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CD Rate Trends

East Grand Rapids, Michigan Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 12, 2026

East Grand Rapids, Michigan CD rates from banks and credit unions serving Michigan range from 2.75% to 5.25% APY, verified by MonitorBankRates as of October 12, 2026. Current East Grand Rapids, Michigan CD rates include FreeStar Financial Credit UnionFreeStar Financial Credit UnionA5.0 ★Texas Ratio: 7.11%Real return: +2.45%APY minus CPI (February 2026) offering 18-Month Special - Military at 5.25% APY, Diversified Members Credit UnionDiversified Members Credit UnionA+5.0 ★Texas Ratio: 5.06%Real return: +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: 4.80%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: 5.54%Real return: +2.25%APY minus CPI (February 2026) offering 6 month - 4H or FFA CD at 5.05% APY, and First National Bank of MichiganFirst National Bank of MichiganA5.0 ★Texas Ratio: 7.32%Real return: +2.20%APY minus CPI (February 2026) offering 3-Year Rising Rate Certificate of Deposit - Year 3 term at 5.00% APY. CD rates as of October 12, 2026 according to verified data from MonitorBankRates.

East Grand Rapids is a smaller community with no bank or credit union branches currently in our database. 738 institutions serving the Michigan area are available to East Grand Rapids residents, with CD rates as high as 5.25% APY from FreeStar Financial Credit Union. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 12, 2026

Compare Best CD Rates in East Grand Rapids, Michigan & the Surrounding Area

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East Grand Rapids 3 Month CD Rates

Michigan 3 Month CD Average2.12% APYNational 2.10%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Simple CDs - 3 Months
$0
4.35% ▲ 2.23% above Michigan avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.12%▲ 2.23% above avgNationally 2.10%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 14, 2026: 4.00% APYOct 6, 2026: 4.35% APYSep 14, 2026Oct 12, 2026
  • Oct 6, 20264.35%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
Jumbo CD 3 Months
$3,000,000
4.32% ▲ 2.20% above Michigan avg
View
▼
Rate4.25%
Min Deposit$3,000,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.12%▲ 2.20% above avgNationally 2.10%
Details

Max: $6,000,000

Rate History
No change since Sep 21, 2026 · 4.32% APY · checked 4 times
3.82%4.32%4.82%Sep 21, 2026: 4.32% APYSep 21, 2026Oct 12, 2026
First State Bank (MI)
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
90 Day Jumbo CD
$0
4.10% ▲ 1.98% above Michigan avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.12%▲ 1.98% above avgNationally 2.10%
Details

Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 7, 2026: 4.10% APYOct 7, 2026Oct 12, 2026
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
Jumbo CD 3 Months
$500,000
4.06% ▲ 1.94% above Michigan avg
View
▼
Rate4.00%
Min Deposit$500,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.12%▲ 1.94% above avgNationally 2.10%
Details

Max: $6,000,000

Rate History
No change since Sep 21, 2026 · 4.06% APY · checked 4 times
3.56%4.06%4.56%Sep 21, 2026: 4.06% APYSep 21, 2026Oct 12, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3-Month Certificate
$0
4.00% ▲ 1.88% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.12%▲ 1.88% above avgNationally 2.10%
Details

No minimum deposit.

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 12, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3 Month Share Certificate
$1,000
4.00% ▲ 1.88% above Michigan avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.12%▲ 1.88% above avgNationally 2.10%
Details

Limited Time 3-Month and 6-Month Share Certificates available on new Certificates. This is a promotional yield. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity.

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 12, 2026
West Shore Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
3 Month CD Specials
$500
3.90% ▲ 1.78% above Michigan avg
View
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Michigan Average2.12%▲ 1.78% above avgNationally 2.10%
Details

Rate History
No change since Sep 11, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 11, 2026: 3.90% APYSep 11, 2026Oct 12, 2026
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
3 Month Certificate of Deposit
$0
3.85% ▲ 1.73% above Michigan avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.12%▲ 1.73% above avgNationally 2.10%
Details

Rate History
1 change since Sep 18, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60%
3.10%3.72%4.35%Sep 18, 2026: 3.60% APYSep 24, 2026: 3.85% APYSep 18, 2026Oct 12, 2026
  • Sep 24, 20263.85%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Time Certificate of Deposit - 3 Month
$0
3.85% ▲ 1.73% above Michigan avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.12%▲ 1.73% above avgNationally 2.10%
Details

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 12, 2026
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
3-Month Certificate
$1,000
3.85% ▲ 1.73% above Michigan avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.12%▲ 1.73% above avgNationally 2.10%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 18, 2026: 3.75% APYSep 27, 2026: 3.85% APYSep 18, 2026Oct 12, 2026
  • Sep 27, 20263.85%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Independent Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
3-Month CD Special
$1,000
3.76% ▲ 1.64% above Michigan avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.12%▲ 1.64% above avgNationally 2.10%
Details

Rate History
2 changes since Sep 18, 2026 · 3.56% → 3.76% ▲ 0.20 pts · high 3.76% / low 3.56%
3.06%3.66%4.26%Sep 18, 2026: 3.56% APYSep 24, 2026: 3.66% APYOct 2, 2026: 3.76% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20263.76%▲ from 3.66%
  • Sep 24, 20263.66%▲ from 3.56%
  • Sep 18, 20263.56%first recorded
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month IRA Certificate
$0
3.60% ▲ 1.48% above Michigan avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Michigan Average2.12%▲ 1.48% above avgNationally 2.10%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 12, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month Share Certificates
$0
3.60% ▲ 1.48% above Michigan avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Michigan Average2.12%▲ 1.48% above avgNationally 2.10%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 12, 2026
Highpoint Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
90 Day (3 Month) Certificate
$0
3.55% ▲ 1.43% above Michigan avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.12%▲ 1.43% above avgNationally 2.10%
Details

Rate History
No change since Oct 7, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 7, 2026: 3.55% APYOct 7, 2026Oct 12, 2026
St Francis X Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
3 Month CD & IRA CD
$0
3.50% ▲ 1.38% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Michigan Average2.12%▲ 1.38% above avgNationally 2.10%
Details

Second Tier APY: 3.60%

Rate History
No change since Oct 8, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 12, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
3-Month Certificate or IRA-HSA Jumbo
$100,000
3.40% ▲ 1.28% above Michigan avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.12%▲ 1.28% above avgNationally 2.10%
Details

Rate History
1 change since Sep 14, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15%
2.65%3.28%3.90%Sep 14, 2026: 3.15% APYSep 25, 2026: 3.40% APYSep 14, 2026Oct 12, 2026
  • Sep 25, 20263.40%▲ from 3.15%
  • Sep 14, 20263.15%first recorded
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3 Month Term Share Certificates
$1,000
3.40% ▲ 1.28% above Michigan avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.12%▲ 1.28% above avgNationally 2.10%
Details

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 12, 2026
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Jumbo Term Share Certificates - 3 Months
$0
3.40% ▲ 1.28% above Michigan avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.12%▲ 1.28% above avgNationally 2.10%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 12, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Month IRA/HSA CD
$0
3.30% ▲ 1.18% above Michigan avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.12%▲ 1.18% above avgNationally 2.10%
Details

VIP Bonus Rate: 3.49%, VIP Bonus APY: 3.55%

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 5 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 12, 2026
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
90 Day Certificate
$500
3.29% ▲ 1.17% above Michigan avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.12%▲ 1.17% above avgNationally 2.10%
Details

Interest Period Compounded & Credited: Quarterly

Rate History
No change since Sep 18, 2026 · 3.29% APY · checked 6 times
2.79%3.29%3.79%Sep 18, 2026: 3.29% APYSep 18, 2026Oct 12, 2026
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
90 Day Youth
$100
3.29% ▲ 1.17% above Michigan avg
View
▼
Rate3.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.12%▲ 1.17% above avgNationally 2.10%
Details

Interest Period Compounded & Credited: Quarterly

Rate History
No change since Sep 18, 2026 · 3.29% APY · checked 6 times
2.79%3.29%3.79%Sep 18, 2026: 3.29% APYSep 18, 2026Oct 12, 2026
Bank of Ann Arbor
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
3 Month Retail CD
$0
3.25% ▲ 1.13% above Michigan avg
View
▼
Rate3.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.12%▲ 1.13% above avgNationally 2.10%
Details

Autopay Discount: 0.25%

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 12, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
3-Month Certificate or IRA-HSA
$500
3.25% ▲ 1.13% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.12%▲ 1.13% above avgNationally 2.10%
Details

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
2.50%3.13%3.75%Sep 14, 2026: 3.00% APYSep 25, 2026: 3.25% APYSep 14, 2026Oct 12, 2026
  • Sep 25, 20263.25%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
3 Month Certificate
$500
3.25% ▲ 1.13% above Michigan avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.12%▲ 1.13% above avgNationally 2.10%
Details

Rate History
1 change since Sep 14, 2026 · 2.89% → 3.25% ▲ 0.36 pts · high 3.25% / low 2.89%
2.39%3.07%3.75%Sep 14, 2026: 2.89% APYOct 9, 2026: 3.25% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20263.25%▲ from 2.89%
  • Sep 14, 20262.89%first recorded
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3 Month AMP Term Share Certificates
$0
3.25% ▲ 1.13% above Michigan avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.12%▲ 1.13% above avgNationally 2.10%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 12, 2026
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
3 Month Term Share Certificate
$0
3.15% ▲ 1.03% above Michigan avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.12%▲ 1.03% above avgNationally 2.10%
Details

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 5 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 12, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Month CD
$0
3.15% ▲ 1.03% above Michigan avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.12%▲ 1.03% above avgNationally 2.10%
Details

VIP Bonus Rate: 3.35%, VIP Bonus APY: 3.40%

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 5 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Oct 12, 2026
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
HSA IRA Certificate - 3 Month
$0
3.10% ▲ 0.98% above Michigan avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.12%▲ 0.98% above avgNationally 2.10%
Details

You are solely responsible for complying with any requirements including transaction limitations and penalties for early withdrawal under the Internal Revenue Code or other applicable Federal or State law governing any IRA or other Credit Union accounts.; Term Share, Youth, IRA, & HSA Certificates

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 6 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 12, 2026
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
HSA Regular Term Share Certificate - 3 Month
$50
3.10% ▲ 0.98% above Michigan avg
View
▼
Rate3.06%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.12%▲ 0.98% above avgNationally 2.10%
Details

Regular term CDs allow additional add on deposits.; Term Share, Youth, IRA, & HSA Certificates

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 6 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 12, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 3 Month
$0
3.05% ▲ 0.93% above Michigan avg
View
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.12%▲ 0.93% above avgNationally 2.10%
Details

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 7 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 12, 2026
West Shore Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
3 Month Certificate
$500
3.00% ▲ 0.88% above Michigan avg
View
▼
Rate2.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Michigan Average2.12%▲ 0.88% above avgNationally 2.10%
Details

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 12, 2026
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
3 Month Share Certificate
$500
3.00% ▲ 0.88% above Michigan avg
View
▼
Rate2.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.12%▲ 0.88% above avgNationally 2.10%
Details

Rate History
No change since Oct 5, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 5, 2026: 3.00% APYOct 5, 2026Oct 12, 2026
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3 Month Cert / IRA
$1,000
3.00% ▲ 0.88% above Michigan avg
View
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.12%▲ 0.88% above avgNationally 2.10%
Details

Dividends Paid: At Maturity; Penalties: 90 days*

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 12, 2026
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
3 Month CD-Certificate of Deposit
$0
2.95% ▲ 0.83% above Michigan avg
View
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.12%▲ 0.83% above avgNationally 2.10%
Details

Balance: $250,000 and up

Rate History
No change since Sep 22, 2026 · 2.95% APY · checked 5 times
2.45%2.95%3.45%Sep 22, 2026: 2.95% APYSep 22, 2026Oct 12, 2026
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
3 Month CD-Certificate of Deposit
$0
2.90% ▲ 0.78% above Michigan avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.12%▲ 0.78% above avgNationally 2.10%
Details

Balance: $150,000 - $249,000

Rate History
No change since Sep 22, 2026 · 2.90% APY · checked 5 times
2.40%2.90%3.40%Sep 22, 2026: 2.90% APYSep 22, 2026Oct 12, 2026
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
3 Month CD-Certificate of Deposit
$0
2.85% ▲ 0.73% above Michigan avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.12%▲ 0.73% above avgNationally 2.10%
Details

Balance: $100,000 - $149,000

Rate History
No change since Sep 22, 2026 · 2.85% APY · checked 5 times
2.35%2.85%3.35%Sep 22, 2026: 2.85% APYSep 22, 2026Oct 12, 2026
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
3 Month CD-Certificate of Deposit
$0
2.80% ▲ 0.68% above Michigan avg
View
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.12%▲ 0.68% above avgNationally 2.10%
Details

Balance: $500 - $99,999

Rate History
No change since Sep 22, 2026 · 2.80% APY · checked 5 times
2.30%2.80%3.30%Sep 22, 2026: 2.80% APYSep 22, 2026Oct 12, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
CD - 3 Month
$0
2.75% ▲ 0.63% above Michigan avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.12%▲ 0.63% above avgNationally 2.10%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 12, 2026

East Grand Rapids 6 Month CD Rates

Michigan 6 Month CD Average2.88% APYNational 2.79%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
6 month - 4H or FFA CD
$0
5.05% ▲ 2.17% above Michigan avg
View
▼
Rate4.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.88%▲ 2.17% above avgNationally 2.79%
Details

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

Rate History
No change since Sep 14, 2026 · 5.05% APY · checked 7 times
4.55%5.05%5.55%Sep 14, 2026: 5.05% APYSep 14, 2026Oct 12, 2026
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
6 month SmartStart Youth CD
$0
5.00% ▲ 2.12% above Michigan avg
View
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.88%▲ 2.12% above avgNationally 2.79%
Details

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

Rate History
No change since Sep 26, 2026 · 5.00% APY · checked 4 times
4.50%5.00%5.50%Sep 26, 2026: 5.00% APYSep 26, 2026Oct 12, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
Rising Rate Certificate of Deposit - Third 6-month Term
$0
4.75% ▲ 1.87% above Michigan avg
View
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.88%▲ 1.87% above avgNationally 2.79%
Details

Rate History
No change since Oct 7, 2026 · 4.75% APY · checked 3 times
4.25%4.75%5.25%Oct 7, 2026: 4.75% APYOct 7, 2026Oct 12, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
6 Month Youth Certificates
$0
4.75% ▲ 1.87% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.88%▲ 1.87% above avgNationally 2.79%
Details

Term: 6 months - FEATURED RATE

Rate History
No change since Sep 30, 2026 · 4.75% APY · checked 4 times
4.25%4.75%5.25%Sep 30, 2026: 4.75% APYSep 30, 2026Oct 12, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Share Certificates - 1 6 months - FEATURED RATE
$0
4.75% ▲ 1.87% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.88%▲ 1.87% above avgNationally 2.79%
Details

Rate History
No change since Oct 6, 2026 · 4.75% APY · checked 2 times
4.25%4.75%5.25%Oct 6, 2026: 4.75% APYOct 6, 2026Oct 12, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
Rising Rate Certificate of Deposit - Second 6-month Term
$0
4.50% ▲ 1.62% above Michigan avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.88%▲ 1.62% above avgNationally 2.79%
Details

Rate History
No change since Oct 7, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 7, 2026: 4.50% APYOct 7, 2026Oct 12, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
Rising Rate Certificate of Deposit - First 6-month Term
$0
4.25% ▲ 1.37% above Michigan avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.88%▲ 1.37% above avgNationally 2.79%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 12, 2026
Kalsee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
6 Month Certificate Special
$500
4.25% ▲ 1.37% above Michigan avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.88%▲ 1.37% above avgNationally 2.79%
Details

Platinum & VIP Members

Rate History
No change since Sep 29, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Sep 29, 2026: 4.25% APYSep 29, 2026Oct 12, 2026
Kalsee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
6-month CD
$0
4.25% ▲ 1.37% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.88%▲ 1.37% above avgNationally 2.79%
Details

Loss of 30 days interest for early redemption. Funds currently on deposit at Kalsee Credit Union not eligible. Platinum or VIP Perks +0.25% = 4.25% APY.

