0.25%0.75%1.25%Oct 22, 2026: 0.75% APYOct 22, 2026Oct 31, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
24 Month CD - Relationship CD
$2,500
4.50% ▲ 1.51% above Michigan avg
View
▼
Rate4.43%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.99%▲ 1.51% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 31, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 31, 2026: 4.50% APYOct 31, 2026Oct 31, 2026
Lake Huron Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate of Deposit - 24 Months
$0
4.50% ▲ 1.51% above Michigan avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.99%▲ 1.51% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.50% ▲ 0.94 pts · high 4.50% / low 3.56%
2.62%4.03%5.44%Sep 14, 2026: 3.56% APYSep 29, 2026: 4.50% APYSep 14, 2026Oct 31, 2026
  • Sep 29, 20264.50%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
24 Month Certificate
$0
4.50% ▲ 1.51% above Michigan avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.99%▲ 1.51% above avgNationally 2.91%
Details

Rate History
No change since Oct 26, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 26, 2026: 4.50% APYOct 26, 2026Oct 31, 2026
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
24 Month Share Certificate
$0
4.45% ▲ 1.46% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average2.99%▲ 1.46% above avgNationally 2.91%
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 3 times
3.95%4.45%4.95%Oct 8, 2026: 4.45% APYOct 8, 2026Oct 31, 2026
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Special Share Certificates - 24 Month
$0
4.45% ▲ 1.46% above Michigan avg
View
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average2.99%▲ 1.46% above avgNationally 2.91%
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 3 times
3.95%4.45%4.95%Oct 15, 2026: 4.45% APYOct 15, 2026Oct 31, 2026
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
24 Month Certificate of Deposit
$0
4.40% ▲ 1.41% above Michigan avg
View
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.99%▲ 1.41% above avgNationally 2.91%
Details

Requires $1,000 minimum balance to obtain the APY; APY assumes principal and interest remain on deposit until maturity

Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Oct 14, 2026: 4.40% APYOct 14, 2026Oct 31, 2026
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Time Certificate of Deposit - 24 Month
$0
4.40% ▲ 1.41% above Michigan avg
View
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.99%▲ 1.41% above avgNationally 2.91%
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 31, 2026
  • Oct 14, 20264.40%▲ from 4.30%
  • Oct 7, 20264.30%first recorded
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
Certificate - 24 Months
$500
4.40% ▲ 1.41% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average2.99%▲ 1.41% above avgNationally 2.91%
Details

Rate History
1 change since Oct 23, 2026 · 4.10% → 4.40% ▲ 0.30 pts · high 4.40% / low 4.10%
3.60%4.25%4.90%Oct 23, 2026: 4.10% APYOct 28, 2026: 4.40% APYOct 23, 2026Oct 31, 2026
  • Oct 28, 20264.40%▲ from 4.10%
  • Oct 23, 20264.10%first recorded
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
2 year Business Share Certificates
$0
4.40% ▲ 1.41% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.99%▲ 1.41% above avgNationally 2.91%
Details

Balance: $1,000 to $24,999

Rate History
No change since Oct 13, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Oct 13, 2026: 4.40% APYOct 13, 2026Oct 31, 2026
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
2 Year Share Certificates
$0
4.40% ▲ 1.41% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.99%▲ 1.41% above avgNationally 2.91%
Details

Balance: $1,000 to $24,999

Rate History
No change since Oct 13, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Oct 13, 2026: 4.40% APYOct 13, 2026Oct 31, 2026
DOW Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Simple CD - 24 Months
$500
4.40% ▲ 1.41% above Michigan avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average2.99%▲ 1.41% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Oct 14, 2026: 4.40% APYOct 14, 2026Oct 31, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
24-month CD
$1,000
4.35% ▲ 1.36% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.99%▲ 1.36% above avgNationally 2.91%
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 31, 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%
Platinum Member Special Certificate - 24 Month
$1,000
4.32% ▲ 1.33% above Michigan avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.99%▲ 1.33% above avgNationally 2.91%
Details

Platinum Membership rate; requires 3 of 4 services: Checking, Debit Card, Online Banking, Direct Deposit; 365 day penalty for early withdrawal; APYs as of 10/28/2026

Rate History
No change since Oct 26, 2026 · 4.32% APY · checked 2 times
3.82%4.32%4.82%Oct 26, 2026: 4.32% APYOct 26, 2026Oct 31, 2026
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Platinum Member Special IRA Certificate - 24 Month
$1,000
4.32% ▲ 1.33% above Michigan avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.99%▲ 1.33% above avgNationally 2.91%
Details

Platinum Membership IRA rate; requires 3 of 4 services: Checking, Debit Card, Online Banking, Direct Deposit; 365 day penalty for early withdrawal; APYs as of 10/28/2026

Rate History
No change since Oct 26, 2026 · 4.32% APY · checked 2 times
3.82%4.32%4.82%Oct 26, 2026: 4.32% APYOct 26, 2026Oct 31, 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% ▲ 1.31% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.99%▲ 1.31% above avgNationally 2.91%
Details

Valid thru 11/01/2026

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 31, 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% ▲ 1.28% above Michigan avg
View
▼
Rate4.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average2.99%▲ 1.28% above avgNationally 2.91%
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
No change since Oct 23, 2026 · 4.27% APY · checked 2 times
3.77%4.27%4.77%Oct 23, 2026: 4.27% APYOct 23, 2026Oct 31, 2026
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
24 Month CD/IRA Special
$0
4.25% ▲ 1.26% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.99%▲ 1.26% above avgNationally 2.91%
Details

24-month CD/IRA Promotional Rate; APY effective 9/24/2026 for a limited time; Rates may vary by zip code

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 31, 2026
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
24 Month Promo CD Special
$0
4.25% ▲ 1.26% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.99%▲ 1.26% above avgNationally 2.91%
Details

APY effective 9/24/2026 for a limited time; Rates may vary by zip code; Open in Minutes

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 31, 2026
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
24 Month Certificate of Deposit
$0
4.25% ▲ 1.26% above Michigan avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.99%▲ 1.26% above avgNationally 2.91%
Details

APY includes .25% bonus for Meijer Team members, Meijer retirees and current MCU members (effective 10/1/26)

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 14, 2026: 3.90% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20264.25%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
24-Month CD
$500
4.25% ▲ 1.26% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average2.99%▲ 1.26% above avgNationally 2.91%
Details

Long-term security CD; $500 minimum opening deposit; maximum deposit $10 million; not available for public units or Business CDs

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 31, 2026
  • Oct 10, 20264.25%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
24 Month Certificate
$3,000
4.22% ▲ 1.23% above Michigan avg
View
▼
RateN/A
Min Deposit$3,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.99%▲ 1.23% above avgNationally 2.91%
Details

Certificate Rates - Effective Thursday, October 29, 2026

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.22% ▲ 0.67 pts · high 4.22% / low 3.55%
2.88%3.89%4.89%Sep 14, 2026: 3.55% APYOct 26, 2026: 4.22% APYSep 14, 2026Oct 31, 2026
  • Oct 26, 20264.22%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
24 Month CD
$2,500
4.20% ▲ 1.21% above Michigan avg
View
▼
Rate4.14%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.99%▲ 1.21% above avgNationally 2.91%
Details

Minimum $2500 to open

Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 14, 2026: 4.20% APYOct 14, 2026Oct 31, 2026
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
Timed Certificate - 24 Months
$1,000
4.18% ▲ 1.19% above Michigan avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.99%▲ 1.19% above avgNationally 2.91%
Details

Timed Certificates; Effective October 07, 2026

Rate History
No change since Oct 26, 2026 · 4.18% APY · checked 2 times
3.68%4.18%4.68%Oct 26, 2026: 4.18% APYOct 26, 2026Oct 31, 2026
Extra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
Fixed-Rate Certificate - 24 Months
$0
4.16% ▲ 1.17% above Michigan avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.99%▲ 1.17% above avgNationally 2.91%
Details

Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal. Auto-renewing accounts have a grace period of ten (10) days after maturity to withdraw without penalty.

Rate History
No change since Oct 19, 2026 · 4.16% APY · checked 3 times
3.66%4.16%4.66%Oct 19, 2026: 4.16% APYOct 19, 2026Oct 31, 2026
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
24 Month Certificate
$1,000
4.16% ▲ 1.17% above Michigan avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.99%▲ 1.17% above avgNationally 2.91%
Details

$1,000 minimum deposit to open and earn the stated APY; 365 day penalty for early withdrawal

Rate History
2 changes since Sep 18, 2026 · 3.80% → 4.16% ▲ 0.36 pts · high 4.32% / low 3.80%
3.28%4.06%4.84%Sep 18, 2026: 3.80% APYSep 29, 2026: 4.32% APYOct 9, 2026: 4.16% APYSep 18, 2026Oct 31, 2026
  • Oct 9, 20264.16%▼ from 4.32%
  • Sep 29, 20264.32%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
IRA 24 Month Certificate
$1,000
4.16% ▲ 1.17% above Michigan avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.99%▲ 1.17% above avgNationally 2.91%
Details

$1,000 minimum deposit to open and earn the stated APY; 365 day penalty for early withdrawal

Rate History
2 changes since Sep 14, 2026 · 3.80% → 4.16% ▲ 0.36 pts · high 4.32% / low 3.80%
3.28%4.06%4.84%Sep 14, 2026: 3.80% APYSep 29, 2026: 4.32% APYOct 19, 2026: 4.16% APYSep 14, 2026Oct 31, 2026
  • Oct 19, 20264.16%▼ from 4.32%
  • Sep 29, 20264.32%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Huron Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.41%
24 Month Certificate of Deposit
$1,000
4.15% ▲ 1.16% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.99%▲ 1.16% above avgNationally 2.91%
Details

Special offer; Minimum opening deposit of $1,000 to earn the advertised APY; APY accurate as of 10/26/2026; Limited time offer, subject to change without notice; Penalty for early withdrawal

Rate History
No change since Oct 31, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 31, 2026: 4.15% APYOct 31, 2026Oct 31, 2026
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
Certificate - 24 Month Jump Rate Certificate
$500
4.15% ▲ 1.16% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average2.99%▲ 1.16% above avgNationally 2.91%
Details

Rate Jump certificate; may opt into a new rate once per term if rates increase within the certificate's term

