Midland, Michigan Best CD Rates October 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Midland, Michigan CD rates range from 0.01% to 5.25% APY, verified by MonitorBankRates as of October 23, 2026. Current Midland, Michigan CD rates include DOWDOW600 E Lyon Rd, Midland, MI 48640 5396A+5.0 ★Texas Ratio: 1.26%Real return: +0.80%APY minus CPIRate verified Oct 19, 2026 offering 3-60 Month Simple CDs at 4.50% APY, Wildfire Credit UnionWildfire Credit Union100 Joseph Dr, Midland, MI 48642A+5.0 ★Texas Ratio: 3.16%Real return: +0.37%APY minus CPIRate verified Oct 19, 2026 offering 60 Month Business Jumbo Certificates at 4.07% APY, Members First Credit Union Midland, MIMembers First Credit Union Midland, MI600 W Wackerly St, Midland, MI 48640 4702A+5.0 ★Texas Ratio: 4.54%Real return: +0.30%APY minus CPIRate verified Oct 19, 2026 offering 6 Month Certificates of Deposit at 4.00% APY, Mercantile BankMercantile Bank109 E Main St, Midland, MI 48640A+5.0 ★Texas Ratio: 0.63%Real return: +0.25%APY minus CPIRate verified Oct 22, 2026 offering Certificate of Deposit - 6 Month at 3.95% APY, and Frankenmuth Credit UnionFrankenmuth Credit Union401 S Saginaw Rd, Midland, MI 48640A5.0 ★Texas Ratio: 8.18%Real return: +0.00%APY minus CPIRate verified Oct 19, 2026 offering 60 Month CD-Certificate of Deposit at 3.70% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.
Midland has 170 local institutions in our database, with CD rates as high as 4.50% APY from DOW at 600 E Lyon Rd, Midland, MI 48640 5396. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Michigan area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 23, 2026
Compare Best CD Rates in Midland, Michigan & the Surrounding Area
Midland 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
600 E Lyon Rd, Midland, MI 48640 5396
Simple CD - 3 Months
$500
4.35%
▲ 2.21% above Michigan avg
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 2.21% above avgNationally 2.13%
Details
Starting minimum deposit of $500; not eligible for Member Saver Reward
Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 2 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
401 S Saginaw Rd, Midland, MI 48640
3 Month CD-Certificate of Deposit
$0
2.95%
▲ 0.81% above Michigan avg
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 0.81% above avgNationally 2.13%
Details
Balance: $250,000 and up
Rate History
No change since Sep 22, 2026 · 2.95% APY · checked 7 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
401 S Saginaw Rd, Midland, MI 48640
3 Month CD-Certificate of Deposit
$0
2.90%
▲ 0.76% above Michigan avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 0.76% above avgNationally 2.13%
Details
Balance: $150,000 - $249,000
Rate History
No change since Sep 22, 2026 · 2.90% APY · checked 7 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
401 S Saginaw Rd, Midland, MI 48640
3 Month CD-Certificate of Deposit
$0
2.85%
▲ 0.71% above Michigan avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 0.71% above avgNationally 2.13%
Details
Balance: $100,000 - $149,000
Rate History
No change since Sep 22, 2026 · 2.85% APY · checked 7 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
401 S Saginaw Rd, Midland, MI 48640
3 Month CD-Certificate of Deposit
$0
2.80%
▲ 0.66% above Michigan avg
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 0.66% above avgNationally 2.13%
Details
Balance: $500 - $99,999
Rate History
No change since Sep 22, 2026 · 2.80% APY · checked 7 times
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
109 E Main St, Midland, MI 48640
Certificate of Deposit - 3 Month
$500
2.01%
▼ 0.13% below Michigan avg
▼
Rate1.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.14%▼ 0.13% below avgNationally 2.13%
Details
Rates as of September 28, 2026; Automatic renewal standard
Rate History
No change since Oct 14, 2026 · 2.01% APY · checked 3 times
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
2106 N Saginaw Rd, Midland, MI 48640 2660
3 Month Share Certificate
$0
0.50%
▼ 1.64% below Michigan avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▼ 1.64% below avgNationally 2.13%
Details
Compounded/Paid: Monthly/Monthly
Rate History
No change since Sep 22, 2026 · 0.50% APY · checked 3 times
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
2106 N Saginaw Rd, Midland, MI 48640 2660
Traditional and Roth IRA Share Certificate - 3 Month
$0
0.50%
▼ 1.64% below Michigan avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▼ 1.64% below avgNationally 2.13%
Details
Compounded/Paid: Monthly/Monthly
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 5 times
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
2106 N Saginaw Rd, Midland, MI 48640 2660
Youth 3 Month Share Certificate
$0
0.50%
▼ 1.64% below Michigan avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▼ 1.64% below avgNationally 2.13%
Details
Youth; Compounded/Paid: Monthly/Monthly; Subsequent deposits allowed; minors 17 or younger minimum $100.00
Rate History
No change since Sep 22, 2026 · 0.50% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
Certificate of Deposit - 3 Months
$1,000
0.03%
▼ 2.11% below Michigan avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.14%▼ 2.11% below avgNationally 2.13%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
Certificate of Deposit - 3 Months
$1,000
0.02%
▼ 2.12% below Michigan avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.14%▼ 2.12% below avgNationally 2.13%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
Certificate of Deposit - 3 Months
$1,000
0.01%
▼ 2.13% below Michigan avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.14%▼ 2.13% below avgNationally 2.13%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
IRA Jumbo CD 3 Months
$3,000,000
4.32%
▲ 2.18% above Michigan avg
▼
Rate4.25%
Min Deposit$3,000,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 2.18% above avgNationally 2.13%
Details
Dividends: Quarterly; Max: $6,000,000
Rate History
No change since Oct 19, 2026 · 4.32% APY
First State Bank (MI)
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
Jumbo CD - 90 Days
$0
4.10%
▲ 1.96% above Michigan avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.14%▲ 1.96% above avgNationally 2.13%
Details
Rates current as of October 20, 2026
Rate History
No change since Sep 19, 2026 · 4.10% APY · checked 9 times
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
3-Month HYRC Certificate
$0
4.10%
▲ 1.96% above Michigan avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 1.96% above avgNationally 2.13%
Details
Qualifications Required; High-Yield Rewards Checking Account required; $1,000 minimum
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Sep 27, 20264.10%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
IRA Jumbo CD 3 Months
$500,000
4.06%
▲ 1.92% above Michigan avg
▼
Rate4.00%
Min Deposit$500,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 1.92% above avgNationally 2.13%
Details
Dividends: Quarterly; Max: $6,000,000
Rate History
No change since Oct 19, 2026 · 4.06% APY
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3-Month and 6-Month Certificate
$1,000
4.00%
▲ 1.86% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.14%▲ 1.86% above avgNationally 2.13%
Details
Limited time promotional yield on new certificates; IRA share certificates do not qualify; no additional deposits; substantial early withdrawal penalty applies
Rate History
No change since Oct 20, 2026 · 4.00% APY
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3-Month Share Certificate
$0
4.00%
▲ 1.86% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.14%▲ 1.86% above avgNationally 2.13%
Details
Limited time promotional yield; APY calculated on a 3.93% base rate; new certificates only; membership eligibility required; IRA share certificates do not qualify; no additional deposits during term; rolls over to 3-Month Certificate at available rates
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 5 times
West Shore Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
CD Specials - 3 Month
$500
3.90%
▲ 1.76% above Michigan avg
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Michigan Average2.14%▲ 1.76% above avgNationally 2.13%
Details
Minimum balance to open & obtain APY; APY is accurate as of 10/16/2026
Rate History
No change since Sep 11, 2026 · 3.90% APY · checked 8 times
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Certificate of Deposit - 3 Month
$0
3.85%
▲ 1.71% above Michigan avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.14%▲ 1.71% above avgNationally 2.13%
Details
Rate History
1 change since Sep 18, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60%
- Sep 24, 20263.85%▲ from 3.60%
- Sep 18, 20263.60%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Time Certificate of Deposit - 3 Month
$0
3.85%
▲ 1.71% above Michigan avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.14%▲ 1.71% above avgNationally 2.13%
Details
East Lansing Rates
Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 4 times
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
3-Month Certificate
$0
3.85%
▲ 1.71% above Michigan avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 1.71% above avgNationally 2.13%
Details
$1,000 minimum
Rate History
1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Sep 27, 20263.85%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Independent Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
3-Month CD Special
$0
3.76%
▲ 1.62% above Michigan avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.14%▲ 1.62% above avgNationally 2.13%
Details
Interest Tier: $1,000 minimum; Effective October 14, 2026
Rate History
2 changes since Sep 18, 2026 · 3.56% → 3.76% ▲ 0.20 pts · high 3.76% / low 3.56%
- Oct 2, 20263.76%▲ from 3.66%
- Sep 24, 20263.66%▲ from 3.56%
- Sep 18, 20263.56%first recorded
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
3 month Business Share Certificates
$0
3.75%
▲ 1.61% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 1.61% above avgNationally 2.13%
Details
Balance: $1,000 to $24,999
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
3 Month Share Certificates
$0
3.75%
▲ 1.61% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 1.61% above avgNationally 2.13%
Details
Balance: $1,000 to $24,999
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
St Francis X Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
3 Month CD & IRA CD
$0
3.60%
