Croswell, Michigan Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Croswell, Michigan CD rates include Security Credit UnionSecurity Credit Union5200 Peck Rd, Croswell, MI 48422 1462A5.0 ★Texas Ratio: 6.30%Real return: +0.85%APY minus CPI (February 2026) offering 5 Year Share Certificates of Deposit at 3.65% APY, Diversified Members Credit UnionDiversified Members Credit UnionA+5.0 ★Texas Ratio: 4.56%Real return: +2.35%APY minus CPI (February 2026) offering 12 Month Certificate at 5.15% APY, Michigan One Community Credit UnionMichigan One Community Credit UnionA+5.0 ★Texas Ratio: 1.59%Real return: +2.32%APY minus CPI (February 2026) offering Minor CD Special - 60 months at 5.12% APY, United Financial Credit UnionUnited Financial Credit UnionA+5.0 ★Texas Ratio: 2.20%Real return: +2.25%APY minus CPI (February 2026) offering 6 month - 4H or FFA CD at 5.05% APY, and OMNI Community Credit UnionOMNI Community Credit UnionA+5.0 ★Texas Ratio: 2.34%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Youth Special at 5.00% APY. CD rates as of September 16, 2026 according to verified data from MonitorBankRates.
Croswell has 21 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: September 16, 2026
Compare Best CD Rates in Croswell, Michigan & the Surrounding Area
Croswell 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Jumbo CD 3 Months ($1,000,000)
$1,000,000
4.32%
▲ 2.28% above national avg
▼
Rate4.25%
Min Deposit$1,000,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 2.28% above avg
Details
Dividends: Quarterly
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Jumbo CD 3 Months ($3,000,000)
$3,000,000
4.32%
▲ 2.28% above national avg
▼
Rate4.25%
Min Deposit$3,000,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 2.28% above avg
Details
Dividends: Quarterly
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Jumbo CD 3 Months ($250,000)
$250,000
4.06%
▲ 2.02% above national avg
▼
Rate4.00%
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 2.02% above avg
Details
Dividends: Quarterly
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Jumbo CD 3 Months ($500,000)
$500,000
4.06%
▲ 2.02% above national avg
▼
Rate4.00%
Min Deposit$500,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 2.02% above avg
Details
Dividends: Quarterly
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
3-Month HYRC Certificate
$1,000
4.00%
▲ 1.96% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.96% above avg
Details
High-Yield Rewards Checking Account required
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
Simple CDs - 3 Months
$0
4.00%
▲ 1.96% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.96% above avg
Details
West Shore Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
3 Month CD Specials
$0
3.90%
▲ 1.86% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.04%▲ 1.86% above avg
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
3-Month Certificate
$1,000
3.75%
▲ 1.71% above national avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.71% above avg
Details
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
3 Month Certificate
$0
3.70%
▲ 1.66% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.04%▲ 1.66% above avg
Details
St Francis X Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
3 Month CD & IRA CD
$0
3.60%
▲ 1.56% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.04%▲ 1.56% above avg
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Jumbo Term Share Certificates - 3 Months
$0
3.40%
▲ 1.36% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.36% above avg
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
3 Month IRA/HSA CD
$500
3.30%
▲ 1.26% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.26% above avg
Details
VIP Bonus Rate: 3.49%, VIP Bonus APY: 3.55%. Rates as of 09/12/26 and subject to change.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
3-Month Certificate or IRA-HSA Jumbo
$100,000
3.15%
▲ 1.11% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.11% above avg
Details
Valid Thru: 09/13/2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
3-Month Certificate or IRA-HSA Jumbo - 3 Months
$0
3.15%
▲ 1.11% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.11% above avg
Details
Valid Thru: 09/13/2026
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
3 Month Term Share Certificate
$0
3.15%
▲ 1.11% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.11% above avg
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
3 Month CD
$500
3.15%
▲ 1.11% above national avg
▼
Rate3.11%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.11% above avg
Details
VIP Bonus Rate: 3.35%, VIP Bonus APY: 3.40%. Rates as of 09/12/26 and subject to change.
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
HSA IRA Certificates - 3 Month
$0
3.10%
▲ 1.06% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.06% above avg
Details
IRA Certificates require a minimum balance of $10,000 to open.; Term Share, Youth, IRA, & HSA Certificates
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
HSA Regular Term Share Certificates - 3 Month
$50
3.10%
▲ 1.06% above national avg
▼
Rate3.06%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.06% above avg
Details
Regular term CDs allow additional add on deposits.; Term Share, Youth, IRA, & HSA Certificates
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Relationship CD - 3 Month
$0
3.05%
▲ 1.01% above national avg
▼
Rate3.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.01% above avg
Details
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
90 Day Certificate
$1,000
3.03%
▲ 0.99% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.99% above avg
Details
West Shore Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
3 Month Certificates of Deposit (CDs)
$0
3.00%
▲ 0.96% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.04%▲ 0.96% above avg
Details
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Month Share Certificates
$0
3.00%
▲ 0.96% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.96% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
3-Month Certificate or IRA-HSA
$500
3.00%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.96% above avg
Details
Valid Thru: 09/13/2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
3-Month Certificate or IRA-HSA - 3 Months
$0
3.00%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.96% above avg
Details
Valid Thru: 09/13/2026
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
3 Month Cert / IRA
$1,000
3.00%
▲ 0.96% above national avg
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.96% above avg
Details
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
3 Month CD
$0
2.95%
▲ 0.91% above national avg
▼
Rate2.91%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.91% above avg
Details
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
3 Month CD
$0
2.90%
▲ 0.86% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.86% above avg
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
3 Month Certificate
$500
2.89%
▲ 0.85% above national avg
▼
Rate2.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.85% above avg
Details
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
3 Month CD
$0
2.85%
▲ 0.81% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.81% above avg
Details
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
3 Month CD
$0
2.80%
▲ 0.76% above national avg
▼
Rate2.76%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.76% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
CD - 3 Month
$0
2.75%
▲ 0.71% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.71% above avg
Details
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
90 Day
$0
2.63%
▲ 0.59% above national avg
▼
Rate2.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.04%▲ 0.59% above avg
Details
The Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
3 Month Term Share Certificates
$500
2.50%
▲ 0.46% above national avg
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.46% above avg
Details
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
90 Day
$0
2.43%
▲ 0.39% above national avg
▼
Rate2.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.04%▲ 0.39% above avg
Details
Lake-Osceola State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
90 Days
$5,000
2.27%
▲ 0.23% above national avg
▼
Rate2.25%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.04%▲ 0.23% above avg
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
3 Month Traditional CD
$0
2.25%
▲ 0.21% above national avg
▼
Rate2.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.21% above avg
Details
CD, Traditional IRA CD & Roth IRA CD Accounts
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
3-Month Certificate
$0
2.25%
▲ 0.21% above national avg
▼
Rate2.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.21% above avg
Details
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
90 Day
$0
2.22%
▲ 0.18% above national avg
▼
Rate2.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.04%▲ 0.18% above avg
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
3 Month Traditional CD
$0
2.20%
▲ 0.16% above national avg
▼
Rate2.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.16% above avg
Details
CD, Traditional IRA CD & Roth IRA CD Accounts
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
3-Month Certificate
$0
2.20%
▲ 0.16% above national avg
▼
Rate2.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.16% above avg
Details
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
90 Day
$0
2.17%
▲ 0.13% above national avg
▼
Rate2.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.04%▲ 0.13% above avg
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
3 Month Traditional CD
$0
2.15%
▲ 0.11% above national avg
▼
Rate2.13%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.11% above avg