Rate History
1 change since Sep 14, 2026 · 2.50% → 4.25% ▲ 1.75 pts · high 4.25% / low 2.50%
0.75%3.38%6.00%Sep 14, 2026: 2.50% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.25%▲ from 2.50%
  • Sep 14, 20262.50%first recorded
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Simple CDs - 6 Months
$0
4.25% ▲ 1.37% above Michigan avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.88%▲ 1.37% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 14, 2026: 3.90% APYOct 6, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Oct 6, 20264.25%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
Jumbo Share Certificates - 6 months
$0
4.16% ▲ 1.28% above Michigan avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Michigan Average2.88%▲ 1.28% above avgNationally 2.79%
Details

Rate History
1 change since Sep 12, 2026 · 3.96% → 4.16% ▲ 0.20 pts · high 4.16% / low 3.96%
3.46%4.06%4.66%Sep 12, 2026: 3.96% APYOct 4, 2026: 4.16% APYSep 12, 2026Oct 12, 2026
  • Oct 4, 20264.16%▲ from 3.96%
  • Sep 12, 20263.96%first recorded
GR Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
6 Month Certificate
$0
4.15% ▲ 1.27% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.88%▲ 1.27% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 14, 2026: 3.75% APYSep 22, 2026: 4.15% APYSep 14, 2026Oct 12, 2026
  • Sep 22, 20264.15%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
6 Month IRA Certificate of Deposit
$0
4.10% ▲ 1.22% above Michigan avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.88%▲ 1.22% above avgNationally 2.79%
Details

Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Oct 12, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-MONTH CD
$2,500
4.10% ▲ 1.22% above Michigan avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.88%▲ 1.22% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Michigan Columbus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
6 Month CD
$0
4.07% ▲ 1.19% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Michigan Average2.88%▲ 1.19% above avgNationally 2.79%
Details

Rate History
No change since Sep 25, 2026 · 4.07% APY · checked 3 times
3.57%4.07%4.57%Sep 25, 2026: 4.07% APYSep 25, 2026Oct 12, 2026
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
6 Month Certificate
$0
4.07% ▲ 1.19% above Michigan avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.88%▲ 1.19% above avgNationally 2.79%
Details

Rate History
1 change since Sep 18, 2026 · 3.71% → 4.07% ▲ 0.36 pts · high 4.07% / low 3.71%
3.21%3.89%4.57%Sep 18, 2026: 3.71% APYOct 9, 2026: 4.07% APYSep 18, 2026Oct 12, 2026
  • Oct 9, 20264.07%▲ from 3.71%
  • Sep 18, 20263.71%first recorded
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
6 MONTH CD
$50,000
4.05% ▲ 1.17% above Michigan avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.88%▲ 1.17% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.05% ▲ 0.25 pts · high 4.05% / low 3.80%
3.30%3.93%4.55%Sep 14, 2026: 3.80% APYOct 9, 2026: 4.05% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.05%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
6 Month Term Share Certificate
$100
4.02% ▲ 1.14% above Michigan avg
View
▼
Rate3.95%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.88%▲ 1.14% above avgNationally 2.79%
Details

Rate History
No change since Sep 21, 2026 · 4.02% APY · checked 5 times
3.52%4.02%4.52%Sep 21, 2026: 4.02% APYSep 21, 2026Oct 12, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
6-month CD
$1,000
4.00% ▲ 1.12% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.88%▲ 1.12% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.00% ▲ 0.44 pts · high 4.00% / low 3.56%
3.06%3.78%4.50%Sep 14, 2026: 3.56% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.00%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
6 Month Certificate of Deposit
$0
4.00% ▲ 1.12% above Michigan avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.88%▲ 1.12% above avgNationally 2.79%
Details

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 18, 2026: 3.85% APYSep 24, 2026: 4.00% APYSep 18, 2026Oct 12, 2026
  • Sep 24, 20264.00%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Time Certificate of Deposit - 6 Month
$0
4.00% ▲ 1.12% above Michigan avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.88%▲ 1.12% above avgNationally 2.79%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 12, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 6 Month Share Certificate
$1,000
4.00% ▲ 1.12% above Michigan avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.88%▲ 1.12% above avgNationally 2.79%
Details

Limited Time 3-Month and 6-Month Share Certificates available on new Certificates. This is a promotional yield. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity.

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 12, 2026
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 month Share Certificate
$2,500
4.00% ▲ 1.12% above Michigan avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.88%▲ 1.12% above avgNationally 2.79%
Details

Maximum balance: $250,000.00; Interest must be transferred to share account

Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 25, 2026: 4.00% APYSep 25, 2026Oct 12, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
6 Month Youth Certificate
$0
4.00% ▲ 1.12% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.88%▲ 1.12% above avgNationally 2.79%
Details

Term: 6 months - FEATURED RATE

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 12, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Youth Certificates - 6 months - FEATURED RATE
$0
4.00% ▲ 1.12% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.88%▲ 1.12% above avgNationally 2.79%
Details

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 12, 2026
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
6 Month Certificate
$500
4.00% ▲ 1.12% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.88%▲ 1.12% above avgNationally 2.79%
Details

Rate History
No change since Sep 16, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 16, 2026: 4.00% APYSep 16, 2026Oct 12, 2026
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
6 Month IRA Certificate
$0
4.00% ▲ 1.12% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.88%▲ 1.12% above avgNationally 2.79%
Details

Individual accounts only

Rate History
No change since Sep 16, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 16, 2026: 4.00% APYSep 16, 2026Oct 12, 2026
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
6 Month Youth Certificate
$100
4.00% ▲ 1.12% above Michigan avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.88%▲ 1.12% above avgNationally 2.79%
Details

Youth certificate

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 12, 2026
Construction Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.50%
6 Month Certificate of Deposit
$2,500
4.00% ▲ 1.12% above Michigan avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.88%▲ 1.12% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
Construction Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.50%
6 Month IRA Certificate of Deposit
$2,500
4.00% ▲ 1.12% above Michigan avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.88%▲ 1.12% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
Kalsee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
6 Month Certificate Special
$500
4.00% ▲ 1.12% above Michigan avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.88%▲ 1.12% above avgNationally 2.79%
Details

Rate History
No change since Sep 29, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 29, 2026: 4.00% APYSep 29, 2026Oct 12, 2026
Kalsee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
6-month CD
$0
4.00% ▲ 1.12% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.88%▲ 1.12% above avgNationally 2.79%
Details

Loss of 30 days interest for early redemption. Funds currently on deposit at Kalsee Credit Union not eligible. Platinum or VIP Perks +0.25% = 4.25% APY.

Rate History
1 change since Sep 14, 2026 · 2.50% → 4.00% ▲ 1.50 pts · high 4.00% / low 2.50%
1.00%3.25%5.50%Sep 14, 2026: 2.50% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.00%▲ from 2.50%
  • Sep 14, 20262.50%first recorded
Family First Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
Save to Win CD - 6 Months
$500
4.00% ▲ 1.12% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.88%▲ 1.12% above avgNationally 2.79%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 12, 2026
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
6 Month Certificates of Deposit and IRA Certificates of Deposit
$500
4.00% ▲ 1.12% above Michigan avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.88%▲ 1.12% above avgNationally 2.79%
Details

0.10% APY bonus earned if you also have a M1 Premier Checking Account.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
6 Month Certificate
$0
4.00% ▲ 1.12% above Michigan avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.88%▲ 1.12% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
CD SPECIAL! - 6 month
$0
4.00% ▲ 1.12% above Michigan avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.88%▲ 1.12% above avgNationally 2.79%
Details

CD SPECIAL!

Rate History
No change since Sep 22, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 22, 2026: 4.00% APYSep 22, 2026Oct 12, 2026
First State Bank (MI)
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
180 Day Jumbo CD
$0
3.95% ▲ 1.07% above Michigan avg
View
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.88%▲ 1.07% above avgNationally 2.79%
Details

Rate History
No change since Oct 7, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 7, 2026: 3.95% APYOct 7, 2026Oct 12, 2026
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
6 Month Certificate
$0
3.95% ▲ 1.07% above Michigan avg
View
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Michigan Average2.88%▲ 1.07% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 5 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 12, 2026
Selfreliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
6 Month IRA Certificates
$0
3.95% ▲ 1.07% above Michigan avg
View
▼
Rate3.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Michigan Average2.88%▲ 1.07% above avgNationally 2.79%
Details

Rate History
No change since Oct 8, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 8, 2026: 3.95% APYOct 8, 2026Oct 12, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
6-Month Certificate or IRA-HSA Jumbo
$100,000
3.95% ▲ 1.07% above Michigan avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.88%▲ 1.07% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
3.20%3.83%4.45%Sep 14, 2026: 3.70% APYSep 25, 2026: 3.95% APYSep 14, 2026Oct 12, 2026
  • Sep 25, 20263.95%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
6 MONTH CD
$500
3.95% ▲ 1.07% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.88%▲ 1.07% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
3.20%3.83%4.45%Sep 14, 2026: 3.70% APYOct 9, 2026: 3.95% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20263.95%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6 Month Certificate of Deposit
$1,000
3.90% ▲ 1.02% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.88%▲ 1.02% above avgNationally 2.79%
Details

APY: Annual Percentage Yield

Rate History
No change since Sep 22, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Sep 22, 2026: 3.90% APYSep 22, 2026Oct 12, 2026
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
6 Month Certificate of Deposit
$0
3.90% ▲ 1.02% above Michigan avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.88%▲ 1.02% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 4.10% → 3.90% ▼ 0.20 pts · high 4.10% / low 3.90%
3.40%4.00%4.60%Sep 14, 2026: 4.10% APYOct 9, 2026: 3.90% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20263.90%▼ from 4.10%
  • Sep 14, 20264.10%first recorded
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
6 Month Share Certificate
$0
3.86% ▲ 0.98% above Michigan avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Michigan Average2.88%▲ 0.98% above avgNationally 2.79%
Details

Rate History
1 change since Sep 12, 2026 · 3.65% → 3.86% ▲ 0.21 pts · high 3.86% / low 3.65%
3.15%3.76%4.36%Sep 12, 2026: 3.65% APYOct 8, 2026: 3.86% APYSep 12, 2026Oct 12, 2026
  • Oct 8, 20263.86%▲ from 3.65%
  • Sep 12, 20263.65%first recorded
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
6-Month Certificate
$1,000
3.85% ▲ 0.97% above Michigan avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.88%▲ 0.97% above avgNationally 2.79%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 18, 2026: 3.75% APYSep 27, 2026: 3.85% APYSep 18, 2026Oct 12, 2026
  • Sep 27, 20263.85%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
6 Month Certificate
$500
3.82% ▲ 0.94% above Michigan avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.88%▲ 0.94% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.09% → 3.82% ▲ 0.73 pts · high 3.82% / low 3.09%
2.36%3.46%4.55%Sep 14, 2026: 3.09% APYOct 9, 2026: 3.82% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20263.82%▲ from 3.09%
  • Sep 14, 20263.09%first recorded
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
180 Day Certificate
$500
3.80% ▲ 0.92% above Michigan avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.88%▲ 0.92% above avgNationally 2.79%
Details

Interest Period Compounded & Credited: Quarterly

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 12, 2026
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
180 Day Youth
$100
3.80% ▲ 0.92% above Michigan avg
View
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.88%▲ 0.92% above avgNationally 2.79%
Details

Interest Period Compounded & Credited: Quarterly

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 12, 2026
West Shore Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
6 Month CD Specials
$500
3.80% ▲ 0.92% above Michigan avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Michigan Average2.88%▲ 0.92% above avgNationally 2.79%
Details

Rate History
No change since Sep 11, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 11, 2026: 3.80% APYSep 11, 2026Oct 12, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
6-Month Certificate or IRA-HSA
$500
3.80% ▲ 0.92% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.88%▲ 0.92% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
3.05%3.68%4.30%Sep 14, 2026: 3.55% APYSep 25, 2026: 3.80% APYSep 14, 2026Oct 12, 2026
  • Sep 25, 20263.80%▲ from 3.55%
  • Sep 14, 20263.55%first recorded

East Grand Rapids 12 Month CD Rates

Michigan 12 Month CD Average3.12% APYNational 2.99%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Diversified Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
12 Month Certificate
$0
5.15% ▲ 2.03% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.12%▲ 2.03% above avgNationally 2.99%
Details

Rate History
1 change since Sep 16, 2026 · 3.50% → 5.15% ▲ 1.65 pts · high 5.15% / low 3.50%
1.85%4.33%6.80%Sep 16, 2026: 3.50% APYOct 9, 2026: 5.15% APYSep 16, 2026Oct 12, 2026
  • Oct 9, 20265.15%▲ from 3.50%
  • Sep 16, 20263.50%first recorded
Diversified Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
12 Month Legacy CD
$0
5.15% ▲ 2.03% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.12%▲ 2.03% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 5.15% APY · checked 4 times
4.65%5.15%5.65%Sep 18, 2026: 5.15% APYSep 18, 2026Oct 12, 2026
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
12 Month Youth Special
$0
5.00% ▲ 1.88% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.12%▲ 1.88% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 7 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Oct 12, 2026
Best Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
12 Month Super Kids
$100
5.00% ▲ 1.88% above Michigan avg
View
▼
Rate4.91%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.12%▲ 1.88% above avgNationally 2.99%
Details

Early Withdrawal Penalty: 90 days interest

Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 5 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Oct 12, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
1 Year Rising Rate Certificate of Deposit - Year 1 term
$0
4.50% ▲ 1.38% above Michigan avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.12%▲ 1.38% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 7, 2026: 4.50% APYOct 7, 2026Oct 12, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
12 Month Youth Certificates
$0
4.50% ▲ 1.38% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.12%▲ 1.38% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Sep 30, 2026: 4.50% APYSep 30, 2026Oct 12, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Share Certificates - 1 12 months
$0
4.50% ▲ 1.38% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.12%▲ 1.38% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 6, 2026: 4.50% APYOct 6, 2026Oct 12, 2026
People Driven Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
1 Year Youth
$25
4.50% ▲ 1.38% above Michigan avg
View
▼
Rate4.43%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.12%▲ 1.38% above avgNationally 2.99%
Details

Age: 0-10,000

Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APYSep 14, 2026Oct 12, 2026
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
12 Month Youth Share Certificate
$0
4.50% ▲ 1.38% above Michigan avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.12%▲ 1.38% above avgNationally 2.99%
Details

Max $500

Rate History
2 changes since Sep 14, 2026 · 3.20% → 4.50% ▲ 1.30 pts · high 4.50% / low 3.20%
1.90%3.85%5.80%Sep 14, 2026: 3.20% APYSep 18, 2026: 3.55% APYOct 9, 2026: 4.50% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.50%▲ from 3.55%
  • Sep 18, 20263.55%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
12 Month Certificate
$500
4.50% ▲ 1.38% above Michigan avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.12%▲ 1.38% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 14, 2026: 4.00% APYSep 29, 2026: 4.50% APYSep 14, 2026Oct 12, 2026
  • Sep 29, 20264.50%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
12 Month Youth Certificate
$250
4.50% ▲ 1.38% above Michigan avg
View
▼
Rate4.41%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.12%▲ 1.38% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 14, 2026: 4.00% APYSep 29, 2026: 4.50% APYSep 14, 2026Oct 12, 2026
  • Sep 29, 20264.50%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
IRA Certificate - 12 Month
$500
4.50% ▲ 1.38% above Michigan avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.12%▲ 1.38% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 18, 2026: 4.00% APYSep 29, 2026: 4.50% APYSep 18, 2026Oct 12, 2026
  • Sep 29, 20264.50%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
12-month CD
$1,000
4.35% ▲ 1.23% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.12%▲ 1.23% above avgNationally 2.99%
Details

Featured rate

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 14, 2026: 4.15% APYSep 24, 2026: 4.35% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.35%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
12 Month Certificate of Deposit
$0
4.35% ▲ 1.23% above Michigan avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.12%▲ 1.23% above avgNationally 2.99%
Details

Rate History
No change since Sep 19, 2026 · 4.35% APY · checked 7 times
3.85%4.35%4.85%Sep 19, 2026: 4.35% APYSep 19, 2026Oct 12, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
Certificate of Deposit Special - 12 Month
$0
4.35% ▲ 1.23% above Michigan avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.12%▲ 1.23% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 7, 2026: 4.35% APYOct 7, 2026Oct 12, 2026
Wolverine State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
1 YEAR YOUTH CD
$100
4.34% ▲ 1.22% above Michigan avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.12%▲ 1.22% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.34% APY · checked 5 times
3.84%4.34%4.84%Sep 14, 2026: 4.34% APYSep 14, 2026Oct 12, 2026
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
12 Month Certificate of Deposit
$0
4.30% ▲ 1.18% above Michigan avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.12%▲ 1.18% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Sep 18, 2026: 4.00% APYSep 24, 2026: 4.30% APYSep 18, 2026Oct 12, 2026
  • Sep 24, 20264.30%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Time Certificate of Deposit - 12 Month
$0
4.30% ▲ 1.18% above Michigan avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.12%▲ 1.18% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 12, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12-MONTH CD
$500
4.30% ▲ 1.18% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.12%▲ 1.18% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.30% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.30%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Simple CDs - 12 Months
$0
4.30% ▲ 1.18% above Michigan avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.12%▲ 1.18% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Sep 14, 2026: 4.00% APYOct 6, 2026: 4.30% APYSep 14, 2026Oct 12, 2026
  • Oct 6, 20264.30%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
12 Month Certificate
$500
4.29% ▲ 1.17% above Michigan avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.12%▲ 1.17% above avgNationally 2.99%
Details

Rate History
No change since Sep 25, 2026 · 4.29% APY · checked 3 times
3.79%4.29%4.79%Sep 25, 2026: 4.29% APYSep 25, 2026Oct 12, 2026
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
12 Month Share Certificate
$500
4.29% ▲ 1.17% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.12%▲ 1.17% above avgNationally 2.99%
Details

Only new funds eligible for promotional rate. Qualifications apply.