▲ 1.46% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.14%▲ 1.46% above avgNationally 2.13%
Details
Second Tier APY; Balance: $100,000+
Rate History
No change since Sep 12, 2026 · 3.60% APY · checked 7 times
Highpoint Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
CD - 90 Day (3 Month)
$500
3.55%
▲ 1.41% above Michigan avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Michigan Average2.14%▲ 1.41% above avgNationally 2.13%
Details
Minimum balance of $500 required to obtain stated APY; Penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 3 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Month IRA/HSA CD - VIP Bonus
$500
3.55%
▲ 1.41% above Michigan avg
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 1.41% above avgNationally 2.13%
Details
VIP Relationship Reward Bonus; Rates as of 10/18/26
Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 2 times
Honor Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3 Month CD
$1,000
3.50%
▲ 1.36% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.14%▲ 1.36% above avgNationally 2.13%
Details
Certificates of Deposit: $1,000 minimum to open; $1,000 minimum balance to obtain stated APY; rate and APY fixed for the term; limited to $250,000 per household; penalty may apply for early withdrawal
Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 2 times
St Francis X Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
3 Month CD & IRA CD
$0
3.50%
▲ 1.36% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.14%▲ 1.36% above avgNationally 2.13%
Details
First Tier APY
Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 4 times
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
3-Month Certificate or IRA-HSA Jumbo
$0
3.40%
▲ 1.26% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.14%▲ 1.26% above avgNationally 2.13%
Details
Valid thru 10/25/2026
Rate History
1 change since Sep 18, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15%
- Sep 25, 20263.40%▲ from 3.15%
- Sep 18, 20263.15%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Month CD - VIP Bonus
$0
3.40%
▲ 1.26% above Michigan avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 1.26% above avgNationally 2.13%
Details
VIP Relationship Reward Bonus rate; where noted, CD rates include 0.25% MORE VIP Relationship Reward Bonus
Rate History
No change since Oct 13, 2026 · 3.40% APY · checked 2 times
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Jumbo Term Share Certificates - 3 Months
$0
3.40%
▲ 1.26% above Michigan avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 1.26% above avgNationally 2.13%
Details
Subject to penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Term Share Certificates - 3 Months
$0
3.40%
▲ 1.26% above Michigan avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 1.26% above avgNationally 2.13%
Details
Subject to penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 8 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Month IRA/HSA CD
$500
3.30%
▲ 1.16% above Michigan avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 1.16% above avgNationally 2.13%
Details
Rates as of 10/18/26
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 7 times
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
90 Day Certificate
$500
3.29%
▲ 1.15% above Michigan avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.14%▲ 1.15% above avgNationally 2.13%
Details
Interest compounded and credited quarterly
Rate History
No change since Sep 18, 2026 · 3.29% APY · checked 8 times
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
90 Day Youth Certificate
$100
3.29%
▲ 1.15% above Michigan avg
▼
Rate3.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.14%▲ 1.15% above avgNationally 2.13%
Details
Youth certificate (ages 19 and younger); interest compounded and credited quarterly
Rate History
No change since Oct 20, 2026 · 3.29% APY
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
3-Month Certificate or IRA-HSA
$0
3.25%
▲ 1.11% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.14%▲ 1.11% above avgNationally 2.13%
Details
Valid thru 10/25/2026
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
- Sep 25, 20263.25%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
3 Month Certificate
$500
3.25%
▲ 1.11% above Michigan avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 1.11% above avgNationally 2.13%
Details
Effective 10/01/2026
Rate History
1 change since Sep 14, 2026 · 2.89% → 3.25% ▲ 0.36 pts · high 3.25% / low 2.89%
- 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%
▲ 1.11% above Michigan avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 1.11% above avgNationally 2.13%
Details
Subject to penalty for early withdrawal
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
Bank of Ann Arbor
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
3 Month Retail CD
$0
3.15%
▲ 1.01% above Michigan avg
▼
Rate3.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.14%▲ 1.01% above avgNationally 2.13%
Details
Deposits of $1,000 to $99,999; Interest Rate and APY shown with Autopay Discount; penalty may be imposed for early withdrawal; Rates effective as of 10/19/2026 - 10/25/2026
Rate History
No change since Oct 14, 2026 · 3.15% APY · checked 2 times
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
3 Month Term Share Certificate
$500
3.15%
▲ 1.01% above Michigan avg
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 1.01% above avgNationally 2.13%
Details
Rates effective 10/1/2026; Rates based on term selected and where purchased; Penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 6 times
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Month CD
$0
3.15%
▲ 1.01% above Michigan avg
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 1.01% above avgNationally 2.13%
Details
Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 7 times
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
3 Month IRA Certificate
$0
3.10%
▲ 0.96% above Michigan avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 0.96% above avgNationally 2.13%
Details
Rates accurate as of 06/29/26
Rate History
No change since Oct 19, 2026 · 3.10% APY
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
3 Month Regular Term Share Certificate
$50
3.10%
▲ 0.96% above Michigan avg
▼
Rate3.06%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 0.96% above avgNationally 2.13%
Details
Rates accurate as of 06/29/26; Regular term CDs allow additional add on deposits
Rate History
No change since Oct 19, 2026 · 3.10% APY
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 3 Month
$2,500
3.05%
▲ 0.91% above Michigan avg
▼
Rate3.02%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.14%▲ 0.91% above avgNationally 2.13%
Details
Relationship CD; relationship defined as Direct Deposit Checking; Minimum $2500 to open
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 9 times
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
3 Month Certificate of Deposit
$0
3.04%
▲ 0.90% above Michigan avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.14%▲ 0.90% above avgNationally 2.13%
Details
Balance: $10,000-$24,999; Certificate of Deposit Rates table on IRA Rates page
Rate History
No change since Oct 22, 2026 · 3.04% APY
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
3 Month IRA Certificate of Deposit
$0
3.04%
▲ 0.90% above Michigan avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.14%▲ 0.90% above avgNationally 2.13%
Details
Balance: $25,000 - $49,999; Effective Date: March 13, 2025
Rate History
No change since Oct 22, 2026 · 3.04% APY
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
Certificate of Deposit - 3 Months
$0
3.04%
▲ 0.90% above Michigan avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.14%▲ 0.90% above avgNationally 2.13%
Details
Balance: $500-$2,499
Rate History
No change since Oct 22, 2026 · 3.04% APY
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
IRA Certificate of Deposit - 3 Months
$0
3.04%
▲ 0.90% above Michigan avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.14%▲ 0.90% above avgNationally 2.13%
Details
Balance: $500-$2,499; Effective Date: March 13, 2025
Rate History
No change since Oct 22, 2026 · 3.04% APY
Midland 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
600 E Lyon Rd, Midland, MI 48640 5396
Simple CD - 6 Months
$500
4.25%
▲ 1.38% above Michigan avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 1.38% above avgNationally 2.78%
Details
Starting minimum deposit of $500; not eligible for Member Saver Reward
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 2 times
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
600 W Wackerly St, Midland, MI 48640 4702
6 Month Certificates of Deposit
$500
4.00%
▲ 1.13% above Michigan avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 1.13% above avgNationally 2.78%
Details
Minimum opening deposit $500.00; Members under 18: $100.00 minimum balance; 0.10% APY bonus with M1 Premier Checking; early withdrawal penalty may apply
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
600 W Wackerly St, Midland, MI 48640 4702
Certificate of Deposit - 6 Months
$500
4.00%
▲ 1.13% above Michigan avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 1.13% above avgNationally 2.78%
Details
Under-18 minimum balance $100.00; 0.10% APY bonus with M1 Premier Checking Account; early withdrawal penalty may apply
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
109 E Main St, Midland, MI 48640
Certificate of Deposit - 6 Month
$500
3.95%
▲ 1.08% above Michigan avg
▼
Rate3.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.87%▲ 1.08% above avgNationally 2.78%
Details
Rates as of September 28, 2026; Automatic renewal standard
Rate History
No change since Oct 14, 2026 · 3.95% APY · checked 3 times
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
600 E Lyon Rd, Midland, MI 48640 5396
Youth CDs - 6 Months
$500
3.69%
▲ 0.82% above Michigan avg
▼
Rate3.63%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 0.82% above avgNationally 2.78%
Details
Available to members if term maturity occurs before their 18th birthday; Additional deposits of $50 or more allowed throughout the CD term; Maximum total deposits of $10,000; Eligible for Member Saver Reward
Rate History
No change since Oct 6, 2026 · 3.69% APY · checked 3 times
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
100 Joseph Dr, Midland, MI 48642
Youth Certificates - 6 Month
$0
3.66%
▲ 0.79% above Michigan avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 0.79% above avgNationally 2.78%