Rate History
1 change since Oct 23, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85%
3.35%4.00%4.65%Oct 23, 2026: 3.85% APYOct 28, 2026: 4.15% APYOct 23, 2026Oct 31, 2026
  • Oct 28, 20264.15%▲ from 3.85%
  • Oct 23, 20263.85%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2-Year Certificate or IRA-HSA
$0
4.15% ▲ 1.16% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.99%▲ 1.16% above avgNationally 2.91%
Details

Valid thru 11/01/2026

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 18, 2026: 4.00% APYSep 25, 2026: 4.15% APYSep 18, 2026Oct 31, 2026
  • Sep 25, 20264.15%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
24 MONTH CD
$50,000
4.15% ▲ 1.16% above Michigan avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.99%▲ 1.16% above avgNationally 2.91%
Details

Effective Thursday, October 29, 2026

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85%
3.35%4.00%4.65%Sep 14, 2026: 3.85% APYOct 9, 2026: 4.15% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20264.15%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
24 Month Certificate of Deposit
$1,000
4.15% ▲ 1.16% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.99%▲ 1.16% above avgNationally 2.91%
Details

Rate History
1 change since Sep 22, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 22, 2026: 4.00% APYOct 9, 2026: 4.15% APYSep 22, 2026Oct 31, 2026
  • Oct 9, 20264.15%▲ from 4.00%
  • Sep 22, 20264.00%first recorded
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Certificates - 24 Months
$1,000
4.15% ▲ 1.16% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.99%▲ 1.16% above avgNationally 2.91%
Details

Dividends are paid monthly

Rate History
No change since Oct 13, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Oct 13, 2026: 4.15% APYOct 13, 2026Oct 31, 2026
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
24 Month Certificate
$500
4.13% ▲ 1.14% above Michigan avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.99%▲ 1.14% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
3.37%4.00%4.63%Sep 14, 2026: 3.87% APYOct 9, 2026: 4.13% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20264.13%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
24 Month Youth Certificate
$100
4.13% ▲ 1.14% above Michigan avg
View
▼
Rate4.05%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.99%▲ 1.14% above avgNationally 2.91%
Details

Must be under 18 years of age; $100 initial deposit

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
3.37%4.00%4.63%Sep 14, 2026: 3.87% APYOct 9, 2026: 4.13% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20264.13%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
24 Month IRA Certificate
$0
4.10% ▲ 1.11% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average2.99%▲ 1.11% above avgNationally 2.91%
Details

IRA - Individual accounts only

Rate History
No change since Sep 16, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 16, 2026: 4.10% APYSep 16, 2026Oct 31, 2026
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
IRA & Share Certificate 2 Year
$500
4.06% ▲ 1.07% above Michigan avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average2.99%▲ 1.07% above avgNationally 2.91%
Details

Rates effective 09/01/2025

Rate History
No change since Oct 12, 2026 · 4.06% APY · checked 3 times
3.56%4.06%4.56%Oct 12, 2026: 4.06% APYOct 12, 2026Oct 31, 2026
UP State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
2 Year Certificate of Deposit
$1,000
4.06% ▲ 1.07% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.99%▲ 1.07% above avgNationally 2.91%
Details

Rate History
No change since Oct 22, 2026 · 4.06% APY · checked 3 times
3.56%4.06%4.56%Oct 22, 2026: 4.06% APYOct 22, 2026Oct 31, 2026
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
24 MONTH CD
$500
4.05% ▲ 1.06% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.99%▲ 1.06% above avgNationally 2.91%
Details

Effective Thursday, October 29, 2026

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85%
3.35%3.95%4.55%Sep 14, 2026: 3.85% APYOct 9, 2026: 4.05% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20264.05%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
ADD ON 24 MO CERT
$100
4.05% ▲ 1.06% above Michigan avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.99%▲ 1.06% above avgNationally 2.91%
Details

Effective Thursday, October 29, 2026

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
3.25%3.90%4.55%Sep 14, 2026: 3.75% APYOct 9, 2026: 4.05% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20264.05%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo and Jumbo IRA Certificates - 2 Years
$0
4.04% ▲ 1.05% above Michigan avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average2.99%▲ 1.05% above avgNationally 2.91%
Details

Balance: $100,000 and over; Penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.84% → 4.04% ▲ 0.20 pts · high 4.04% / low 3.84%
3.34%3.94%4.54%Sep 14, 2026: 3.84% APYOct 14, 2026: 4.04% APYSep 14, 2026Oct 31, 2026
  • Oct 14, 20264.04%▲ from 3.84%
  • Sep 14, 20263.84%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo Certificate - 2 Years
$100,000
4.04% ▲ 1.05% above Michigan avg
View
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average2.99%▲ 1.05% above avgNationally 2.91%
Details

Minimum balance $100,000 to open and earn APY; penalty for early withdrawal

Rate History
No change since Oct 19, 2026 · 4.04% APY · checked 3 times
3.54%4.04%4.54%Oct 19, 2026: 4.04% APYOct 19, 2026Oct 31, 2026
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
24 Month CD
$500
4.00% ▲ 1.01% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.99%▲ 1.01% above avgNationally 2.91%
Details

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

Rate History
1 change since Sep 19, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 19, 2026: 3.80% APYOct 14, 2026: 4.00% APYSep 19, 2026Oct 31, 2026
  • Oct 14, 20264.00%▲ from 3.80%
  • Sep 19, 20263.80%first recorded
United Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
CD Special - 24 Month
$500
4.00% ▲ 1.01% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Michigan Average2.99%▲ 1.01% above avgNationally 2.91%
Details

Open at your local branch; APY effective 09/01/2026; $500 minimum opening deposit, up to a maximum of $500,000; penalty for early withdrawal

Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 31, 2026
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
24 Month Youth CD
$250
4.00% ▲ 1.01% above Michigan avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.99%▲ 1.01% above avgNationally 2.91%
Details

Youth CD for members 18 years and under; certificate must be opened under youth's name and SSN; must have the same joint member as the savings account it is tied to

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 31, 2026
Farm Bureau Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
24-Month Certificate
$500
4.00% ▲ 1.01% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.99%▲ 1.01% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.00% ▲ 0.55 pts · high 4.00% / low 3.45%
2.90%3.73%4.55%Sep 14, 2026: 3.45% APYOct 29, 2026: 4.00% APYSep 14, 2026Oct 31, 2026
  • Oct 29, 20264.00%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
24-Month HYRC Certificate
$0
4.00% ▲ 1.01% above Michigan avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average2.99%▲ 1.01% above avgNationally 2.91%
Details

High-Yield Rewards Checking Account required

Rate History
1 change since Sep 18, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Sep 18, 2026: 3.90% APYOct 30, 2026: 4.00% APYSep 18, 2026Oct 31, 2026
  • Oct 30, 20264.00%▲ from 3.90%
  • Sep 18, 20263.90%first recorded

Croswell 36 Month CD Rates

Michigan 36 Month CD Average2.95% APYNational 2.82%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
5200 Peck Rd, Croswell, MI 48422 1462
IRA Share Certificates of Deposit - 3 year
$0
3.55% ▲ 0.60% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.95%▲ 0.60% above avgNationally 2.82%
Details

Early withdrawal penalty: 90 days interest for terms of 12 months or less, 180 days interest for terms greater than 1 year

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 31, 2026
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
5200 Peck Rd, Croswell, MI 48422 1462
Share Certificate of Deposit - 3 year
$0
3.55% ▲ 0.60% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.95%▲ 0.60% above avgNationally 2.82%
Details

Early withdrawal penalty: 90 days interest for terms of 12 months or less, 180 days interest for terms greater than 1 year

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 31, 2026
Eastern Michigan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
65 N Howard Ave, Croswell, MI 48422
Advantage 50 36-month CD
$2,500
1.61% ▼ 1.34% below Michigan avg
View
▼
Rate1.60%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Michigan Average2.95%▼ 1.34% below avgNationally 2.82%
Details

APY when interest is added back each month

Rate History
No change since Oct 22, 2026 · 1.61% APY · checked 3 times
1.11%1.61%2.11%Oct 22, 2026: 1.61% APYOct 22, 2026Oct 31, 2026
Eastern Michigan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
65 N Howard Ave, Croswell, MI 48422
Advantage 50 36-month CD
$2,500
1.60% ▼ 1.35% below Michigan avg
View
▼
Rate1.60%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Michigan Average2.95%▼ 1.35% below avgNationally 2.82%
Details

APY when interest is paid out each month

Rate History
No change since Oct 22, 2026 · 1.60% APY · checked 3 times
1.10%1.60%2.10%Oct 22, 2026: 1.60% APYOct 22, 2026Oct 31, 2026
Eastern Michigan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
65 N Howard Ave, Croswell, MI 48422
36-month CD/IRA
$500
1.51% ▼ 1.44% below Michigan avg
View
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Michigan Average2.95%▼ 1.44% below avgNationally 2.82%
Details

APY when interest is added back each month

Rate History
No change since Oct 22, 2026 · 1.51% APY · checked 3 times
1.01%1.51%2.01%Oct 22, 2026: 1.51% APYOct 22, 2026Oct 31, 2026
Eastern Michigan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
65 N Howard Ave, Croswell, MI 48422
36-month CD/IRA
$500
1.50% ▼ 1.45% below Michigan avg
View
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Michigan Average2.95%▼ 1.45% below avgNationally 2.82%
Details

APY when interest is paid out each month

Rate History
No change since Oct 22, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Oct 22, 2026: 1.50% APYOct 22, 2026Oct 31, 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% ▲ 2.05% above Michigan avg
View
▼
Rate4.89%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.95%▲ 2.05% above avgNationally 2.82%
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 31, 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% ▲ 1.80% above Michigan avg
View
▼
Rate4.65%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.95%▲ 1.80% above avgNationally 2.82%
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 31, 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%
36 Month CD - Relationship CD
$2,500
4.60% ▲ 1.65% above Michigan avg
View
▼
Rate4.52%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.95%▲ 1.65% above avgNationally 2.82%
Details

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

Rate History
No change since Oct 31, 2026 · 4.60% APY
4.10%4.60%5.10%Oct 31, 2026: 4.60% APYOct 31, 2026Oct 31, 2026
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
Certificate - 36 Months
$500
4.60% ▲ 1.65% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average2.95%▲ 1.65% above avgNationally 2.82%
Details