Rate History
No change since Oct 4, 2026 · 4.29% APY · checked 2 times
3.79%4.29%4.79%Oct 4, 2026: 4.29% APYOct 4, 2026Oct 12, 2026
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
Jumbo Share Certificates - 12 months
$0
4.22% ▲ 1.10% above Michigan avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Michigan Average3.12%▲ 1.10% above avgNationally 2.99%
Details

Rate History
1 change since Sep 12, 2026 · 4.01% → 4.22% ▲ 0.21 pts · high 4.22% / low 4.01%
3.51%4.12%4.72%Sep 12, 2026: 4.01% APYOct 4, 2026: 4.22% APYSep 12, 2026Oct 12, 2026
  • Oct 4, 20264.22%▲ from 4.01%
  • Sep 12, 20264.01%first recorded
Lake Huron Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
12 Month Certificate
$0
4.19% ▲ 1.07% above Michigan avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.12%▲ 1.07% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.77% → 4.19% ▲ 0.42 pts · high 4.19% / low 3.77%
3.27%3.98%4.69%Sep 14, 2026: 3.77% APYSep 29, 2026: 4.19% APYSep 14, 2026Oct 12, 2026
  • Sep 29, 20264.19%▲ from 3.77%
  • Sep 14, 20263.77%first recorded
Family Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
12 Month Jumbo Certificate of Deposit
$25,000
4.18% ▲ 1.06% above Michigan avg
View
▼
Rate4.10%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.12%▲ 1.06% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.18% APY · checked 2 times
3.68%4.18%4.68%Sep 18, 2026: 4.18% APYSep 18, 2026Oct 12, 2026
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
12 Month Certificate of Deposit
$1,000
4.15% ▲ 1.03% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.12%▲ 1.03% above avgNationally 2.99%
Details

APY: Annual Percentage Yield

Rate History
1 change since Sep 22, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 22, 2026: 3.75% APYOct 9, 2026: 4.15% APYSep 22, 2026Oct 12, 2026
  • Oct 9, 20264.15%▲ from 3.75%
  • Sep 22, 20263.75%first recorded
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
12 Month Certificate
$0
4.13% ▲ 1.01% above Michigan avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.12%▲ 1.01% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.71% → 4.13% ▲ 0.42 pts · high 4.13% / low 3.71%
3.21%3.92%4.63%Sep 18, 2026: 3.71% APYOct 9, 2026: 4.13% APYSep 18, 2026Oct 12, 2026
  • Oct 9, 20264.13%▲ from 3.71%
  • Sep 18, 20263.71%first recorded
First State Bank (MI)
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
1 Year Jumbo CD
$0
4.10% ▲ 0.98% above Michigan avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.12%▲ 0.98% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 7, 2026: 4.10% APYOct 7, 2026Oct 12, 2026
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
12 Month Certificate
$500
4.10% ▲ 0.98% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.12%▲ 0.98% above avgNationally 2.99%
Details

Rate History
No change since Sep 16, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Sep 16, 2026: 4.10% APYSep 16, 2026Oct 12, 2026
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
12 Month IRA Certificate
$0
4.10% ▲ 0.98% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.12%▲ 0.98% above avgNationally 2.99%
Details

Individual accounts only

Rate History
No change since Sep 16, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 16, 2026: 4.10% APYSep 16, 2026Oct 12, 2026
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
12 MONTH CD
$50,000
4.10% ▲ 0.98% above Michigan avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.12%▲ 0.98% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
3.30%3.95%4.60%Sep 14, 2026: 3.80% APYOct 9, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.10%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
12 Month Certificate of Deposit
$0
4.10% ▲ 0.98% above Michigan avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.12%▲ 0.98% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90%
3.40%4.00%4.60%Sep 14, 2026: 3.90% APYOct 9, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.10%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Wolverine State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
1 YEAR CERTIFICATE
$500
4.08% ▲ 0.96% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.12%▲ 0.96% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 5 times
3.58%4.08%4.58%Sep 14, 2026: 4.08% APYSep 14, 2026Oct 12, 2026
Michigan Columbus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12 Month CD
$0
4.07% ▲ 0.95% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Michigan Average3.12%▲ 0.95% above avgNationally 2.99%
Details

Rate History
No change since Oct 4, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 4, 2026: 4.07% APYOct 4, 2026Oct 12, 2026
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
12 Month Certificate
$500
4.07% ▲ 0.95% above Michigan avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.12%▲ 0.95% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.76% → 4.07% ▲ 0.31 pts · high 4.07% / low 3.76%
3.26%3.92%4.57%Sep 14, 2026: 3.76% APYOct 9, 2026: 4.07% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.07%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
12 Month Youth Certificate
$100
4.07% ▲ 0.95% above Michigan avg
View
▼
Rate4.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.12%▲ 0.95% above avgNationally 2.99%
Details

Must be under 18 years of age

Rate History
1 change since Sep 14, 2026 · 3.76% → 4.07% ▲ 0.31 pts · high 4.07% / low 3.76%
3.26%3.92%4.57%Sep 14, 2026: 3.76% APYOct 9, 2026: 4.07% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.07%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Family Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
12 Month Certificate of Deposit
$500
4.07% ▲ 0.95% above Michigan avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.12%▲ 0.95% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.07% APY · checked 5 times
3.57%4.07%4.57%Sep 18, 2026: 4.07% APYSep 18, 2026Oct 12, 2026
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
12 Month Certificate
$500
4.06% ▲ 0.94% above Michigan avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.12%▲ 0.94% above avgNationally 2.99%
Details

Interest Period Compounded & Credited: Quarterly

Rate History
No change since Sep 18, 2026 · 4.06% APY · checked 6 times
3.56%4.06%4.56%Sep 18, 2026: 4.06% APYSep 18, 2026Oct 12, 2026
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
12 Month Youth
$100
4.06% ▲ 0.94% above Michigan avg
View
▼
Rate4.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.12%▲ 0.94% above avgNationally 2.99%
Details

Interest Period Compounded & Credited: Quarterly

Rate History
No change since Sep 18, 2026 · 4.06% APY · checked 6 times
3.56%4.06%4.56%Sep 18, 2026: 4.06% APYSep 18, 2026Oct 12, 2026
Wayne Westland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
12 Month Certificate
$0
4.06% ▲ 0.94% above Michigan avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Michigan Average3.12%▲ 0.94% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 3 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Oct 12, 2026
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
1 Year IRA & SHARE CERTIFICATES
$500
4.06% ▲ 0.94% above Michigan avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Michigan Average3.12%▲ 0.94% above avgNationally 2.99%
Details

Rate History
No change since Sep 12, 2026 · 4.06% APY · checked 5 times
3.56%4.06%4.56%Sep 12, 2026: 4.06% APYSep 12, 2026Oct 12, 2026
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
12 Month Certificate
$0
4.06% ▲ 0.94% above Michigan avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.12%▲ 0.94% above avgNationally 2.99%
Details

Rate History
No change since Oct 9, 2026 · 4.06% APY · checked 3 times
3.56%4.06%4.56%Oct 9, 2026: 4.06% APYOct 9, 2026Oct 12, 2026
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
12 Month IRA
$0
4.06% ▲ 0.94% above Michigan avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.12%▲ 0.94% above avgNationally 2.99%
Details

Rate History
No change since Oct 9, 2026 · 4.06% APY · checked 3 times
3.56%4.06%4.56%Oct 9, 2026: 4.06% APYOct 9, 2026Oct 12, 2026
Lake Huron Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
12 Month YOUTH
$0
4.06% ▲ 0.94% above Michigan avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.12%▲ 0.94% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 3 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Oct 12, 2026
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
1 Year Certificate
$50,000
4.06% ▲ 0.94% above Michigan avg
View
▼
Rate4.00%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.12%▲ 0.94% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 6, 2026: 4.06% APYOct 6, 2026Oct 12, 2026
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
1 Year Mini Investment Certificate
$50,000
4.06% ▲ 0.94% above Michigan avg
View
▼
Rate4.00%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.12%▲ 0.94% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 6, 2026: 4.06% APYOct 6, 2026Oct 12, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
1-Year Add-On Certificate or IRA-HSA Jumbo
$100,000
4.05% ▲ 0.93% above Michigan avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.12%▲ 0.93% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
3.25%3.90%4.55%Sep 14, 2026: 3.75% APYSep 25, 2026: 4.05% APYSep 14, 2026Oct 12, 2026
  • Sep 25, 20264.05%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Huron Valley State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.74%
1 Year Certificate
$0
4.01% ▲ 0.89% above Michigan avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Michigan Average3.12%▲ 0.89% above avgNationally 2.99%
Details

Balance: $500.00 - $49,999.99

Rate History
1 change since Sep 24, 2026 · 3.91% → 4.01% ▲ 0.10 pts · high 4.01% / low 3.91%
3.41%3.96%4.51%Sep 24, 2026: 3.91% APYOct 3, 2026: 4.01% APYSep 24, 2026Oct 12, 2026
  • Oct 3, 20264.01%▲ from 3.91%
  • Sep 24, 20263.91%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 12 Month
$0
4.00% ▲ 0.88% above Michigan avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.12%▲ 0.88% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
12 Month Business 31 Certificate of Deposit
$0
4.00% ▲ 0.88% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Michigan Average3.12%▲ 0.88% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
3.20%3.85%4.50%Sep 14, 2026: 3.70% APYOct 4, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20264.00%▲ from 3.70%
  • Sep 14, 20263.70%first recorded

East Grand Rapids 18 Month CD Rates

Michigan 18 Month CD Average3.08% APYNational 2.87%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
18-Month Special - Military
$500
5.25% ▲ 2.17% above Michigan avg
View
▼
Rate5.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.08%▲ 2.17% above avgNationally 2.87%
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.

Rate History
No change since Oct 9, 2026 · 5.25% APY · checked 3 times
4.75%5.25%5.75%Oct 9, 2026: 5.25% APYOct 9, 2026Oct 12, 2026
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
18 Month Certificate
$500
4.50% ▲ 1.42% above Michigan avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.08%▲ 1.42% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10%
3.60%4.30%5.00%Sep 14, 2026: 4.10% APYSep 29, 2026: 4.50% APYSep 14, 2026Oct 12, 2026
  • Sep 29, 20264.50%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
IRA Certificate - 18 Month
$500
4.50% ▲ 1.42% above Michigan avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.08%▲ 1.42% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10%
3.60%4.30%5.00%Sep 18, 2026: 4.10% APYSep 29, 2026: 4.50% APYSep 18, 2026Oct 12, 2026
  • Sep 29, 20264.50%▲ from 4.10%
  • Sep 18, 20264.10%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
18 Month Certificate of Deposit
$0
4.30% ▲ 1.22% above Michigan avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.08%▲ 1.22% above avgNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 5 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Oct 12, 2026
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Time Certificate of Deposit - 18 Month
$0
4.30% ▲ 1.22% above Michigan avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.08%▲ 1.22% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 12, 2026
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
18 Month Certificate
$500
4.29% ▲ 1.21% above Michigan avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.08%▲ 1.21% above avgNationally 2.87%
Details

Rate History
No change since Sep 25, 2026 · 4.29% APY · checked 3 times
3.79%4.29%4.79%Sep 25, 2026: 4.29% APYSep 25, 2026Oct 12, 2026
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
18 Month Share Certificate
$500
4.29% ▲ 1.21% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.08%▲ 1.21% above avgNationally 2.87%
Details

Only new funds eligible for promotional rate. Qualifications apply.

Rate History
No change since Oct 4, 2026 · 4.29% APY · checked 2 times
3.79%4.29%4.79%Oct 4, 2026: 4.29% APYOct 4, 2026Oct 12, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 18 Month
$0
4.25% ▲ 1.17% above Michigan avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.08%▲ 1.17% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
3.60%4.18%4.75%Sep 14, 2026: 4.10% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.25%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
18-Month Special Certificate of Deposit
$500
4.25% ▲ 1.17% above Michigan avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.08%▲ 1.17% above avgNationally 2.87%
Details

18-Month Special: At maturity, the CD will be renewed into a 24-month CD.

Rate History
No change since Oct 9, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 9, 2026: 4.25% APYOct 9, 2026Oct 12, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
18-MONTH CD
$500
4.25% ▲ 1.17% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.08%▲ 1.17% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 12, 2026
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Simple CDs - 18 Months
$0
4.25% ▲ 1.17% above Michigan avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.08%▲ 1.17% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
3.45%4.10%4.75%Sep 14, 2026: 3.95% APYOct 6, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Oct 6, 20264.25%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
18-month CD
$1,000
4.15% ▲ 1.07% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.08%▲ 1.07% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYSep 24, 2026: 4.15% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
18 Month Certificate or IRA-HSA Jumbo
$100,000
4.15% ▲ 1.07% above Michigan avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.08%▲ 1.07% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85%
3.35%4.00%4.65%Sep 14, 2026: 3.85% APYSep 25, 2026: 4.15% APYSep 14, 2026Oct 12, 2026
  • Sep 25, 20264.15%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
18 Month Certificate of Deposit
$1,000
4.15% ▲ 1.07% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.08%▲ 1.07% above avgNationally 2.87%
Details

APY: Annual Percentage Yield

Rate History
1 change since Sep 22, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 22, 2026: 3.75% APYOct 9, 2026: 4.15% APYSep 22, 2026Oct 12, 2026
  • Oct 9, 20264.15%▲ from 3.75%
  • Sep 22, 20263.75%first recorded
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
18 Month Certificate
$500
4.10% ▲ 1.02% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.08%▲ 1.02% above avgNationally 2.87%
Details

Rate History
No change since Sep 16, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Sep 16, 2026: 4.10% APYSep 16, 2026Oct 12, 2026
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
18 Month IRA Certificate
$0
4.10% ▲ 1.02% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.08%▲ 1.02% above avgNationally 2.87%
Details

Individual accounts only

Rate History
No change since Sep 16, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 16, 2026: 4.10% APYSep 16, 2026Oct 12, 2026
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
18 Month Share Certificate
$1,000
4.10% ▲ 1.02% above Michigan avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Michigan Average3.08%▲ 1.02% above avgNationally 2.87%
Details

Rate History
No change since Sep 12, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 12, 2026: 4.10% APYSep 12, 2026Oct 12, 2026
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
Share Certificates - 18 Months
$1,000
4.10% ▲ 1.02% above Michigan avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Michigan Average3.08%▲ 1.02% above avgNationally 2.87%
Details

Rate History
No change since Sep 12, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 12, 2026: 4.10% APYSep 12, 2026Oct 12, 2026
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
18 Month Certificate
$500
4.07% ▲ 0.99% above Michigan avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.08%▲ 0.99% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
3.37%3.97%4.57%Sep 14, 2026: 3.87% APYOct 9, 2026: 4.07% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.07%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
18 Month Jumbo and Jumbo IRA Certificate
$100,000
4.01% ▲ 0.93% above Michigan avg
View
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.08%▲ 0.93% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 6 times
3.51%4.01%4.51%Sep 14, 2026: 4.01% APYSep 14, 2026Oct 12, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
18 Month Certificate or IRA-HSA
$500
4.00% ▲ 0.92% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.08%▲ 0.92% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
3.20%3.85%4.50%Sep 14, 2026: 3.70% APYSep 25, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • Sep 25, 20264.00%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Dearborn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
18 MONTH VARIABLE RATE IRA
$100
3.96% ▲ 0.88% above Michigan avg
View
▼
Rate3.89%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.08%▲ 0.88% above avgNationally 2.87%
Details

The interest rate and APY may change after account opening

Rate History
1 change since Sep 14, 2026 · 3.79% → 3.96% ▲ 0.17 pts · high 3.96% / low 3.79%
3.29%3.88%4.46%Sep 14, 2026: 3.79% APYOct 3, 2026: 3.96% APYSep 14, 2026Oct 12, 2026
  • Oct 3, 20263.96%▲ from 3.79%
  • Sep 14, 20263.79%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
18 Month IRA Certificate
$500
3.96% ▲ 0.88% above Michigan avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.08%▲ 0.88% above avgNationally 2.87%
Details

Penalty for early withdrawal.