Details
Must be 25 or younger; $100 minimum balance; $2,000 maximum deposit; deposits in $50 increments; up to 10 Youth CDs per youth account; APY will vary depending on the initial certificate deposit amount; penalty for early withdrawal; Effective Date: 10/18/2026
Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 8 times
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
600 E Lyon Rd, Midland, MI 48640 5396
Standard CD - 6 Months
$500
3.54%
▲ 0.67% above Michigan avg
▼
Rate3.48%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 0.67% above avgNationally 2.78%
Details
Eligible for Member Saver Reward
Rate History
No change since Oct 14, 2026 · 3.54% APY · checked 2 times
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5004 Eastman Ave, Midland, MI 48640
6 Month Share Certificates and IRA Share Certificates
$0
3.50%
▲ 0.63% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.87%▲ 0.63% above avgNationally 2.78%
Details
Balance: $500 & over; Applies to Share Certificates and IRA Share Certificates
Rate History
No change since Sep 21, 2026 · 3.50% APY · checked 3 times
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
2106 N Saginaw Rd, Midland, MI 48640 2660
6 Month Share Certificate
$0
3.50%
▲ 0.63% above Michigan avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 0.63% above avgNationally 2.78%
Details
Compounded/Paid: Monthly/Monthly
Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 3 times
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
2106 N Saginaw Rd, Midland, MI 48640 2660
Traditional and Roth IRA Share Certificate - 6 Month
$0
3.50%
▲ 0.63% above Michigan avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 0.63% above avgNationally 2.78%
Details
Compounded/Paid: Monthly/Monthly
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
2106 N Saginaw Rd, Midland, MI 48640 2660
Youth 6 Month Share Certificate
$0
3.50%
▲ 0.63% above Michigan avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 0.63% above avgNationally 2.78%
Details
Youth; Compounded/Paid: Monthly/Monthly; Subsequent deposits allowed; minors 17 or younger minimum $100.00
Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 5 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
401 S Saginaw Rd, Midland, MI 48640
6 Month CD-Certificate of Deposit
$0
3.00%
▲ 0.13% above Michigan avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 0.13% above avgNationally 2.78%
Details
Balance: $250,000 and up
Rate History
No change since Sep 22, 2026 · 3.00% APY · checked 7 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
401 S Saginaw Rd, Midland, MI 48640
6 Month CD-Certificate of Deposit
$0
2.95%
▲ 0.08% above Michigan avg
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 0.08% above avgNationally 2.78%
Details
Balance: $150,000 - $249,000
Rate History
No change since Sep 22, 2026 · 2.95% APY · checked 7 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
401 S Saginaw Rd, Midland, MI 48640
6 Month CD-Certificate of Deposit
$0
2.90%
▲ 0.03% above Michigan avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 0.03% above avgNationally 2.78%
Details
Balance: $100,000 - $149,000
Rate History
No change since Sep 22, 2026 · 2.90% APY · checked 7 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
401 S Saginaw Rd, Midland, MI 48640
6 Month CD-Certificate of Deposit
$0
2.85%
▼ 0.02% below Michigan avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▼ 0.02% below avgNationally 2.78%
Details
Balance: $500 - $99,999
Rate History
No change since Sep 22, 2026 · 2.85% APY · checked 7 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
Certificate of Deposit - 6 Months
$1,000
0.03%
▼ 2.84% below Michigan avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.87%▼ 2.84% below avgNationally 2.78%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
IRA CD 6 Months
$250
0.03%
▼ 2.84% below Michigan avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.87%▼ 2.84% below avgNationally 2.78%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
Certificate of Deposit - 6 Months
$1,000
0.02%
▼ 2.85% below Michigan avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.87%▼ 2.85% below avgNationally 2.78%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
IRA CD 6 Months
$250
0.02%
▼ 2.85% below Michigan avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.87%▼ 2.85% below avgNationally 2.78%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
Certificate of Deposit - 6 Months
$1,000
0.01%
▼ 2.86% below Michigan avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.87%▼ 2.86% below avgNationally 2.78%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
IRA CD 6 Months
$250
0.01%
▼ 2.86% below Michigan avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.87%▼ 2.86% below avgNationally 2.78%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
6 month - 4H or FFA CD
$0
5.05%
▲ 2.18% above Michigan avg
▼
Rate4.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 2.18% above avgNationally 2.78%
Details
Minimum: Amount of 4H or FFA - Youth Fair Participation Check, Max $5,000
Rate History
No change since Sep 14, 2026 · 5.05% APY · checked 9 times
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
6 month SmartStart Youth CD
$100
5.00%
▲ 2.13% above Michigan avg
▼
Rate4.88%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 2.13% above avgNationally 2.78%
Details
Available for members under the age of 21; $100 - $2,000; 1 per member; Members may open a 2nd CD if joint owner has an Elite Checking Account
Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 3 times
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
Rising Rate Certificate of Deposit - Third 6-month Term
$10,000
4.75%
▲ 1.88% above Michigan avg
▼
Rate4.65%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.87%▲ 1.88% above avgNationally 2.78%
Details
Third 6-month term; Interest is compounded monthly; 10-day option to withdraw at the end of each six-month term; penalty for early withdrawals applies at other times; no brokered deposits
Rate History
No change since Oct 7, 2026 · 4.75% APY · checked 6 times
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
6 Month Share Certificates
$0
4.75%
▲ 1.88% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.87%▲ 1.88% above avgNationally 2.78%
Details
FEATURED RATE
Rate History
1 change since Sep 30, 2026 · 3.75% → 4.75% ▲ 1.00 pts · high 4.75% / low 3.75%
- Oct 23, 20264.75%▲ from 3.75%
- Sep 30, 20263.75%first recorded
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
6 Month Youth Certificates 1
$0
4.75%
▲ 1.88% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.87%▲ 1.88% above avgNationally 2.78%
Details
FEATURED RATE; Penalties may apply for early withdrawals.
Rate History
No change since Oct 23, 2026 · 4.75% APY
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
Rising Rate Certificate of Deposit - Second 6-month Term
$10,000
4.50%
▲ 1.63% above Michigan avg
▼
Rate4.41%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.87%▲ 1.63% above avgNationally 2.78%
Details
Second 6-month term; Interest is compounded monthly; 10-day option to withdraw at the end of each six-month term; penalty for early withdrawals applies at other times; no brokered deposits
Rate History
No change since Oct 7, 2026 · 4.50% APY · checked 6 times
Community Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
6 Month Certificate
$1,000
4.30%
▲ 1.43% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.87%▲ 1.43% above avgNationally 2.78%
Details
Share Certificate
Rate History
No change since Oct 22, 2026 · 4.30% APY · checked 2 times
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
Rising Rate Certificate of Deposit - First 6-month Term
$10,000
4.25%
▲ 1.38% above Michigan avg
▼
Rate4.17%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.87%▲ 1.38% above avgNationally 2.78%
Details
First 6-month term; Interest is compounded monthly; 10-day option to withdraw at the end of each six-month term; penalty for early withdrawals applies at other times; no brokered deposits
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 6 times
Kalsee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
6-Month Special - Platinum & VIP Members
$0
4.25%
▲ 1.38% above Michigan avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 1.38% above avgNationally 2.78%
Details
Platinum & VIP Members; Balance: $500 - $1,000,000
Rate History
No change since Oct 19, 2026 · 4.25% APY
Kalsee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
6-Month Special CD - Platinum & VIP
$500
4.25%
▲ 1.38% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 1.38% above avgNationally 2.78%
Details
Balance: $500 - $1,000,000; Platinum or VIP Members rate; Limited time promo; Kalsee Credit Union membership required
Rate History
No change since Oct 19, 2026 · 4.25% APY
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
Jumbo Share Certificate - 6 months
$100,000
4.16%
▲ 1.29% above Michigan avg
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.87%▲ 1.29% above avgNationally 2.78%
Details
Minimum deposit of $100,000.00; Certificate specials will not renew at end of term; A penalty may be imposed for early withdrawal
Rate History
1 change since Sep 12, 2026 · 3.96% → 4.16% ▲ 0.20 pts · high 4.16% / low 3.96%
- Oct 4, 20264.16%▲ from 3.96%
- Sep 12, 20263.96%first recorded
GR Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
6 Month Certificate
$500
4.15%
▲ 1.28% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 1.28% above avgNationally 2.78%
Details
Maximum purchase $250,000.00; Gold and Platinum members are eligible for bonus rates
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Sep 22, 20264.15%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
IRA Certificate of Deposit - 6 Months
$0
4.10%
▲ 1.23% above Michigan avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 1.23% above avgNationally 2.78%
Details
Effective 10/18/2026; APY includes .25% bonus for Meijer Team members, Meijer retirees and current MCU members
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 3 times
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
6-Month HYRC Certificate
$0
4.10%
▲ 1.23% above Michigan avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 1.23% above avgNationally 2.78%
Details
Qualifications Required; High-Yield Rewards Checking Account required; $1,000 minimum
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Sep 27, 20264.10%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-Month Business CD