Rate History
1 change since Oct 23, 2026 · 4.30% → 4.60% ▲ 0.30 pts · high 4.60% / low 4.30%
3.80%4.45%5.10%Oct 23, 2026: 4.30% APYOct 28, 2026: 4.60% APYOct 23, 2026Oct 31, 2026
  • Oct 28, 20264.60%▲ from 4.30%
  • Oct 23, 20264.30%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
36 Month Certificate of Deposit
$0
4.50% ▲ 1.55% above Michigan avg
View
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.95%▲ 1.55% above avgNationally 2.82%
Details

Requires $1,000 minimum balance to obtain the APY; APY assumes principal and interest remain on deposit until maturity

Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 14, 2026: 4.50% APYOct 14, 2026Oct 31, 2026
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Time Certificate of Deposit - 36 Month
$0
4.50% ▲ 1.55% above Michigan avg
View
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.95%▲ 1.55% above avgNationally 2.82%
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 31, 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% ▲ 1.55% above Michigan avg
View
▼
Rate4.41%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.95%▲ 1.55% above avgNationally 2.82%
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 31, 2026
  • Sep 24, 20264.50%▲ from 3.45%
  • Sep 8, 20263.45%first recorded
DOW Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Simple CD - 36 Months
$500
4.40% ▲ 1.45% above Michigan avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average2.95%▲ 1.45% above avgNationally 2.82%
Details

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

Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Oct 14, 2026: 4.40% APYOct 14, 2026Oct 31, 2026
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Platinum Member Special Certificate - 36 Month
$1,000
4.37% ▲ 1.42% above Michigan avg
View
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.95%▲ 1.42% above avgNationally 2.82%
Details

Platinum Membership rate; requires 3 of 4 services: Checking, Debit Card, Online Banking, Direct Deposit; 365 day penalty for early withdrawal; APYs as of 10/28/2026

Rate History
No change since Oct 26, 2026 · 4.37% APY · checked 2 times
3.87%4.37%4.87%Oct 26, 2026: 4.37% APYOct 26, 2026Oct 31, 2026
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Platinum Member Special IRA Certificate - 36 Month
$1,000
4.37% ▲ 1.42% above Michigan avg
View
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.95%▲ 1.42% above avgNationally 2.82%
Details

Platinum Membership IRA rate; requires 3 of 4 services: Checking, Debit Card, Online Banking, Direct Deposit; 365 day penalty for early withdrawal; APYs as of 10/28/2026

Rate History
No change since Oct 26, 2026 · 4.37% APY · checked 2 times
3.87%4.37%4.87%Oct 26, 2026: 4.37% APYOct 26, 2026Oct 31, 2026
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
Certificate - 36 Month Jump Rate Certificate
$500
4.35% ▲ 1.40% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average2.95%▲ 1.40% above avgNationally 2.82%
Details

Rate Jump certificate; may opt into a new rate once per term if rates increase within the certificate's term

Rate History
1 change since Oct 23, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05%
3.55%4.20%4.85%Oct 23, 2026: 4.05% APYOct 28, 2026: 4.35% APYOct 23, 2026Oct 31, 2026
  • Oct 28, 20264.35%▲ from 4.05%
  • Oct 23, 20264.05%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
3-Year Certificate or IRA-HSA Jumbo
$0
4.35% ▲ 1.40% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.95%▲ 1.40% above avgNationally 2.82%
Details

Valid thru 11/01/2026

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 31, 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% ▲ 1.37% above Michigan avg
View
▼
Rate4.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average2.95%▲ 1.37% above avgNationally 2.82%
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
No change since Oct 23, 2026 · 4.32% APY · checked 2 times
3.82%4.32%4.82%Oct 23, 2026: 4.32% APYOct 23, 2026Oct 31, 2026
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
36 Month IRA Certificate
$0
4.30% ▲ 1.35% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average2.95%▲ 1.35% above avgNationally 2.82%
Details

IRA - Individual accounts only

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 31, 2026
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
36 Month Certificate
$3,000
4.27% ▲ 1.32% above Michigan avg
View
▼
RateN/A
Min Deposit$3,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.95%▲ 1.32% above avgNationally 2.82%
Details

Certificate Rates - Effective Thursday, October 29, 2026

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.27% ▲ 0.72 pts · high 4.27% / low 3.55%
2.83%3.91%4.99%Sep 14, 2026: 3.55% APYOct 26, 2026: 4.27% APYSep 14, 2026Oct 31, 2026
  • Oct 26, 20264.27%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Extra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
Fixed-Rate Certificate - 36 Months
$0
4.27% ▲ 1.32% above Michigan avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.95%▲ 1.32% above avgNationally 2.82%
Details

Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal. Auto-renewing accounts have a grace period of ten (10) days after maturity to withdraw without penalty.

Rate History
No change since Oct 19, 2026 · 4.27% APY · checked 3 times
3.77%4.27%4.77%Oct 19, 2026: 4.27% APYOct 19, 2026Oct 31, 2026
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
36 Month CD
$500
4.25% ▲ 1.30% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.95%▲ 1.30% above avgNationally 2.82%
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 31, 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% ▲ 1.30% above Michigan avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average2.95%▲ 1.30% above avgNationally 2.82%
Details

Rates effective October 1, 2026

Rate History
No change since Sep 12, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 12, 2026: 4.25% APYSep 12, 2026Oct 31, 2026
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
Timed Certificate - 36 Months
$1,000
4.23% ▲ 1.28% above Michigan avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.95%▲ 1.28% above avgNationally 2.82%
Details

Timed Certificates; Effective October 07, 2026

Rate History
No change since Oct 26, 2026 · 4.23% APY · checked 2 times
3.73%4.23%4.73%Oct 26, 2026: 4.23% APYOct 26, 2026Oct 31, 2026
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
36 Month Certificate
$1,000
4.22% ▲ 1.27% above Michigan avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.95%▲ 1.27% above avgNationally 2.82%
Details

$1,000 minimum deposit to open and earn the stated APY; 365 day penalty for early withdrawal

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 31, 2026
  • Oct 9, 20264.22%▼ from 4.37%
  • Sep 29, 20264.37%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
IRA 36 Month Certificate
$1,000
4.22% ▲ 1.27% above Michigan avg
View
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.95%▲ 1.27% above avgNationally 2.82%
Details

$1,000 minimum deposit to open and earn the stated APY; 365 day penalty for early withdrawal

Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.22% ▲ 0.31 pts · high 4.37% / low 3.91%
3.41%4.14%4.87%Sep 14, 2026: 3.91% APYSep 29, 2026: 4.37% APYOct 19, 2026: 4.22% APYSep 14, 2026Oct 31, 2026
  • Oct 19, 20264.22%▼ from 4.37%
  • Sep 29, 20264.37%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
3-Year Certificate or IRA-HSA
$0
4.20% ▲ 1.25% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.95%▲ 1.25% above avgNationally 2.82%
Details

Valid thru 11/01/2026

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 31, 2026
  • Sep 25, 20264.20%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
36 MONTH CD
$50,000
4.20% ▲ 1.25% above Michigan avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.95%▲ 1.25% above avgNationally 2.82%
Details

Effective Thursday, October 29, 2026

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Sep 14, 2026: 3.90% APYOct 9, 2026: 4.20% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20264.20%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
36 Month Certificate
$500
4.18% ▲ 1.23% above Michigan avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.95%▲ 1.23% above avgNationally 2.82%
Details

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.18% ▲ 0.31 pts · high 4.18% / low 3.87%
3.37%4.03%4.68%Sep 14, 2026: 3.87% APYOct 9, 2026: 4.18% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20264.18%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
36 Month Certificate of Deposit
$1,000
4.15% ▲ 1.20% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.95%▲ 1.20% above avgNationally 2.82%
Details

Rate History
1 change since Sep 22, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 22, 2026: 4.00% APYOct 9, 2026: 4.15% APYSep 22, 2026Oct 31, 2026
  • Oct 9, 20264.15%▲ from 4.00%
  • Sep 22, 20264.00%first recorded
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Certificates - 36 Months
$1,000
4.15% ▲ 1.20% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.95%▲ 1.20% above avgNationally 2.82%
Details

Dividends are paid monthly

Rate History
No change since Oct 13, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Oct 13, 2026: 4.15% APYOct 13, 2026Oct 31, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo and Jumbo IRA Certificates - 3 Years
$0
4.13% ▲ 1.18% above Michigan avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average2.95%▲ 1.18% above avgNationally 2.82%
Details

Balance: $100,000 and over; Penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 4.06% → 4.13% ▲ 0.07 pts · high 4.13% / low 4.06%
3.56%4.10%4.63%Sep 14, 2026: 4.06% APYOct 14, 2026: 4.13% APYSep 14, 2026Oct 31, 2026
  • Oct 14, 20264.13%▲ from 4.06%
  • Sep 14, 20264.06%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo Certificate - 3 Years
$100,000
4.13% ▲ 1.18% above Michigan avg
View
▼
Rate4.07%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average2.95%▲ 1.18% above avgNationally 2.82%
Details

Minimum balance $100,000 to open and earn APY; penalty for early withdrawal

Rate History
No change since Oct 19, 2026 · 4.13% APY · checked 3 times
3.63%4.13%4.63%Oct 19, 2026: 4.13% APYOct 19, 2026Oct 31, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
36 Month CD
$2,500
4.10% ▲ 1.15% above Michigan avg
View
▼
Rate4.04%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average2.95%▲ 1.15% above avgNationally 2.82%
Details

Minimum $2500 to open

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 31, 2026
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
36 MONTH CD
$500
4.10% ▲ 1.15% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.95%▲ 1.15% above avgNationally 2.82%
Details

Effective Thursday, October 29, 2026

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90%
3.40%4.00%4.60%Sep 14, 2026: 3.90% APYOct 9, 2026: 4.10% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20264.10%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3 Year Term Certificate
$500
4.08% ▲ 1.13% above Michigan avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average2.95%▲ 1.13% above avgNationally 2.82%
Details

Penalty for early withdrawal

Rate History
No change since Oct 19, 2026 · 4.08% APY · checked 3 times
3.58%4.08%4.58%Oct 19, 2026: 4.08% APYOct 19, 2026Oct 31, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
IRA Certificate - 3 Years
$500
4.08% ▲ 1.13% above Michigan avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average2.95%▲ 1.13% above avgNationally 2.82%
Details

$500 minimum balance to open and earn APY; Penalty for early withdrawal; Source caption reads IRA Certificates but rows sit under Term Certificates $500 and Above heading