Rate History
No change since Sep 18, 2026 · 3.96% APY · checked 4 times
3.46%3.96%4.46%Sep 18, 2026: 3.96% APYSep 18, 2026Oct 12, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
18 Month Term Certificate
$500
3.96% ▲ 0.88% above Michigan avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.08%▲ 0.88% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 6 times
3.46%3.96%4.46%Sep 14, 2026: 3.96% APYSep 14, 2026Oct 12, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
CD - 18 Month
$0
3.95% ▲ 0.87% above Michigan avg
View
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.08%▲ 0.87% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.95% ▲ 0.15 pts · high 3.95% / low 3.80%
3.30%3.88%4.45%Sep 14, 2026: 3.80% APYSep 24, 2026: 3.95% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20263.95%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
18 Month CD
$10,000
3.91% ▲ 0.83% above Michigan avg
View
▼
Rate3.85%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.08%▲ 0.83% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.91% APY · checked 5 times
3.41%3.91%4.41%Sep 14, 2026: 3.91% APYSep 14, 2026Oct 12, 2026
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
18 Month IRA CD
$4,000
3.91% ▲ 0.83% above Michigan avg
View
▼
Rate3.85%
Min Deposit$4,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.08%▲ 0.83% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.91% APY · checked 5 times
3.41%3.91%4.41%Sep 14, 2026: 3.91% APYSep 14, 2026Oct 12, 2026
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
18 Month Jump Rate Certificate
$500
3.85% ▲ 0.77% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.08%▲ 0.77% above avgNationally 2.87%
Details

Rate Jump allows opting into a new rate once per term if rates increase

Rate History
No change since Sep 16, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 16, 2026: 3.85% APYSep 16, 2026Oct 12, 2026
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
18 Month Business 31 Certificate of Deposit
$0
3.85% ▲ 0.77% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Michigan Average3.08%▲ 0.77% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 12, 2026
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
18 Month Compounding Certificate
$0
3.85% ▲ 0.77% above Michigan avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.08%▲ 0.77% above avgNationally 2.87%
Details

Rate History
No change since Oct 5, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 5, 2026: 3.85% APYOct 5, 2026Oct 12, 2026
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
18 Month CD
$500
3.85% ▲ 0.77% above Michigan avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.08%▲ 0.77% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 12, 2026
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
18 Month IRA CD
$500
3.85% ▲ 0.77% above Michigan avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.08%▲ 0.77% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 12, 2026
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
18 Month Certificate
$500
3.80% ▲ 0.72% above Michigan avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.08%▲ 0.72% above avgNationally 2.87%
Details

Interest Period Compounded & Credited: Quarterly

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 12, 2026
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
18 Month Youth
$100
3.80% ▲ 0.72% above Michigan avg
View
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.08%▲ 0.72% above avgNationally 2.87%
Details

Interest Period Compounded & Credited: Quarterly

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 12, 2026
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
18 Month Certificate
$0
3.80% ▲ 0.72% above Michigan avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.08%▲ 0.72% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 12, 2026
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Certificate of Deposit - 18 Months Regular & IRA
$500
3.80% ▲ 0.72% above Michigan avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.08%▲ 0.72% above avgNationally 2.87%
Details

Interest paid monthly

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75%
3.25%3.78%4.30%Sep 14, 2026: 3.75% APYOct 9, 2026: 3.80% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20263.80%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
18-Month Certificate
$1,000
3.80% ▲ 0.72% above Michigan avg
View
▼
Rate3.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.08%▲ 0.72% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70%
3.20%3.75%4.30%Sep 18, 2026: 3.70% APYSep 27, 2026: 3.80% APYSep 18, 2026Oct 12, 2026
  • Sep 27, 20263.80%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
18 Month Certificates
$500
3.79% ▲ 0.71% above Michigan avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Michigan Average3.08%▲ 0.71% above avgNationally 2.87%
Details

Rate History
1 change since Sep 12, 2026 · 3.54% → 3.79% ▲ 0.25 pts · high 3.79% / low 3.54%
3.04%3.67%4.29%Sep 12, 2026: 3.54% APYOct 8, 2026: 3.79% APYSep 12, 2026Oct 12, 2026
  • Oct 8, 20263.79%▲ from 3.54%
  • Sep 12, 20263.54%first recorded
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
18 Month CD
$0
3.75% ▲ 0.67% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.08%▲ 0.67% above avgNationally 2.87%
Details

Rate History
No change since Sep 19, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 19, 2026: 3.75% APYSep 19, 2026Oct 12, 2026
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
18 month CD
$500
3.70% ▲ 0.62% above Michigan avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.08%▲ 0.62% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.50% → 3.70% ▲ 0.20 pts · high 3.70% / low 3.50%
3.00%3.60%4.20%Sep 18, 2026: 3.50% APYOct 9, 2026: 3.70% APYSep 18, 2026Oct 12, 2026
  • Oct 9, 20263.70%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
18-month CD
$500
3.70% ▲ 0.62% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.08%▲ 0.62% above avgNationally 2.87%
Details

Early withdrawal penalty on 12-month term or longer is 180-days loss of interest.

Rate History
1 change since Sep 18, 2026 · 3.50% → 3.70% ▲ 0.20 pts · high 3.70% / low 3.50%
3.00%3.60%4.20%Sep 18, 2026: 3.50% APYOct 9, 2026: 3.70% APYSep 18, 2026Oct 12, 2026
  • Oct 9, 20263.70%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
18 Month Certificates & IRA Certificates of Deposit
$0
3.70% ▲ 0.62% above Michigan avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.08%▲ 0.62% above avgNationally 2.87%
Details

Balance: $50,000 and above

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.70% ▲ 0.10 pts · high 3.70% / low 3.60%
3.10%3.65%4.20%Sep 14, 2026: 3.60% APYOct 9, 2026: 3.70% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20263.70%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Lake Huron Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
18 Month Certificate
$0
3.67% ▲ 0.59% above Michigan avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.08%▲ 0.59% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.67% APY · checked 3 times
3.17%3.67%4.17%Sep 14, 2026: 3.67% APYSep 14, 2026Oct 12, 2026
Construction Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.50%
18 Month Certificate of Deposit
$2,500
3.65% ▲ 0.57% above Michigan avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.08%▲ 0.57% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 12, 2026
Construction Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.50%
18 Month IRA Certificate of Deposit
$2,500
3.65% ▲ 0.57% above Michigan avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.08%▲ 0.57% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 12, 2026
Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
18 Month Share Certificate
$1,000
3.60% ▲ 0.52% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Michigan Average3.08%▲ 0.52% above avgNationally 2.87%
Details

Rates subject to change. Penalties will be imposed for early withdrawal. Fees could reduce the earnings on accounts.

Rate History
No change since Sep 25, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 25, 2026: 3.60% APYSep 25, 2026Oct 12, 2026
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
1.5 Year Share Certificate of Deposit
$0
3.60% ▲ 0.52% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.08%▲ 0.52% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 12, 2026
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
IRA Share Certificate of Deposit - 1.5 year
$0
3.60% ▲ 0.52% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.08%▲ 0.52% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 12, 2026
CASE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
18 Month TDA or IRA TDA
$0
3.60% ▲ 0.52% above Michigan avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.08%▲ 0.52% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.60% ▲ 0.30 pts · high 3.60% / low 3.30%
2.80%3.45%4.10%Sep 14, 2026: 3.30% APYOct 9, 2026: 3.60% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20263.60%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
AAC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
18 Month Certificate
$0
3.60% ▲ 0.52% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.08%▲ 0.52% above avgNationally 2.87%
Details

Rates also apply to IRA and HSA Certificates of Deposit.

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 12, 2026

East Grand Rapids 24 Month CD Rates

Michigan 24 Month CD Average2.97% APYNational 2.88%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
2 Year Rising Rate Certificate of Deposit - Year 2 term
$0
4.75% ▲ 1.79% above Michigan avg
View
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.97%▲ 1.79% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.75% APY · checked 3 times
4.25%4.75%5.25%Oct 7, 2026: 4.75% APYOct 7, 2026Oct 12, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 24 Month
$0
4.50% ▲ 1.54% above Michigan avg
View
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.97%▲ 1.54% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
3.65%4.33%5.00%Sep 14, 2026: 4.15% APYSep 24, 2026: 4.50% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.50%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Lake Huron Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
24 Month Certificate
$0
4.50% ▲ 1.54% above Michigan avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.97%▲ 1.54% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.50% ▲ 0.94 pts · high 4.50% / low 3.56%
2.62%4.03%5.44%Sep 14, 2026: 3.56% APYSep 29, 2026: 4.50% APYSep 14, 2026Oct 12, 2026
  • Sep 29, 20264.50%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
24 Month Certificate
$500
4.50% ▲ 1.54% above Michigan avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.97%▲ 1.54% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 18, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
3.70%4.35%5.00%Sep 18, 2026: 4.20% APYSep 22, 2026: 4.40% APYSep 29, 2026: 4.50% APYSep 18, 2026Oct 12, 2026
  • Sep 29, 20264.50%▲ from 4.40%
  • Sep 22, 20264.40%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
IRA Certificate - 24 Month
$500
4.50% ▲ 1.54% above Michigan avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.97%▲ 1.54% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
3.70%4.35%5.00%Sep 18, 2026: 4.20% APYSep 29, 2026: 4.50% APYSep 18, 2026Oct 12, 2026
  • Sep 29, 20264.50%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
24 Month Certificate
$500
4.45% ▲ 1.49% above Michigan avg
View
▼
Rate4.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.97%▲ 1.49% above avgNationally 2.88%
Details

Rate History
1 change since Sep 25, 2026 · 4.29% → 4.45% ▲ 0.16 pts · high 4.45% / low 4.29%
3.79%4.37%4.95%Sep 25, 2026: 4.29% APYOct 4, 2026: 4.45% APYSep 25, 2026Oct 12, 2026
  • Oct 4, 20264.45%▲ from 4.29%
  • Sep 25, 20264.29%first recorded
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
24 Month Share Certificate
$500
4.45% ▲ 1.49% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.97%▲ 1.49% above avgNationally 2.88%
Details

Only new funds eligible for promotional rate. Qualifications apply.

Rate History
No change since Oct 4, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 4, 2026: 4.45% APYOct 4, 2026Oct 12, 2026
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Simple CDs - 24 Months
$0
4.40% ▲ 1.44% above Michigan avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.97%▲ 1.44% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00%
3.50%4.20%4.90%Sep 14, 2026: 4.00% APYOct 6, 2026: 4.40% APYSep 14, 2026Oct 12, 2026
  • Oct 6, 20264.40%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
24 Month CD
$0
4.32% ▲ 1.36% above Michigan avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.97%▲ 1.36% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.32% ▲ 0.52 pts · high 4.32% / low 3.80%
3.28%4.06%4.84%Sep 14, 2026: 3.80% APYOct 9, 2026: 4.32% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.32%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
24 Month Certificate of Deposit
$0
4.30% ▲ 1.34% above Michigan avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.97%▲ 1.34% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Sep 18, 2026: 4.00% APYSep 24, 2026: 4.30% APYSep 18, 2026Oct 12, 2026
  • Sep 24, 20264.30%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Time Certificate of Deposit - 24 Month
$0
4.30% ▲ 1.34% above Michigan avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.97%▲ 1.34% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 12, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2-Year Certificate or IRA-HSA Jumbo
$100,000
4.30% ▲ 1.34% above Michigan avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.97%▲ 1.34% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
3.65%4.23%4.80%Sep 14, 2026: 4.15% APYSep 25, 2026: 4.30% APYSep 14, 2026Oct 12, 2026
  • Sep 25, 20264.30%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
Jumbo Share Certificates - 24 months
$0
4.27% ▲ 1.30% above Michigan avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Michigan Average2.97%▲ 1.30% above avgNationally 2.88%
Details

Rate History
1 change since Sep 12, 2026 · 3.91% → 4.27% ▲ 0.36 pts · high 4.27% / low 3.91%
3.41%4.09%4.77%Sep 12, 2026: 3.91% APYOct 4, 2026: 4.27% APYSep 12, 2026Oct 12, 2026
  • Oct 4, 20264.27%▲ from 3.91%
  • Sep 12, 20263.91%first recorded
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
24-month CD/IRA Promotional Rate
$0
4.25% ▲ 1.29% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.97%▲ 1.29% above avgNationally 2.88%
Details

Promotional Rate. Rates may vary by zip code. APY (Annual Percentage Yield) effective 9/25/2026 for a limited time. See Details.