$2,500
4.10%
▲ 1.23% above Michigan avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.87%▲ 1.23% above avgNationally 2.78%
Details
APY accurate as of 10/22/2026; maximum deposit $10 million; not available for public units; limited-time offer; early withdrawal penalties apply
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-Month CD
$2,500
4.10%
▲ 1.23% above Michigan avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.87%▲ 1.23% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
- 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%
▲ 1.20% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.87%▲ 1.20% above avgNationally 2.78%
Details
Homepage rate guide
Rate History
No change since Sep 25, 2026 · 4.07% APY · checked 6 times
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
6 Month Timed Certificate
$1,000
4.07%
▲ 1.20% above Michigan avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 1.20% above avgNationally 2.78%
Details
Rate History
No change since Oct 13, 2026 · 4.07% APY · checked 2 times
West Shore Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
CD Specials - 6 Month
$500
4.05%
▲ 1.18% above Michigan avg
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Michigan Average2.87%▲ 1.18% above avgNationally 2.78%
Details
Minimum balance to open & obtain APY; APY is accurate as of 10/16/2026
Rate History
1 change since Sep 11, 2026 · 3.80% → 4.05% ▲ 0.25 pts · high 4.05% / low 3.80%
- Oct 21, 20264.05%▲ from 3.80%
- Sep 11, 20263.80%first recorded
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
6 MONTH CD
$50,000
4.05%
▲ 1.18% above Michigan avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 1.18% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.05% ▲ 0.25 pts · high 4.05% / low 3.80%
- Oct 9, 20264.05%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
Term Share Certificates - 6 Month
$100
4.02%
▲ 1.15% above Michigan avg
▼
Rate3.95%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.87%▲ 1.15% above avgNationally 2.78%
Details
Effective Date: Friday, October 23rd, 2026
Rate History
No change since Sep 14, 2026 · 4.02% APY · checked 2 times
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
6-month CD
$1,000
4.00%
▲ 1.13% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.87%▲ 1.13% above avgNationally 2.78%
Details
Online Only; 30-day penalty if withdrawn before maturity
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.00% ▲ 0.44 pts · high 4.00% / low 3.56%
- 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%
Certificate of Deposit - 6 Month
$0
4.00%
▲ 1.13% above Michigan avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.87%▲ 1.13% above avgNationally 2.78%
Details
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
- 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%
▲ 1.13% above Michigan avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.87%▲ 1.13% above avgNationally 2.78%
Details
East Lansing Rates
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 4 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 6-Month Share Certificate
$0
4.00%
▲ 1.13% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.87%▲ 1.13% above avgNationally 2.78%
Details
Limited time promotional yield; APY calculated on a 3.93% base rate; new certificates only; membership eligibility required; IRA share certificates do not qualify; no additional deposits during term; rolls over to 6-Month Certificate at available rates
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 5 times
West Michigan Community Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.71%
6-Month CD
$0
4.00%
▲ 1.13% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.87%▲ 1.13% above avgNationally 2.78%
Details
Jenison Branch Only; Promo code RENOVATE; Requires $1,000 minimum balance to earn APY; Interest paid until maturity, compounded and paid quarterly; Early withdrawal penalties apply; At renewal, renews as a 6-month CD at the current posted rate
Rate History
No change since Oct 22, 2026 · 4.00% APY
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 month Share Certificate
$0
4.00%
▲ 1.13% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.87%▲ 1.13% above avgNationally 2.78%
Details
Maximum balance: $250,000.00
Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 6 times
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
6 Month Youth Certificates
$0
4.00%
▲ 1.13% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.87%▲ 1.13% above avgNationally 2.78%
Details
FEATURED RATE; APY includes .25% Club Benefit Earned payment; Club Benefit Earned payments discontinue at age 18
Rate History
No change since Sep 30, 2026 · 4.00% APY · checked 5 times
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Youth Certificates - 6 Months
$0
4.00%
▲ 1.13% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.87%▲ 1.13% above avgNationally 2.78%
Details
FEATURED RATE; Youth certificate for Ranger Club (0-12) and Navigator Club (13-17) members; APY includes .25% Club Benefit Earned payment, which discontinues at age 18; Early withdrawal penalty: 90 days of dividends
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
Midland 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
600 E Lyon Rd, Midland, MI 48640 5396
Simple CD - 12 Months
$500
4.30%
▲ 1.19% above Michigan avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 1.19% above avgNationally 2.99%
Details
Starting minimum deposit of $500; not eligible for Member Saver Reward
Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 2 times
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
109 E Main St, Midland, MI 48640
Certificate of Deposit - 12 Month
$500
3.85%
▲ 0.74% above Michigan avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.11%▲ 0.74% above avgNationally 2.99%
Details
Rates as of September 28, 2026; Automatic renewal standard
Rate History
No change since Oct 14, 2026 · 3.85% APY · checked 3 times
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
600 W Wackerly St, Midland, MI 48640 4702
12 Month Certificates of Deposit
$500
3.75%
▲ 0.64% above Michigan avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.64% above avgNationally 2.99%
Details
Minimum opening deposit $500.00; Members under 18: $100.00 minimum balance; 0.10% APY bonus with M1 Premier Checking; early withdrawal penalty may apply
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
600 W Wackerly St, Midland, MI 48640 4702
Certificate of Deposit - 12 Months
$500
3.75%
▲ 0.64% above Michigan avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.64% above avgNationally 2.99%
Details
Under-18 minimum balance $100.00; 0.10% APY bonus with M1 Premier Checking Account; early withdrawal penalty may apply
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
600 E Lyon Rd, Midland, MI 48640 5396
Youth CDs - 12 Months
$500
3.73%
▲ 0.62% above Michigan avg
▼
Rate3.67%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.62% above avgNationally 2.99%
Details
Available to members if term maturity occurs before their 18th birthday; Additional deposits of $50 or more allowed throughout the CD term; Maximum total deposits of $10,000; Eligible for Member Saver Reward
Rate History
No change since Oct 6, 2026 · 3.73% APY · checked 3 times
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
100 Joseph Dr, Midland, MI 48642
12 Month Youth Certificate
$0
3.71%
▲ 0.60% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.60% above avgNationally 2.99%
Details
Must be 25 or younger; $2,000 maximum deposit; deposits in $50 increments; up to 10 Youth CDs per youth account; APY varies with initial deposit amount; Effective Date: 10/18/2026; penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 8 times
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
100 Joseph Dr, Midland, MI 48642
Youth Certificates - 12 Month
$0
3.71%
▲ 0.60% above Michigan avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.60% above avgNationally 2.99%
Details
Must be 25 or younger; $100 minimum balance; $2,000 maximum deposit; deposits in $50 increments; up to 10 Youth CDs per youth account; APY will vary depending on the initial certificate deposit amount; penalty for early withdrawal; Effective Date: 10/18/2026
Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 8 times
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5004 Eastman Ave, Midland, MI 48640
12 Month Share Certificates and IRA Share Certificates
$0
3.60%
▲ 0.49% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.11%▲ 0.49% above avgNationally 2.99%
Details
Balance: $500 & over; Applies to Share Certificates and IRA Share Certificates
Rate History
1 change since Sep 21, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55%
- Oct 23, 20263.60%▲ from 3.55%
- Sep 21, 20263.55%first recorded
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5004 Eastman Ave, Midland, MI 48640
12 Month Smart Savers
$0
3.60%
▲ 0.49% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.11%▲ 0.49% above avgNationally 2.99%
Details
Balance to Earn APY: $25 & over
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55%
- Oct 5, 20263.60%▲ from 3.55%
- Sep 14, 20263.55%first recorded
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
600 E Lyon Rd, Midland, MI 48640 5396
12 Month Standard CD
$500
3.58%
▲ 0.47% above Michigan avg
▼
Rate3.52%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.47% above avgNationally 2.99%
Details
Source table labeled HSA CDs; values match the Standard CDs section. Starting minimum deposit $500. Eligible for Member Saver Reward. Effective October 1, 2026.
Rate History
No change since Oct 19, 2026 · 3.58% APY
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
600 E Lyon Rd, Midland, MI 48640 5396
Standard CD - 12 Months
$500
3.58%
▲ 0.47% above Michigan avg
▼
Rate3.52%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.47% above avgNationally 2.99%
Details
Eligible for Member Saver Reward
Rate History
No change since Oct 14, 2026 · 3.58% APY · checked 2 times
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
1000 S Saginaw Rd, Midland, MI 48640
IRA Share Certificates of Deposit - 1 year
$0
3.55%
▲ 0.44% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.44% above avgNationally 2.99%
Details
Early withdrawal penalty: 90 days interest for terms of 12 months or less, 180 days interest for terms greater than 1 year. Rates effective as of October 1, 2026.