Rate History
No change since Oct 19, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 19, 2026: 4.08% APYOct 19, 2026Oct 31, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Term Certificate - 3 Years
$500
4.08% ▲ 1.13% above Michigan avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average2.95%▲ 1.13% above avgNationally 2.82%
Details

Term Certificates $500 and Above; Penalty for early withdrawal

Rate History
No change since Oct 19, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 19, 2026: 4.08% APYOct 19, 2026Oct 31, 2026
UP State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
3 Year Certificate of Deposit
$1,000
4.06% ▲ 1.11% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.95%▲ 1.11% above avgNationally 2.82%
Details

Rate History
No change since Oct 22, 2026 · 4.06% APY · checked 3 times
3.56%4.06%4.56%Oct 22, 2026: 4.06% APYOct 22, 2026Oct 31, 2026
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3 Year Jumbo Term Share Certificates
$0
4.05% ▲ 1.10% above Michigan avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average2.95%▲ 1.10% above avgNationally 2.82%
Details

Subject to penalty for early withdrawal

Rate History
1 change since Oct 14, 2026 · 3.80% → 4.05% ▲ 0.25 pts · high 4.05% / low 3.80%
3.30%3.93%4.55%Oct 14, 2026: 3.80% APYOct 30, 2026: 4.05% APYOct 14, 2026Oct 31, 2026
  • Oct 30, 20264.05%▲ from 3.80%
  • Oct 14, 20263.80%first recorded
FNB of Wakefield
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
36 Month Certificates of Deposit
$0
4.04% ▲ 1.09% above Michigan avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average2.95%▲ 1.09% above avgNationally 2.82%
Details

Minimum $50,000.00 tier

Rate History
No change since Sep 20, 2026 · 4.04% APY · checked 8 times
3.54%4.04%4.54%Sep 20, 2026: 4.04% APYSep 20, 2026Oct 31, 2026
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
36 Month Share Certificate
$500
4.01% ▲ 1.06% above Michigan avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average2.95%▲ 1.06% above avgNationally 2.82%
Details

Minimum deposit of $500.00; Certificate specials will not renew at end of term; Limited time offer; penalty may be imposed for early withdrawal

Rate History
1 change since Sep 12, 2026 · 3.65% → 4.01% ▲ 0.36 pts · high 4.01% / low 3.65%
3.15%3.83%4.51%Sep 12, 2026: 3.65% APYOct 8, 2026: 4.01% APYSep 12, 2026Oct 31, 2026
  • Oct 8, 20264.01%▲ from 3.65%
  • Sep 12, 20263.65%first recorded
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
36 Month Youth CD
$250
4.00% ▲ 1.05% above Michigan avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.95%▲ 1.05% above avgNationally 2.82%
Details

Youth CD for members 18 years and under; certificate must be opened under youth's name and SSN; must have the same joint member as the savings account it is tied to

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 31, 2026
Farm Bureau Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
36-Month Certificate
$500
4.00% ▲ 1.05% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.95%▲ 1.05% above avgNationally 2.82%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 29, 2026: 4.00% APYSep 14, 2026Oct 31, 2026
  • Oct 29, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Michigan One Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
36 Month Regular CD
$500
3.95% ▲ 1.00% above Michigan avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.95%▲ 1.00% above avgNationally 2.82%
Details

Rate History
No change since Oct 19, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 19, 2026: 3.95% APYOct 19, 2026Oct 31, 2026
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Term Share Certificates - 3 Years
$0
3.95% ▲ 1.00% above Michigan avg
View
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average2.95%▲ 1.00% above avgNationally 2.82%
Details

Rate History
1 change since Oct 19, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
3.20%3.83%4.45%Oct 19, 2026: 3.70% APYOct 30, 2026: 3.95% APYOct 19, 2026Oct 31, 2026
  • Oct 30, 20263.95%▲ from 3.70%
  • Oct 19, 20263.70%first recorded
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
36 month CD
$0
3.90% ▲ 0.95% above Michigan avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.95%▲ 0.95% above avgNationally 2.82%
Details

Effective Date: October 1, 2026; Early withdrawal penalty: 180-days loss of interest

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.90% ▲ 0.60 pts · high 3.90% / low 3.30%
2.70%3.60%4.50%Sep 14, 2026: 3.30% APYOct 19, 2026: 3.90% APYSep 14, 2026Oct 31, 2026
  • Oct 19, 20263.90%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Huron Valley State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.74%
Certificate of Deposit - 3 Year
$0
3.88% ▲ 0.93% above Michigan avg
View
▼
Rate3.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Michigan Average2.95%▲ 0.93% above avgNationally 2.82%
Details

Balance: $500 - $49,999.99

Rate History
No change since Oct 21, 2026 · 3.88% APY · checked 2 times
3.38%3.88%4.38%Oct 21, 2026: 3.88% APYOct 21, 2026Oct 31, 2026
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Business Certificate of Deposit - 36 Months
$2,500
3.85% ▲ 0.90% above Michigan avg
View
▼
Rate3.80%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average2.95%▲ 0.90% above avgNationally 2.82%
Details

APY interest paid & compounded quarterly; Annual Interest Rate 3.80%

Rate History
No change since Oct 26, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 26, 2026: 3.85% APYOct 26, 2026Oct 31, 2026

Croswell 48 Month CD Rates

Michigan 48 Month CD Average3.01% APYNational 2.81%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
5200 Peck Rd, Croswell, MI 48422 1462
IRA Share Certificates of Deposit - 4 year
$0
3.60% ▲ 0.59% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.01%▲ 0.59% above avgNationally 2.81%
Details

Early withdrawal penalty: 90 days interest for terms of 12 months or less, 180 days interest for terms greater than 1 year

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 31, 2026
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
5200 Peck Rd, Croswell, MI 48422 1462
Share Certificate of Deposit - 4 year
$0
3.60% ▲ 0.59% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.01%▲ 0.59% above avgNationally 2.81%
Details

Early withdrawal penalty: 90 days interest for terms of 12 months or less, 180 days interest for terms greater than 1 year

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 31, 2026
Eastern Michigan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
65 N Howard Ave, Croswell, MI 48422
48-month CD/IRA
$500
1.76% ▼ 1.25% below Michigan avg
View
▼
Rate1.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Michigan Average3.01%▼ 1.25% below avgNationally 2.81%
Details

APY when interest is added back each month

Rate History
No change since Oct 22, 2026 · 1.76% APY · checked 3 times
1.26%1.76%2.26%Oct 22, 2026: 1.76% APYOct 22, 2026Oct 31, 2026
Eastern Michigan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
65 N Howard Ave, Croswell, MI 48422
48-month CD/IRA
$500
1.75% ▼ 1.26% below Michigan avg
View
▼
Rate1.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Michigan Average3.01%▼ 1.26% below avgNationally 2.81%
Details

APY when interest is paid out each month

Rate History
No change since Oct 22, 2026 · 1.75% APY · checked 3 times
1.25%1.75%2.25%Oct 22, 2026: 1.75% APYOct 22, 2026Oct 31, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
48 Month CD - Relationship CD
$2,500
4.70% ▲ 1.69% above Michigan avg
View
▼
Rate4.62%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average3.01%▲ 1.69% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 31, 2026 · 4.70% APY
4.20%4.70%5.20%Oct 31, 2026: 4.70% APYOct 31, 2026Oct 31, 2026
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
48 Month Certificate of Deposit
$0
4.50% ▲ 1.49% above Michigan avg
View
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average3.01%▲ 1.49% above avgNationally 2.81%
Details

Requires $1,000 minimum balance to obtain the APY; APY assumes principal and interest remain on deposit until maturity

Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 14, 2026: 4.50% APYOct 14, 2026Oct 31, 2026
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 31, 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 31, 2026
  • Oct 14, 20264.50%▲ from 4.45%
  • Oct 7, 20264.45%first recorded
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
Certificate - 48 Months
$500
4.50% ▲ 1.49% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average3.01%▲ 1.49% above avgNationally 2.81%
Details

Rate History
1 change since Oct 23, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
3.65%4.33%5.00%Oct 23, 2026: 4.15% APYOct 28, 2026: 4.50% APYOct 23, 2026Oct 31, 2026
  • Oct 28, 20264.50%▲ from 4.15%
  • Oct 23, 20264.15%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 28, 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 3 times
4.00%4.50%5.00%Sep 12, 2026: 4.50% APYSep 12, 2026Oct 31, 2026
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Platinum Member Special Certificate - 48 Month
$1,000
4.42% ▲ 1.41% above Michigan avg
View
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.01%▲ 1.41% above avgNationally 2.81%
Details

Platinum Membership rate; requires 3 of 4 services: Checking, Debit Card, Online Banking, Direct Deposit; 365 day penalty for early withdrawal; APYs as of 10/28/2026

Rate History
No change since Oct 26, 2026 · 4.42% APY · checked 2 times
3.92%4.42%4.92%Oct 26, 2026: 4.42% APYOct 26, 2026Oct 31, 2026
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Platinum Member Special IRA Certificate - 48 Month
$1,000
4.42% ▲ 1.41% above Michigan avg
View
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.01%▲ 1.41% above avgNationally 2.81%
Details

Platinum Membership IRA rate; requires 3 of 4 services: Checking, Debit Card, Online Banking, Direct Deposit; 365 day penalty for early withdrawal; APYs as of 10/28/2026

Rate History
No change since Oct 26, 2026 · 4.42% APY · checked 2 times
3.92%4.42%4.92%Oct 26, 2026: 4.42% APYOct 26, 2026Oct 31, 2026
DOW Credit Union
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 30, 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 4 times
3.90%4.40%4.90%Oct 14, 2026: 4.40% APYOct 14, 2026Oct 31, 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 28, 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
No change since Oct 23, 2026 · 4.37% APY · checked 2 times
3.87%4.37%4.87%Oct 23, 2026: 4.37% APYOct 23, 2026Oct 31, 2026
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 29, 2026
Michigan Average3.01%▲ 1.34% above avgNationally 2.81%
Details

Valid thru 11/01/2026

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 31, 2026
  • Sep 25, 20264.35%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
48 Month Certificate
$3,000
4.32% ▲ 1.31% above Michigan avg
View
▼
RateN/A
Min Deposit$3,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.01%▲ 1.31% above avgNationally 2.81%
Details