Rate History
No change since Sep 27, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 27, 2026: 4.25% APYSep 27, 2026Oct 12, 2026
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
24 Month Certificate of Deposit
$0
4.25% ▲ 1.29% above Michigan avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.97%▲ 1.29% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 14, 2026: 3.90% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.25%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
24-MONTH CD
$500
4.25% ▲ 1.29% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.97%▲ 1.29% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.25%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
CD - 24 Month
$0
4.20% ▲ 1.24% above Michigan avg
View
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.97%▲ 1.24% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 14, 2026: 3.85% APYSep 24, 2026: 4.20% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.20%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
24 Month Certificate
$0
4.18% ▲ 1.21% above Michigan avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.97%▲ 1.21% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.76% → 4.18% ▲ 0.42 pts · high 4.18% / low 3.76%
3.26%3.97%4.68%Sep 18, 2026: 3.76% APYOct 9, 2026: 4.18% APYSep 18, 2026Oct 12, 2026
  • Oct 9, 20264.18%▲ from 3.76%
  • Sep 18, 20263.76%first recorded
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
24 Month Certificate
$0
4.16% ▲ 1.20% above Michigan avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.97%▲ 1.20% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 18, 2026 · 3.80% → 4.16% ▲ 0.36 pts · high 4.32% / low 3.80%
3.28%4.06%4.84%Sep 18, 2026: 3.80% APYSep 29, 2026: 4.32% APYOct 9, 2026: 4.16% APYSep 18, 2026Oct 12, 2026
  • Oct 9, 20264.16%▼ from 4.32%
  • Sep 29, 20264.32%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
24 Month IRA
$0
4.16% ▲ 1.20% above Michigan avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.97%▲ 1.20% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 4.16% APY · checked 3 times
3.66%4.16%4.66%Oct 9, 2026: 4.16% APYOct 9, 2026Oct 12, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2-Year Certificate or IRA-HSA
$500
4.15% ▲ 1.19% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.97%▲ 1.19% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYSep 25, 2026: 4.15% APYSep 14, 2026Oct 12, 2026
  • Sep 25, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
24 MONTH CD
$50,000
4.15% ▲ 1.19% above Michigan avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.97%▲ 1.19% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85%
3.35%4.00%4.65%Sep 14, 2026: 3.85% APYOct 9, 2026: 4.15% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.15%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
24 Month Certificate of Deposit
$1,000
4.15% ▲ 1.19% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.97%▲ 1.19% above avgNationally 2.88%
Details

APY: Annual Percentage Yield

Rate History
1 change since Sep 22, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 22, 2026: 4.00% APYOct 9, 2026: 4.15% APYSep 22, 2026Oct 12, 2026
  • Oct 9, 20264.15%▲ from 4.00%
  • Sep 22, 20264.00%first recorded
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
24 Month Certificate
$500
4.13% ▲ 1.17% above Michigan avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.97%▲ 1.17% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
3.37%4.00%4.63%Sep 14, 2026: 3.87% APYOct 9, 2026: 4.13% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.13%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
24 Month Youth Certificate
$100
4.13% ▲ 1.17% above Michigan avg
View
▼
Rate4.05%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.97%▲ 1.17% above avgNationally 2.88%
Details

Must be under 18 years of age

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
3.37%4.00%4.63%Sep 14, 2026: 3.87% APYOct 9, 2026: 4.13% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.13%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
24 Month Certificate
$500
4.10% ▲ 1.13% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.97%▲ 1.13% above avgNationally 2.88%
Details

Rate History
No change since Sep 16, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Sep 16, 2026: 4.10% APYSep 16, 2026Oct 12, 2026
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
24 Month IRA Certificate
$0
4.10% ▲ 1.13% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.97%▲ 1.13% above avgNationally 2.88%
Details

Individual accounts only

Rate History
No change since Sep 16, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 16, 2026: 4.10% APYSep 16, 2026Oct 12, 2026
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
2 Year IRA & SHARE CERTIFICATES
$500
4.06% ▲ 1.09% above Michigan avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Michigan Average2.97%▲ 1.09% above avgNationally 2.88%
Details

Rate History
No change since Sep 12, 2026 · 4.06% APY · checked 5 times
3.56%4.06%4.56%Sep 12, 2026: 4.06% APYSep 12, 2026Oct 12, 2026
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
24 MONTH CD
$500
4.05% ▲ 1.09% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.97%▲ 1.09% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
3.25%3.90%4.55%Sep 14, 2026: 3.75% APYOct 9, 2026: 4.05% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.05%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
ADD ON 24 MO CERT
$100
4.05% ▲ 1.09% above Michigan avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.97%▲ 1.09% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
3.25%3.90%4.55%Sep 14, 2026: 3.75% APYOct 9, 2026: 4.05% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.05%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
2 Year Jumbo and Jumbo IRA Certificate
$100,000
4.04% ▲ 1.08% above Michigan avg
View
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.97%▲ 1.08% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.84% → 4.04% ▲ 0.20 pts · high 4.04% / low 3.84%
3.34%3.94%4.54%Sep 14, 2026: 3.84% APYOct 10, 2026: 4.04% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.04%▲ from 3.84%
  • Sep 14, 20263.84%first recorded
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
24-month CD
$1,000
4.00% ▲ 1.04% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.97%▲ 1.04% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 14, 2026: 3.00% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
United Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
24 month CD Special
$0
4.00% ▲ 1.04% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.97%▲ 1.04% above avgNationally 2.88%
Details

Limited time CD Special.

Rate History
No change since Sep 8, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 8, 2026: 4.00% APYSep 8, 2026Oct 12, 2026
United Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
24 month term
$500
4.00% ▲ 1.04% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.97%▲ 1.04% above avgNationally 2.88%
Details

Open at your local branch

Rate History
No change since Sep 29, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 29, 2026: 4.00% APYSep 29, 2026Oct 12, 2026
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
24 Month Youth CD
$250
4.00% ▲ 1.04% above Michigan avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.97%▲ 1.04% above avgNationally 2.88%
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.

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
2 Year IRA Certificate
$500
3.99% ▲ 1.03% above Michigan avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.97%▲ 1.03% above avgNationally 2.88%
Details

Penalty for early withdrawal.

Rate History
1 change since Sep 18, 2026 · 3.79% → 3.99% ▲ 0.20 pts · high 3.99% / low 3.79%
3.29%3.89%4.49%Sep 18, 2026: 3.79% APYOct 10, 2026: 3.99% APYSep 18, 2026Oct 12, 2026
  • Oct 10, 20263.99%▲ from 3.79%
  • Sep 18, 20263.79%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
2 Year Term Certificate
$500
3.99% ▲ 1.03% above Michigan avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.97%▲ 1.03% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 3.79% → 3.99% ▲ 0.20 pts · high 3.99% / low 3.79%
3.29%3.89%4.49%Sep 14, 2026: 3.79% APYOct 1, 2026: 3.84% APYOct 10, 2026: 3.99% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20263.99%▲ from 3.84%
  • Oct 1, 20263.84%▲ from 3.79%
  • Sep 14, 20263.79%first recorded
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
24 Month Share Certificate
$0
3.96% ▲ 1.00% above Michigan avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Michigan Average2.97%▲ 1.00% above avgNationally 2.88%
Details

Rate History
1 change since Sep 12, 2026 · 3.60% → 3.96% ▲ 0.36 pts · high 3.96% / low 3.60%
3.10%3.78%4.46%Sep 12, 2026: 3.60% APYOct 8, 2026: 3.96% APYSep 12, 2026Oct 12, 2026
  • Oct 8, 20263.96%▲ from 3.60%
  • Sep 12, 20263.60%first recorded
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
PLUS Certificate - 2 Year
$0
3.96% ▲ 1.00% above Michigan avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.97%▲ 1.00% above avgNationally 2.88%
Details

Plus Certificates allow you to increase the APY two times during the certificate's maturity period. Rate may change after the account is opened. Penalty if you withdraw funds before the maturity date.

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.96% ▲ 0.46 pts · high 3.96% / low 3.50%
3.00%3.73%4.46%Sep 14, 2026: 3.50% APYSep 25, 2026: 3.96% APYSep 14, 2026Oct 12, 2026
  • Sep 25, 20263.96%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
2 Year Jumbo Certificate
$0
3.95% ▲ 0.99% above Michigan avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.97%▲ 0.99% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
3.00%3.73%4.45%Sep 14, 2026: 3.50% APYSep 25, 2026: 3.95% APYSep 14, 2026Oct 12, 2026
  • Sep 25, 20263.95%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
2 Year Certificate
$0
3.90% ▲ 0.94% above Michigan avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.97%▲ 0.94% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.90% ▲ 0.45 pts · high 3.90% / low 3.45%
2.95%3.68%4.40%Sep 14, 2026: 3.45% APYSep 25, 2026: 3.90% APYSep 14, 2026Oct 12, 2026
  • Sep 25, 20263.90%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Michigan One Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
Regular CDs - 24 months
$500
3.90% ▲ 0.94% above Michigan avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.97%▲ 0.94% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.90% ▲ 0.20 pts · high 3.90% / low 3.70%
3.20%3.80%4.40%Sep 14, 2026: 3.70% APYOct 9, 2026: 3.90% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20263.90%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
24 Month Jump Rate Certificate
$500
3.85% ▲ 0.89% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.97%▲ 0.89% above avgNationally 2.88%
Details

Rate Jump allows opting into a new rate once per term if rates increase

Rate History
No change since Sep 16, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 16, 2026: 3.85% APYSep 16, 2026Oct 12, 2026
Huron Valley State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.74%
2 Year Certificate
$0
3.81% ▲ 0.85% above Michigan avg
View
▼
Rate3.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Michigan Average2.97%▲ 0.85% above avgNationally 2.88%
Details

Balance: $500 - $49,999.99

Rate History
No change since Sep 24, 2026 · 3.81% APY · checked 5 times
3.31%3.81%4.31%Sep 24, 2026: 3.81% APYSep 24, 2026Oct 12, 2026
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
24 Month CD
$0
3.80% ▲ 0.84% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.97%▲ 0.84% above avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 19, 2026: 3.80% APYSep 19, 2026Oct 12, 2026
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Certificate of Deposit - 24 Months Regular & IRA
$500
3.80% ▲ 0.84% above Michigan avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.97%▲ 0.84% above avgNationally 2.88%
Details

Interest paid monthly

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75%
3.25%3.78%4.30%Sep 14, 2026: 3.75% APYOct 9, 2026: 3.80% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20263.80%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
24 month CD
$500
3.80% ▲ 0.84% above Michigan avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.97%▲ 0.84% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.80% ▲ 0.50 pts · high 3.80% / low 3.30%
2.80%3.55%4.30%Sep 14, 2026: 3.30% APYOct 9, 2026: 3.80% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20263.80%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
IRA Certificate - 24 months
$0
3.80% ▲ 0.84% above Michigan avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.97%▲ 0.84% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 12, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
24 Month Youth Certificate
$0
3.75% ▲ 0.79% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.97%▲ 0.79% above avgNationally 2.88%
Details

Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 12, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Youth Certificates - 24 months
$0
3.75% ▲ 0.79% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.97%▲ 0.79% above avgNationally 2.88%
Details

Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 12, 2026

East Grand Rapids 36 Month CD Rates

Michigan 36 Month CD Average2.93% APYNational 2.81%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
3-Year Rising Rate Certificate of Deposit - Year 3 term
$0
5.00% ▲ 2.07% above Michigan avg
View
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.93%▲ 2.07% above avgNationally 2.81%
Details

Rate History
No change since Sep 19, 2026 · 5.00% APY · checked 4 times
4.50%5.00%5.50%Sep 19, 2026: 5.00% APYSep 19, 2026Oct 12, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
3-Year Rising Rate Certificate of Deposit - Blended APY
$0
4.75% ▲ 1.82% above Michigan avg
View
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.93%▲ 1.82% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 4.75% APY · checked 3 times
4.25%4.75%5.25%Oct 7, 2026: 4.75% APYOct 7, 2026Oct 12, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
3-Year Rising Rate Certificate of Deposit - Year 2 term
$0
4.75% ▲ 1.82% above Michigan avg
View
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.93%▲ 1.82% above avgNationally 2.81%
Details

Rate History
No change since Sep 19, 2026 · 4.75% APY · checked 4 times
4.25%4.75%5.25%Sep 19, 2026: 4.75% APYSep 19, 2026Oct 12, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 36 Month
$0
4.60% ▲ 1.67% above Michigan avg
View
▼
Rate4.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.93%▲ 1.67% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
3.70%4.40%5.10%Sep 14, 2026: 4.20% APYSep 24, 2026: 4.60% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.60%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
3-Year Rising Rate Certificate of Deposit - Year 1 term
$0
4.50% ▲ 1.57% above Michigan avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.93%▲ 1.57% above avgNationally 2.81%
Details

Rate History
No change since Sep 19, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Sep 19, 2026: 4.50% APYSep 19, 2026Oct 12, 2026
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
36 Month Certificate of Deposit
$0
4.45% ▲ 1.52% above Michigan avg
View
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.93%▲ 1.52% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 18, 2026 · 4.00% → 4.45% ▲ 0.45 pts · high 4.45% / low 4.00%
3.50%4.23%4.95%Sep 18, 2026: 4.00% APYSep 24, 2026: 4.30% APYOct 2, 2026: 4.45% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20264.45%▲ from 4.30%
  • Sep 24, 20264.30%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Time Certificate of Deposit - 36 Month
$0
4.45% ▲ 1.52% above Michigan avg
View
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.93%▲ 1.52% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 7, 2026: 4.45% APYOct 7, 2026Oct 12, 2026
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Simple CDs - 36 Months
$0
4.40% ▲ 1.47% above Michigan avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.93%▲ 1.47% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00%
3.50%4.20%4.90%Sep 14, 2026: 4.00% APYOct 6, 2026: 4.40% APYSep 14, 2026Oct 12, 2026
  • Oct 6, 20264.40%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
36 Month CD
$0
4.37% ▲ 1.44% above Michigan avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.93%▲ 1.44% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.91% → 4.37% ▲ 0.46 pts · high 4.37% / low 3.91%
3.41%4.14%4.87%Sep 14, 2026: 3.91% APYOct 9, 2026: 4.37% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.37%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
3-Year Certificate or IRA-HSA Jumbo
$100,000
4.35% ▲ 1.42% above Michigan avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.93%▲ 1.42% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 14, 2026: 4.00% APYSep 25, 2026: 4.35% APYSep 14, 2026Oct 12, 2026
  • Sep 25, 20264.35%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
Jumbo Share Certificates - 36 months
$0
4.32% ▲ 1.39% above Michigan avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Michigan Average2.93%▲ 1.39% above avgNationally 2.81%
Details

Rate History
1 change since Sep 12, 2026 · 3.96% → 4.32% ▲ 0.36 pts · high 4.32% / low 3.96%
3.46%4.14%4.82%Sep 12, 2026: 3.96% APYOct 4, 2026: 4.32% APYSep 12, 2026Oct 12, 2026
  • Oct 4, 20264.32%▲ from 3.96%
  • Sep 12, 20263.96%first recorded
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
36 Month Certificate
$500
4.30% ▲ 1.37% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.93%▲ 1.37% above avgNationally 2.81%
Details

Rate History
No change since Sep 16, 2026 · 4.30% APY · checked 5 times
3.80%4.30%4.80%Sep 16, 2026: 4.30% APYSep 16, 2026Oct 12, 2026
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
36 Month IRA Certificate
$0
4.30% ▲ 1.37% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.93%▲ 1.37% above avgNationally 2.81%
Details

Individual accounts only

Rate History
No change since Sep 16, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 16, 2026: 4.30% APYSep 16, 2026Oct 12, 2026
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
36 Month Share Certificate
$1,000
4.25% ▲ 1.32% above Michigan avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Michigan Average2.93%▲ 1.32% above avgNationally 2.81%
Details

Rate History
No change since Sep 25, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 25, 2026: 4.25% APYSep 25, 2026Oct 12, 2026
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
36 Month Certificate
$0
4.23% ▲ 1.30% above Michigan avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.93%▲ 1.30% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
3.32%4.03%4.73%Sep 18, 2026: 3.82% APYOct 9, 2026: 4.23% APYSep 18, 2026Oct 12, 2026
  • Oct 9, 20264.23%▲ from 3.82%
  • Sep 18, 20263.82%first recorded
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
36 Month Certificate
$0
4.22% ▲ 1.29% above Michigan avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.93%▲ 1.29% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 18, 2026 · 3.91% → 4.22% ▲ 0.31 pts · high 4.37% / low 3.91%
3.41%4.14%4.87%Sep 18, 2026: 3.91% APYSep 29, 2026: 4.37% APYOct 9, 2026: 4.22% APYSep 18, 2026Oct 12, 2026
  • Oct 9, 20264.22%▼ from 4.37%
  • Sep 29, 20264.37%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
36 Month IRA
$0
4.22% ▲ 1.29% above Michigan avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.93%▲ 1.29% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 4.22% APY · checked 3 times
3.72%4.22%4.72%Oct 9, 2026: 4.22% APYOct 9, 2026Oct 12, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
3-Year Certificate or IRA-HSA
$500
4.20% ▲ 1.27% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.93%▲ 1.27% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 14, 2026: 3.85% APYSep 25, 2026: 4.20% APYSep 14, 2026Oct 12, 2026
  • Sep 25, 20264.20%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
36 MONTH CD
$50,000
4.20% ▲ 1.27% above Michigan avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.93%▲ 1.27% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90%
3.40%4.05%4.70%Sep 14, 2026: 3.90% APYOct 9, 2026: 4.20% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.20%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
36 Month Certificate
$500
4.18% ▲ 1.25% above Michigan avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.93%▲ 1.25% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.18% ▲ 0.31 pts · high 4.18% / low 3.87%
3.37%4.03%4.68%Sep 14, 2026: 3.87% APYOct 9, 2026: 4.18% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.18%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
36 Month Certificate of Deposit
$1,000
4.15% ▲ 1.22% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.93%▲ 1.22% above avgNationally 2.81%
Details

APY: Annual Percentage Yield

Rate History
1 change since Sep 22, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 22, 2026: 4.00% APYOct 9, 2026: 4.15% APYSep 22, 2026Oct 12, 2026
  • Oct 9, 20264.15%▲ from 4.00%
  • Sep 22, 20264.00%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3 Year Jumbo and Jumbo IRA Certificate
$100,000
4.13% ▲ 1.20% above Michigan avg
View
▼
Rate4.07%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.93%▲ 1.20% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.06% → 4.13% ▲ 0.07 pts · high 4.13% / low 4.06%
3.56%4.10%4.63%Sep 14, 2026: 4.06% APYOct 10, 2026: 4.13% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.13%▲ from 4.06%
  • Sep 14, 20264.06%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
CD - 36 Month
$0
4.10% ▲ 1.17% above Michigan avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.93%▲ 1.17% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYSep 24, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
36 MONTH CD
$500
4.10% ▲ 1.17% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.93%▲ 1.17% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
3.30%3.95%4.60%Sep 14, 2026: 3.80% APYOct 9, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.10%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3 Year IRA Certificate
$500
4.08% ▲ 1.15% above Michigan avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.93%▲ 1.15% above avgNationally 2.81%
Details

Penalty for early withdrawal.