Details
CD, Traditional IRA CD & Roth IRA CD Accounts
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
3-Month Certificate
$0
2.15%
▲ 0.11% above national avg
▼
Rate2.13%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.11% above avg
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
3 Month Traditional CD
$0
2.10%
▲ 0.06% above national avg
▼
Rate2.08%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.06% above avg
Details
CD, Traditional IRA CD & Roth IRA CD Accounts
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
3-Month Certificate
$0
2.10%
▲ 0.06% above national avg
▼
Rate2.08%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.06% above avg
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
3 Month Traditional CD
$0
2.05%
▲ 0.01% above national avg
▼
Rate2.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.01% above avg
Details
CD, Traditional IRA CD & Roth IRA CD Accounts
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
90 Day
$0
2.02%
▼ 0.02% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.04%▼ 0.02% below avg
Details
Croswell 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
6 month - 4H or FFA CD
$0
5.05%
▲ 2.30% above national avg
▼
Rate4.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 2.30% above avg
Details
Amount of 4H or FFA - Youth Fair Participation Check; Max $5,000
FreeStar Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Six Month - Military - 6 Month
$500
5.00%
▲ 2.25% above national avg
▼
Rate4.89%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 2.25% above avg
Details
Qualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
6 month SmartStart Youth CD
$100
5.00%
▲ 2.25% above national avg
▼
Rate4.88%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 2.25% above avg
Details
Available for members under the age of 21; 1 per member; Members may open a 2nd CD if joint owner has an Elite Checking Account
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
6 Month Certificate of Deposit
$0
4.10%
▲ 1.35% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.35% above avg
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
IRA Certificate of Deposit - 6 Months
$0
4.10%
▲ 1.35% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.35% above avg
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
6 Month Special Certificate
$500
4.05%
▲ 1.30% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.30% above avg
Details
Pair a certificate special with an Ultra Checking account and earn up to 4.05% APY for 6 months. IRA eligible. Rates include a 0.10% APY increase when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. If requirements are not met, rates are 3.95% for 6 months. 6 month certificate renews to 6 month standard certificate at maturity.
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
Term Share Certificates - 6 Month
$100
4.02%
▲ 1.27% above national avg
▼
Rate3.95%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.27% above avg
Details
All rates are subject to change without prior notice. These rates replace previously dated rates. These rates are for Circle Federal Credit Union members only. Membership required. Must qualify for Membership. Federally Insured by the NCUA up to $250,000. Equal Opportunity Lender.
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
6 Month Certificate
$500
4.00%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.75%▲ 1.25% above avg
Details
Substantial penalty for early withdrawals.
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
6 Month IRA Certificate
$0
4.00%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.75%▲ 1.25% above avg
Details
IRA - Individual accounts only
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
6 Month Youth
$100
4.00%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.75%▲ 1.25% above avg
Details
Substantial penalty for early withdrawals.
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
6 Month Certificate of Deposit
$2,500
4.00%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
6 Month IRA Certificate of Deposit
$2,500
4.00%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details
FreeStar Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Six Month - 6 Month
$500
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.27%
6 Month Certificate of Deposit
$500
4.00%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
6 Month CD SPECIAL
$0
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details
CD SPECIAL! Effective Date: September 1, 2026. Early withdrawal penalties apply.
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
6 Month Certificate
$0
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details
Effective Date: September 1, 2026. Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply.
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
6-Month HYRC Certificate
$1,000
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details
High-Yield Rewards Checking Account required
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
6 Month Jumbo Share Certificates
$0
3.96%
▲ 1.21% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.21% above avg
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
6 Month Certificate Special
$0
3.95%
▲ 1.20% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.20% above avg
Details
APY with Bonus Rate: 4.05%. Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00.
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
6 Month Certificate Special - 6 months
$0
3.95%
▲ 1.20% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.20% above avg
Details
Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. Highlighted rows are current specials.
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
6 Month Certificate
$0
3.95%
▲ 1.20% above national avg
▼
Rate3.91%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.20% above avg
Details
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
Third 6-month Term
$0
3.92%
▲ 1.17% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.75%▲ 1.17% above avg
Details
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
6 Month Certificate
$1,000
3.90%
▲ 1.15% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.15% above avg
Details
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
Simple CDs - 6 Months
$0
3.90%
▲ 1.15% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.15% above avg
Details
West Shore Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
6 Month CD Specials
$0
3.80%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.75%▲ 1.05% above avg
Details
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
6 MONTH CD
$50,000
3.80%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.05% above avg
Details
AAC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Certificates of Deposit - 6 Month
$0
3.80%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.05% above avg
Details
Rates also apply to IRA and HSA Certificates of Deposit.
Advantage One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
6-Month Certificate
$0
3.80%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.05% above avg
Details
Wolverine State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
6 MONTH YOUTH CD
$100
3.79%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.04% above avg
Details
Advantage One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
6-Month Youth Certificate
$0
3.79%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.04% above avg
Details
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
6 Month Certificates & IRA Certificates of Deposit
$0
3.75%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
6 Month Certificates of Deposit
$0
3.75%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
Harborlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
6 Month Certificates of Deposit
$0
3.75%
▲ 1.00% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
6 Month Certificates of Deposit and IRA Certificates of Deposit
$500
3.75%
▲ 1.00% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
0.10% APY bonus earned if you also have a M1 Premier Checking Account.
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
Youth Certificate 6 month
$0
3.75%
▲ 1.00% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
Youth Certificates ($200 min. $1000 max). 3.75% at maturity. Early withdrawal penalties apply.
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
6 Month CD Special
$500
3.75%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
GR Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
6 Month Certificate
$0
3.75%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
6-Month Certificate
$1,000
3.75%
▲ 1.00% above national avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
PORT CITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Months Certificate
$500
3.75%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
6 Month Certificate
$1,000
3.71%
▲ 0.96% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.96% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
6-Month Certificate or IRA-HSA Jumbo
$100,000
3.70%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.95% above avg
Details
Valid Thru: 09/13/2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
6-Month Certificate or IRA-HSA Jumbo - 6 Months
$0
3.70%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.95% above avg
Details
Valid Thru: 09/13/2026
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
6 MONTH CD
$500
3.70%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.95% above avg
Details
Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
6-MONTH CD
$500
3.70%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.95% above avg
Details
New Money Required; Offer subject to change or cancellation at any time without notice.