Certificate Rates - Effective Thursday, October 29, 2026

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.32% ▲ 0.77 pts · high 4.32% / low 3.55%
2.78%3.94%5.09%Sep 14, 2026: 3.55% APYOct 26, 2026: 4.32% APYSep 14, 2026Oct 31, 2026
  • Oct 26, 20264.32%▲ from 3.55%
  • Sep 14, 20263.55%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 31, 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 31, 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%
Timed Certificate - 48 Months
$1,000
4.28% ▲ 1.27% above Michigan avg
View
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.01%▲ 1.27% above avgNationally 2.81%
Details

Timed Certificates; Effective October 07, 2026

Rate History
No change since Oct 26, 2026 · 4.28% APY · checked 2 times
3.78%4.28%4.78%Oct 26, 2026: 4.28% APYOct 26, 2026Oct 31, 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 29, 2026
Michigan Average3.01%▲ 1.26% above avgNationally 2.81%
Details

$1,000 minimum deposit to open and earn the stated APY; 365 day penalty for early withdrawal

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 31, 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%
IRA 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 29, 2026
Michigan Average3.01%▲ 1.26% above avgNationally 2.81%
Details

$1,000 minimum deposit to open and earn the stated APY; 365 day penalty for early withdrawal

Rate History
2 changes since Sep 14, 2026 · 4.01% → 4.27% ▲ 0.26 pts · high 4.42% / low 4.01%
3.51%4.22%4.92%Sep 14, 2026: 4.01% APYSep 29, 2026: 4.42% APYOct 19, 2026: 4.27% APYSep 14, 2026Oct 31, 2026
  • Oct 19, 20264.27%▼ from 4.42%
  • Sep 29, 20264.42%▲ from 4.01%
  • Sep 14, 20264.01%first recorded
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
Certificate - 48 Month Jump Rate Certificate
$500
4.25% ▲ 1.24% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average3.01%▲ 1.24% above avgNationally 2.81%
Details

Rate Jump certificate; may opt into a new rate once per term if rates increase within the certificate's term

Rate History
1 change since Oct 23, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Oct 23, 2026: 3.90% APYOct 28, 2026: 4.25% APYOct 23, 2026Oct 31, 2026
  • Oct 28, 20264.25%▲ from 3.90%
  • Oct 23, 20263.90%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 29, 2026
Michigan Average3.01%▲ 1.24% above avgNationally 2.81%
Details

Effective Thursday, October 29, 2026

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 31, 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%
48 Month CD
$2,500
4.20% ▲ 1.19% above Michigan avg
View
▼
Rate4.14%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average3.01%▲ 1.19% above avgNationally 2.81%
Details

Minimum $2500 to open

Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 14, 2026: 4.20% APYOct 14, 2026Oct 31, 2026
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 29, 2026
Michigan Average3.01%▲ 1.19% above avgNationally 2.81%
Details

Valid thru 11/01/2026

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 31, 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 28, 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 7 times
3.65%4.15%4.65%Sep 16, 2026: 4.15% APYSep 16, 2026Oct 31, 2026
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
48 MONTH CD
$500
4.15% ▲ 1.14% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.01%▲ 1.14% above avgNationally 2.81%
Details

Effective Thursday, October 29, 2026

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.15% ▲ 0.20 pts · high 4.15% / low 3.95%
3.45%4.05%4.65%Sep 14, 2026: 3.95% APYOct 9, 2026: 4.15% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20264.15%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Farm Bureau Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
48-Month Certificate
$500
4.15% ▲ 1.14% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.01%▲ 1.14% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.15% ▲ 0.60 pts · high 4.15% / low 3.55%
2.95%3.85%4.75%Sep 14, 2026: 3.55% APYOct 29, 2026: 4.15% APYSep 14, 2026Oct 31, 2026
  • Oct 29, 20264.15%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
4 Year Jumbo Term Share Certificates
$0
4.15% ▲ 1.14% above Michigan avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average3.01%▲ 1.14% above avgNationally 2.81%
Details

Subject to penalty for early withdrawal

Rate History
1 change since Oct 14, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90%
3.40%4.03%4.65%Oct 14, 2026: 3.90% APYOct 30, 2026: 4.15% APYOct 14, 2026Oct 31, 2026
  • Oct 30, 20264.15%▲ from 3.90%
  • Oct 14, 20263.90%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo and Jumbo IRA Certificates - 4 Years
$0
4.13% ▲ 1.12% above Michigan avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average3.01%▲ 1.12% above avgNationally 2.81%
Details

Balance: $100,000 and over; Penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 4.09% → 4.13% ▲ 0.04 pts · high 4.13% / low 4.09%
3.59%4.11%4.63%Sep 14, 2026: 4.09% APYOct 14, 2026: 4.13% APYSep 14, 2026Oct 31, 2026
  • Oct 14, 20264.13%▲ from 4.09%
  • Sep 14, 20264.09%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo Certificate - 4 Years
$100,000
4.13% ▲ 1.12% above Michigan avg
View
▼
Rate4.07%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average3.01%▲ 1.12% above avgNationally 2.81%
Details

Minimum balance $100,000 to open and earn APY; penalty for early withdrawal

Rate History
No change since Oct 19, 2026 · 4.13% APY · checked 3 times
3.63%4.13%4.63%Oct 19, 2026: 4.13% APYOct 19, 2026Oct 31, 2026
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
48 month CD
$0
4.10% ▲ 1.09% above Michigan avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.01%▲ 1.09% above avgNationally 2.81%
Details

Effective Date: October 1, 2026; Early withdrawal penalty: 180-days loss of interest

Rate History
1 change since Sep 14, 2026 · 3.40% → 4.10% ▲ 0.70 pts · high 4.10% / low 3.40%
2.70%3.75%4.80%Sep 14, 2026: 3.40% APYOct 19, 2026: 4.10% APYSep 14, 2026Oct 31, 2026
  • Oct 19, 20264.10%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
4 Year Term Certificate
$500
4.08% ▲ 1.07% above Michigan avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average3.01%▲ 1.07% above avgNationally 2.81%
Details

Penalty for early withdrawal

Rate History
No change since Oct 19, 2026 · 4.08% APY · checked 3 times
3.58%4.08%4.58%Oct 19, 2026: 4.08% APYOct 19, 2026Oct 31, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
IRA Certificate - 4 Years
$500
4.08% ▲ 1.07% above Michigan avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average3.01%▲ 1.07% above avgNationally 2.81%
Details

$500 minimum balance to open and earn APY; Penalty for early withdrawal; Source caption reads IRA Certificates but rows sit under Term Certificates $500 and Above heading

Rate History
No change since Oct 19, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 19, 2026: 4.08% APYOct 19, 2026Oct 31, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Term Certificate - 4 Years
$500
4.08% ▲ 1.07% above Michigan avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average3.01%▲ 1.07% above avgNationally 2.81%
Details

Term Certificates $500 and Above; Penalty for early withdrawal

Rate History
No change since Oct 19, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 19, 2026: 4.08% APYOct 19, 2026Oct 31, 2026
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
48 Month Share Certificate
$500
4.06% ▲ 1.05% above Michigan avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average3.01%▲ 1.05% above avgNationally 2.81%
Details

Minimum deposit of $500.00; Certificate specials will not renew at end of term; Limited time offer; penalty may be imposed for early withdrawal

Rate History
1 change since Sep 12, 2026 · 3.75% → 4.06% ▲ 0.31 pts · high 4.06% / low 3.75%
3.25%3.91%4.56%Sep 12, 2026: 3.75% APYOct 8, 2026: 4.06% APYSep 12, 2026Oct 31, 2026
  • Oct 8, 20264.06%▲ from 3.75%
  • Sep 12, 20263.75%first recorded
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Term Share Certificates - 4 Years
$0
4.05% ▲ 1.04% above Michigan avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average3.01%▲ 1.04% above avgNationally 2.81%
Details

Rate History
1 change since Oct 19, 2026 · 3.80% → 4.05% ▲ 0.25 pts · high 4.05% / low 3.80%
3.30%3.93%4.55%Oct 19, 2026: 3.80% APYOct 30, 2026: 4.05% APYOct 19, 2026Oct 31, 2026
  • Oct 30, 20264.05%▲ from 3.80%
  • Oct 19, 20263.80%first recorded
Michigan One Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
48 Month Regular CD
$500
4.00% ▲ 0.99% above Michigan avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.01%▲ 0.99% above avgNationally 2.81%
Details

Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 31, 2026
Huron Valley State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.74%
Certificate of Deposit - 4 Year
$0
3.92% ▲ 0.91% above Michigan avg
View
▼
Rate3.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Michigan Average3.01%▲ 0.91% above avgNationally 2.81%
Details

Balance: $500 - $49,999.99

Rate History
No change since Oct 21, 2026 · 3.92% APY · checked 2 times
3.42%3.92%4.42%Oct 21, 2026: 3.92% APYOct 21, 2026Oct 31, 2026
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
48 Month Certificate
$500
3.92% ▲ 0.91% above Michigan avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.01%▲ 0.91% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 10 times
3.42%3.92%4.42%Sep 14, 2026: 3.92% APYSep 14, 2026Oct 31, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
48 Month IRA/HSA CD - VIP Bonus
$500
3.90% ▲ 0.89% above Michigan avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.01%▲ 0.89% above avgNationally 2.81%
Details

VIP Relationship Reward Bonus

Rate History
No change since Oct 13, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Oct 13, 2026: 3.90% APYOct 13, 2026Oct 31, 2026
St Francis X Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
48 Month CD & IRA CD
$0
3.85% ▲ 0.84% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average3.01%▲ 0.84% above avgNationally 2.81%
Details

Second Tier APY; Balance: $100,000+

Rate History
1 change since Sep 12, 2026 · 2.75% → 3.85% ▲ 1.10 pts · high 3.85% / low 2.75%
1.65%3.30%4.95%Sep 12, 2026: 2.75% APYOct 4, 2026: 3.85% APYSep 12, 2026Oct 31, 2026
  • Oct 4, 20263.85%▲ from 2.75%
  • Sep 12, 20262.75%first recorded
Community Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
4 Year Certificate
$1,000
3.85% ▲ 0.84% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.01%▲ 0.84% above avgNationally 2.81%
Details