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 2 times
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
1000 S Saginaw Rd, Midland, MI 48640
Share Certificates of Deposit - 1 year
$0
3.55%
▲ 0.44% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.44% above avgNationally 2.99%
Details
Penalty for early withdrawal: 90 days interest for terms of 12 months or less
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
2106 N Saginaw Rd, Midland, MI 48640 2660
12 Month Share Certificate
$0
3.50%
▲ 0.39% above Michigan avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.39% above avgNationally 2.99%
Details
Compounded/Paid: Quarterly/Quarterly
Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 3 times
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
2106 N Saginaw Rd, Midland, MI 48640 2660
Traditional and Roth IRA Share Certificate - 12 Month
$0
3.50%
▲ 0.39% above Michigan avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.39% above avgNationally 2.99%
Details
Compounded/Paid: Quarterly/Quarterly
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
2106 N Saginaw Rd, Midland, MI 48640 2660
Youth 12 Month Share Certificate
$0
3.50%
▲ 0.39% above Michigan avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.39% above avgNationally 2.99%
Details
Youth; Compounded/Paid: Quarterly/Quarterly; Subsequent deposits allowed; minors 17 or younger minimum $100.00
Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 5 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
401 S Saginaw Rd, Midland, MI 48640
12 Month CD-Certificate of Deposit
$0
3.25%
▲ 0.14% above Michigan avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.14% above avgNationally 2.99%
Details
Balance: $250,000 and up
Rate History
No change since Sep 22, 2026 · 3.25% APY · checked 7 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
401 S Saginaw Rd, Midland, MI 48640
12 Month CD-Certificate of Deposit
$0
3.20%
▲ 0.09% above Michigan avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.09% above avgNationally 2.99%
Details
Balance: $150,000 - $249,000
Rate History
No change since Sep 22, 2026 · 3.20% APY · checked 7 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
401 S Saginaw Rd, Midland, MI 48640
12 Month CD-Certificate of Deposit
$0
3.15%
▲ 0.04% above Michigan avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.04% above avgNationally 2.99%
Details
Balance: $100,000 - $149,000
Rate History
No change since Sep 22, 2026 · 3.15% APY · checked 7 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
401 S Saginaw Rd, Midland, MI 48640
12 Month CD-Certificate of Deposit
$0
3.10%
▼ 0.01% below Michigan avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▼ 0.01% below avgNationally 2.99%
Details
Balance: $500 - $99,999
Rate History
No change since Sep 22, 2026 · 3.10% APY · checked 7 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
401 S Saginaw Rd, Midland, MI 48640
12 Month Save To Win CD
$25
3.00%
▼ 0.11% below Michigan avg
▼
Rate2.97%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▼ 0.11% below avgNationally 2.99%
Details
12 Month CD; Can Add Funds At Anytime; Cannot withdraw until 12 months after date of opening
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 9 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
Certificate of Deposit - 12 Months
$1,000
0.03%
▼ 3.08% below Michigan avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.11%▼ 3.08% below avgNationally 2.99%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
IRA CD 12 Months
$250
0.03%
▼ 3.08% below Michigan avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.11%▼ 3.08% below avgNationally 2.99%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
Certificate of Deposit - 12 Months
$1,000
0.02%
▼ 3.09% below Michigan avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.11%▼ 3.09% below avgNationally 2.99%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
IRA CD 12 Months
$250
0.02%
▼ 3.09% below Michigan avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.11%▼ 3.09% below avgNationally 2.99%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
Certificate of Deposit - 12 Months
$1,000
0.01%
▼ 3.10% below Michigan avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.11%▼ 3.10% below avgNationally 2.99%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
IRA CD 12 Months
$250
0.01%
▼ 3.10% below Michigan avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.11%▼ 3.10% below avgNationally 2.99%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
Diversified Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
12 Month Legacy CD
$5,000
5.15%
▲ 2.04% above Michigan avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 2.04% above avgNationally 2.99%
Details
Legacy CD: for a representative, beneficiary or joint owner of a deceased member's account; Max deposit $1,000,000; two withdrawals and two additional deposits without penalty during the 12-month period; third withdrawal incurs a penalty and closes the account
Rate History
No change since Sep 18, 2026 · 5.15% APY · checked 6 times
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
Certificates of Deposit - 12 Month Youth Special
$0
5.00%
▲ 1.89% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 1.89% above avgNationally 2.99%
Details
Special; Ages 0-17; $1,000 maximum; One per member; Not available for business accounts
Rate History
No change since Oct 19, 2026 · 5.00% APY
Best Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
12 Month Super Kids Certificate
$100
5.00%
▲ 1.89% above Michigan avg
▼
Rate4.91%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 1.89% above avgNationally 2.99%
Details
Early withdrawal penalty: 90 days interest
Rate History
No change since Oct 13, 2026 · 5.00% APY · checked 2 times
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
12 Month Youth (Explorer) CD
$0
4.60%
▲ 1.49% above Michigan avg
▼
Rate4.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 1.49% above avgNationally 2.99%
Details
Youth (Explorer) CD: 12-month term; Certificate of Deposit; Penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.60% ▲ 0.75 pts · high 4.60% / low 3.85%
- Oct 19, 20264.60%▲ from 3.85%
- Sep 14, 20263.85%first recorded
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
12-month CD
$1,000
4.50%
▲ 1.39% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.11%▲ 1.39% above avgNationally 2.99%
Details
Featured rate; Online Only; 30-day penalty if withdrawn before maturity
Rate History
2 changes since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
- Oct 20, 20264.50%▲ from 4.35%
- Sep 24, 20264.35%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
12 Month Share Certificates
$0
4.50%
▲ 1.39% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.11%▲ 1.39% above avgNationally 2.99%
Details
Rate History
3 changes since Sep 30, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
- Oct 23, 20264.50%▲ from 3.50%
- Oct 15, 20263.50%▼ from 4.50%
- Oct 14, 20264.50%▲ from 3.50%
- Sep 30, 20263.50%first recorded
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
12 Month Youth Certificates 1
$0
4.50%
▲ 1.39% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.11%▲ 1.39% above avgNationally 2.99%
Details
Penalties may apply for early withdrawals.
Rate History
No change since Oct 23, 2026 · 4.50% APY
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
Save to Win (1 year) - Military
$0
4.50%
▲ 1.39% above Michigan avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 1.39% above avgNationally 2.99%
Details
Military rate; requires full direct deposit of $2,000 or more into checking; military status verification required
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 3 times
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
12 Month Youth Share Certificate
$100
4.50%
▲ 1.39% above Michigan avg
▼
Rate4.41%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 1.39% above avgNationally 2.99%
Details
Max $500; Youth club members 17 years old and younger only; Penalty for early withdrawal
Rate History
2 changes since Sep 14, 2026 · 3.20% → 4.50% ▲ 1.30 pts · high 4.50% / low 3.20%
- Oct 19, 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%
▲ 1.39% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 1.39% above avgNationally 2.99%
Details
Dividends compounded and credited monthly; Rates effective as of October 19, 2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- 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%
Certificates of Deposit - 12 Month Youth Certificate
$0
4.50%
▲ 1.39% above Michigan avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 1.39% above avgNationally 2.99%
Details
Youth Certificate
Rate History
No change since Oct 19, 2026 · 4.50% APY
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
12 Month Certificate of Deposit (CD)
$0
4.45%
▲ 1.34% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.11%▲ 1.34% above avgNationally 2.99%
Details
Secure a great rate while it lasts!; 1,000 minimum balance to obtain the APY; APY assumes principal and interest remain on deposit until maturity; early withdrawal penalty may apply; for deposits over $1 million, call for rates
Rate History
2 changes since Sep 18, 2026 · 4.00% → 4.45% ▲ 0.45 pts · high 4.45% / low 4.00%
- Oct 20, 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%
Certificate of Deposit - 12 Month Special
$0
4.45%
▲ 1.34% above Michigan avg
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.11%▲ 1.34% above avgNationally 2.99%
Details
Rate History
No change since Oct 14, 2026 · 4.45% APY · checked 2 times
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Time Certificate of Deposit - 12 Month Special
$0
4.45%
▲ 1.34% above Michigan avg
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.11%▲ 1.34% above avgNationally 2.99%
Details
East Lansing Rates; Special 12 month CD rate
Rate History
No change since Oct 14, 2026 · 4.45% APY · checked 2 times
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
Certificate of Deposit Special - 12 Month
$10,000
4.35%
▲ 1.24% above Michigan avg
▼
Rate4.27%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.11%▲ 1.24% above avgNationally 2.99%
Details
Limited-time offer; brokered deposits not eligible; last updated 10/01/2026
Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 6 times
Wolverine State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
1 YEAR YOUTH CD
$100
4.34%
▲ 1.23% above Michigan avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 1.23% above avgNationally 2.99%
Details
Youth account
Rate History
No change since Sep 14, 2026 · 4.34% APY · checked 7 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12-Month Business CD
$500
4.30%
▲ 1.19% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.11%▲ 1.19% above avgNationally 2.99%
Details
APY accurate as of 10/22/2026; maximum deposit $10 million; not available for public units; limited-time offer; early withdrawal penalties apply
Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 3 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12-Month CD
$500
4.30%
▲ 1.19% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.11%▲ 1.19% 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%
- Oct 10, 20264.30%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
12 Month Share Certificate
$0
4.29%
▲ 1.18% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.11%▲ 1.18% above avgNationally 2.99%
Details
Special CD/Share Certificate Rates; Only new funds eligible for promotional rate. Qualifications apply.
Rate History
No change since Oct 8, 2026 · 4.29% APY · checked 2 times
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Special Share Certificates - 12 Month
$0
4.29%
▲ 1.18% above Michigan avg
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.11%▲ 1.18% above avgNationally 2.99%
Details
Dividend rate 4.21%; APY 4.29%; A penalty may be imposed for early withdrawal
Rate History
No change since Oct 15, 2026 · 4.29% APY · checked 2 times
West Shore Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
CD Specials - 12 Month
$500
4.25%
▲ 1.14% above Michigan avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Michigan Average3.11%▲ 1.14% above avgNationally 2.99%
Details
Minimum balance to open & obtain APY; APY is accurate as of 10/16/2026
Rate History
1 change since Sep 11, 2026 · 3.35% → 4.25% ▲ 0.90 pts · high 4.25% / low 3.35%
- Oct 21, 20264.25%▲ from 3.35%
- Sep 11, 20263.35%first recorded
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
Jumbo Share Certificate - 12 months
$100,000
4.22%
▲ 1.11% above Michigan avg
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.11%▲ 1.11% above avgNationally 2.99%
Details
Minimum deposit of $100,000.00; Certificate specials will not renew at end of term; A penalty may be imposed for early withdrawal
Rate History
1 change since Sep 12, 2026 · 4.01% → 4.22% ▲ 0.21 pts · high 4.22% / low 4.01%
- 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 of Deposit
$0
4.19%
▲ 1.08% above Michigan avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 1.08% above avgNationally 2.99%
Details
Rate History
No change since Oct 13, 2026 · 4.19% APY · checked 2 times
Midland 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
600 E Lyon Rd, Midland, MI 48640 5396
Simple CD - 18 Months
$500
4.25%
▲ 1.21% above Michigan avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.21% above avgNationally 2.88%
Details
Starting minimum deposit of $500; not eligible for Member Saver Reward
Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 2 times
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
109 E Main St, Midland, MI 48640
Certificate of Deposit - 18 Month
$500
3.60%
▲ 0.56% above Michigan avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▲ 0.56% above avgNationally 2.88%
Details
Rates as of September 28, 2026; Automatic renewal standard
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 3 times
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
1000 S Saginaw Rd, Midland, MI 48640
IRA Share Certificates of Deposit - 1.5 year
$0
3.60%
▲ 0.56% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.56% above avgNationally 2.88%
Details
Early withdrawal penalty: 90 days interest for terms of 12 months or less, 180 days interest for terms greater than 1 year. Rates effective as of October 1, 2026.