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
6 month CD Special
$0
3.69%
▲ 0.94% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.94% above avg
Details
Limited time offer begins 8/4/25. Rates subject to change. A penalty may be imposed for early withdrawal. Corresponding APR: 3.69%.
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
Second 6-month Term
$0
3.66%
▲ 0.91% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.75%▲ 0.91% above avg
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
6 Month Youth Certificate
$0
3.66%
▲ 0.91% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.91% above avg
Details
APY will vary depending on the initial certificate deposit amount. There is a penalty for early withdrawal.
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
6 Month Share Certificate
$0
3.65%
▲ 0.90% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 0.90% above avg
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
6 MONTH CERTIFICATE
$3,000
3.65%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$3,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.90% above avg
Details
Safe Harbor Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.11%
6 Month High Yield
$1,000
3.65%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.90% above avg
Details
Croswell 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Security Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
5200 Peck Rd, Croswell, MI 48422 1462
1 Year Share Certificates of Deposit
$0
3.55%
▲ 0.63% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.63% above avg
Details
Security Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
5200 Peck Rd, Croswell, MI 48422 1462
IRA Share Certificates of Deposit - 1 year
$0
3.55%
▲ 0.63% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.63% above avg
Details
Security Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
5200 Peck Rd, Croswell, MI 48422 1462
Share Certificate of Deposit - 1 year
$0
3.55%
▲ 0.63% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.63% above avg
Details
Diversified Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
12 Month Certificate
$0
5.15%
▲ 2.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 2.23% above avg
Details
Diversified Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
12 Month Legacy Certificate of Deposit
$0
5.15%
▲ 2.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 2.23% above avg
Details
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
12 Month Youth Special
$0
5.00%
▲ 2.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 2.08% above avg
Details
Best Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
12 Month Super Kids
$100
5.00%
▲ 2.08% above national avg
▼
Rate4.91%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 2.08% above avg
Details
Early Withdrawal Penalty: 90 days interest
FreeStar Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
iSave Youth - Military - 1 Year
$25
4.50%
▲ 1.58% above national avg
▼
Rate4.41%
Min Deposit$25
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.58% above avg
Details
Military Rate
FreeStar Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
iSave Youth (1 Year) - Military
$25
4.50%
▲ 1.58% above national avg
▼
Rate4.41%
Min Deposit$25
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.58% above avg
Details
Qualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.
FreeStar Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
One Year - Military - 1 Year
$500
4.50%
▲ 1.58% above national avg
▼
Rate4.41%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.58% above avg
Details
Qualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.
FreeStar Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Save to Win (1 year) - Military
$25
4.50%
▲ 1.58% above national avg
▼
Rate4.41%
Min Deposit$25
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.58% above avg
Details
Qualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.
FreeStar Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Save to Win - Military - 1 year
$25
4.50%
▲ 1.58% above national avg
▼
Rate4.41%
Min Deposit$25
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.58% above avg
Details
Military Rate
People Driven Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
1 Year Youth
$0
4.50%
▲ 1.58% above national avg
▼
Rate4.43%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.58% above avg
Details
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
12 Month Youth Share Certificate
$0
4.50%
▲ 1.58% above national avg
▼
Rate4.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.58% above avg
Details
Maximum $500
Wolverine State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
1 YEAR YOUTH CD
$100
4.34%
▲ 1.42% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.42% above avg
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
12-month CD
$1,000
4.15%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.23% above avg
Details
Featured rate
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
12 Month Certificate
$500
4.10%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.92%▲ 1.18% above avg
Details
Substantial penalty for early withdrawals.
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
12 Month IRA Certificate
$0
4.10%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.92%▲ 1.18% above avg
Details
IRA - Individual accounts only
Wolverine State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
1 YEAR CERTIFICATE
$500
4.08%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.16% above avg
Details
Family Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
Certificate of Deposit & IRA Certificate - 12 Month
$500
4.07%
▲ 1.15% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.15% above avg
Details
Wayne Westland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.94%
12 Month Certificate
$0
4.06%
▲ 1.14% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.14% above avg
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
1 Year IRA & SHARE CERTIFICATES
$500
4.06%
▲ 1.14% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.92%▲ 1.14% above avg
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
12 Month YOUTH
$0
4.06%
▲ 1.14% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.14% above avg
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1 Year Certificate
$50,000
4.06%
▲ 1.14% above national avg
▼
Rate4.00%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.14% above avg
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1 Year Mini Investment Certificate
$50,000
4.06%
▲ 1.14% above national avg
▼
Rate4.00%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.14% above avg
Details
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
12 Month Jumbo Share Certificates
$0
4.01%
▲ 1.09% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.92%▲ 1.09% above avg
Details
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
1 Year Certificate
$0
4.00%
▲ 1.08% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
Future Saver Plus - 12-month ($25)
$0
4.00%
▲ 1.08% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
Future Saver Plus - 12-month ($5,000.01)
$0
4.00%
▲ 1.08% above national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
12 Month Youth CD
$250
4.00%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Youth CDs are available for members 18 years and under. Certificate must be opened under youth's name and SSN. The CD must have the same joint member as the savings account it is tied to.
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
Youth Certificate 1 year
$0
4.00%
▲ 1.08% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Youth Certificates ($200 min. $1000 max). 4.00% at maturity. Early withdrawal penalties apply.
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
12 Month Certificate
$500
4.00%
▲ 1.08% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
12 Month IRA Certificate
$0
4.00%
▲ 1.08% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
12 Month Youth Certificate
$250
4.00%
▲ 1.08% above national avg
▼
Rate3.93%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
12-Month HYRC Certificate
$1,000
4.00%
▲ 1.08% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
High-Yield Rewards Checking Account required
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
1 Year Youth Flex Certificate
$0
4.00%
▲ 1.08% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Additional deposits of $10 or more up to the max limit allowed per day. Youth Flex Certificate is only for members from ages 0-21. One time option to change the rate offered on the same product. One time option to withdraw up to 25% of principal with no penalty.
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
NEW MONEY GenGrow 12-month CD
$0
4.00%
▲ 1.08% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
1
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
Simple CDs - 12 Months
$0
4.00%
▲ 1.08% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
12 month CD
$0
3.96%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.92%▲ 1.04% above avg
Details
Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
12 Month Certificates of Deposit
$500
3.96%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.92%▲ 1.04% above avg
Details
Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★Texas Ratio: 10.25%
Business Certificate of Deposit (CD) - 12 Month
$500
3.96%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.92%▲ 1.04% above avg
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
12 Month Certificate of Deposit
$2,500
3.95%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.03% above avg
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
12 Month IRA Certificate of Deposit
$2,500
3.95%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.03% above avg
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
12 Month Certificate of Deposit
$0
3.90%
▲ 0.98% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.98% above avg
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
IRA Certificate of Deposit - 12 Months
$0
3.90%
▲ 0.98% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.98% above avg
Details
Tri Cities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
12-month certificate
$1,000
3.88%
▲ 0.96% above national avg
▼
Rate3.81%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.96% above avg
Details
Fall CD Special. Penalty may apply for early withdrawal. Rates subject to change.
