East Lansing, Michigan CD Rates Today - Compare Best APYs for June 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current East Lansing, Michigan CD rates include First National Bank of America (FNBA)First National Bank of America (FNBA)241 E Saginaw St, East Lansing, MI 48823A5.0 ★Texas Ratio: 13.60%Real return: +1.20%APY minus CPI (February 2026) offering 60 Month at 4.00% APY, Michigan State University Federal Credit UnionMichigan State University Federal Credit Union3777 West Rd, East Lansing, MI 48823 8029A5.0 ★Texas Ratio: 8.72%Real return: +1.10%APY minus CPI (February 2026) offering 5-Year Certificate or IRA-HSA Jumbo at 3.90% APY, Mercantile BankMercantile Bank3737 Coolidge Rd, East Lansing, MI 48823A+5.0 ★Texas Ratio: 1.01%Real return: +0.90%APY minus CPI (February 2026) offering 6 Month at 3.70% APY, CASE Credit UnionCASE Credit Union2400 West Rd, East Lansing, MI 48823 7347A5.0 ★Texas Ratio: 6.75%Real return: +0.60%APY minus CPI (February 2026) offering 5 Year TDA or IRA TDA at 3.40% APY, and Eaton Community BankEaton Community Bank1390 W Lake Lansing Rd, East Lansing, MI 48823A+5.0 ★Texas Ratio: 0.81%Real return: +0.40%APY minus CPI (February 2026) offering 1 Year at 3.20% APY. CD rates as of June 16, 2026 according to verified data from MonitorBankRates.
East Lansing has 46 local institutions in our database, with CD rates as high as 4.00% APY from First National Bank of America (FNBA) at 241 E Saginaw St, East Lansing, MI 48823. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Michigan area. Rates are continually updated — 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: June 16, 2026
Compare Best CD Rates in East Lansing, Michigan & the Surrounding Area
East Lansing 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
241 E Saginaw St, East Lansing, MI 48823
3 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
3-Month Certificate or IRA-HSA Jumbo
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
3-Month Certificate or IRA-HSA
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
3737 Coolidge Rd, East Lansing, MI 48823
3 Month
$0
2.01%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
Business Share Certificates 3 month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
Share Certificates 3 month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
3 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
3-Month Share Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Highpoint Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
90 Day (3 Month)
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
90 Day
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
90 Day Youth
$100
3.29%
▼
Rate3.25%
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
90 Day
$0
2.63%
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
The Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
Term Share Certificates 3 Month
$500
2.50%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
90 Day
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate2.25%
Min Deposit$5,000
Min Balance—
UpdatedJun 16, 2026
Details
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
90 Day
$0
2.22%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
90 Day Certificate of Deposit
$0
2.17%
▼
Rate2.15%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
3 MONTH CERTIFICATE
$0
2.02%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
90 Day
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
90 Day Certificate of Deposit
$0
1.97%
▼
Rate1.95%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
90 Day Certificate of Deposit
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
3 Month Tier 3
$0
1.60%
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
3 Month Tier 2
$0
1.55%
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
CD Gold 3 Month
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
IRA 3 Month
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
IRA CD Gold 3 Month
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
3 Month Tier 1
$0
1.50%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate1.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Northern Interstate Bank, N. A.
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3 Month CD
$1,000
1.10%
▼
Rate1.10%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Rate1.10%
Min Deposit$50
Min Balance—
UpdatedJun 16, 2026
Details
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Interest Paid: Maturity
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit - 3 Months
$0
1.00%
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
3 Month CD
$500
0.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
G. W. Jones Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
31 - 90 Days
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
East Lansing 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
241 E Saginaw St, East Lansing, MI 48823
6 Month
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
3737 Coolidge Rd, East Lansing, MI 48823
6 Month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
6-Month Certificate or IRA-HSA Jumbo
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
6-Month Certificate or IRA-HSA
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
CASE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
2400 West Rd, East Lansing, MI 48823 7347
6 Month TDA
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Eaton Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
1390 W Lake Lansing Rd, East Lansing, MI 48823
6 Months
$0
2.50%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
1
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
6 Month Certificate
$0
6.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
6 month - 4H or FFA CD
$0
5.05%
▼
Rate4.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Max $5,000
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
IRA Certificate of Deposit - 6 Months
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Share Certificate SPECIAL!