Rate History
1 change since Sep 18, 2026 · 4.01% → 4.08% ▲ 0.07 pts · high 4.08% / low 4.01%
3.51%4.05%4.58%Sep 18, 2026: 4.01% APYOct 10, 2026: 4.08% APYSep 18, 2026Oct 12, 2026
  • Oct 10, 20264.08%▲ from 4.01%
  • Sep 18, 20264.01%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3 Year Term Certificate
$500
4.08% ▲ 1.15% above Michigan avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.93%▲ 1.15% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 4.01% → 4.08% ▲ 0.07 pts · high 4.08% / low 4.01%
3.51%4.05%4.58%Sep 14, 2026: 4.01% APYOct 1, 2026: 4.06% APYOct 10, 2026: 4.08% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.08%▲ from 4.06%
  • Oct 1, 20264.06%▲ from 4.01%
  • Sep 14, 20264.01%first recorded
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
36 Month Jump Rate Certificate
$500
4.05% ▲ 1.12% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.93%▲ 1.12% above avgNationally 2.81%
Details

Rate Jump allows opting into a new rate once per term if rates increase

Rate History
No change since Sep 16, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 16, 2026: 4.05% APYSep 16, 2026Oct 12, 2026
FNB of Wakefield
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
36 Month Certificate
$0
4.04% ▲ 1.11% above Michigan avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average2.93%▲ 1.11% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 4.04% APY · checked 2 times
3.54%4.04%4.54%Oct 8, 2026: 4.04% APYOct 8, 2026Oct 12, 2026
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
36 Month Share Certificate
$0
4.01% ▲ 1.08% above Michigan avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Michigan Average2.93%▲ 1.08% above avgNationally 2.81%
Details

Rate History
1 change since Sep 12, 2026 · 3.65% → 4.01% ▲ 0.36 pts · high 4.01% / low 3.65%
3.15%3.83%4.51%Sep 12, 2026: 3.65% APYOct 8, 2026: 4.01% APYSep 12, 2026Oct 12, 2026
  • Oct 8, 20264.01%▲ from 3.65%
  • Sep 12, 20263.65%first recorded
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
36 Month Youth CD
$250
4.00% ▲ 1.07% above Michigan avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.93%▲ 1.07% above avgNationally 2.81%
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.

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
Michigan One Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
Regular CDs - 36 months
$500
3.95% ▲ 1.02% above Michigan avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.93%▲ 1.02% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75%
3.25%3.85%4.45%Sep 14, 2026: 3.75% APYOct 9, 2026: 3.95% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20263.95%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
36 month CD
$500
3.90% ▲ 0.97% above Michigan avg
View
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.93%▲ 0.97% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.90% ▲ 0.60 pts · high 3.90% / low 3.30%
2.70%3.60%4.50%Sep 14, 2026: 3.30% APYOct 9, 2026: 3.90% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20263.90%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Huron Valley State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.74%
3 Year Certificate
$0
3.88% ▲ 0.95% above Michigan avg
View
▼
Rate3.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Michigan Average2.93%▲ 0.95% above avgNationally 2.81%
Details

Balance: $500 - $4,999.99

Rate History
No change since Sep 24, 2026 · 3.88% APY · checked 5 times
3.38%3.88%4.38%Sep 24, 2026: 3.88% APYSep 24, 2026Oct 12, 2026
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
36 Month CD
$0
3.85% ▲ 0.92% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.93%▲ 0.92% above avgNationally 2.81%
Details

Rate History
No change since Sep 19, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 19, 2026: 3.85% APYSep 19, 2026Oct 12, 2026
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
IRA Certificate - 36 months
$0
3.85% ▲ 0.92% above Michigan avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.93%▲ 0.92% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 12, 2026
Extra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
36 Month Certificate
$0
3.80% ▲ 0.87% above Michigan avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.93%▲ 0.87% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 12, 2026
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Certificate of Deposit - 36 Months Regular & IRA
$500
3.80% ▲ 0.87% above Michigan avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.93%▲ 0.87% above avgNationally 2.81%
Details

Interest paid monthly

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75%
3.25%3.78%4.30%Sep 14, 2026: 3.75% APYOct 9, 2026: 3.80% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20263.80%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Jumbo Term Share Certificates - 3 Years
$0
3.80% ▲ 0.87% above Michigan avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.93%▲ 0.87% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 12, 2026
CASE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
3 Year TDA or IRA TDA
$0
3.75% ▲ 0.82% above Michigan avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.93%▲ 0.82% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35%
2.85%3.55%4.25%Sep 14, 2026: 3.35% APYOct 9, 2026: 3.75% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20263.75%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Best Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
36 Month Certificate
$500
3.75% ▲ 0.82% above Michigan avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.93%▲ 0.82% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 180 days interest

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 12, 2026
Best Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
36 Month IRA Certificates
$500
3.75% ▲ 0.82% above Michigan avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.93%▲ 0.82% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 180 days interest

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 12, 2026
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
36 Month Certificate
$500
3.75% ▲ 0.82% above Michigan avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.93%▲ 0.82% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 12, 2026
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
IRA Certificate - 36 Month
$500
3.75% ▲ 0.82% above Michigan avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.93%▲ 0.82% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 12, 2026
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
36 Month Certificate
$0
3.75% ▲ 0.82% above Michigan avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.93%▲ 0.82% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 12, 2026
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
36 Month Certificates of Deposit and IRA Certificates of Deposit
$500
3.70% ▲ 0.77% above Michigan avg
View
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.93%▲ 0.77% above avgNationally 2.81%
Details

0.10% APY bonus earned if you also have a M1 Premier Checking Account.

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.70% ▲ 0.20 pts · high 3.70% / low 3.50%
3.00%3.60%4.20%Sep 14, 2026: 3.50% APYOct 9, 2026: 3.70% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20263.70%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3 Year Term Share Certificates
$1,000
3.70% ▲ 0.77% above Michigan avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average2.93%▲ 0.77% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 12, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
36 Month Certificate of Deposit
$100,000
3.65% ▲ 0.72% above Michigan avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.93%▲ 0.72% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 12, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
36 Month IRA Certificate
$100,000
3.65% ▲ 0.72% above Michigan avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average2.93%▲ 0.72% above avgNationally 2.81%
Details

Rate History
1 change since Oct 2, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Oct 2, 2026: 3.50% APYOct 7, 2026: 3.65% APYOct 2, 2026Oct 12, 2026
  • Oct 7, 20263.65%▲ from 3.50%
  • Oct 2, 20263.50%first recorded
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3 Year Business Certificates
$0
3.65% ▲ 0.72% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.93%▲ 0.72% above avgNationally 2.81%
Details

Rate History
No change since Sep 21, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 21, 2026: 3.65% APYSep 21, 2026Oct 12, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3 Year Certificate
$0
3.65% ▲ 0.72% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average2.93%▲ 0.72% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 12, 2026

East Grand Rapids 48 Month CD Rates

Michigan 48 Month CD Average3.00% APYNational 2.81%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 48 Month
$0
4.70% ▲ 1.70% above Michigan avg
View
▼
Rate4.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.00%▲ 1.70% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.70% ▲ 0.45 pts · high 4.70% / low 4.25%
3.75%4.48%5.20%Sep 14, 2026: 4.25% APYSep 24, 2026: 4.70% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.70%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
48 Month Share Certificate
$1,000
4.50% ▲ 1.50% above Michigan avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Michigan Average3.00%▲ 1.50% above avgNationally 2.81%
Details

Rate History
No change since Sep 25, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Sep 25, 2026: 4.50% APYSep 25, 2026Oct 12, 2026
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
48 Month Certificate of Deposit
$0
4.45% ▲ 1.45% above Michigan avg
View
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.00%▲ 1.45% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 18, 2026 · 4.20% → 4.45% ▲ 0.25 pts · high 4.45% / low 4.20%
3.70%4.33%4.95%Sep 18, 2026: 4.20% APYSep 24, 2026: 4.30% APYOct 2, 2026: 4.45% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20264.45%▲ from 4.30%
  • Sep 24, 20264.30%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Time Certificate of Deposit - 48 Month
$0
4.45% ▲ 1.45% above Michigan avg
View
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.00%▲ 1.45% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 7, 2026: 4.45% APYOct 7, 2026Oct 12, 2026
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
48 Month CD
$0
4.42% ▲ 1.42% above Michigan avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.00%▲ 1.42% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.01% → 4.42% ▲ 0.41 pts · high 4.42% / low 4.01%
3.51%4.22%4.92%Sep 14, 2026: 4.01% APYOct 9, 2026: 4.42% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.42%▲ from 4.01%
  • Sep 14, 20264.01%first recorded
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Simple CDs - 48 Months
$0
4.40% ▲ 1.40% above Michigan avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.00%▲ 1.40% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.40% ▲ 0.50 pts · high 4.40% / low 3.90%
3.40%4.15%4.90%Sep 14, 2026: 3.90% APYOct 6, 2026: 4.40% APYSep 14, 2026Oct 12, 2026
  • Oct 6, 20264.40%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
Jumbo Share Certificates - 48 months
$0
4.37% ▲ 1.37% above Michigan avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Michigan Average3.00%▲ 1.37% above avgNationally 2.81%
Details

Rate History
1 change since Sep 12, 2026 · 4.06% → 4.37% ▲ 0.31 pts · high 4.37% / low 4.06%
3.56%4.22%4.87%Sep 12, 2026: 4.06% APYOct 4, 2026: 4.37% APYSep 12, 2026Oct 12, 2026
  • Oct 4, 20264.37%▲ from 4.06%
  • Sep 12, 20264.06%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
4-Year Certificate or IRA-HSA Jumbo
$100,000
4.35% ▲ 1.35% above Michigan avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.00%▲ 1.35% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 14, 2026: 4.00% APYSep 25, 2026: 4.35% APYSep 14, 2026Oct 12, 2026
  • Sep 25, 20264.35%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
48 Month Certificate
$0
4.28% ▲ 1.28% above Michigan avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.00%▲ 1.28% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.87% → 4.28% ▲ 0.41 pts · high 4.28% / low 3.87%
3.37%4.08%4.78%Sep 18, 2026: 3.87% APYOct 9, 2026: 4.28% APYSep 18, 2026Oct 12, 2026
  • Oct 9, 20264.28%▲ from 3.87%
  • Sep 18, 20263.87%first recorded
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
48 Month Certificate
$0
4.27% ▲ 1.27% above Michigan avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.00%▲ 1.27% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 18, 2026 · 4.01% → 4.27% ▲ 0.26 pts · high 4.42% / low 4.01%
3.51%4.22%4.92%Sep 18, 2026: 4.01% APYSep 29, 2026: 4.42% APYOct 9, 2026: 4.27% APYSep 18, 2026Oct 12, 2026
  • Oct 9, 20264.27%▼ from 4.42%
  • Sep 29, 20264.42%▲ from 4.01%
  • Sep 18, 20264.01%first recorded
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
48 Month IRA
$0
4.27% ▲ 1.27% above Michigan avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.00%▲ 1.27% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 4.27% APY · checked 3 times
3.77%4.27%4.77%Oct 9, 2026: 4.27% APYOct 9, 2026Oct 12, 2026
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
48 MONTH CD
$50,000
4.25% ▲ 1.25% above Michigan avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.00%▲ 1.25% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
3.45%4.10%4.75%Sep 14, 2026: 3.95% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.25%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
CD - 48 Month
$0
4.20% ▲ 1.20% above Michigan avg
View
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.00%▲ 1.20% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 14, 2026: 3.75% APYSep 24, 2026: 4.20% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.20%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
4-Year Certificate or IRA-HSA
$500
4.20% ▲ 1.20% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.00%▲ 1.20% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 14, 2026: 3.85% APYSep 25, 2026: 4.20% APYSep 14, 2026Oct 12, 2026
  • Sep 25, 20264.20%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
48 Month Certificate
$500
4.15% ▲ 1.15% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.00%▲ 1.15% above avgNationally 2.81%
Details

Rate History
No change since Sep 16, 2026 · 4.15% APY · checked 5 times
3.65%4.15%4.65%Sep 16, 2026: 4.15% APYSep 16, 2026Oct 12, 2026
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
48 Month IRA Certificate
$0
4.15% ▲ 1.15% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.00%▲ 1.15% above avgNationally 2.81%
Details

Individual accounts only

Rate History
No change since Sep 16, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 16, 2026: 4.15% APYSep 16, 2026Oct 12, 2026
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
48 MONTH CD
$500
4.15% ▲ 1.15% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.00%▲ 1.15% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85%
3.35%4.00%4.65%Sep 14, 2026: 3.85% APYOct 9, 2026: 4.15% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.15%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
4 Year Jumbo and Jumbo IRA Certificate
$100,000
4.13% ▲ 1.13% above Michigan avg
View
▼
Rate4.07%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.00%▲ 1.13% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.09% → 4.13% ▲ 0.04 pts · high 4.13% / low 4.09%
3.59%4.11%4.63%Sep 14, 2026: 4.09% APYOct 10, 2026: 4.13% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.13%▲ from 4.09%
  • Sep 14, 20264.09%first recorded
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
48 month CD
$500
4.10% ▲ 1.10% above Michigan avg
View
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.00%▲ 1.10% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.40% → 4.10% ▲ 0.70 pts · high 4.10% / low 3.40%
2.70%3.75%4.80%Sep 14, 2026: 3.40% APYOct 9, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.10%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
4 Year IRA Certificate
$500
4.08% ▲ 1.08% above Michigan avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.00%▲ 1.08% above avgNationally 2.81%
Details

Penalty for early withdrawal.