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
12 Month Jump
$500
3.85%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.92%▲ 0.93% above avg
Details
Substantial penalty for early withdrawals.
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
12 Month Youth Jump
$100
3.85%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.92%▲ 0.93% above avg
Details
Substantial penalty for early withdrawals.
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Jumbo Certificates - 12 Month Compounding
$0
3.85%
▲ 0.93% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.93% above avg
Details
University of Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
12 Month IRA Certificate
$100,000
3.85%
▲ 0.93% above national avg
▼
Rate3.78%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.93% above avg
Details
Croswell 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Security Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
5200 Peck Rd, Croswell, MI 48422 1462
1.5 Year Share Certificates of Deposit
$0
3.60%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.78% above avg
Details
Security Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
5200 Peck Rd, Croswell, MI 48422 1462
IRA Share Certificates of Deposit - 1.5 year
$0
3.60%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.78% above avg
Details
Security Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
5200 Peck Rd, Croswell, MI 48422 1462
Share Certificate of Deposit - 1.5 year
$0
3.60%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.78% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Relationship CD - 18 Month
$0
4.10%
▲ 1.28% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.28% above avg
Details
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
18 Month Certificate
$500
4.10%
▲ 1.28% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.82%▲ 1.28% above avg
Details
Substantial penalty for early withdrawals.
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
18 Month IRA Certificate
$0
4.10%
▲ 1.28% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.82%▲ 1.28% above avg
Details
IRA - Individual accounts only
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
18 Month Share Certificates
$1,000
4.10%
▲ 1.28% above national avg
▼
Rate4.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 1.28% above avg
Details
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
18 Month Certificate
$500
4.10%
▲ 1.28% above national avg
▼
Rate4.03%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.28% above avg
Details
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
18 Month IRA Certificate
$0
4.10%
▲ 1.28% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.28% above avg
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
18 Month Certificate
$0
4.01%
▲ 1.19% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.19% above avg
Details
Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
Jumbo and Jumbo IRA Certificates - 18 Months
$0
4.01%
▲ 1.19% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.19% above avg
Details
$100,000 and Above
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
18-month CD
$1,000
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
18 Month Certificate
$0
3.96%
▲ 1.14% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.14% above avg
Details
Penalty for early withdrawal.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
18 Month Term Certificates
$0
3.96%
▲ 1.14% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.14% above avg
Details
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
Simple CDs - 18 Months
$0
3.95%
▲ 1.13% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.13% above avg
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
18 Month CD
$10,000
3.91%
▲ 1.09% above national avg
▼
Rate3.85%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.09% above avg
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
18 Month IRA CD
$4,000
3.91%
▲ 1.09% above national avg
▼
Rate3.85%
Min Deposit$4,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.09% above avg
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
18 Month Certificate
$500
3.87%
▲ 1.05% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.05% above avg
Details
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
18 Month Jump Rate Certificate
$500
3.85%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.82%▲ 1.03% above avg
Details
Substantial penalty for early withdrawals.
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
18 Month Business 31 Certificate of Deposit
$0
3.85%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.03% above avg
Details
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
18 Month Compounding Certificates
$0
3.85%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.03% above avg
Details
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Compounding Certificates - 18 Month
$0
3.85%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.03% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
18 Month Certificate or IRA-HSA Jumbo
$100,000
3.85%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.03% above avg
Details
Valid Thru: 09/13/2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
18 Month Certificate or IRA-HSA Jumbo - 18 Months
$0
3.85%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.03% above avg
Details
Valid Thru: 09/13/2026
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
18 Month CD
$500
3.85%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.03% above avg
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
18 Month IRA CD
$500
3.85%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.03% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
CD - 18 Month
$0
3.80%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.98% above avg
Details
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
18 Month Certificate
$0
3.80%
▲ 0.98% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.98% above avg
Details
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
18 Month Business Regular CD
$2,500
3.80%
▲ 0.98% above national avg
▼
Rate3.80%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.98% above avg
Details
Interest paid & compounded quarterly
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
18 Month Certificate of Deposit - Regular & IRA
$500
3.80%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.98% above avg
Details
Interest paid & compounded quarterly
Dearborn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
18 MONTH VARIABLE RATE IRA
$100
3.79%
▲ 0.97% above national avg
▼
Rate3.73%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.97% above avg
Details
The interest rate and APY may change after account opening
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
18 Month Certificate
$0
3.75%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.82%▲ 0.93% above avg
Details
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
18 Month Business Regular CD
$2,500
3.75%
▲ 0.93% above national avg
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.93% above avg
Details
Interest paid quarterly
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
18 Month Certificate of Deposit - Regular & IRA
$500
3.75%
▲ 0.93% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.93% above avg
Details
Interest paid monthly
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
18 Month Certificate
$1,000
3.75%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.93% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
18 Month Certificate or IRA-HSA
$500
3.70%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.88% above avg
Details
Valid Thru: 09/13/2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
18 Month Certificate or IRA-HSA - 18 Months
$0
3.70%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.88% above avg
Details
Valid Thru: 09/13/2026
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
18-Month Certificate
$1,000
3.70%
▲ 0.88% above national avg
▼
Rate3.64%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.88% above avg
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
18 Month Certificate
$0
3.67%
▲ 0.85% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.85% above avg
Details
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
18 Month Certificate
$0
3.66%
▲ 0.84% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.82%▲ 0.84% above avg
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
18 Month Certificate of Deposit
$2,500
3.65%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.83% above avg
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
18 Month IRA Certificate of Deposit
$2,500
3.65%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.83% above avg
Details
AAC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Certificates of Deposit - 18 Month
$0
3.60%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.78% above avg
Details
Rates also apply to IRA and HSA Certificates of Deposit.