$2,500
4.06%
▼
Rate4.00%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
NEW MONEY ONLY!!! *APY - Annual Percentage Yield. Rates are accurate as of 01/01/2026 and are subject to change without notice
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
6 Month IRA Certificate of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
Share Certificates 6 month
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
Business Share Certificates 6 month
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
6 Month Certificate of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Youth Certificates 6 months
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
FEATURED RATE
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 month Share Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Rising Rate Certificate of Deposit - Third 6-month Term
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Safe Harbor Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
6 Month High Yield
$1,000
3.90%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
180 Day
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
180 Day Youth
$100
3.80%
▼
Rate3.75%
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
6 Month
$0
3.79%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.84%
6 MONTH YOUTH CD
$100
3.79%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Youth Certificates ($200 min. $1000 max). Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
6 Month CD Special
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Limited time offer. Rates subject to change. A penalty may be imposed for early withdrawal. $5.00 Savings Account required. Offer available for a limited time. Fees could reduce earnings. Jumbo CD ($100,000 plus) rate bumps available, though not on CD Specials. Corresponding 3.69% APR.
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
Business Share Certificates 6 month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
Share Certificates 6 month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Community Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
6 Month Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 11, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Rising Rate Certificate of Deposit - Second 6-month Term
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
Youth Certificate 6 Month
$50
3.66%
▼
Rate3.60%
Min Deposit$50
Min Balance—
UpdatedJun 16, 2026
Details
APY will vary depending on the initial certificate deposit amount. There is a penalty for early withdrawal.
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
IRA Certificate 6 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Regular Certificate 6 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
6 MONTH CERTIFICATE
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Diversified Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
Certificates of Deposit-Regular & IRA 6 Month
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Diversified Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
6 Month
$0
3.60%
▼
Rate3.57%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Jumbo Certificates ($25,000 min.). Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
4Front Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.23%
Regular, Traditional & Roth IRA 6 Mo.
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
6 Months Certificate
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Certificate rates remain fixed for the term of the certificate.
Highpoint Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
182 Day (6 Month)
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Auto Owners Associates Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
6 MONTH TERM SHARE
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit - 6 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
East Lansing 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
241 E Saginaw St, East Lansing, MI 48823
12 Month
$0
3.95%
▼
Rate3.89%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
3737 Coolidge Rd, East Lansing, MI 48823
12 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
1-Year Add-On Certificate or IRA-HSA Jumbo
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
1-Year Add-On Certificate or IRA-HSA
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
CASE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
2400 West Rd, East Lansing, MI 48823 7347
1 Year TDA or IRA TDA
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
CASE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
2400 West Rd, East Lansing, MI 48823 7347
Save to Win (1 Year TDA)
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Eaton Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
1390 W Lake Lansing Rd, East Lansing, MI 48823
1 Year
$0
3.20%
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
1
CASE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
2400 West Rd, East Lansing, MI 48823 7347
12 Month Add-On TDA
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
12 Month Youth Special
$0
5.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Youth Special
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
12 Month Super Kids
$100
5.00%
▼
Rate4.91%
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 90 days interest
People Driven Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
1 Year Youth
$0
4.50%
▼
Rate4.43%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.84%
1 YEAR YOUTH CD
$100
4.34%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.84%
1 YEAR CERTIFICATE
$500
4.08%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
12 Month
$500
4.06%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
12 Month Youth
$100
4.06%
▼
Rate4.00%
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
12 Month YOUTH Certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Certificate rates remain fixed for the term of the certificate.
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
12 month
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
12 Month Youth CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Youth CDs are available for members 18 years and under. Certificate must be opened under youth's name and SSN. The CD must have the same joint member as the savings account it is tied to.
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Youth Certificates ($200 min. $1000 max). Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
12 Month Certificate of Deposit
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
12 Month IRA Certificate of Deposit
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
IRA Certificate of Deposit - 12 Months
$0
3.90%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
University of Michigan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.61%
12 Month Certificate
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Jumbo Certificates ($25,000 min.). Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
12 Months Certificate
$0
3.77%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Certificate rates remain fixed for the term of the certificate.