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 2 times
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
1000 S Saginaw Rd, Midland, MI 48640
Share Certificates of Deposit - 1.5 year
$0
3.60%
▲ 0.56% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.56% above avgNationally 2.88%
Details
Penalty for early withdrawal: 180 days interest for terms greater than 1 year
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 2 times
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
600 E Lyon Rd, Midland, MI 48640 5396
Standard CD - 18 Months
$500
3.54%
▲ 0.50% above Michigan avg
▼
Rate3.48%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.50% above avgNationally 2.88%
Details
Eligible for Member Saver Reward
Rate History
No change since Oct 14, 2026 · 3.54% APY · checked 2 times
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
2106 N Saginaw Rd, Midland, MI 48640 2660
18 Month Share Certificate
$0
3.50%
▲ 0.46% above Michigan avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.46% above avgNationally 2.88%
Details
Compounded/Paid: Quarterly/Quarterly
Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 3 times
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
2106 N Saginaw Rd, Midland, MI 48640 2660
Traditional and Roth IRA Share Certificate - 18 Month
$0
3.50%
▲ 0.46% above Michigan avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.46% above avgNationally 2.88%
Details
Compounded/Paid: Quarterly/Quarterly
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
401 S Saginaw Rd, Midland, MI 48640
18 Month CD-Certificate of Deposit
$0
3.31%
▲ 0.27% above Michigan avg
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.27% above avgNationally 2.88%
Details
Balance: $250,000 and up
Rate History
No change since Sep 22, 2026 · 3.31% APY · checked 7 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
401 S Saginaw Rd, Midland, MI 48640
18 Month CD-Certificate of Deposit
$0
3.25%
▲ 0.21% above Michigan avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.21% above avgNationally 2.88%
Details
Balance: $150,000 - $249,000
Rate History
No change since Sep 22, 2026 · 3.25% APY · checked 7 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
401 S Saginaw Rd, Midland, MI 48640
18 Month CD-Certificate of Deposit
$0
3.20%
▲ 0.16% above Michigan avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.16% above avgNationally 2.88%
Details
Balance: $100,000 - $149,000
Rate History
No change since Sep 22, 2026 · 3.20% APY · checked 7 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
401 S Saginaw Rd, Midland, MI 48640
18 Month CD-Certificate of Deposit
$0
3.14%
▲ 0.10% above Michigan avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.10% above avgNationally 2.88%
Details
Balance: $500 - $99,999
Rate History
No change since Sep 22, 2026 · 3.14% APY · checked 7 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
Certificate of Deposit - 18 Months
$1,000
0.03%
▼ 3.01% below Michigan avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▼ 3.01% below avgNationally 2.88%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
IRA CD 18 Months
$250
0.03%
▼ 3.01% below Michigan avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▼ 3.01% below avgNationally 2.88%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
Certificate of Deposit - 18 Months
$1,000
0.02%
▼ 3.02% below Michigan avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▼ 3.02% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
IRA CD 18 Months
$250
0.02%
▼ 3.02% below Michigan avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▼ 3.02% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
Certificate of Deposit - 18 Months
$1,000
0.01%
▼ 3.03% below Michigan avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▼ 3.03% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
IRA CD 18 Months
$250
0.01%
▼ 3.03% below Michigan avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▼ 3.03% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
18-Month Special - Military
$0
5.25%
▲ 2.21% above Michigan avg
▼
Rate5.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 2.21% above avgNationally 2.88%
Details
Military rate; requires full direct deposit of $2,000 or more into checking; military status verification required; At maturity, the CD will be renewed into a 24-month CD.
Rate History
No change since Oct 9, 2026 · 5.25% APY · checked 4 times
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
18 Month Certificate
$500
4.50%
▲ 1.46% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.46% above avgNationally 2.88%
Details
Dividends compounded and credited monthly; Rates effective as of October 19, 2026
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10%
- Sep 29, 20264.50%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Certificates of Deposit - 18 Month
$0
4.50%
▲ 1.46% above Michigan avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.46% above avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
18-month CD
$1,000
4.45%
▲ 1.41% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▲ 1.41% above avgNationally 2.88%
Details
Online Only; 30-day penalty if withdrawn before maturity
Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.45% ▲ 0.45 pts · high 4.45% / low 4.00%
- Oct 20, 20264.45%▲ from 4.15%
- Sep 24, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Certificate of Deposit - 18 Month
$0
4.40%
▲ 1.36% above Michigan avg
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▲ 1.36% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 18, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
- Oct 14, 20264.40%▲ from 4.30%
- Sep 24, 20264.30%▲ from 4.20%
- Sep 18, 20264.20%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Time Certificate of Deposit - 18 Month
$0
4.40%
▲ 1.36% above Michigan avg
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▲ 1.36% above avgNationally 2.88%
Details
East Lansing Rates
Rate History
1 change since Oct 7, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
- Oct 14, 20264.40%▲ from 4.30%
- Oct 7, 20264.30%first recorded
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
18 Month Share Certificate
$0
4.29%
▲ 1.25% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.04%▲ 1.25% above avgNationally 2.88%
Details
Special CD/Share Certificate Rates; Only new funds eligible for promotional rate. Qualifications apply.
Rate History
No change since Oct 8, 2026 · 4.29% APY · checked 2 times
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Special Share Certificates - 18 Month
$0
4.29%
▲ 1.25% above Michigan avg
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.04%▲ 1.25% above avgNationally 2.88%
Details
Dividend rate 4.21%; APY 4.29%; A penalty may be imposed for early withdrawal
Rate History
No change since Oct 15, 2026 · 4.29% APY · checked 2 times
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 18 Month
$2,500
4.25%
▲ 1.21% above Michigan avg
▼
Rate4.18%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▲ 1.21% above avgNationally 2.88%
Details
Relationship CD; relationship defined as Direct Deposit Checking; Minimum $2500 to open
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
- Sep 24, 20264.25%▲ from 4.10%
- Sep 14, 20264.10%first recorded
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
18 Month Certificate Special
$0
4.25%
▲ 1.21% above Michigan avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.21% above avgNationally 2.88%
Details
At maturity, the CD will be renewed into a 24-month CD.
Rate History
No change since Oct 19, 2026 · 4.25% APY
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
18-Month CD
$500
4.25%
▲ 1.21% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▲ 1.21% above avgNationally 2.88%
Details
Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 4 times
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
18 Month Promo CD Special
$0
4.15%
▲ 1.11% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▲ 1.11% above avgNationally 2.88%
Details
Open in Minutes
Rate History
No change since Oct 22, 2026 · 4.15% APY
Southern Michigan Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
18 Month CD - With Early Withdrawal Penalty
$500
4.15%
▲ 1.11% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▲ 1.11% above avgNationally 2.88%
Details
Early withdrawal penalty equal to six months' interest; renews at then-current 12-month CD term rate at maturity; APY accurate as of October 15, 2026
Rate History
No change since Oct 22, 2026 · 4.15% APY
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
18 Month Certificate or IRA-HSA Jumbo
$0
4.15%
▲ 1.11% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.04%▲ 1.11% above avgNationally 2.88%
Details
Valid thru 10/25/2026
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85%
- Sep 25, 20264.15%▲ from 3.85%
- Sep 18, 20263.85%first recorded
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
18 Month Certificates
$1,000
4.15%
▲ 1.11% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.11% above avgNationally 2.88%
Details
Dividends are paid monthly.