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
18 Month Certificates & IRA Certificates of Deposit
$0
3.60%
▲ 0.78% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.78% above avg
Details
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
18 Month Certificates of Deposit
$0
3.60%
▲ 0.78% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.78% above avg
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 MO IRA Certificate
$500
3.55%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 0.73% above avg
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month CD
$500
3.55%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 0.73% above avg
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
18 MONTH CERTIFICATE
$3,000
3.55%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$3,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.73% above avg
Details
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
18 Month Certificates
$500
3.54%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 0.72% above avg
Details
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Relationship CD 18-Months
$500
3.50%
▲ 0.68% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.68% above avg
Details
Dividends: Annually
Croswell 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Security Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
5200 Peck Rd, Croswell, MI 48422 1462
2 Year Share Certificates of Deposit
$0
3.45%
▲ 0.61% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.61% above avg
Details
Security Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
5200 Peck Rd, Croswell, MI 48422 1462
IRA Share Certificates of Deposit - 2 year
$0
3.45%
▲ 0.61% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.61% above avg
Details
Security Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
5200 Peck Rd, Croswell, MI 48422 1462
Share Certificate of Deposit - 2 year
$0
3.45%
▲ 0.61% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.61% above avg
Details
FreeStar Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Two Year - Military - 2 Year
$500
4.75%
▲ 1.91% above national avg
▼
Rate4.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.91% above avg
Details
Qualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
24 Month Certificate - $500
$500
4.20%
▲ 1.36% above national avg
▼
Rate4.12%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.36% above avg
Details
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
24 Month IRA Certificate
$0
4.20%
▲ 1.36% above national avg
▼
Rate4.12%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.36% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Relationship CD - 24 Month
$0
4.15%
▲ 1.31% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.31% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
2-Year Certificate or IRA-HSA Jumbo
$100,000
4.15%
▲ 1.31% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.31% above avg
Details
Valid Thru: 09/13/2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
2-Year Certificate or IRA-HSA Jumbo - 2 Years
$0
4.15%
▲ 1.31% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.31% above avg
Details
Valid Thru: 09/13/2026
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
24 Month Certificate
$500
4.10%
▲ 1.26% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 1.26% above avg
Details
Substantial penalty for early withdrawals.
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
24 Month IRA Certificate
$0
4.10%
▲ 1.26% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 1.26% above avg
Details
IRA - Individual accounts only
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2 Year IRA & SHARE CERTIFICATES
$500
4.06%
▲ 1.22% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.84%▲ 1.22% above avg
Details
United Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
24 Month CD Special
$0
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.84%▲ 1.16% above avg
Details
Limited time CD Special
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
2-Year Certificate or IRA-HSA
$500
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
Valid Thru: 09/13/2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
2-Year Certificate or IRA-HSA - 2 Years
$0
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
Valid Thru: 09/13/2026
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
24 Month Youth CD
$250
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
Youth CDs are available for members 18 years and under. Certificate must be opened under youth's name and SSN. The CD must have the same joint member as the savings account it is tied to.
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
24 Month Certificate
$1,000
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
Simple CDs - 24 Months
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
2 Year Certificate
$0
3.92%
▲ 1.08% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.84%▲ 1.08% above avg
Details
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
24 Month Jumbo Share Certificates
$0
3.91%
▲ 1.07% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.84%▲ 1.07% above avg
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
24 Month Certificate of Deposit
$0
3.90%
▲ 1.06% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.06% above avg
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
24-Month HYRC Certificate
$1,000
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.06% above avg
Details
High-Yield Rewards Checking Account required
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
24 Month Certificate
$500
3.87%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.03% above avg
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
24 Month Youth Certificate
$100
3.87%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.03% above avg
Details
Must be under 18 years of age
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
CD - 24 Month
$0
3.85%
▲ 1.01% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
24 Month Jump Rate Certificate
$500
3.85%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 1.01% above avg
Details
Substantial penalty for early withdrawals.
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
24 MONTH CD
$50,000
3.85%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
2 Year Certificate
$0
3.84%
▲ 1.00% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.00% above avg
Details
Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
Jumbo and Jumbo IRA Certificates - 2 Years
$0
3.84%
▲ 1.00% above national avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.00% above avg
Details
$100,000 and Above
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
24 Month Certificate
$0
3.80%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.84%▲ 0.96% above avg
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
24 Month CD
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
24 Month IRA CD
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
24 Month Business Regular CD
$2,500
3.80%
▲ 0.96% above national avg
▼
Rate3.80%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details
Interest paid & compounded quarterly
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
24 Month Certificate of Deposit - Regular & IRA
$500
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details
Interest paid & compounded quarterly
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
IRA Certificate - 24 months
$0
3.80%
▲ 0.96% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
2 Year Certificate
$0
3.79%
▲ 0.95% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.95% above avg
Details
Penalty for early withdrawal.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
2 Year Term Certificates
$0
3.79%
▲ 0.95% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.95% above avg
Details
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
24 Month Certificate
$1,000
3.76%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.92% above avg
Details
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Share Certificate - 24 Month
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.84%▲ 0.91% above avg
Details
FreeStar Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Two Year - 2 Year
$500
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
24 Month Business Regular CD
$2,500
3.75%
▲ 0.91% above national avg
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Interest paid quarterly
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
24 Month Certificate of Deposit - Regular & IRA
$500
3.75%
▲ 0.91% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Interest paid monthly
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
24 Month CD
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
24 Month IRA CD
$500
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
24 MONTH CD
$500
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
ADD ON 24 MO CERT
$100
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
IRA Certificate of Deposit - 24 Months
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
2 Year Certificate
$0
3.71%
▲ 0.87% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.84%▲ 0.87% above avg
Details
Michigan One Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
Regular CDs - 24 months
$500
3.70%
▲ 0.86% above national avg
▼
Rate3.63%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.86% above avg
Details
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
24 Month Certificate
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.86% above avg
Details
Croswell 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Security Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
5200 Peck Rd, Croswell, MI 48422 1462
3 Year Share Certificates of Deposit
$0
3.55%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.78% above avg
Details
Security Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
5200 Peck Rd, Croswell, MI 48422 1462
IRA Share Certificates of Deposit - 3 year
$0
3.55%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.78% above avg
Details
Security Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
5200 Peck Rd, Croswell, MI 48422 1462
Share Certificate of Deposit - 3 year
$0
3.55%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.78% above avg
Details
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
36 Month Certificate
$500
4.30%
▲ 1.53% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.77%▲ 1.53% above avg
Details
Substantial penalty for early withdrawals.
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
36 Month IRA Certificate
$0
4.30%
▲ 1.53% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.77%▲ 1.53% above avg
Details
IRA - Individual accounts only
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Share Certificate - 36 Month
$0
4.25%
▲ 1.48% above national avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.77%▲ 1.48% above avg
Details
FreeStar Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Three Year - Military - 3 Year
$500
4.25%
▲ 1.48% above national avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.48% above avg
Details
Qualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Relationship CD - 36 Month
$0
4.20%
▲ 1.43% above national avg
▼
Rate4.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.43% above avg
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
3 Year Certificate
$0
4.06%
▲ 1.29% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.29% above avg
Details
Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
Jumbo and Jumbo IRA Certificates - 3 Years
$0
4.06%
▲ 1.29% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.29% above avg
Details
$100,000 and Above
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
36 Month Jump Rate Certificate
$500
4.05%
▲ 1.28% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.77%▲ 1.28% above avg
Details
Substantial penalty for early withdrawals.