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.08%
1 Year
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
APY as high as 3.950%. Rates may increase .2% when a member qualifies for our loyalty benefits. Ask us for more details.
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
Save to Win CD 12 month
$25
3.75%
▼
Rate3.70%
Min Deposit$25
Min Balance—
UpdatedJun 16, 2026
Details
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.08%
IRA 1 Year Term Adjusted Quarterly
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
APY as high as: 3.800%
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.08%
IRA 1 Year Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
APY as high as: 3.750%
Diversified Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
Cap & Gown CD 12 Months
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Youth Certificates 12 months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
12 Month CD
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
12 MO IRA Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
1 Year
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
University of Michigan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.61%
12 Month Certificate
$0
3.74%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
12 Months Regular
$2,500
3.73%
▼
Rate3.73%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
Interest paid monthly; Interest paid quarterly; APY (Interest paid & compounded quarterly): 3.78%
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
Youth Certificate 12 Month
$50
3.71%
▼
Rate3.65%
Min Deposit$50
Min Balance—
UpdatedJun 16, 2026
Details
APY will vary depending on the initial certificate deposit amount. There is a penalty for early withdrawal.
Safe Harbor Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
1 Year IRA High Yield JUMBO
$25,000
3.70%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedJun 16, 2026
Details
IRA
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
12 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
12 Month CDs
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Safe Harbor Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
1 Year IRA High Yield
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
IRA
Safe Harbor Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
1 Year Roth IRA High YLD
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Roth IRA
Safe Harbor Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
12 Month High Yield
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit - 12 Months
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
East Lansing 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
241 E Saginaw St, East Lansing, MI 48823
18 Month
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
18 Month Certificate or IRA-HSA
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
3737 Coolidge Rd, East Lansing, MI 48823
18 Month
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
CASE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
2400 West Rd, East Lansing, MI 48823 7347
18 Month TDA or IRA TDA
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Featured rate
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
18-Month Special
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
At maturity, the CD will be renewed into a 24-month CD.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
18-Month Variable
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18 Month
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18 Month Youth
$100
3.80%
▼
Rate3.75%
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
18 month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
18 Months Regular
$2,500
3.75%
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
Interest paid monthly; Interest paid quarterly; APY (Interest paid & compounded quarterly): 3.80%
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
18 Months Certificate
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Certificate rates remain fixed for the term of the certificate.
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
18 Month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dearborn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
18 MONTH VARIABLE RATE IRA
$100
3.66%
▼
Rate3.60%
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details
The interest rate and APY may change after account opening
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
18 Month Certificate of Deposit
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
18 Month IRA Certificate of Deposit
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Penalty for early withdrawal.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
IRA Certificate 18 months
$0
3.64%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Penalty for early withdrawal.
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
18 Month Heroes Cert / IRA
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividends Paid: Monthly. Penalties: 180 days*
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
18 MONTH CERTIFICATE
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18 Month CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18 MO IRA Certificate
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
Relationship CD 18-Months
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Max: $10,000
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Rates are valid as of 6/7/2026 and subject to change without notice. Fees or penalties could reduce earnings. Early withdrawal penalty on 12-month term or longer is 180-days loss of interest.
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
Business Share Certificates 18 month
$100,000
3.50%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
Share Certificates 18 month
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit - 18 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
Share Certificate 18 Months
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
18 Month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
18 Month
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Journey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
Share Certificates and IRA Certificates 18 Month
$500
3.40%
▼
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
See disclosure on specific details on individual accounts. Rates and Terms are subject to change at any time.