Share Certificate

Rate History
No change since Oct 22, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Oct 22, 2026: 3.85% APYOct 22, 2026Oct 31, 2026
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
IRA Certificate - 48 months
$0
3.85% ▲ 0.84% above Michigan avg
View
▼
Rate3.77%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average3.01%▲ 0.84% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 31, 2026
Arbor Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.10%
Certificate of Deposit (CD) - 48 Month
$0
3.80% ▲ 0.79% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.01%▲ 0.79% above avgNationally 2.81%
Details

Balance: $500 - $29,999.99

Rate History
No change since Oct 13, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 13, 2026: 3.80% APYOct 13, 2026Oct 31, 2026
Arbor Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.10%
Traditional, Roth, & IRA - 48 Month Certificate
$0
3.80% ▲ 0.79% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.01%▲ 0.79% above avgNationally 2.81%
Details

Balance: $500 - $29,999.99

Rate History
No change since Oct 13, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Oct 13, 2026: 3.80% APYOct 13, 2026Oct 31, 2026
CASE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
4 Year TDA or IRA TDA
$0
3.80% ▲ 0.79% above Michigan avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.01%▲ 0.79% above avgNationally 2.81%
Details

Footnote 2: disclosed rate declared as of end of last month and may not reflect current rate

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.80% ▲ 0.40 pts · high 3.80% / low 3.40%
2.90%3.60%4.30%Sep 14, 2026: 3.40% APYOct 9, 2026: 3.80% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20263.80%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Share Certificate - 48 Month
$500
3.80% ▲ 0.79% above Michigan avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.01%▲ 0.79% above avgNationally 2.81%
Details

Penalties apply for early withdrawal

Rate History
No change since Oct 13, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Oct 13, 2026: 3.80% APYOct 13, 2026Oct 31, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Business Certificates - 4-Year
$0
3.75% ▲ 0.74% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.01%▲ 0.74% above avgNationally 2.81%
Details

Balance: $1,000 minimum to earn APY

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Sep 14, 2026: 3.65% APYOct 29, 2026: 3.75% APYSep 14, 2026Oct 31, 2026
  • Oct 29, 20263.75%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Fixed-Rate Certificate - 4-year
$0
3.75% ▲ 0.74% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.01%▲ 0.74% above avgNationally 2.81%
Details

Minimum balance to earn APY: $500

Rate History
1 change since Oct 13, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Oct 13, 2026: 3.65% APYOct 29, 2026: 3.75% APYOct 13, 2026Oct 31, 2026
  • Oct 29, 20263.75%▲ from 3.65%
  • Oct 13, 20263.65%first recorded
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
IRA Certificate 4-year
$0
3.75% ▲ 0.74% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.01%▲ 0.74% above avgNationally 2.81%
Details

Individual Retirement Account (IRA) Certificates

Rate History
1 change since Oct 13, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Oct 13, 2026: 3.65% APYOct 29, 2026: 3.75% APYOct 13, 2026Oct 31, 2026
  • Oct 29, 20263.75%▲ from 3.65%
  • Oct 13, 20263.65%first recorded
Michigan Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
48 Month IRA Share Certificate
$2,000
3.75% ▲ 0.74% above Michigan avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.01%▲ 0.74% above avgNationally 2.81%
Details

Minimum Credit Limit: $2,000; additional increments of $500; dividends compounded quarterly; early withdrawal penalty: 9 months of dividends accrued

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40%
2.90%3.58%4.25%Sep 14, 2026: 3.40% APYOct 9, 2026: 3.75% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20263.75%▲ from 3.40%
  • Sep 14, 20263.40%first recorded

Croswell 60 Month CD Rates

Michigan 60 Month CD Average3.06% APYNational 2.92%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
5200 Peck Rd, Croswell, MI 48422 1462
IRA Share Certificates of Deposit - 5 year
$0
3.65% ▲ 0.59% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.06%▲ 0.59% above avgNationally 2.92%
Details

Early withdrawal penalty: 90 days interest for terms of 12 months or less, 180 days interest for terms greater than 1 year

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 31, 2026
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
5200 Peck Rd, Croswell, MI 48422 1462
Share Certificate of Deposit - 5 year
$0
3.65% ▲ 0.59% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.06%▲ 0.59% above avgNationally 2.92%
Details

Early withdrawal penalty: 90 days interest for terms of 12 months or less, 180 days interest for terms greater than 1 year

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 31, 2026
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
5200 Peck Rd, Croswell, MI 48422 1462
IRA Share Certificates of Deposit - 2.5 year
$0
3.50% ▲ 0.44% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.06%▲ 0.44% above avgNationally 2.92%
Details

Early withdrawal penalty: 90 days interest for terms of 12 months or less, 180 days interest for terms greater than 1 year

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 31, 2026
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
5200 Peck Rd, Croswell, MI 48422 1462
Share Certificate of Deposit - 2.5 year
$0
3.50% ▲ 0.44% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.06%▲ 0.44% above avgNationally 2.92%
Details

Early withdrawal penalty: 90 days interest for terms of 12 months or less, 180 days interest for terms greater than 1 year

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 31, 2026
Eastern Michigan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
65 N Howard Ave, Croswell, MI 48422
60-month CD/IRA
$500
2.02% ▼ 1.04% below Michigan avg
View
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Michigan Average3.06%▼ 1.04% below avgNationally 2.92%
Details

APY when interest is added back each month

Rate History
No change since Oct 22, 2026 · 2.02% APY · checked 3 times
1.52%2.02%2.52%Oct 22, 2026: 2.02% APYOct 22, 2026Oct 31, 2026
Eastern Michigan Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
65 N Howard Ave, Croswell, MI 48422
60-month CD/IRA
$500
2.00% ▼ 1.06% below Michigan avg
View
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Michigan Average3.06%▼ 1.06% below avgNationally 2.92%
Details

APY when interest is paid out each month

Rate History
No change since Oct 22, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Oct 22, 2026: 2.00% APYOct 22, 2026Oct 31, 2026
Michigan One Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
60 Month Minor CD Special
$100
5.12% ▲ 2.06% above Michigan avg
View
▼
Rate5.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.06%▲ 2.06% above avgNationally 2.92%
Details

Minimum $100, maximum $5,000; Minor CD Special

Rate History
No change since Sep 18, 2026 · 5.12% APY · checked 5 times
4.62%5.12%5.62%Sep 18, 2026: 5.12% APYSep 18, 2026Oct 31, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
60 Month CD - Relationship CD
$2,500
4.75% ▲ 1.69% above Michigan avg
View
▼
Rate4.67%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average3.06%▲ 1.69% above avgNationally 2.92%
Details

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

Rate History
No change since Oct 31, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 31, 2026: 4.75% APYOct 31, 2026Oct 31, 2026
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
60 Month Certificate of Deposit
$0
4.60% ▲ 1.54% above Michigan avg
View
▼
Rate4.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average3.06%▲ 1.54% above avgNationally 2.92%
Details

Requires $1,000 minimum balance to obtain the APY; APY assumes principal and interest remain on deposit until maturity

Rate History
No change since Oct 14, 2026 · 4.60% APY · checked 3 times
4.10%4.60%5.10%Oct 14, 2026: 4.60% APYOct 14, 2026Oct 31, 2026
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Time Certificate of Deposit - 60 Month
$0
4.60% ▲ 1.54% above Michigan avg
View
▼
Rate4.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average3.06%▲ 1.54% 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 31, 2026
  • Oct 14, 20264.60%▲ from 4.50%
  • Oct 7, 20264.50%first recorded
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
Certificate - 60 Months
$500
4.55% ▲ 1.49% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average3.06%▲ 1.49% above avgNationally 2.92%
Details

Rate History
1 change since Oct 23, 2026 · 4.15% → 4.55% ▲ 0.40 pts · high 4.55% / low 4.15%
3.65%4.35%5.05%Oct 23, 2026: 4.15% APYOct 28, 2026: 4.55% APYOct 23, 2026Oct 31, 2026
  • Oct 28, 20264.55%▲ from 4.15%
  • Oct 23, 20264.15%first recorded
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
Share Certificate - 60 Month
$0
4.50% ▲ 1.44% above Michigan avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average3.06%▲ 1.44% above avgNationally 2.92%
Details

Rates effective October 1, 2026

Rate History
No change since Sep 12, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Sep 12, 2026: 4.50% APYSep 12, 2026Oct 31, 2026
DOW Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
3 - 60 Month Simple CDs
$500
4.50% ▲ 1.44% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average3.06%▲ 1.44% above avgNationally 2.92%
Details

3-60 Month Simple CDs; as high as rate; Rate effective 10/01/2026; APY assumes interest remains in certificate until maturity; early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 14, 2026: 4.50% APYOct 14, 2026Oct 31, 2026
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Platinum Member Special Certificate - 60 Month
$1,000
4.47% ▲ 1.41% above Michigan avg
View
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.06%▲ 1.41% above avgNationally 2.92%
Details

Platinum Membership rate; requires 3 of 4 services: Checking, Debit Card, Online Banking, Direct Deposit; 365 day penalty for early withdrawal; APYs as of 10/28/2026

Rate History
No change since Oct 26, 2026 · 4.47% APY · checked 2 times
3.97%4.47%4.97%Oct 26, 2026: 4.47% APYOct 26, 2026Oct 31, 2026
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Platinum Member Special IRA Certificate - 60 Month
$1,000
4.47% ▲ 1.41% above Michigan avg
View
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.06%▲ 1.41% above avgNationally 2.92%
Details

Platinum Membership IRA rate; requires 3 of 4 services: Checking, Debit Card, Online Banking, Direct Deposit; 365 day penalty for early withdrawal; APYs as of 10/28/2026

Rate History
No change since Oct 26, 2026 · 4.47% APY · checked 2 times
3.97%4.47%4.97%Oct 26, 2026: 4.47% APYOct 26, 2026Oct 31, 2026
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
Jumbo Share Certificate - 60 month
$100,000
4.42% ▲ 1.36% above Michigan avg
View
▼
Rate4.35%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average3.06%▲ 1.36% 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
No change since Oct 23, 2026 · 4.42% APY · checked 2 times
3.92%4.42%4.92%Oct 23, 2026: 4.42% APYOct 23, 2026Oct 31, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
5-Year Certificate or IRA-HSA Jumbo
$0
4.40% ▲ 1.34% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.06%▲ 1.34% above avgNationally 2.92%
Details

Valid thru 11/01/2026

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 31, 2026
  • Sep 25, 20264.40%▲ from 4.05%
  • Sep 18, 20264.05%first recorded
DOW Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Simple CD - 60 Months
$500
4.40% ▲ 1.34% above Michigan avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average3.06%▲ 1.34% above avgNationally 2.92%
Details

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

Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Oct 14, 2026: 4.40% APYOct 14, 2026Oct 31, 2026
Extra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
Fixed-Rate Certificate - 60 Months
$0
4.37% ▲ 1.31% above Michigan avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.06%▲ 1.31% above avgNationally 2.92%
Details

Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal. Auto-renewing accounts have a grace period of ten (10) days after maturity to withdraw without penalty.