FNB of Wakefield
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
36 Month Certificate
$50,000
4.04%
▲ 1.27% above national avg
▼
Rate4.00%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.27% above avg
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
3 Year Certificate
$0
4.01%
▲ 1.24% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.24% above avg
Details
Penalty for early withdrawal.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
3 Year Term Certificates
$0
4.01%
▲ 1.24% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.24% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
3-Year Certificate or IRA-HSA Jumbo
$100,000
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.23% above avg
Details
Valid Thru: 09/13/2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
3-Year Certificate or IRA-HSA Jumbo - 3 Years
$0
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.23% above avg
Details
Valid Thru: 09/13/2026
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
36 Month Youth CD
$250
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.23% above avg
Details
Youth CDs are available for members 18 years and under. Certificate must be opened under youth's name and SSN. The CD must have the same joint member as the savings account it is tied to.
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
36 Month Certificate
$1,000
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.23% above avg
Details
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
Simple CDs - 36 Months
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.23% above avg
Details
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
3-Year Rising Rate Certificate of Deposit
$0
3.97%
▲ 1.20% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.77%▲ 1.20% above avg
Details
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
36 Month Jumbo Share Certificates
$0
3.96%
▲ 1.19% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.77%▲ 1.19% above avg
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
36 Month CD
$0
3.91%
▲ 1.14% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.14% above avg
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
36 Month IRA CD
$0
3.91%
▲ 1.14% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.14% above avg
Details
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
36 MONTH CD
$50,000
3.90%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.13% above avg
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
36 Month Certificate
$500
3.87%
▲ 1.10% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.10% above avg
Details
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
36 Month Certificate
$0
3.85%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.77%▲ 1.08% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
3-Year Certificate or IRA-HSA
$500
3.85%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.08% above avg
Details
Valid Thru: 09/13/2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
3-Year Certificate or IRA-HSA - 3 Years
$0
3.85%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.08% above avg
Details
Valid Thru: 09/13/2026
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
IRA Certificate - 36 months
$0
3.85%
▲ 1.08% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.08% above avg
Details
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
36 Month Certificate
$1,000
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details
Extra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
36 Month Certificate
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
36 Month Business Regular CD
$2,500
3.80%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Interest paid & compounded quarterly
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
36 Month Certificate of Deposit - Regular & IRA
$500
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Interest paid & compounded quarterly
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
36 MONTH CD
$500
3.80%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Jumbo Term Share Certificates - 3 Years
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
3-Year Certificate of Deposit
$0
3.76%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.77%▲ 0.99% above avg
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
36 Month IRAs - Regular Certificates
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
36 Month Regular Certificates
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
APY is 3.75% for IRAs.
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
36 Month Business Regular CD
$2,500
3.75%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Interest paid quarterly
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
36 Month Certificate of Deposit - Regular & IRA
$500
3.75%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Interest paid monthly
Best Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
36 Month Certificate
$500
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Early Withdrawal Penalty: 180 days interest
Best Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.98%
IRA Certificates - 36 Month
$500
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Early Withdrawal Penalty: 180 days interest
Michigan One Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
Regular CDs - 36 months
$500
3.75%
▲ 0.98% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
36 Month Certificate
$500
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
36 Month IRA Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
36-Month HYRC Certificate
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
High-Yield Rewards Checking Account required
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
36 Month Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
3-Year Rising Rate Certificate of Deposit
$0
3.71%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.77%▲ 0.94% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
CD - 36 Month
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.93% above avg
Details
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
3 Year Certificate
$0
3.66%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.77%▲ 0.89% above avg
Details
Croswell 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Security Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
5200 Peck Rd, Croswell, MI 48422 1462
4 Year Share Certificates of Deposit
$0
3.60%
▲ 0.82% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.82% above avg
Details
Security Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
5200 Peck Rd, Croswell, MI 48422 1462
IRA Share Certificates of Deposit - 4 year
$0
3.60%
▲ 0.82% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.82% above avg
Details
Security Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
5200 Peck Rd, Croswell, MI 48422 1462
Share Certificate of Deposit - 4 year
$0
3.60%
▲ 0.82% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.82% above avg
Details
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Share Certificate - 48 Month
$0
4.50%
▲ 1.72% above national avg
▼
Rate4.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.72% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Relationship CD - 48 Month
$0
4.25%
▲ 1.47% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.47% above avg
Details
FreeStar Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Four Year - Military - 4 Year
$500
4.25%
▲ 1.47% above national avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.47% above avg
Details
Qualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
48 Month Certificate
$500
4.15%
▲ 1.37% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.78%▲ 1.37% above avg
Details
Substantial penalty for early withdrawals.
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
48 Month IRA Certificate
$0
4.15%
▲ 1.37% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.78%▲ 1.37% above avg
Details
IRA - Individual accounts only
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
4 Year Certificate
$0
4.09%
▲ 1.31% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.31% above avg
Details
Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
Jumbo and Jumbo IRA Certificates - 4 Years
$0
4.09%
▲ 1.31% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.31% above avg
Details
$100,000 and Above
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
48 Month Jumbo Share Certificates
$0
4.06%
▲ 1.28% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 1.28% above avg
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
4 Year Certificate
$0
4.04%
▲ 1.26% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.26% above avg
Details
Penalty for early withdrawal.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
4 Year Term Certificates
$0
4.04%
▲ 1.26% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.26% above avg
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
48 Month CD
$0
4.01%
▲ 1.23% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.23% above avg
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
48 Month IRA CD
$0
4.01%
▲ 1.23% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.23% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
4-Year Certificate or IRA-HSA Jumbo
$100,000
4.00%
▲ 1.22% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.22% above avg
Details
Valid Thru: 09/13/2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
4-Year Certificate or IRA-HSA Jumbo - 4 Years
$0
4.00%
▲ 1.22% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.22% above avg
Details
Valid Thru: 09/13/2026
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
48 MONTH CD
$50,000
3.95%
▲ 1.17% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.17% above avg
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
48 Month Certificate
$500
3.92%
▲ 1.14% above national avg
▼
Rate3.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.14% above avg
Details
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
48 Month Certificate
$0
3.90%
▲ 1.12% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.78%▲ 1.12% above avg
Details
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
48 Month Jump Rate Certificate
$500
3.90%
▲ 1.12% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.78%▲ 1.12% above avg
Details
Substantial penalty for early withdrawals.
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Jumbo Term Share Certificates - 4 Years
$0
3.90%
▲ 1.12% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.12% above avg
Details
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
Simple CDs - 48 Months
$0
3.90%
▲ 1.12% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.12% above avg
Details
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
48 Month Certificate
$1,000
3.87%
▲ 1.09% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.09% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
4-Year Certificate or IRA-HSA
$500
3.85%
▲ 1.07% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.07% above avg
Details
Valid Thru: 09/13/2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
4-Year Certificate or IRA-HSA - 4 Years
$0
3.85%
▲ 1.07% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.07% above avg
Details
Valid Thru: 09/13/2026
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
48 Month IRAs - Regular Certificates
$0
3.85%
▲ 1.07% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.07% above avg
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
48 Month Regular Certificates
$0
3.85%
▲ 1.07% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.07% above avg
Details
APY is 3.85% for IRAs.