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
CD Tier I 18 Months
$0
3.35%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
CD: Tier V 18 months
$0
3.35%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
minimum $250,000
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
IRA Certificates 18 mos
$0
3.35%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
Business Share Certificates 18 month
$25,000
3.35%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedJun 16, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
Share Certificates 18 month
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
18 Month IRA/HSA CD
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
VIP Bonus Rate: 3.445%, VIP Bonus APY: 3.50%
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
18 Month CD
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
VIP Bonus Rate: 3.445%, VIP Bonus APY: 3.50%
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
Share Certificates 18 month
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
Business Share Certificates 18 month
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
18 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
18 Month Certificate of Deposit
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Hometown Hero 18 month
$250
3.20%
▼
Rate3.15%
Min Deposit$250
Min Balance—
UpdatedJun 16, 2026
Details
Dearborn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
18 MONTH FIXED RATE IRA
$100
3.19%
▼
Rate3.15%
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
18 Month
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
East Lansing 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
241 E Saginaw St, East Lansing, MI 48823
24 Month
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
2-Year Certificate or IRA-HSA Jumbo
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
2-Year Certificate or IRA-HSA
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
CASE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
2400 West Rd, East Lansing, MI 48823 7347
2 Year TDA or IRA TDA
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
3737 Coolidge Rd, East Lansing, MI 48823
24 Month
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Eaton Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
1390 W Lake Lansing Rd, East Lansing, MI 48823
2 Year
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
1
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
24 Month Certificate
$0
4.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
IRA & SHARE CERTIFICATES 2 YEAR
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
24 Month Youth CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Youth CDs are available for members 18 years and under. Certificate must be opened under youth's name and SSN. The CD must have the same joint member as the savings account it is tied to.
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
2 Year
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.76%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
Jumbo and Jumbo IRA Certificates 2 Years
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
$100,000 and Above; Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
Jumbo and Jumbo IRA Certificates - 2 Years
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
$100,000 and Above
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Penalty for early withdrawal.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
IRA Certificate 2 Years
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Penalty for early withdrawal.
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
Share Certificates and IRA Certificates - 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Youth Certificates 24 months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
24 Months Regular
$2,500
3.75%
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
Interest paid monthly; Interest paid quarterly; APY (Interest paid & compounded quarterly): 3.80%
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
24 Month CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
24 Month IRA CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
IRA Certificate of Deposit - 24 Months
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
2 Year
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Extra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Fixed-Rate Certificates 24 Months
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal.
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
IRA - 24 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
24 Months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
I.R.A Certificates ($250 min.). Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
24 Months Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Certificate rates remain fixed for the term of the certificate.
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
24 month
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
24 MONTH CERTIFICATE
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
24 MONTH CD
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
2 Year
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
IRA Certificate 2 Year
$50
3.51%
▼
Rate3.46%
Min Deposit$50
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
IRA Certificate 24 Month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 180 days interest
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
Share Certificate 2 Year
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Youth Certificates ($200 min. $1000 max). Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 26.46%
24 MONTH GOLDEN CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
24 Month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 180 days interest
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
24 Month IRA Certificate of Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
24 Month Certificate of Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
2 Year Certificate of Deposit
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24 Month
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
24-Month Fixed
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
24-Month Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
24 MONTH CD
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
ADD ON 24 MO CERT
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit - 24 Months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Regular Certificate 24 Month
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
East Lansing 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
241 E Saginaw St, East Lansing, MI 48823
36 Month
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
3-Year Certificate or IRA-HSA Jumbo
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
3-Year Certificate or IRA-HSA
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
CASE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
2400 West Rd, East Lansing, MI 48823 7347
3 Year TDA or IRA TDA
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
3737 Coolidge Rd, East Lansing, MI 48823
36 Month
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Eaton Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
1390 W Lake Lansing Rd, East Lansing, MI 48823
3 Year
$0
2.83%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
1
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
36 Month Youth CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Youth CDs are available for members 18 years and under. Certificate must be opened under youth's name and SSN. The CD must have the same joint member as the savings account it is tied to.
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
3-Year Rising Rate Certificate of Deposit - Year 3 term
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
Jumbo and Jumbo IRA Certificates - 3 Years
$0
3.89%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
$100,000 and Above
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
Jumbo and Jumbo IRA Certificates 3 Years
$0
3.89%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
$100,000 and Above; Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
36-Month Variable
$0
3.89%
▼
Rate3.82%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
Rate3.82%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
IRA Certificate 3 Years
$0
3.83%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Penalty for early withdrawal.
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Penalty for early withdrawal.
Extra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Fixed-Rate Certificates 36 Months
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal.