Rate History
No change since Oct 19, 2026 · 4.37% APY · checked 3 times
3.87%4.37%4.87%Oct 19, 2026: 4.37% APYOct 19, 2026Oct 31, 2026
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
60 Month Certificate
$3,000
4.37% ▲ 1.31% above Michigan avg
View
▼
RateN/A
Min Deposit$3,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.06%▲ 1.31% above avgNationally 2.92%
Details

Certificate Rates - Effective Thursday, October 29, 2026

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.37% ▲ 0.82 pts · high 4.37% / low 3.55%
2.73%3.96%5.19%Sep 14, 2026: 3.55% APYOct 26, 2026: 4.37% APYSep 14, 2026Oct 31, 2026
  • Oct 26, 20264.37%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
60 month CD
$0
4.35% ▲ 1.29% above Michigan avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.06%▲ 1.29% above avgNationally 2.92%
Details

Effective Date: October 1, 2026; Early withdrawal penalty: 180-days loss of interest

Rate History
1 change since Sep 14, 2026 · 3.40% → 4.35% ▲ 0.95 pts · high 4.35% / low 3.40%
2.45%3.87%5.30%Sep 14, 2026: 3.40% APYOct 19, 2026: 4.35% APYSep 14, 2026Oct 31, 2026
  • Oct 19, 20264.35%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
60-Month CD
$500
4.35% ▲ 1.29% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.06%▲ 1.29% above avgNationally 2.92%
Details

APY as high as; Rates valid as of 10/1/2026; Early withdrawal penalty 180 days loss of interest

Rate History
No change since Oct 9, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Oct 9, 2026: 4.35% APYOct 9, 2026Oct 31, 2026
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
Timed Certificate - 60 Months
$1,000
4.33% ▲ 1.27% above Michigan avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.06%▲ 1.27% above avgNationally 2.92%
Details

Timed Certificates; Effective October 07, 2026

Rate History
No change since Oct 26, 2026 · 4.33% APY · checked 2 times
3.83%4.33%4.83%Oct 26, 2026: 4.33% APYOct 26, 2026Oct 31, 2026
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
60 Month Certificate
$1,000
4.32% ▲ 1.26% above Michigan avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.06%▲ 1.26% above avgNationally 2.92%
Details

$1,000 minimum deposit to open and earn the stated APY; 365 day penalty for early withdrawal

Rate History
2 changes since Sep 18, 2026 · 4.11% → 4.32% ▲ 0.21 pts · high 4.47% / low 4.11%
3.61%4.29%4.97%Sep 18, 2026: 4.11% APYSep 29, 2026: 4.47% APYOct 9, 2026: 4.32% APYSep 18, 2026Oct 31, 2026
  • Oct 9, 20264.32%▼ from 4.47%
  • Sep 29, 20264.47%▲ from 4.11%
  • Sep 18, 20264.11%first recorded
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
IRA 60 Month Certificate
$1,000
4.32% ▲ 1.26% above Michigan avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.06%▲ 1.26% above avgNationally 2.92%
Details

$1,000 minimum deposit to open and earn the stated APY; 365 day penalty for early withdrawal

Rate History
2 changes since Sep 14, 2026 · 4.11% → 4.32% ▲ 0.21 pts · high 4.47% / low 4.11%
3.61%4.29%4.97%Sep 14, 2026: 4.11% APYSep 29, 2026: 4.47% APYOct 19, 2026: 4.32% APYSep 14, 2026Oct 31, 2026
  • Oct 19, 20264.32%▼ from 4.47%
  • Sep 29, 20264.47%▲ from 4.11%
  • Sep 14, 20264.11%first recorded
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
60 Month CD
$500
4.30% ▲ 1.24% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average3.06%▲ 1.24% above avgNationally 2.92%
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 31, 2026
  • Oct 14, 20264.30%▲ from 3.90%
  • Sep 19, 20263.90%first recorded
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
60 MONTH CD
$50,000
4.30% ▲ 1.24% above Michigan avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.06%▲ 1.24% above avgNationally 2.92%
Details

Effective Thursday, October 29, 2026

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95%
3.45%4.13%4.80%Sep 14, 2026: 3.95% APYOct 9, 2026: 4.30% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20264.30%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
60 Month CD
$2,500
4.25% ▲ 1.19% above Michigan avg
View
▼
Rate4.18%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Michigan Average3.06%▲ 1.19% above avgNationally 2.92%
Details

Minimum $2500 to open

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 31, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
5-Year Certificate or IRA-HSA
$0
4.25% ▲ 1.19% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.06%▲ 1.19% above avgNationally 2.92%
Details

Valid thru 11/01/2026

Rate History
1 change since Sep 18, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 18, 2026: 3.90% APYSep 25, 2026: 4.25% APYSep 18, 2026Oct 31, 2026
  • Sep 25, 20264.25%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
5 Year Jumbo Term Share Certificates
$0
4.25% ▲ 1.19% above Michigan avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average3.06%▲ 1.19% above avgNationally 2.92%
Details

Subject to penalty for early withdrawal

Rate History
1 change since Oct 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Oct 14, 2026: 4.00% APYOct 30, 2026: 4.25% APYOct 14, 2026Oct 31, 2026
  • Oct 30, 20264.25%▲ from 4.00%
  • Oct 14, 20264.00%first recorded
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
60 MONTH CD
$500
4.20% ▲ 1.14% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.06%▲ 1.14% above avgNationally 2.92%
Details

Effective Thursday, October 29, 2026

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.20% ▲ 0.25 pts · high 4.20% / low 3.95%
3.45%4.08%4.70%Sep 14, 2026: 3.95% APYOct 9, 2026: 4.20% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20264.20%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
60 Month IRA Certificate
$0
4.15% ▲ 1.09% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average3.06%▲ 1.09% above avgNationally 2.92%
Details

IRA - Individual accounts only

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 31, 2026
Farm Bureau Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
60-Month Certificate
$500
4.15% ▲ 1.09% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.06%▲ 1.09% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.15% ▲ 0.55 pts · high 4.15% / low 3.60%
3.05%3.88%4.70%Sep 14, 2026: 3.60% APYOct 29, 2026: 4.15% APYSep 14, 2026Oct 31, 2026
  • Oct 29, 20264.15%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
60 Month IRA/HSA CD - VIP Bonus
$500
4.15% ▲ 1.09% above Michigan avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.06%▲ 1.09% above avgNationally 2.92%
Details

VIP Relationship Reward Bonus

Rate History
No change since Oct 13, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Oct 13, 2026: 4.15% APYOct 13, 2026Oct 31, 2026
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Term Share Certificates - 5 Years
$0
4.15% ▲ 1.09% above Michigan avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average3.06%▲ 1.09% above avgNationally 2.92%
Details

Rate History
1 change since Oct 19, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90%
3.40%4.03%4.65%Oct 19, 2026: 3.90% APYOct 30, 2026: 4.15% APYOct 19, 2026Oct 31, 2026
  • Oct 30, 20264.15%▲ from 3.90%
  • Oct 19, 20263.90%first recorded
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
60 Month Share Certificate
$500
4.11% ▲ 1.05% above Michigan avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average3.06%▲ 1.05% above avgNationally 2.92%
Details

Minimum deposit of $500.00; Certificate specials will not renew at end of term; Limited time offer; penalty may be imposed for early withdrawal

Rate History
1 change since Sep 12, 2026 · 3.80% → 4.11% ▲ 0.31 pts · high 4.11% / low 3.80%
3.30%3.96%4.61%Sep 12, 2026: 3.80% APYOct 8, 2026: 4.11% APYSep 12, 2026Oct 31, 2026
  • Oct 8, 20264.11%▲ from 3.80%
  • Sep 12, 20263.80%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo and Jumbo IRA Certificates - 5 Years
$0
4.09% ▲ 1.03% above Michigan avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average3.06%▲ 1.03% above avgNationally 2.92%
Details

Balance: $100,000 and over; Penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 4.08% → 4.09% ▲ 0.01 pts · high 4.09% / low 4.08%
3.58%4.09%4.59%Sep 14, 2026: 4.08% APYOct 14, 2026: 4.09% APYSep 14, 2026Oct 31, 2026
  • Oct 14, 20264.09%▲ from 4.08%
  • Sep 14, 20264.08%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo Certificate - 5 Years
$100,000
4.09% ▲ 1.03% above Michigan avg
View
▼
Rate4.03%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average3.06%▲ 1.03% above avgNationally 2.92%
Details

Minimum balance $100,000 to open and earn APY; penalty for early withdrawal

Rate History
No change since Oct 19, 2026 · 4.09% APY · checked 3 times
3.59%4.09%4.59%Oct 19, 2026: 4.09% APYOct 19, 2026Oct 31, 2026
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
60 Month Jumbo Certificates
$0
4.07% ▲ 1.01% above Michigan avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.06%▲ 1.01% above avgNationally 2.92%
Details

Effective Date: 10/29/2026; Dividends compounded & credited monthly; penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 9 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 31, 2026
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Jumbo Certificates - 60 months
$0
4.07% ▲ 1.01% above Michigan avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.06%▲ 1.01% above avgNationally 2.92%
Details

Effective Date: 10/29/2026; Dividends compounded & credited monthly; penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 4 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 31, 2026
UP State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.41%
5 Year Certificate of Deposit
$1,000
4.06% ▲ 1.00% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.06%▲ 1.00% above avgNationally 2.92%
Details

Rate History
No change since Oct 22, 2026 · 4.06% APY · checked 3 times
3.56%4.06%4.56%Oct 22, 2026: 4.06% APYOct 22, 2026Oct 31, 2026
Arbor Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.10%
Certificate of Deposit (CD) - 60 Month
$0
4.05% ▲ 0.99% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.06%▲ 0.99% above avgNationally 2.92%
Details