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
48 MONTH CD
$500
3.85%
▲ 1.07% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.07% above avg
Details
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
IRA Certificate - 48 months
$0
3.85%
▲ 1.07% above national avg
▼
Rate3.77%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.07% above avg
Details
Michigan One Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
Regular CDs - 48 months
$500
3.80%
▲ 1.02% above national avg
▼
Rate3.73%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.02% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
CD - 48 Month
$0
3.75%
▲ 0.97% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
48 Month Share Certificate
$0
3.75%
▲ 0.97% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 0.97% above avg
Details
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
48 Month Certificate
$1,000
3.75%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
48 Month Certificate
$0
3.75%
▲ 0.97% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
CD: Tier V - 48 months
$0
3.70%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.92% above avg
Details
minimum $250,000; Dividends Paid: annually
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
4 Year Certificate
$0
3.65%
▲ 0.87% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.87% above avg
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
4-year IRA Certificate
$0
3.65%
▲ 0.87% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.87% above avg
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
Business Certificates - 4-Year
$0
3.65%
▲ 0.87% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.87% above avg
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
Fixed-Rate Certificates - 4-year
$0
3.65%
▲ 0.87% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.87% above avg
Details
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
48 Month CD Tier I
$500
3.65%
▲ 0.87% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.87% above avg
Details
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
CD IRA - 48 mos
$0
3.65%
▲ 0.87% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.87% above avg
Details
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
CD: Tier II - 48 months
$0
3.65%
▲ 0.87% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.87% above avg
Details
minimum $10,000; Dividends Paid: annually
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
CD: Tier III - 48 months
$0
3.65%
▲ 0.87% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.87% above avg
Details
minimum $50,000
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
CD: Tier IV - 48 months
$0
3.65%
▲ 0.87% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.87% above avg
Details
minimum $100,000
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
48 Month IRA/HSA CD
$500
3.65%
▲ 0.87% above national avg
▼
Rate3.59%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.87% above avg
Details
VIP Bonus Rate: 3.83%, VIP Bonus APY: 3.90%. Rates as of 09/12/26 and subject to change.
Isabella Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
Certificates of Deposit & IRA Certificates - 48 months
$0
3.60%
▲ 0.82% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.82% above avg
Details
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
48 Month Certificates of Deposit
$0
3.60%
▲ 0.82% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.82% above avg
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.53%
Business Share Certificate - 48 Months
$0
3.60%
▲ 0.82% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.82% above avg
Details
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
48 Month Certificates & IRA Certificates of Deposit
$0
3.60%
▲ 0.82% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.82% above avg
Details
Croswell 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Security Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
5200 Peck Rd, Croswell, MI 48422 1462
5 Year Share Certificates of Deposit
$0
3.65%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.79% above avg
Details
Security Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
5200 Peck Rd, Croswell, MI 48422 1462
IRA Share Certificates of Deposit - 5 year
$0
3.65%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.79% above avg
Details
Security Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
5200 Peck Rd, Croswell, MI 48422 1462
Share Certificate of Deposit - 5 year
$0
3.65%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.79% above avg
Details
Security Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
5200 Peck Rd, Croswell, MI 48422 1462
2.5 Year Share Certificates of Deposit
$0
3.50%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.64% above avg
Details
Security Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
5200 Peck Rd, Croswell, MI 48422 1462
IRA Share Certificates of Deposit - 2.5 year
$0
3.50%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.64% above avg
Details
Security Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
5200 Peck Rd, Croswell, MI 48422 1462
Share Certificate of Deposit - 2.5 year
$0
3.50%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.64% above avg
Details
Michigan One Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
Minor CD Special - 60 months
$100
5.12%
▲ 2.26% above national avg
▼
Rate5.00%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 2.26% above avg
Details
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Share Certificate - 60 Month
$0
4.50%
▲ 1.64% above national avg
▼
Rate4.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.86%▲ 1.64% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Relationship CD - 60 Month
$0
4.35%
▲ 1.49% above national avg
▼
Rate4.28%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.49% above avg
Details
FreeStar Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Five Year - Military - 5 Year
$500
4.25%
▲ 1.39% above national avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.39% above avg
Details
Qualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the rate increase. Offer is subject to qualification and can change without notice. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
60 Month Certificate
$500
4.15%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.86%▲ 1.29% above avg
Details
Substantial penalty for early withdrawals.
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
60 Month IRA Certificate
$0
4.15%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.86%▲ 1.29% above avg
Details
IRA - Individual accounts only
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
60 Month Jumbo Share Certificates
$0
4.11%
▲ 1.25% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.86%▲ 1.25% above avg
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
60 Month CD
$0
4.11%
▲ 1.25% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.25% above avg
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
60 Month IRA CD
$0
4.11%
▲ 1.25% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.25% above avg
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
5 Year Certificate
$0
4.08%
▲ 1.22% above national avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.22% above avg
Details
Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
Jumbo and Jumbo IRA Certificates - 5 Years
$0
4.08%
▲ 1.22% above national avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.22% above avg
Details
$100,000 and Above
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
60 Month Jumbo Business Certificates
$0
4.07%
▲ 1.21% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.21% above avg
Details
Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice.
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
60 Month Jumbo Certificates
$0
4.07%
▲ 1.21% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.21% above avg
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
60 Month Jumbo HSA Certificates
$0
4.07%
▲ 1.21% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.21% above avg
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
Jumbo Certificates 60 months
$0
4.07%
▲ 1.21% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.21% above avg
Details
APY = Annual Percentage Yield.; Dividends are compounded & credited monthly.; There is a penalty for early withdrawal.; Rates are subject to change without notice.
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
Jumbo IRA Certificates 60 months
$0
4.07%
▲ 1.21% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.21% above avg
Details
Balance: $100,000 minimum balance
Extra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
60 Month Certificate
$0
4.06%
▲ 1.20% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.20% above avg
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
5-Year Certificate or IRA-HSA Jumbo
$100,000
4.05%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.19% above avg
Details
Valid Thru: 09/13/2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
5-Year Certificate or IRA-HSA Jumbo - 5 Years
$0
4.05%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.19% above avg
Details
Valid Thru: 09/13/2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
5 Year Certificate
$0
4.03%
▲ 1.17% above national avg
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.17% above avg
Details
Penalty for early withdrawal.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
5 Year Term Certificates
$0
4.03%
▲ 1.17% above national avg
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.17% above avg
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Jumbo Term Share Certificates - 5 Years
$0
4.00%
▲ 1.14% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.14% above avg
Details
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
3 - 60 Month Simple CDs
$500
4.00%
▲ 1.14% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.14% above avg
Details
APY assumes interest payouts remain in your certificate account until maturity. Interest rate is guaranteed for the length of the term. An early withdrawal penalty may be applied when a withdrawal is made prior to maturity of the certificate and could result in loss of principal.