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
3-Year Certificate of Deposit
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
Share Certificates and IRA Certificates - 36 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
36 Months Regular
$2,500
3.75%
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
Interest paid monthly; Interest paid quarterly; APY (Interest paid & compounded quarterly): 3.80%
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
36 Month
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 180 days interest
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
IRA Certificate 36 Month
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 180 days interest
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
3-Year Rising Rate Certificate of Deposit - Blended APY
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
3-Year Rising Rate Certificate of Deposit - Year 2 term
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
3 Year
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
IRA - 36 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
36 Months
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
IRA & SHARE CERTIFICATES 3 YEAR
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
36 MONTH CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
36 Months Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Certificate rates remain fixed for the term of the certificate.
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
I.R.A Certificates ($250 min.). Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply
Settlers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
36 Month Share Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
CD: Tier V 36 months
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
minimum $250,000
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
36 MONTH CERTIFICATE
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
36 month
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Gogebic Range Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.26%
IRA 36 Month CD
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
36-Month Fixed
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
36-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
CD Tier I 36 Months
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
IRA Certificates 36 mos
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 26.46%
36 MO GOLDEN CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
36 MONTH CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
IRA Certificate of Deposit - 36 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
IRA Certificate 36 Month
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Regular Certificate 36 Month
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
IRA Certificate 3 Year
$50
3.45%
▼
Rate3.41%
Min Deposit$50
Min Balance—
UpdatedJun 16, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
Share Certificate 3 Year
$0
3.45%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
3 Year
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
East Lansing 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
241 E Saginaw St, East Lansing, MI 48823
48 Month
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
4-Year Certificate or IRA-HSA Jumbo
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
4-Year Certificate or IRA-HSA
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
CASE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
2400 West Rd, East Lansing, MI 48823 7347
4 Year TDA or IRA TDA
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
3737 Coolidge Rd, East Lansing, MI 48823
48 Month
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Eaton Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
1390 W Lake Lansing Rd, East Lansing, MI 48823
4 Year
$0
2.73%
▼
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
1
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
Jumbo and Jumbo IRA Certificates - 4 Years
$0
3.96%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
$100,000 and Above
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
Jumbo and Jumbo IRA Certificates 4 Years
$0
3.96%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
$100,000 and Above; Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.
Rate3.86%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Penalty for early withdrawal.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
IRA Certificate 4 Years
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Penalty for early withdrawal.
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
IRA - 48 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
Share Certificates and IRA Certificates - 48 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
CD: Tier V 48 months
$0
3.70%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
minimum $250,000
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
48 Months
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
IRA & SHARE CERTIFICATES 4 YEAR
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
CD Tier I 48 Months
$0
3.65%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
IRA Certificates 48 mos*
$0
3.65%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
48 MONTH CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
IRA Certificate 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Regular Certificate 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit - 48 Months
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
I.R.A Certificates ($250 min.). Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
48 Months Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Certificate rates remain fixed for the term of the certificate.
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 26.46%
48 MO GOLDEN CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
48 MONTH CD
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
48 MONTH CERTIFICATE
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
IRA Certificate 48 Month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 180 days interest
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
48 Month IRA/HSA CD
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
VIP Bonus Rate: 3.687%, VIP Bonus APY: 3.75%
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
IRA Certificate of Deposit - 48 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
48 Month CD
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
VIP Bonus Rate: 3.687%, VIP Bonus APY: 3.75%
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
48 Month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 180 days interest
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
48-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
48-Month Fixed
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
48 month
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
4 Year
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Journey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
Share Certificates and IRA Certificates 48 Month
$500
3.40%
▼
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
See disclosure on specific details on individual accounts. Rates and Terms are subject to change at any time.
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
IRA Certificate 4 Year
$50
3.40%
▼
Rate3.36%
Min Deposit$50
Min Balance—
UpdatedJun 16, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.42%
Share Certificate 4 Year
$0
3.40%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Harborlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
4 Year Jumbo*
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Jumbo Certificates ($25,000 min.). Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
IRA Certificate 48 Month
$0
3.27%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Auto Owners Associates Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
48 MONTH TERM SHARE
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Farm Bureau Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
48 MONTH CERTIFICATE
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Family First Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.11%
48 Months
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
East Lansing 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
241 E Saginaw St, East Lansing, MI 48823
60 Month
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
5-Year Certificate or IRA-HSA Jumbo
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
5-Year Certificate or IRA-HSA
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
CASE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
2400 West Rd, East Lansing, MI 48823 7347
5 Year TDA or IRA TDA
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
3737 Coolidge Rd, East Lansing, MI 48823
60 Month
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Eaton Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
1390 W Lake Lansing Rd, East Lansing, MI 48823
5 Year
$0
2.63%
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
1
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
Jumbo and Jumbo IRA Certificates - 5 Years
$0
4.11%
▼
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
$100,000 and Above
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
Jumbo and Jumbo IRA Certificates 5 Years
$0
4.11%
▼
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
$100,000 and Above; Annual Percentage Yield designated as APY and subject to change at any time. Penalty for early withdrawal.