Balance: $500 - $29,999.99

Rate History
No change since Oct 13, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 13, 2026: 4.05% APYOct 13, 2026Oct 31, 2026
Arbor Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.10%
Traditional, Roth, & IRA - 60 Month Certificate
$0
4.05% ▲ 0.99% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.06%▲ 0.99% above avgNationally 2.92%
Details

Balance: $500 - $29,999.99

Rate History
No change since Oct 13, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Oct 13, 2026: 4.05% APYOct 13, 2026Oct 31, 2026
Michigan One Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
60 Month Regular CD
$500
4.05% ▲ 0.99% above Michigan avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.06%▲ 0.99% above avgNationally 2.92%
Details

Rate History
No change since Oct 19, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 19, 2026: 4.05% APYOct 19, 2026Oct 31, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
5 Year Term Certificate
$500
4.04% ▲ 0.98% above Michigan avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average3.06%▲ 0.98% above avgNationally 2.92%
Details

Penalty for early withdrawal

Rate History
No change since Oct 19, 2026 · 4.04% APY · checked 3 times
3.54%4.04%4.54%Oct 19, 2026: 4.04% APYOct 19, 2026Oct 31, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
IRA Certificate - 5 Years
$500
4.04% ▲ 0.98% above Michigan avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average3.06%▲ 0.98% above avgNationally 2.92%
Details

$500 minimum balance to open and earn APY; Penalty for early withdrawal; Source caption reads IRA Certificates but rows sit under Term Certificates $500 and Above heading

Rate History
No change since Oct 19, 2026 · 4.04% APY · checked 2 times
3.54%4.04%4.54%Oct 19, 2026: 4.04% APYOct 19, 2026Oct 31, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Term Certificate - 5 Years
$500
4.04% ▲ 0.98% above Michigan avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Michigan Average3.06%▲ 0.98% above avgNationally 2.92%
Details

Term Certificates $500 and Above; Penalty for early withdrawal

Rate History
No change since Oct 19, 2026 · 4.04% APY · checked 2 times
3.54%4.04%4.54%Oct 19, 2026: 4.04% APYOct 19, 2026Oct 31, 2026
St Francis X Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
60 Month CD & IRA CD
$0
4.00% ▲ 0.94% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Michigan Average3.06%▲ 0.94% above avgNationally 2.92%
Details

Second Tier APY; Balance: $100,000+

Rate History
1 change since Sep 12, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 12, 2026: 3.00% APYOct 4, 2026: 4.00% APYSep 12, 2026Oct 31, 2026
  • Oct 4, 20264.00%▲ from 3.00%
  • Sep 12, 20263.00%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
60 Month CD - VIP Bonus
$500
4.00% ▲ 0.94% above Michigan avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.06%▲ 0.94% above avgNationally 2.92%
Details

VIP Relationship Reward Bonus rate

Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 31, 2026
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
60 Month Certificate
$500
3.97% ▲ 0.91% above Michigan avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Michigan Average3.06%▲ 0.91% above avgNationally 2.92%
Details

Rate History
No change since Sep 14, 2026 · 3.97% APY · checked 10 times
3.47%3.97%4.47%Sep 14, 2026: 3.97% APYSep 14, 2026Oct 31, 2026
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 Croswell, Michigan Institutions

Highest verified APYs available today, updated October 31, 2026

B Top 5 Bank Rates
Eastern Michigan Bank
60-month CD/IRA
A+ 5.0 ★ TX: 1.25%
Min: $500
2.02%
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
60 Month CD - Relationship CD
A+ 5.0 ★ TX: 2.28%
Min: $2,500
4.75%
First National Bank of America (FNBA)
60 Month Certificate of Deposit
B- 4.3 ★ TX: 23.12%
Min: $0
4.60%
CIBC
12-month CD
A+ 5.0 ★ TX: 5.05%
Min: $1,000
4.50%
CU Top 5 Credit Union Rates
Security Credit Union
IRA Share Certificates of Deposit - 5 year
A+ 5.0 ★ TX: 5.96%
Min: $0
3.65%
FreeStar Financial Credit Union
18-Month Special - Military
A 5.0 ★ TX: 7.11%
Min: $0
5.25%
Diversified Members Credit Union
12 Month Legacy CD
A+ 5.0 ★ TX: 5.06%
Min: $0
5.15%
Michigan One Community Credit Union
60 Month Minor CD Special
A+ 5.0 ★ TX: 4.80%
Min: $100
5.12%
United Financial Credit Union
6 month - 4H or FFA CD
A+ 5.0 ★ TX: 5.54%
Min: $0
5.05%
Rates verified October 31, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Croswell, MI CD Rate Trends

Compare local Croswell, 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
3.127%
▲ 0.017 vs 7 days ago

Michigan 12-month CD rates rose 0.017 points over the past 7 days to 3.127% APY.

6-Month CD MI Avg
2.910%
▲ 0.036 vs 7 days ago

Michigan 6-month CD rates rose 0.036 points over the past 7 days to 2.910% APY.

As of Oct 31, 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
3.127%
6-Month Forecast
3.127%
Range: 2.93%, 3.28%
12-Month Forecast
3.377%
Range: 3.18%, 3.53%

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 1.25% 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.

Powered by MonitorBankRates

What Your Savings Earn at MI CD Rates Today

Annual interest earnings at today’s Michigan average APYs. State average used where available; national average as fallback.

CD Term MI Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.208% $110.38 $220.76 $551.90 $1,103.80
6-Month CD 2.910% $145.52 $291.04 $727.60 $1,455.20
12-Month CD 3.127% $156.37 $312.74 $781.85 $1,563.70
18-Month CD 3.066% $153.28 $306.55 $766.38 $1,532.75
24-Month CD 2.991% $149.55 $299.10 $747.75 $1,495.50
36-Month CD 2.945% $147.26 $294.52 $736.30 $1,472.60
48-Month CD 3.011% $150.53 $301.06 $752.65 $1,505.30
60-Month CD 3.059% $152.94 $305.88 $764.70 $1,529.40
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 31, 2026.
Powered byMonitorBankRates

Sample CD Ladder for Croswell, 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 2.208% $110.38
2 6-Month CD $5,000 2.910% $145.52
3 12-Month CD $5,000 3.127% $156.37
4 24-Month CD $5,000 2.991% $149.55
5 36-Month CD $5,000 2.945% $147.26
Total ($25,000 invested) $25,000 2.836% blended $709.08/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
2,017
CD Rates
Tracked in Croswell, Michigan
28 Banks 100 Credit Unions

About Our Croswell, Michigan CD Rate Database

MonitorBankRates tracks 2,017 CD rates from 28 banks and 100 credit unions with locations in Croswell, 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: Security Credit Union offers a CD at 3.65% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Croswell, Michigan.

How to Find the Best CD Rates in Croswell, Michigan

What to compare when shopping for a CD in Croswell, Michigan

To find the best APYs in Croswell, Michigan, start with credit unions and online-only banks: Croswell, Michigan has 100 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 Croswell, 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 Croswell, Michigan: 128 institutions here report CD rates

Consider an Alternative If…

Croswell, Michigan Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
20.4%
National avg: 17.3%
Median Individual Earnings
$33,873
National avg: $47,340
Poverty Rate
17.1%
National avg: 11.1%
Unemployment Rate
11.6%
National avg: 4.8%
CD Earnings on 10% of Salary
$106/yr
At MI 12-mo avg 3.127% APY

20.4% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market; an unemployment rate of 11.6% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s MI 12-month CD average of 3.127%, saving 10% of the local median salary ($3,387/year) and putting it in a CD would earn an additional $106 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 Croswell, 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

CD Product Information

How CDs Work

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 Croswell, 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 Croswell, Michigan as everywhere in the U.S.

CD Terms

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Croswell, Michigan savers easier access to their funds. For example, Eastern Michigan Bank is offering its 6-month CD/IRA at 0.25% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Security Credit Union is offering its IRA Share Certificates of Deposit - 5 year at 3.65% 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

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 Croswell, 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

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 Croswell, 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

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

What are CD rates in Croswell, Michigan today?

Croswell, Michigan CD rates range from 0.25% to 5.25% APY as of October 31, 2026, verified by MonitorBankRates. Top rates include 3.65% APY at Security Credit Union (IRA Share Certificates of Deposit - 5 year), 2.02% at Eastern Michigan Bank (60-month CD/IRA) and 5.25% at FreeStar Financial Credit Union (18-Month Special - Military), compared with the MonitorBankRates national 12 month average of 3.01% APY.

Are CD rates in Croswell, Michigan FDIC insured?

Yes, most established banks in Croswell, 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 Croswell, 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 Croswell, 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 Croswell, 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 Croswell, Michigan?

Here are recent top rates found for this area:
  • Security Credit Union: 3.65% APY (IRA Share Certificates of Deposit - 5 year)
  • Eastern Michigan Bank: 2.02% APY (60-month CD/IRA)
  • FreeStar Financial Credit Union: 5.25% APY (18-Month Special - Military)
  • Diversified Members Credit Union: 5.15% APY (12 Month Legacy CD)
  • Michigan One Community Credit Union: 5.12% APY (60 Month Minor CD Special)
  • United Financial Credit Union: 5.05% APY (6 month - 4H or FFA CD)
  • First National Bank of Michigan: 5.00% APY (3-Year Rising Rate Certificate of Deposit)
  • OMNI Community Credit Union: 5.00% APY (Certificate of Deposit - 12 Month Youth Special)
  • Best Financial Credit Union: 5.00% APY (Certificates of Deposit (CDs) - 12 Month Super Kids)
  • Nicolet Bank: 4.75% APY (60 Month CD - Relationship CD)
Rates reflect recent verified offers available in Croswell, Michigan. Last Updated: October 31, 2026

Croswell, 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 Croswell, 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 Croswell, Michigan CD Rates by Term

Verified October 31, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Croswell, Michigan. Averages shown use the Michigan state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Croswell, Michigan

Croswell, Michigan CD Calculator

At today’s MI top rate of 3.65% APY, a $10,000 deposit earns $365 in the first year. Enter your amount to see your exact return.

Croswell, Michigan CD Ladder

MI CD rates currently range from 2.208% (3-month) to 2.945% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Croswell, Michigan CD at 3.65% 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 3.127% 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 Croswell, 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 Croswell, 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 Croswell, 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 31, 2026

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