Rate History
1 change since Sep 18, 2026 · 4.04% → 4.08% ▲ 0.04 pts · high 4.08% / low 4.04%
3.54%4.06%4.58%Sep 18, 2026: 4.04% APYOct 10, 2026: 4.08% APYSep 18, 2026Oct 12, 2026
  • Oct 10, 20264.08%▲ from 4.04%
  • Sep 18, 20264.04%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
4 Year Term Certificate
$500
4.08% ▲ 1.08% above Michigan avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.00%▲ 1.08% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 4.04% → 4.08% ▲ 0.04 pts · high 4.09% / low 4.04%
3.54%4.06%4.59%Sep 14, 2026: 4.04% APYOct 1, 2026: 4.09% APYOct 10, 2026: 4.08% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.08%▼ from 4.09%
  • Oct 1, 20264.09%▲ from 4.04%
  • Sep 14, 20264.04%first recorded
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
48 Month Share Certificate
$0
4.06% ▲ 1.06% above Michigan avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Michigan Average3.00%▲ 1.06% above avgNationally 2.81%
Details

Rate History
1 change since Sep 12, 2026 · 3.75% → 4.06% ▲ 0.31 pts · high 4.06% / low 3.75%
3.25%3.91%4.56%Sep 12, 2026: 3.75% APYOct 8, 2026: 4.06% APYSep 12, 2026Oct 12, 2026
  • Oct 8, 20264.06%▲ from 3.75%
  • Sep 12, 20263.75%first recorded
Michigan One Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
Regular CDs - 48 months
$500
4.00% ▲ 1.00% above Michigan avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.00%▲ 1.00% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Huron Valley State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.74%
4 Year Certificate
$0
3.92% ▲ 0.92% above Michigan avg
View
▼
Rate3.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Michigan Average3.00%▲ 0.92% above avgNationally 2.81%
Details

Balance: $500 - $49,999.99

Rate History
No change since Sep 24, 2026 · 3.92% APY · checked 5 times
3.42%3.92%4.42%Sep 24, 2026: 3.92% APYSep 24, 2026Oct 12, 2026
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
48 Month Certificate
$500
3.92% ▲ 0.92% above Michigan avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.00%▲ 0.92% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 7 times
3.42%3.92%4.42%Sep 14, 2026: 3.92% APYSep 14, 2026Oct 12, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month IRA Certificate
$100,000
3.90% ▲ 0.90% above Michigan avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.00%▲ 0.90% above avgNationally 2.81%
Details

Rate History
1 change since Oct 2, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75%
3.25%3.83%4.40%Oct 2, 2026: 3.75% APYOct 7, 2026: 3.90% APYOct 2, 2026Oct 12, 2026
  • Oct 7, 20263.90%▲ from 3.75%
  • Oct 2, 20263.75%first recorded
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
48 Month CD
$0
3.90% ▲ 0.90% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.00%▲ 0.90% above avgNationally 2.81%
Details

Rate History
No change since Sep 19, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 19, 2026: 3.90% APYSep 19, 2026Oct 12, 2026
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
48 Month Jump Rate Certificate
$500
3.90% ▲ 0.90% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.00%▲ 0.90% above avgNationally 2.81%
Details

Rate Jump allows opting into a new rate once per term if rates increase

Rate History
No change since Sep 16, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 16, 2026: 3.90% APYSep 16, 2026Oct 12, 2026
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Jumbo Term Share Certificates - 4 Years
$0
3.90% ▲ 0.90% above Michigan avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.00%▲ 0.90% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 12, 2026
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
IRA Certificate - 48 months
$0
3.85% ▲ 0.85% above Michigan avg
View
▼
Rate3.77%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.00%▲ 0.85% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 12, 2026
Arbor Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.10%
48 Month Certificate
$0
3.80% ▲ 0.80% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.00%▲ 0.80% above avgNationally 2.81%
Details

Balance: $500 - $29,999.99

Rate History
1 change since Sep 14, 2026 · 2.25% → 3.80% ▲ 1.55 pts · high 3.80% / low 2.25%
0.70%3.03%5.35%Sep 14, 2026: 2.25% APYOct 9, 2026: 3.80% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20263.80%▲ from 2.25%
  • Sep 14, 20262.25%first recorded
Arbor Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.10%
Traditional 48 Month Certificate
$500
3.80% ▲ 0.80% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.00%▲ 0.80% above avgNationally 2.81%
Details

Balance: $500 - $29,999.99; Traditional, Roth, & IRA Rates

Rate History
1 change since Sep 18, 2026 · 2.25% → 3.80% ▲ 1.55 pts · high 3.80% / low 2.25%
0.70%3.03%5.35%Sep 18, 2026: 2.25% APYOct 9, 2026: 3.80% APYSep 18, 2026Oct 12, 2026
  • Oct 9, 20263.80%▲ from 2.25%
  • Sep 18, 20262.25%first recorded
CASE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
4 Year TDA or IRA TDA
$0
3.80% ▲ 0.80% above Michigan avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.00%▲ 0.80% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.80% ▲ 0.40 pts · high 3.80% / low 3.40%
2.90%3.60%4.30%Sep 14, 2026: 3.40% APYOct 9, 2026: 3.80% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20263.80%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
48 Month Share Certificate
$500
3.80% ▲ 0.80% above Michigan avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.00%▲ 0.80% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 12, 2026
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
4 Year Term Share Certificates
$1,000
3.80% ▲ 0.80% above Michigan avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.00%▲ 0.80% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 12, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month IRA Certificate
$1,000
3.75% ▲ 0.75% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.00%▲ 0.75% above avgNationally 2.81%
Details

Rate History
1 change since Oct 2, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Oct 2, 2026: 3.50% APYOct 7, 2026: 3.75% APYOct 2, 2026Oct 12, 2026
  • Oct 7, 20263.75%▲ from 3.50%
  • Oct 2, 20263.50%first recorded
Michigan Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
48 Month IRA Share Certificate
$2,000
3.75% ▲ 0.75% above Michigan avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.00%▲ 0.75% above avgNationally 2.81%
Details

IRA Share Certificate dividends are compounded quarterly. A penalty will be imposed for early withdrawal. 3 months and 6 months Share Certificate - all dividends accrued penalty. 1 to 2.5 years Share Certificate - 6 months of dividends accrued penalty. 3-5 years Share Certificate - 9 months of dividends accrued penalty. The APY assumes dividends remain on deposit until maturity. A withdrawal will reduce your earnings.

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40%
2.90%3.58%4.25%Sep 14, 2026: 3.40% APYOct 9, 2026: 3.75% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20263.75%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Michigan Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
48 Month Share Certificate
$0
3.75% ▲ 0.75% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.00%▲ 0.75% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40%
2.90%3.58%4.25%Sep 21, 2026: 3.40% APYSep 29, 2026: 3.75% APYSep 21, 2026Oct 12, 2026
  • Sep 29, 20263.75%▲ from 3.40%
  • Sep 21, 20263.40%first recorded
Isabella Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
48 Month Certificates of Deposit & IRA Certificates
$10,000
3.75% ▲ 0.75% above Michigan avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.00%▲ 0.75% above avgNationally 2.81%
Details

APY** $10,000 Minimum

Rate History
1 change since Sep 18, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
3.10%3.68%4.25%Sep 18, 2026: 3.60% APYOct 9, 2026: 3.75% APYSep 18, 2026Oct 12, 2026
  • Oct 9, 20263.75%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
48 Month Certificate of Deposit
$1,000
3.75% ▲ 0.75% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.00%▲ 0.75% above avgNationally 2.81%
Details

APY: Annual Percentage Yield

Rate History
No change since Sep 22, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 22, 2026: 3.75% APYSep 22, 2026Oct 12, 2026
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
48 Month Certificates of Deposit and IRA Certificates of Deposit
$500
3.75% ▲ 0.75% above Michigan avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.00%▲ 0.75% above avgNationally 2.81%
Details

0.10% APY bonus earned if you also have a M1 Premier Checking Account.

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
3.05%3.65%4.25%Sep 14, 2026: 3.55% APYOct 9, 2026: 3.75% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20263.75%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
48 Month - Traditional or Roth IRA Certificate
$1,000
3.75% ▲ 0.75% above Michigan avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.00%▲ 0.75% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 12, 2026
Tri County Credit Union Marinette, WI
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
48 Months IRA Share Certificate
$500
3.75% ▲ 0.75% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.00%▲ 0.75% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 270 days

Rate History
No change since Oct 9, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 9, 2026: 3.75% APYOct 9, 2026Oct 12, 2026
Tri County Credit Union Marinette, WI
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
48 Months Share Certificate
$500
3.75% ▲ 0.75% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.00%▲ 0.75% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 270 days

Rate History
No change since Oct 9, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 9, 2026: 3.75% APYOct 9, 2026Oct 12, 2026
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
48 Month Certificate
$0
3.75% ▲ 0.75% above Michigan avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.00%▲ 0.75% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 12, 2026
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
CD: Tier V - 48 months
$0
3.70% ▲ 0.70% above Michigan avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.00%▲ 0.70% above avgNationally 2.81%
Details

minimum $250,000; Dividends Paid: annually

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 12, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month Certificate of Deposit
$100,000
3.65% ▲ 0.65% above Michigan avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.00%▲ 0.65% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 12, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month IRA Certificate
$100,000
3.65% ▲ 0.65% above Michigan avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.00%▲ 0.65% above avgNationally 2.81%
Details

Rate History
1 change since Oct 2, 2026 · 3.75% → 3.65% ▼ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Oct 2, 2026: 3.75% APYOct 7, 2026: 3.65% APYOct 2, 2026Oct 12, 2026
  • Oct 7, 20263.65%▼ from 3.75%
  • Oct 2, 20263.75%first recorded
Northpointe Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
48 Month Certificate of Deposit
$1,000
3.65% ▲ 0.65% above Michigan avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.00%▲ 0.65% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 12, 2026
Range Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
48 Months CD
$1,000
3.65% ▲ 0.65% above Michigan avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.00%▲ 0.65% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 8, 2026: 3.65% APYOct 8, 2026Oct 12, 2026

East Grand Rapids 60 Month CD Rates

Michigan 60 Month CD Average3.06% APYNational 2.90%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Michigan One Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
Minor CD Special - 60 months
$100
5.12% ▲ 2.06% above Michigan avg
View
▼
Rate5.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.06%▲ 2.06% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 5.12% APY · checked 4 times
4.62%5.12%5.62%Sep 14, 2026: 5.12% APYSep 14, 2026Oct 12, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 60 Month
$0
4.75% ▲ 1.69% above Michigan avg
View
▼
Rate4.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.06%▲ 1.69% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
3.85%4.55%5.25%Sep 14, 2026: 4.35% APYSep 24, 2026: 4.75% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.75%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
60 Month Certificate of Deposit
$0
4.50% ▲ 1.44% above Michigan avg
View
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.06%▲ 1.44% above avgNationally 2.90%
Details

Rate History
2 changes since Sep 18, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
3.70%4.35%5.00%Sep 18, 2026: 4.20% APYSep 24, 2026: 4.30% APYOct 2, 2026: 4.50% APYSep 18, 2026Oct 12, 2026
  • Oct 2, 20264.50%▲ from 4.30%
  • Sep 24, 20264.30%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Time Certificate of Deposit - 60 Month
$0
4.50% ▲ 1.44% above Michigan avg
View
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.06%▲ 1.44% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 7, 2026: 4.50% APYOct 7, 2026Oct 12, 2026
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
60 Month Share Certificate
$1,000
4.50% ▲ 1.44% above Michigan avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Michigan Average3.06%▲ 1.44% above avgNationally 2.90%
Details

Rate History
No change since Sep 25, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Sep 25, 2026: 4.50% APYSep 25, 2026Oct 12, 2026
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
3 - 60 Month Simple CDs
$500
4.50% ▲ 1.44% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.06%▲ 1.44% above avgNationally 2.90%
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.

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 14, 2026: 4.00% APYSep 27, 2026: 4.50% APYSep 14, 2026Oct 12, 2026
  • Sep 27, 20264.50%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
60 Month CD
$0
4.47% ▲ 1.41% above Michigan avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.06%▲ 1.41% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.11% → 4.47% ▲ 0.36 pts · high 4.47% / low 4.11%
3.61%4.29%4.97%Sep 14, 2026: 4.11% APYOct 9, 2026: 4.47% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.47%▲ from 4.11%
  • Sep 14, 20264.11%first recorded
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
Jumbo Share Certificates - 60 month
$0
4.42% ▲ 1.36% above Michigan avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Michigan Average3.06%▲ 1.36% above avgNationally 2.90%
Details

Rate History
1 change since Sep 12, 2026 · 4.11% → 4.42% ▲ 0.31 pts · high 4.42% / low 4.11%
3.61%4.27%4.92%Sep 12, 2026: 4.11% APYOct 4, 2026: 4.42% APYSep 12, 2026Oct 12, 2026
  • Oct 4, 20264.42%▲ from 4.11%
  • Sep 12, 20264.11%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
5-Year Certificate or IRA-HSA Jumbo
$100,000
4.40% ▲ 1.34% above Michigan avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.06%▲ 1.34% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.40% ▲ 0.35 pts · high 4.40% / low 4.05%
3.55%4.23%4.90%Sep 14, 2026: 4.05% APYSep 25, 2026: 4.40% APYSep 14, 2026Oct 12, 2026
  • Sep 25, 20264.40%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Simple CDs - 60 Months
$0
4.40% ▲ 1.34% above Michigan avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.06%▲ 1.34% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.40% ▲ 0.50 pts · high 4.40% / low 3.90%
3.40%4.15%4.90%Sep 14, 2026: 3.90% APYOct 6, 2026: 4.40% APYSep 14, 2026Oct 12, 2026
  • Oct 6, 20264.40%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
60 month CD
$500
4.35% ▲ 1.29% above Michigan avg
View
▼
Rate4.28%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.06%▲ 1.29% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.40% → 4.35% ▲ 0.95 pts · high 4.35% / low 3.40%
2.45%3.87%5.30%Sep 14, 2026: 3.40% APYOct 9, 2026: 4.35% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.35%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
60-Month CD
$500
4.35% ▲ 1.29% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.06%▲ 1.29% above avgNationally 2.90%
Details

Early withdrawal penalty on 12-month term or longer is 180-days loss of interest.

Rate History
1 change since Sep 14, 2026 · 3.40% → 4.35% ▲ 0.95 pts · high 4.35% / low 3.40%
2.45%3.87%5.30%Sep 14, 2026: 3.40% APYOct 9, 2026: 4.35% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.35%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
60 Month Certificate
$0
4.33% ▲ 1.27% above Michigan avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.06%▲ 1.27% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.92% → 4.33% ▲ 0.41 pts · high 4.33% / low 3.92%
3.42%4.13%4.83%Sep 18, 2026: 3.92% APYOct 9, 2026: 4.33% APYSep 18, 2026Oct 12, 2026
  • Oct 9, 20264.33%▲ from 3.92%
  • Sep 18, 20263.92%first recorded
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
60 Month Certificate
$0
4.32% ▲ 1.26% above Michigan avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.06%▲ 1.26% above avgNationally 2.90%
Details

Rate History
2 changes since Sep 18, 2026 · 4.11% → 4.32% ▲ 0.21 pts · high 4.47% / low 4.11%
3.61%4.29%4.97%Sep 18, 2026: 4.11% APYSep 29, 2026: 4.47% APYOct 9, 2026: 4.32% APYSep 18, 2026Oct 12, 2026
  • Oct 9, 20264.32%▼ from 4.47%
  • Sep 29, 20264.47%▲ from 4.11%
  • Sep 18, 20264.11%first recorded
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
60 Month IRA
$0
4.32% ▲ 1.26% above Michigan avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.06%▲ 1.26% above avgNationally 2.90%
Details

Rate History
No change since Oct 9, 2026 · 4.32% APY · checked 3 times
3.82%4.32%4.82%Oct 9, 2026: 4.32% APYOct 9, 2026Oct 12, 2026
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
60 MONTH CD
$50,000
4.30% ▲ 1.24% above Michigan avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.06%▲ 1.24% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95%
3.45%4.13%4.80%Sep 14, 2026: 3.95% APYOct 9, 2026: 4.30% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.30%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
CD - 60 Month
$0
4.25% ▲ 1.19% above Michigan avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.06%▲ 1.19% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 14, 2026: 3.85% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.25%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
5-Year Certificate or IRA-HSA
$500
4.25% ▲ 1.19% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.06%▲ 1.19% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 14, 2026: 3.90% APYSep 25, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Sep 25, 20264.25%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
60 MONTH CD
$500
4.20% ▲ 1.14% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.06%▲ 1.14% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 14, 2026: 3.85% APYOct 9, 2026: 4.20% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.20%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Certificate of Deposit
$100,000
4.15% ▲ 1.09% above Michigan avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.06%▲ 1.09% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 12, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month IRA Certificate
$100,000
4.15% ▲ 1.09% above Michigan avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.06%▲ 1.09% above avgNationally 2.90%
Details

Rate History
1 change since Oct 2, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Oct 2, 2026: 4.00% APYOct 7, 2026: 4.15% APYOct 2, 2026Oct 12, 2026
  • Oct 7, 20264.15%▲ from 4.00%
  • Oct 2, 20264.00%first recorded
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
60 Month Certificate
$500
4.15% ▲ 1.09% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.06%▲ 1.09% above avgNationally 2.90%
Details

Rate History
No change since Sep 16, 2026 · 4.15% APY · checked 5 times
3.65%4.15%4.65%Sep 16, 2026: 4.15% APYSep 16, 2026Oct 12, 2026
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
60 Month IRA Certificate
$0
4.15% ▲ 1.09% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.06%▲ 1.09% above avgNationally 2.90%
Details

Individual accounts only

Rate History
No change since Sep 16, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 16, 2026: 4.15% APYSep 16, 2026Oct 12, 2026
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
60 Month Share Certificate
$0
4.11% ▲ 1.05% above Michigan avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Michigan Average3.06%▲ 1.05% above avgNationally 2.90%
Details

Rate History
1 change since Sep 12, 2026 · 3.80% → 4.11% ▲ 0.31 pts · high 4.11% / low 3.80%
3.30%3.96%4.61%Sep 12, 2026: 3.80% APYOct 8, 2026: 4.11% APYSep 12, 2026Oct 12, 2026
  • Oct 8, 20264.11%▲ from 3.80%
  • Sep 12, 20263.80%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
5 Year Jumbo and Jumbo IRA Certificate
$100,000
4.09% ▲ 1.03% above Michigan avg
View
▼
Rate4.03%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.06%▲ 1.03% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.08% → 4.09% ▲ 0.01 pts · high 4.09% / low 4.08%
3.58%4.09%4.59%Sep 14, 2026: 4.08% APYOct 10, 2026: 4.09% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.09%▲ from 4.08%
  • Sep 14, 20264.08%first recorded
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
60 Month Jumbo Business Certificates
$0
4.07% ▲ 1.01% above Michigan avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.06%▲ 1.01% above avgNationally 2.90%
Details

Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice.