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Penalty for early withdrawal.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
IRA Certificate 5 Years
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Penalty for early withdrawal.
Extra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Fixed-Rate Certificates 60 Months
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal.
Rate3.90%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
60 Month CD
$0
3.85%
▼
Rate3.79%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
IRA - 60 Month
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
Share Certificates and IRA Certificates - 60 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
CD Tier I 60 Months
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
CD: Tier V 60 months
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
minimum $250,000
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
IRA Certificates 60 mos*
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
60 Month CD
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
VIP Bonus Rate: 3.928%, VIP Bonus APY: 4.00%
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
60 Month IRA/HSA CD
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
VIP Bonus Rate: 3.928%, VIP Bonus APY: 4.00%
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
60 Months
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
IRA & SHARE CERTIFICATES 5 YEAR
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
IRA Certificate 60 Month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Regular Certificate 60 Month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
60 MONTH CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
I.R.A Certificates ($250 min.). Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
60 Months Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Certificate rates remain fixed for the term of the certificate.
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
Certificates 60 Months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice.
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
60 MONTH CERTIFICATE
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 26.46%
60 MO GOLDEN CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
60 MONTH CD
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
IRA Certificate 60 Month
$0
3.54%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
IRA Certificate of Deposit - 60 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit - 60 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
IRA Certificate 60 Month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 180 days interest
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
60 Months
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Early Withdrawal Penalty: 180 days interest
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
60 Month CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
60-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
60-Month Fixed
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
Share Certificates 60 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
60 MO IRA Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
60 month
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dearborn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
5 YEARS
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Dearborn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
5 YEAR IRA
$250
3.50%
▼
Rate3.50%
Min Deposit$250
Min Balance—
UpdatedJun 16, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
60-Month Certificate
$0
3.45%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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East Lansing, MI CD Rate Trends
Compare local East Lansing, MI CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — MI Avg
2.719%
▼ 0.251 vs 7 days ago
Michigan 12-month CD rates fell 0.251 points over the past 7 days to 2.719% APY.
6-Month CD — MI Avg
2.796%
▼ 0.064 vs 7 days ago
Michigan 6-month CD rates fell 0.064 points over the past 7 days to 2.796% APY.
As of Jun 19, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
MI CD Rate Forecast — Next 12 Months
Where are Michigan CD rates headed through June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MI 12-Month Avg APY
2.719%
6-Month Forecast
2.719%
Range: 2.52% – 2.87%
12-Month Forecast
2.469%
Range: 2.27% – 2.62%
Powered by
MonitorBankRates
What Your Savings Earn at MI CD Rates Today
Annual interest earnings at today’s Michigan average APYs. State average used where available; national average as fallback.
| CD Term | MI Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.655% | $132.76 | $265.51 | $663.78 | $1,327.55 |
| 6-Month CD | 2.796% | $139.82 | $279.64 | $699.10 | $1,398.20 |
| 12-Month CD | 2.719% | $135.94 | $271.87 | $679.68 | $1,359.35 |
| 18-Month CD | 2.883% | $144.15 | $288.30 | $720.75 | $1,441.50 |
| 24-Month CD | 2.653% | $132.65 | $265.30 | $663.25 | $1,326.50 |
| 36-Month CD | 2.669% | $133.47 | $266.94 | $667.35 | $1,334.70 |
| 48-Month CD | 2.757% | $137.83 | $275.65 | $689.13 | $1,378.25 |
| 60-Month CD | 2.846% | $142.29 | $284.58 | $711.45 | $1,422.90 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 16, 2026. | |||||
Sample CD Ladder for East Lansing, Michigan Savers
$25,000 split equally across 5 terms using today’s Michigan average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | MI Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.655% | $132.76 |
| 2 | 6-Month CD | $5,000 | 2.796% | $139.82 |
| 3 | 12-Month CD | $5,000 | 2.719% | $135.94 |
| 4 | 24-Month CD | $5,000 | 2.653% | $132.65 |
| 5 | 36-Month CD | $5,000 | 2.669% | $133.47 |
| Total ($25,000 invested) | $25,000 | 2.699% blended | $674.64/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.