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
60 Month Certificate
$500
3.97%
▲ 1.11% above national avg
▼
Rate3.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.11% above avg
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
60 Month IRAs - Regular Certificates
$0
3.96%
▲ 1.10% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.10% above avg
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
60 Month Regular Certificates
$0
3.96%
▲ 1.10% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.10% above avg
Details
APY is 3.96% for IRAs.
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
60 MONTH CD
$50,000
3.95%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.09% above avg
Details
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
60 Month Certificate
$1,000
3.92%
▲ 1.06% above national avg
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.06% above avg
Details
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
60 Month Certificate
$0
3.90%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.86%▲ 1.04% above avg
Details
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
60 Month Jump Rate Certificate
$500
3.90%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.86%▲ 1.04% above avg
Details
Substantial penalty for early withdrawals.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
5-Year Certificate or IRA-HSA
$500
3.90%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.04% above avg
Details
Valid Thru: 09/13/2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
5-Year Certificate or IRA-HSA - 5 Years
$0
3.90%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.04% above avg
Details
Valid Thru: 09/13/2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
60 Mo. IRA CD VIP
$500
3.90%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.04% above avg
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
60 Month IRA/HSA CD
$500
3.90%
▲ 1.04% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.04% above avg
Details
VIP Bonus Rate: 4.07%, VIP Bonus APY: 4.15%. Rates as of 09/12/26 and subject to change.
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
IRA Certificate - 60 months
$0
3.90%
▲ 1.04% above national avg
▼
Rate3.82%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.04% above avg
Details
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
Simple CDs - 60 Months
$0
3.90%
▲ 1.04% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.04% above avg
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
CD - 60 Month
$0
3.85%
▲ 0.99% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.99% above avg
Details
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
60 MONTH CD
$500
3.85%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.99% above avg
Details
Michigan One Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
Regular CDs - 60 months
$500
3.85%
▲ 0.99% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.99% above avg
Details
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
60 Month Share Certificate
$0
3.80%
▲ 0.94% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.86%▲ 0.94% above avg
Details
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
60 Month Certificate
$0
3.80%
▲ 0.94% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.94% above avg
Details
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
60 Month CD Tier I
$500
3.75%
▲ 0.89% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.89% above avg
Details
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
CD IRA - 60 mos
$0
3.75%
▲ 0.89% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.89% above avg
Details
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
CD: Tier II - 60 months
$0
3.75%
▲ 0.89% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.89% above avg
Details
minimum $10,000; Dividends Paid: annually
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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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.
12-Month CD MI Avg
2.921%
▲ 0.081 vs 7 days ago
Michigan 12-month CD rates rose 0.081 points over the past 7 days to 2.921% APY.
6-Month CD MI Avg
2.746%
▲ 0.076 vs 7 days ago
Michigan 6-month CD rates rose 0.076 points over the past 7 days to 2.746% APY.
As of Sep 16, 2026 • Rate data sourced from 8,500+ monitored institutions
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MI CD Rate Forecast, Next 12 Months
Where are Michigan CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MI 12-Month Avg APY
2.921%
6-Month Forecast
2.921%
Range: 2.72% – 3.07%
12-Month Forecast
3.171%
Range: 2.97% – 3.32%
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What Your Savings Earn at MI CD Rates Today
Annual interest earnings at today’s Michigan average APYs. State average used where available; national average as fallback.
| CD Term | MI Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.043% | $102.14 | $204.28 | $510.70 | $1,021.40 |
| 6-Month CD | 2.746% | $137.27 | $274.55 | $686.37 | $1,372.75 |
| 12-Month CD | 2.921% | $146.06 | $292.11 | $730.28 | $1,460.55 |
| 18-Month CD | 2.824% | $141.19 | $282.38 | $705.95 | $1,411.90 |
| 24-Month CD | 2.843% | $142.16 | $284.32 | $710.80 | $1,421.60 |
| 36-Month CD | 2.765% | $138.26 | $276.52 | $691.30 | $1,382.60 |
| 48-Month CD | 2.778% | $138.91 | $277.82 | $694.55 | $1,389.10 |
| 60-Month CD | 2.858% | $142.91 | $285.81 | $714.53 | $1,429.05 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 16, 2026. | |||||
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.
| Rung | Term | Deposit | MI Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.043% | $102.14 |
| 2 | 6-Month CD | $5,000 | 2.746% | $137.27 |
| 3 | 12-Month CD | $5,000 | 2.921% | $146.06 |
| 4 | 24-Month CD | $5,000 | 2.843% | $142.16 |
| 5 | 36-Month CD | $5,000 | 2.765% | $138.26 |
| Total ($25,000 invested) | $25,000 | 2.664% blended | $665.89/yr | |
Ladder example uses equal $5,000 rungs and Michigan average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,697
CD Rates
Tracked in Croswell, Michigan
Tracked in Croswell, Michigan
15 Banks
95 Credit Unions
About Our Croswell, Michigan CD Rate Database
MonitorBankRates tracks 1,697 CD rates from 15 banks and 95 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 (1–5), 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 95 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: 110 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Croswell, Michigan savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Croswell, Michigan money market rates
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
$99/yr
At MI 12-mo avg 2.921% 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 2.921%, saving 10% of the local median salary ($3,387/year) and putting it in a CD would earn an additional $99 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 (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Croswell, Michigan
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in 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.
Choosing a CD Term in Croswell, Michigan
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Croswell, Michigan savers easier access to their funds. For example, United Financial Credit Union is offering its 6 month - 4H or FFA CD at 5.05% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Security Credit Union is offering its 5 Year Share Certificates of Deposit 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 for Croswell, Michigan Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a 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 in Croswell, Michigan
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the 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 in Croswell, Michigan
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
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 (5 Year Share Certificates of Deposit)
- Diversified Members Credit Union: 5.15% APY (12 Month Certificate)
- Michigan One Community Credit Union: 5.12% APY (Minor CD Special - 60 months)
- United Financial Credit Union: 5.05% APY (6 month - 4H or FFA CD)
- OMNI Community Credit Union: 5.00% APY (12 Month Youth Special)
- FreeStar Financial Credit Union: 5.00% APY (Six Month - Military - 6 Month)
- Best Financial Credit Union: 5.00% APY (12 Month Super Kids)
- Gerber Federal Credit Union: 4.50% APY (Share Certificate - 48 Month)
- People Driven Credit Union: 4.50% APY (1 Year Youth)
- Intandem Credit Union: 4.50% APY (12 Month Youth Share Certificate)
Rates reflect recent verified offers available in Croswell, Michigan. Last Updated: September 16, 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 30–180 days of interest. Estimates are for informational purposes only.
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 LadderMI CD rates currently range from 2.043% (3-month) to 2.765% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Croswell, Michigan CD at 3.65% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsMichigan’s average 12-month CD is 2.921% 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: September 16, 2026
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