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 7 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 12, 2026
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
60 Month Jumbo Certificates
$0
4.07% ▲ 1.01% above Michigan avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.06%▲ 1.01% above avgNationally 2.90%
Details

APY = Annual Percentage Yield. Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice.

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 7 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 12, 2026
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
60 Month Jumbo HSA Certificate
$0
4.07% ▲ 1.01% above Michigan avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.06%▲ 1.01% above avgNationally 2.90%
Details

APY = Annual Percentage Yield. Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice.

Rate History
No change since Oct 9, 2026 · 4.07% APY · checked 3 times
3.57%4.07%4.57%Oct 9, 2026: 4.07% APYOct 9, 2026Oct 12, 2026
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
60 Month Jumbo IRA Certificate
$0
4.07% ▲ 1.01% above Michigan avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.06%▲ 1.01% above avgNationally 2.90%
Details

APY = Annual Percentage Yield.; Dividends are compounded & credited monthly.; There is a penalty for early withdrawal.; Rates are subject to change without notice.

Rate History
No change since Oct 9, 2026 · 4.07% APY · checked 3 times
3.57%4.07%4.57%Oct 9, 2026: 4.07% APYOct 9, 2026Oct 12, 2026
Extra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
60 Month Certificate
$0
4.06% ▲ 1.00% above Michigan avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.06%▲ 1.00% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 4 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Oct 12, 2026
Arbor Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.10%
60 Month Certificate
$0
4.05% ▲ 0.99% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.06%▲ 0.99% above avgNationally 2.90%
Details

Balance: $500 - $29,999.99

Rate History
1 change since Sep 14, 2026 · 2.50% → 4.05% ▲ 1.55 pts · high 4.05% / low 2.50%
0.95%3.28%5.60%Sep 14, 2026: 2.50% APYOct 9, 2026: 4.05% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.05%▲ from 2.50%
  • Sep 14, 20262.50%first recorded
Arbor Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.10%
Traditional 60 Month Certificate
$500
4.05% ▲ 0.99% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.06%▲ 0.99% above avgNationally 2.90%
Details

Balance: $500 - $29,999.99; Traditional, Roth, & IRA Rates

Rate History
1 change since Sep 18, 2026 · 2.50% → 4.05% ▲ 1.55 pts · high 4.05% / low 2.50%
0.95%3.28%5.60%Sep 18, 2026: 2.50% APYOct 9, 2026: 4.05% APYSep 18, 2026Oct 12, 2026
  • Oct 9, 20264.05%▲ from 2.50%
  • Sep 18, 20262.50%first recorded
Michigan One Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
Regular CDs - 60 months
$500
4.05% ▲ 0.99% above Michigan avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.06%▲ 0.99% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85%
3.35%3.95%4.55%Sep 14, 2026: 3.85% APYOct 9, 2026: 4.05% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.05%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Tri County Credit Union Marinette, WI
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
60 Months IRA Share Certificate
$500
4.05% ▲ 0.99% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.06%▲ 0.99% above avgNationally 2.90%
Details

Early Withdrawal Penalty: 270 days

Rate History
No change since Oct 9, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 9, 2026: 4.05% APYOct 9, 2026Oct 12, 2026
Tri County Credit Union Marinette, WI
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
60 Months Share Certificate
$500
4.05% ▲ 0.99% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.06%▲ 0.99% above avgNationally 2.90%
Details

Early Withdrawal Penalty: 270 days

Rate History
No change since Oct 9, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 9, 2026: 4.05% APYOct 9, 2026Oct 12, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
5 Year IRA Certificate
$500
4.04% ▲ 0.98% above Michigan avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.06%▲ 0.98% above avgNationally 2.90%
Details

Penalty for early withdrawal.

Rate History
1 change since Sep 18, 2026 · 4.03% → 4.04% ▲ 0.01 pts · high 4.04% / low 4.03%
3.53%4.04%4.54%Sep 18, 2026: 4.03% APYOct 10, 2026: 4.04% APYSep 18, 2026Oct 12, 2026
  • Oct 10, 20264.04%▲ from 4.03%
  • Sep 18, 20264.03%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
5 Year Term Certificate
$500
4.04% ▲ 0.98% above Michigan avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.06%▲ 0.98% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.03% → 4.04% ▲ 0.01 pts · high 4.04% / low 4.03%
3.53%4.04%4.54%Sep 14, 2026: 4.03% APYOct 10, 2026: 4.04% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.04%▲ from 4.03%
  • Sep 14, 20264.03%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Certificate of Deposit
$1,000
4.00% ▲ 0.94% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.06%▲ 0.94% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 12, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month IRA Certificate
$1,000
4.00% ▲ 0.94% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.06%▲ 0.94% above avgNationally 2.90%
Details

Rate History
1 change since Oct 2, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Oct 2, 2026: 3.75% APYOct 7, 2026: 4.00% APYOct 2, 2026Oct 12, 2026
  • Oct 7, 20264.00%▲ from 3.75%
  • Oct 2, 20263.75%first recorded
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Jumbo Term Share Certificates - 5 Years
$0
4.00% ▲ 0.94% above Michigan avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.06%▲ 0.94% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
60 Month Certificate
$500
3.97% ▲ 0.91% above Michigan avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.06%▲ 0.91% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.97% APY · checked 7 times
3.47%3.97%4.47%Sep 14, 2026: 3.97% APYSep 14, 2026Oct 12, 2026
Huron Valley State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.74%
5 Year Certificate
$0
3.96% ▲ 0.90% above Michigan avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Michigan Average3.06%▲ 0.90% above avgNationally 2.90%
Details

Balance: $500 - $49,999.99

Rate History
No change since Sep 24, 2026 · 3.96% APY · checked 5 times
3.46%3.96%4.46%Sep 24, 2026: 3.96% APYSep 24, 2026Oct 12, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Certificate of Deposit
$100,000
3.90% ▲ 0.84% above Michigan avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.06%▲ 0.84% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 7, 2026: 3.90% APYOct 7, 2026Oct 12, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month IRA Certificate
$100,000
3.90% ▲ 0.84% above Michigan avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.06%▲ 0.84% above avgNationally 2.90%
Details

Rate History
1 change since Oct 2, 2026 · 4.00% → 3.90% ▼ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Oct 2, 2026: 4.00% APYOct 7, 2026: 3.90% APYOct 2, 2026Oct 12, 2026
  • Oct 7, 20263.90%▼ from 4.00%
  • Oct 2, 20264.00%first recorded
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
60 Month CD
$0
3.90% ▲ 0.84% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Michigan Average3.06%▲ 0.84% above avgNationally 2.90%
Details

Rate History
No change since Sep 19, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 19, 2026: 3.90% APYSep 19, 2026Oct 12, 2026
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
60 Month Jump Rate Certificate
$500
3.90% ▲ 0.84% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Michigan Average3.06%▲ 0.84% above avgNationally 2.90%
Details

Rate Jump allows opting into a new rate once per term if rates increase

Rate History
No change since Sep 16, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 16, 2026: 3.90% APYSep 16, 2026Oct 12, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
60 Mo. IRA CD VIP
$0
3.90% ▲ 0.84% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.06%▲ 0.84% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 12, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
60 Month IRA/HSA CD
$0
3.90% ▲ 0.84% above Michigan avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Michigan Average3.06%▲ 0.84% above avgNationally 2.90%
Details

VIP Bonus Rate: 4.07%, VIP Bonus APY: 4.15%

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 12, 2026
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
IRA Certificate - 60 months
$0
3.90% ▲ 0.84% above Michigan avg
View
▼
Rate3.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.06%▲ 0.84% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 12, 2026
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
5 Year Term Share Certificates
$1,000
3.90% ▲ 0.84% above Michigan avg
View
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Michigan Average3.06%▲ 0.84% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 12, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from East Grand Rapids, Michigan Institutions

Highest verified APYs available today, updated October 12, 2026

B Top 5 Bank Rates
First National Bank of Michigan
3-Year Rising Rate Certificate of Deposit - Year 3 term
A 5.0 ★ TX: 7.32%
Min: $0
5.00%
Nicolet Bank
Relationship CD - 60 Month
A+ 5.0 ★ TX: 2.28%
Min: $0
4.75%
First National Bank of America (FNBA)
60 Month Certificate of Deposit
B- 4.3 ★ TX: 23.12%
Min: $0
4.50%
CIBC
12-month CD
A+ 5.0 ★ TX: 5.05%
Min: $1,000
4.35%
Flagstar Bank, National Association
12-MONTH CD
D 3.3 ★ TX: 35.11%
Min: $500
4.30%
CU Top 5 Credit Union Rates
FreeStar Financial Credit Union
18-Month Special - Military
A 5.0 ★ TX: 7.11%
Min: $500
5.25%
Diversified Members Credit Union
12 Month Certificate
A+ 5.0 ★ TX: 5.06%
Min: $0
5.15%
Michigan One Community Credit Union
Minor CD Special - 60 months
A+ 5.0 ★ TX: 4.80%
Min: $100
5.12%
United Financial Credit Union
6 month - 4H or FFA CD
A+ 5.0 ★ TX: 5.54%
Min: $0
5.05%
OMNI Community Credit Union
12 Month Youth Special
A+ 5.0 ★ TX: 2.36%
Min: $0
5.00%
Rates verified October 12, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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East Grand Rapids, MI CD Rate Trends

Compare local East Grand Rapids, MI CD rate quotes against the statewide average

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

View Full Michigan CD Trends
12-Month CD MI Avg
3.122%
▲ 0.024 vs 7 days ago

Michigan 12-month CD rates rose 0.024 points over the past 7 days to 3.122% APY.

6-Month CD MI Avg
2.877%
▲ 0.022 vs 7 days ago

Michigan 6-month CD rates rose 0.022 points over the past 7 days to 2.877% APY.

As of Oct 12, 2026 • Rate data sourced from 8,500+ monitored institutions

MI CD Rate Forecast, Next 12 Months

Where are Michigan CD rates headed through October 2027?

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

MI 12-Month Avg APY
3.122%
6-Month Forecast
3.122%
Range: 2.92%, 3.27%
12-Month Forecast
3.372%
Range: 3.17%, 3.52%

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

Spread model: The Michigan 12-month CD average currently trades 1.25% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

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

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

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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 2.124% $106.20 $212.40 $531.00 $1,062.00
6-Month CD 2.877% $143.87 $287.74 $719.35 $1,438.70
12-Month CD 3.122% $156.11 $312.22 $780.55 $1,561.10
18-Month CD 3.081% $154.06 $308.11 $770.28 $1,540.55
24-Month CD 2.965% $148.25 $296.50 $741.25 $1,482.50
36-Month CD 2.935% $146.74 $293.48 $733.70 $1,467.40
48-Month CD 3.002% $150.11 $300.21 $750.53 $1,501.05
60-Month CD 3.059% $152.93 $305.86 $764.65 $1,529.30
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 12, 2026.
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Sample CD Ladder for East Grand Rapids, Michigan Savers

$25,000 split equally across 5 terms using today’s Michigan average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit MI Avg APY Annual Earnings
1 3-Month CD $5,000 2.124% $106.20
2 6-Month CD $5,000 2.877% $143.87
3 12-Month CD $5,000 3.122% $156.11
4 24-Month CD $5,000 2.965% $148.25
5 36-Month CD $5,000 2.935% $146.74
Total ($25,000 invested) $25,000 2.805% blended $701.17/yr

Ladder example uses equal $5,000 rungs and Michigan average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

Powered byMonitorBankRates
1,839
CD Rates
Tracked in East Grand Rapids, Michigan
22 Banks 105 Credit Unions

About Our East Grand Rapids, Michigan CD Rate Database

MonitorBankRates tracks 1,839 CD rates from 22 banks and 105 credit unions with locations in East Grand Rapids, Michigan, plus national online institutions available to Michigan residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

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

Current top rate: FreeStar Financial Credit Union offers a CD at 5.25% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in East Grand Rapids, Michigan.

How to Find the Best CD Rates in East Grand Rapids, Michigan

What to compare when shopping for a CD in East Grand Rapids, Michigan

To find the best APYs in East Grand Rapids, Michigan, start with credit unions and online-only banks: East Grand Rapids, Michigan has 105 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 East Grand Rapids, 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 East Grand Rapids, Michigan: 127 institutions here report CD rates

Consider an Alternative If…

East Grand Rapids, Michigan Financial Snapshot

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

Population 65+
11.3%
National avg: 17.3%
Median Individual Earnings
$80,095
National avg: $47,340
Poverty Rate
3.6%
National avg: 11.1%
Unemployment Rate
3.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$250/yr
At MI 12-mo avg 3.122% APY

11.3% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 3.2% reflects a strong local economy. At today’s MI 12-month CD average of 3.122%, saving 10% of the local median salary ($8,009/year) and putting it in a CD would earn an additional $250 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 East Grand Rapids, Michigan

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

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

How Certificates of Deposit Work in East Grand Rapids, 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 East Grand Rapids, 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 East Grand Rapids, Michigan as everywhere in the U.S.

Choosing a CD Term in East Grand Rapids, 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 East Grand Rapids, 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, Michigan One Community Credit Union is offering its Minor CD Special - 60 months at 5.12% 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 East Grand Rapids, 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 East Grand Rapids, 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 East Grand Rapids, 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 East Grand Rapids, 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 East Grand Rapids, Michigan

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

Are CD rates in East Grand Rapids, Michigan FDIC insured?

Yes, most established banks in East Grand Rapids, 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 East Grand Rapids, 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 East Grand Rapids, 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 East Grand Rapids, 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 East Grand Rapids, Michigan?

Here are recent top rates found for this area:
  • FreeStar Financial Credit Union: 5.25% APY (18-Month Special - Military)
  • 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)
  • First National Bank of Michigan: 5.00% APY (3-Year Rising Rate Certificate of Deposit - Year 3 term)
  • OMNI Community Credit Union: 5.00% APY (12 Month Youth Special)
  • Best Financial Credit Union: 5.00% APY (12 Month Super Kids)
  • Nicolet Bank: 4.75% APY (Relationship CD - 60 Month)
  • Service 1 Federal Credit Union: 4.75% APY (6 Month Youth Certificates)
  • First National Bank of America (FNBA): 4.50% APY (60 Month Certificate of Deposit)
Rates reflect recent verified offers available in East Grand Rapids, Michigan. Last Updated: October 12, 2026

East Grand Rapids, 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 East Grand Rapids, Michigan rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
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Ending Balance
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Matures

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

Top East Grand Rapids, Michigan CD Rates by Term

Verified October 12, 2026 · click a rate to use its term and APY
Highest verified APY per term available in East Grand Rapids, Michigan. Averages shown use the Michigan state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for East Grand Rapids, Michigan

East Grand Rapids, Michigan CD Calculator

At today’s MI top rate of 5.25% APY, a $10,000 deposit earns $525 in the first year. Enter your amount to see your exact return.

East Grand Rapids, Michigan CD Ladder

MI CD rates currently range from 2.124% (3-month) to 2.935% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a East Grand Rapids, Michigan CD at 5.25% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Michigan’s average 12-month CD is 3.122% 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 East Grand Rapids, 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 East Grand Rapids, 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 East Grand Rapids, Michigan. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in MI.

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

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 12, 2026

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