963
CD Rates
Tracked in East Lansing, Michigan
Tracked in East Lansing, Michigan
21 Banks
81 Credit Unions
About Our East Lansing, Michigan CD Rate Database
MonitorBankRates tracks 963 CD rates from 21 banks and 81 credit unions with locations in East Lansing, Michigan, plus national online institutions available to Michigan residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: First National Bank of America (FNBA) offers a CD at 4.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in East Lansing, Michigan.
How to Find the Best CD Rates in East Lansing, Michigan
What to compare when shopping for a CD in East Lansing, Michigan
To find the best APYs in East Lansing, Michigan, start with credit unions and online-only banks — East Lansing, Michigan has 81 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 Lansing, 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 Lansing, Michigan — 102 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → East Lansing, Michigan savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → East Lansing, Michigan money market rates
East Lansing, Michigan Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
9.0%
National avg: 17.3%
Median Individual Earnings
$8,950
National avg: $47,340
Poverty Rate
33.0%
National avg: 11.1%
Unemployment Rate
6.6%
National avg: 4.8%
CD Earnings on 10% of Salary
$24/yr
At MI 12-mo avg 2.719% APY
9.0% of residents are 65 or older — below the national average of 17.3%; an unemployment rate of 6.6% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s MI 12-month CD average of 2.719%, saving 10% of the local median salary ($895/year) and putting it in a CD would earn an additional $24 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 Lansing, Michigan
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in East Lansing, 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 Lansing, 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 Lansing, Michigan as everywhere in the U.S.
Choosing a CD Term in East Lansing, 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 Lansing, Michigan savers easier access to their funds. For example, First National Bank of America (FNBA) is offering its 6 Month at 3.85% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, First National Bank of America (FNBA) is offering its 60 Month at 4.00% 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 Lansing, 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 Lansing, 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 Lansing, 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 Lansing, 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 Lansing, Michigan
Most CDs carry a fixed rate that is locked for the entire term, protecting a East Lansing, 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 Lansing, Michigan
Are CD rates in East Lansing, Michigan FDIC insured?
Yes, most established banks in East Lansing, 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 Lansing, 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 Lansing, 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 Lansing, 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 Lansing, Michigan?
Here are recent top rates found for this area:
- First National Bank of America (FNBA): 4.00% APY (60 Month)
- Michigan State University Federal Credit Union: 3.90% APY (5-Year Certificate or IRA-HSA Jumbo)
- Mercantile Bank: 3.70% APY (6 Month)
- CASE Credit Union: 3.40% APY (4 Year TDA or IRA TDA)
- Eaton Community Bank: 3.20% APY (1 Year)
- Southeast Michigan State Employees Federal Credit Union: 6.75% APY (6 Month Certificate)
- United Financial Credit Union: 5.05% APY (6 month - 4H or FFA CD)
- OMNI Community Credit Union: 5.00% APY (12 Month Youth Special)
- Best Financial Credit Union: 5.00% APY (12 Month Super Kids)
- People Driven Credit Union: 4.50% APY (1 Year Youth)
Rates reflect recent verified offers available in East Lansing, Michigan. Last Updated: June 16, 2026
CD Calculators for East Lansing, Michigan
East Lansing, Michigan CD Calculator
At today’s MI top rate of 4.00% APY, a $10,000 deposit earns $400 in the first year. Enter your amount to see your exact return.
East Lansing, Michigan CD LadderMI CD rates currently range from 2.655% (3-month) to 2.669% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a East Lansing, Michigan CD at 4.00% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsMichigan’s average 12-month CD is 2.719% 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 Lansing, 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 Lansing, 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 Lansing, 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: June 16, 2026
East Lansing, Michigan Rates & Resources
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