Rate History
1 change since Sep 26, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 19, 20264.15%▲ from 3.75%
- Sep 26, 20263.75%first recorded
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
18 Month IRA Certificate
$0
4.10%
▲ 1.06% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.04%▲ 1.06% above avgNationally 2.88%
Details
IRA - Individual accounts only
Rate History
No change since Sep 16, 2026 · 4.10% APY · checked 6 times
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
Certificate - 18 Months
$500
4.10%
▲ 1.06% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.04%▲ 1.06% above avgNationally 2.88%
Details
Substantial penalty for early withdrawals
Rate History
No change since Sep 16, 2026 · 4.10% APY · checked 7 times
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
Share Certificate - 18 Months
$1,000
4.10%
▲ 1.06% above Michigan avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.04%▲ 1.06% above avgNationally 2.88%
Details
*APR = Annual Percentage Rate; **APY = Annual Percentage Yield
Rate History
No change since Sep 12, 2026 · 4.10% APY · checked 9 times
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
18 Month Certificate
$500
4.07%
▲ 1.03% above Michigan avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.03% above avgNationally 2.88%
Details
Effective 10/01/2026
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
- Oct 9, 20264.07%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo and Jumbo IRA Certificates - 18 Months
$0
4.01%
▲ 0.97% above Michigan avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.97% above avgNationally 2.88%
Details
Balance: $100,000 and over; Penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 3 times
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo Certificate - 18 Months
$100,000
4.01%
▲ 0.97% above Michigan avg
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.97% above avgNationally 2.88%
Details
Minimum balance $100,000 to open and earn APY; penalty for early withdrawal
Rate History
No change since Oct 19, 2026 · 4.01% APY
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
18 Month Certificate or IRA-HSA
$0
4.00%
▲ 0.96% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.04%▲ 0.96% above avgNationally 2.88%
Details
Valid thru 10/25/2026
Rate History
1 change since Sep 18, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
- Sep 25, 20264.00%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Dearborn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
18 Month Variable Rate IRA
$100
3.96%
▲ 0.92% above Michigan avg
▼
Rate3.89%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▲ 0.92% above avgNationally 2.88%
Details
IRA; Daily Balance: $100; The interest rate and APY may change after account opening
Rate History
1 change since Sep 14, 2026 · 3.79% → 3.96% ▲ 0.17 pts · high 3.96% / low 3.79%
- Oct 3, 20263.96%▲ from 3.79%
- Sep 14, 20263.79%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
18 Month Term Certificate
$500
3.96%
▲ 0.92% above Michigan avg
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.92% above avgNationally 2.88%
Details
Penalty for early withdrawal
Rate History
No change since Oct 10, 2026 · 3.96% APY · checked 2 times
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
IRA Certificate - 18 Months
$500
3.96%
▲ 0.92% above Michigan avg
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.92% above avgNationally 2.88%
Details
$500 minimum balance to open and earn APY; Penalty for early withdrawal; Source caption reads IRA Certificates but rows sit under Term Certificates $500 and Above heading
Rate History
No change since Sep 18, 2026 · 3.96% APY · checked 6 times
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Term Certificate - 18 Months
$500
3.96%
▲ 0.92% above Michigan avg
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.92% above avgNationally 2.88%
Details
Term Certificates $500 and Above; Penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 8 times
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
CD - 18 Month
$2,500
3.95%
▲ 0.91% above Michigan avg
▼
Rate3.89%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▲ 0.91% above avgNationally 2.88%
Details
Minimum $2500 to open
Rate History
1 change since Sep 14, 2026 · 3.80% → 3.95% ▲ 0.15 pts · high 3.95% / low 3.80%
- Sep 24, 20263.95%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
18 Month CD
$500
3.95%
▲ 0.91% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▲ 0.91% above avgNationally 2.88%
Details
APY compounded quarterly; A penalty may be imposed for early withdrawal
Rate History
1 change since Sep 19, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75%
- Oct 14, 20263.95%▲ from 3.75%
- Sep 19, 20263.75%first recorded
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
18 Month CD
$10,000
3.91%
▲ 0.87% above Michigan avg
▼
Rate3.85%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.87% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.91% APY · checked 7 times
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
18 Month IRA CD
$4,000
3.91%
▲ 0.87% above Michigan avg
▼
Rate3.85%
Min Deposit$4,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.87% above avgNationally 2.88%
Details
IRA
Rate History
No change since Sep 14, 2026 · 3.91% APY · checked 7 times
Southern Michigan Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
18 Month CD - No Early Withdrawal Penalty
$500
3.90%
▲ 0.86% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▲ 0.86% above avgNationally 2.88%
Details
No early withdrawal penalty during initial term; renews at then-current 12-month CD term rate at maturity; APY accurate as of October 15, 2026
Rate History
No change since Oct 22, 2026 · 3.90% APY
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
Certificate - 18 Month Jump Rate Certificate
$500
3.85%
▲ 0.81% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.04%▲ 0.81% above avgNationally 2.88%
Details
Rate Jump certificate; may opt into a new rate once per term if rates increase within the term; Substantial penalty for early withdrawals
Rate History
No change since Oct 23, 2026 · 3.85% APY
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
Business 31 Certificate of Deposit - 18 month
$0
3.85%
▲ 0.81% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.04%▲ 0.81% above avgNationally 2.88%
Details
Minimum $500 balance to earn dividend. Penalty for early withdrawal.
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
Midland 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
600 E Lyon Rd, Midland, MI 48640 5396
Simple CD - 24 Months
$500
4.40%
▲ 1.44% above Michigan avg
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 1.44% above avgNationally 2.90%
Details
Starting minimum deposit of $500; not eligible for Member Saver Reward
Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 2 times
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
600 E Lyon Rd, Midland, MI 48640 5396
24 Month Standard CD
$500
3.65%
▲ 0.69% above Michigan avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 0.69% above avgNationally 2.90%
Details
Source table labeled HSA CDs; values match the Standard CDs section. Starting minimum deposit $500. Eligible for Member Saver Reward. Effective October 1, 2026.
Rate History
No change since Oct 19, 2026 · 3.65% APY
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
600 E Lyon Rd, Midland, MI 48640 5396
Standard CD - 24 Months
$500
3.65%
▲ 0.69% above Michigan avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 0.69% above avgNationally 2.90%
Details
Eligible for Member Saver Reward
Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 2 times
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5004 Eastman Ave, Midland, MI 48640
24 Month Share Certificates and IRA Share Certificates
$0
3.60%
▲ 0.64% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.96%▲ 0.64% above avgNationally 2.90%
Details
Balance: $500 & over; Applies to Share Certificates and IRA Share Certificates
Rate History
1 change since Sep 21, 2026 · 3.30% → 3.60% ▲ 0.30 pts · high 3.60% / low 3.30%
- Oct 23, 20263.60%▲ from 3.30%
- Sep 21, 20263.30%first recorded
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5004 Eastman Ave, Midland, MI 48640
24 Month Smart Savers
$0
3.60%
▲ 0.64% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.96%▲ 0.64% above avgNationally 2.90%
Details
Balance to Earn APY: $25 & over
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.60% ▲ 0.30 pts · high 3.60% / low 3.30%
- Oct 5, 20263.60%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
600 W Wackerly St, Midland, MI 48640 4702
24 Month Certificates of Deposit
$500
3.60%
▲ 0.64% above Michigan avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 0.64% above avgNationally 2.90%
Details
Minimum opening deposit $500.00; Members under 18: $100.00 minimum balance; 0.10% APY bonus with M1 Premier Checking; early withdrawal penalty may apply
Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 2 times
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
600 W Wackerly St, Midland, MI 48640 4702
Certificate of Deposit - 24 Months
$500
3.60%
▲ 0.64% above Michigan avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 0.64% above avgNationally 2.90%
Details
Under-18 minimum balance $100.00; 0.10% APY bonus with M1 Premier Checking Account; early withdrawal penalty may apply
Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 2 times
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
109 E Main St, Midland, MI 48640
Certificate of Deposit - 24 Month
$500
3.50%
▲ 0.54% above Michigan avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.96%▲ 0.54% above avgNationally 2.90%
Details
Rates as of September 28, 2026; Automatic renewal standard
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 3 times
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
2106 N Saginaw Rd, Midland, MI 48640 2660
24 Month Share Certificate
$0
3.50%
▲ 0.54% above Michigan avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 0.54% above avgNationally 2.90%
Details
Compounded/Paid: Quarterly/Quarterly
Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 3 times
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
2106 N Saginaw Rd, Midland, MI 48640 2660
Traditional and Roth IRA Share Certificate - 24 Month
$0
3.50%
▲ 0.54% above Michigan avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 0.54% above avgNationally 2.90%
Details
Compounded/Paid: Quarterly/Quarterly
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
1000 S Saginaw Rd, Midland, MI 48640
IRA Share Certificates of Deposit - 2 year
$0
3.45%
▲ 0.49% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 0.49% above avgNationally 2.90%
Details
Early withdrawal penalty: 90 days interest for terms of 12 months or less, 180 days interest for terms greater than 1 year. Rates effective as of October 1, 2026.
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 2 times
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
1000 S Saginaw Rd, Midland, MI 48640
Share Certificates of Deposit - 2 year
$0
3.45%
▲ 0.49% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 0.49% above avgNationally 2.90%
Details
Penalty for early withdrawal: 180 days interest for terms greater than 1 year
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 7 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
401 S Saginaw Rd, Midland, MI 48640
24 Month CD-Certificate of Deposit
$0
3.35%
▲ 0.39% above Michigan avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 0.39% above avgNationally 2.90%
Details
Balance: $250,000 and up
Rate History
No change since Sep 22, 2026 · 3.35% APY · checked 7 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
401 S Saginaw Rd, Midland, MI 48640
24 Month CD-Certificate of Deposit
$0
3.31%
▲ 0.35% above Michigan avg
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 0.35% above avgNationally 2.90%
Details
Balance: $150,000 - $249,000
Rate History
No change since Sep 22, 2026 · 3.31% APY · checked 7 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
401 S Saginaw Rd, Midland, MI 48640
24 Month CD-Certificate of Deposit
$0
3.25%
▲ 0.29% above Michigan avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 0.29% above avgNationally 2.90%
Details
Balance: $100,000 - $149,000
Rate History
No change since Sep 22, 2026 · 3.25% APY · checked 7 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
401 S Saginaw Rd, Midland, MI 48640
24 Month CD-Certificate of Deposit
$0
3.20%
▲ 0.24% above Michigan avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 0.24% above avgNationally 2.90%
Details
Balance: $500 - $99,999
Rate History
No change since Sep 22, 2026 · 3.20% APY · checked 7 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
Certificate of Deposit - 24 Months
$1,000
0.03%
▼ 2.93% below Michigan avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.96%▼ 2.93% below avgNationally 2.90%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
IRA CD 24 Months
$250
0.03%
▼ 2.93% below Michigan avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.96%▼ 2.93% below avgNationally 2.90%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
Certificate of Deposit - 24 Months
$1,000
0.02%
▼ 2.94% below Michigan avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.96%▼ 2.94% below avgNationally 2.90%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
IRA CD 24 Months
$250
0.02%
▼ 2.94% below Michigan avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.96%▼ 2.94% below avgNationally 2.90%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
Certificate of Deposit - 24 Months
$1,000
0.01%
▼ 2.95% below Michigan avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.96%▼ 2.95% below avgNationally 2.90%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
IRA CD 24 Months
$250
0.01%
▼ 2.95% below Michigan avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.96%▼ 2.95% below avgNationally 2.90%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 24 Month
$2,500
4.50%
▲ 1.54% above Michigan avg
▼
Rate4.43%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.96%▲ 1.54% above avgNationally 2.90%
Details
Relationship CD; relationship defined as Direct Deposit Checking; Minimum $2500 to open
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
- 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 of Deposit
$0
4.50%
▲ 1.54% above Michigan avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 1.54% above avgNationally 2.90%
Details
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
24 Month Certificate
$500
4.50%
▲ 1.54% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 1.54% above avgNationally 2.90%
Details
Dividends compounded and credited monthly; Rates effective as of October 19, 2026
Rate History
2 changes since Sep 18, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
- Sep 29, 20264.50%▲ from 4.40%
- Sep 22, 20264.40%▲ from 4.20%
- Sep 18, 20264.20%first recorded
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Certificates of Deposit - 24 Month
$0
4.50%
▲ 1.54% above Michigan avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 1.54% above avgNationally 2.90%
Details
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
24 Month Share Certificate
$0
4.45%
▲ 1.49% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.96%▲ 1.49% above avgNationally 2.90%
Details
Special CD/Share Certificate Rates; Only new funds eligible for promotional rate. Qualifications apply.
Rate History
No change since Oct 8, 2026 · 4.45% APY · checked 2 times
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Special Share Certificates - 24 Month
$0
4.45%
▲ 1.49% above Michigan avg
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.96%▲ 1.49% above avgNationally 2.90%
Details
Dividend rate 4.36%; APY 4.45%; A penalty may be imposed for early withdrawal
Rate History
No change since Oct 15, 2026 · 4.45% APY · checked 2 times
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Certificate of Deposit - 24 Month
$0
4.40%
▲ 1.44% above Michigan avg
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.96%▲ 1.44% above avgNationally 2.90%
Details
Rate History
2 changes since Sep 18, 2026 · 4.00% → 4.40% ▲ 0.40 pts · high 4.40% / low 4.00%
- Oct 14, 20264.40%▲ from 4.30%
- Sep 24, 20264.30%▲ from 4.00%
- Sep 18, 20264.00%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Time Certificate of Deposit - 24 Month
$0
4.40%
▲ 1.44% above Michigan avg
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.96%▲ 1.44% above avgNationally 2.90%
Details
East Lansing Rates
Rate History
1 change since Oct 7, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
- Oct 14, 20264.40%▲ from 4.30%
- Oct 7, 20264.30%first recorded
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
2 year Business Share Certificates
$0
4.40%
▲ 1.44% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 1.44% above avgNationally 2.90%
Details
Balance: $1,000 to $24,999
Rate History
No change since Oct 13, 2026 · 4.40% APY · checked 2 times
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
2 year Share Certificates
$1,000
4.40%
▲ 1.44% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 1.44% above avgNationally 2.90%
Details
Balance: $1,000 to $24,999; Tier 1; Dividends compounded and paid quarterly
Rate History
No change since Oct 13, 2026 · 4.40% APY · checked 2 times
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
24-month CD
$1,000
4.35%
▲ 1.39% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.96%▲ 1.39% above avgNationally 2.90%
Details
Online Only; 30-day penalty if withdrawn before maturity
Rate History
2 changes since Sep 14, 2026 · 3.00% → 4.35% ▲ 1.35 pts · high 4.35% / low 3.00%
- Oct 20, 20264.35%▲ from 4.00%
- Sep 24, 20264.00%▲ from 3.00%
- Sep 14, 20263.00%first recorded
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
24 Month Certificate - Platinum Member Specials
$1,000
4.32%
▲ 1.36% above Michigan avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 1.36% above avgNationally 2.90%
Details
Platinum Membership rate; requires 3 of 4 services: Checking, Debit Card, Online Banking, Direct Deposit; $1,000 minimum deposit; APYs as of 9/24/2026
Rate History
No change since Oct 19, 2026 · 4.32% APY
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
24 Month IRA Certificate - Platinum Member Specials
$1,000
4.32%
▲ 1.36% above Michigan avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 1.36% above avgNationally 2.90%
Details
Platinum Membership rate; requires 3 of 4 services: Checking, Debit Card, Online Banking, Direct Deposit; $1,000 minimum deposit; APYs as of 9/24/2026
Rate History
No change since Oct 19, 2026 · 4.32% APY
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2-Year Certificate or IRA-HSA Jumbo
$0
4.30%
▲ 1.34% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.96%▲ 1.34% above avgNationally 2.90%
Details
Valid thru 10/25/2026
Rate History
1 change since Sep 18, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
- Sep 25, 20264.30%▲ from 4.15%
- Sep 18, 20264.15%first recorded
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
Jumbo Share Certificate - 24 months
$100,000
4.27%
▲ 1.31% above Michigan avg
▼
Rate4.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.96%▲ 1.31% above avgNationally 2.90%
Details
Minimum deposit of $100,000.00; Certificate specials will not renew at end of term; A penalty may be imposed for early withdrawal
Rate History
1 change since Sep 12, 2026 · 3.91% → 4.27% ▲ 0.36 pts · high 4.27% / low 3.91%
- 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 Special
$0
4.25%
▲ 1.29% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.96%▲ 1.29% above avgNationally 2.90%
Details
24-month CD/IRA Promotional Rate; Rates may vary by zip code; APY effective 9/24/2026 for a limited time; IRAs are for individuals only; substantial penalty for early withdrawal
Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
24 Month Promo CD Special
$0
4.25%
▲ 1.29% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.96%▲ 1.29% above avgNationally 2.90%
Details
APY effective 9/24/2026 for a limited time; Rates may vary by zip code; Open in Minutes
Rate History
No change since Oct 22, 2026 · 4.25% APY
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
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 1.29% above avgNationally 2.90%
Details
APY includes .25% bonus for Meijer Team members, Meijer retirees and current MCU members
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- 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
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.96%▲ 1.29% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
- 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
$2,500
4.20%
▲ 1.24% above Michigan avg
▼
Rate4.14%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.96%▲ 1.24% above avgNationally 2.90%
Details
Minimum $2500 to open
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- 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 Timed Certificate
$1,000
4.18%
▲ 1.22% above Michigan avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 1.22% above avgNationally 2.90%
Details
Rate History
No change since Oct 13, 2026 · 4.18% APY · checked 2 times
Extra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
Fixed-Rate Certificate - 24 Months
$0
4.16%
▲ 1.20% above Michigan avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 1.20% above avgNationally 2.90%
Details
Dividends paid and compounded quarterly; penalty may be imposed for early withdrawal; 10-day grace period after maturity for auto-renewing accounts
Rate History
1 change since Sep 18, 2026 · 3.65% → 4.16% ▲ 0.51 pts · high 4.16% / low 3.65%
- Oct 19, 20264.16%▲ from 3.65%
- Sep 18, 20263.65%first recorded
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
24 Month Certificate
$1,000
4.16%
▲ 1.20% above Michigan avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 1.20% above avgNationally 2.90%
Details
$1,000 minimum deposit to open and earn the stated APY; APYs as of 9/24/2026
Rate History
2 changes since Sep 18, 2026 · 3.80% → 4.16% ▲ 0.36 pts · high 4.32% / low 3.80%
- 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 Certificate
$1,000
4.16%
▲ 1.20% above Michigan avg
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 1.20% above avgNationally 2.90%
Details
$1,000 minimum deposit to open and earn the stated APY; APYs as of 9/24/2026
Rate History
2 changes since Sep 18, 2026 · 3.80% → 4.16% ▲ 0.36 pts · high 4.32% / low 3.80%
- Oct 19, 20264.16%▼ from 4.32%
- Sep 29, 20264.32%▲ from 3.80%
- Sep 18, 20263.80%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
2-Year Certificate or IRA-HSA
$0
4.15%
▲ 1.19% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.96%▲ 1.19% above avgNationally 2.90%
Details
Valid thru 10/25/2026
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Sep 25, 20264.15%▲ from 4.00%
- Sep 18, 20264.00%first recorded
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
24 MONTH CD
$50,000
4.15%
▲ 1.19% above Michigan avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 1.19% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85%
- 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 Certificates
$1,000
4.15%
▲ 1.19% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 1.19% above avgNationally 2.90%
Details
Dividends are paid monthly.
Rate History
1 change since Sep 26, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Oct 19, 20264.15%▲ from 4.00%
- Sep 26, 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
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 1.17% above avgNationally 2.90%
Details
Effective 10/01/2026
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.13% ▲ 0.26 pts · high 4.13% / low 3.87%
- Oct 9, 20264.13%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Midland 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
600 E Lyon Rd, Midland, MI 48640 5396
Simple CD - 36 Months
$500
4.40%
▲ 1.47% above Michigan avg
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 1.47% above avgNationally 2.81%
Details
Starting minimum deposit of $500; not eligible for Member Saver Reward
Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 2 times
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
600 W Wackerly St, Midland, MI 48640 4702
36 Month Certificates of Deposit
$500
3.70%
▲ 0.77% above Michigan avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 0.77% above avgNationally 2.81%
Details
Minimum opening deposit $500.00; Members under 18: $100.00 minimum balance; 0.10% APY bonus with M1 Premier Checking; early withdrawal penalty may apply
Rate History
No change since Oct 13, 2026 · 3.70% APY · checked 2 times
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
600 W Wackerly St, Midland, MI 48640 4702
Certificate of Deposit - 36 Months
$500
3.70%
▲ 0.77% above Michigan avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 0.77% above avgNationally 2.81%
Details
Under-18 minimum balance $100.00; 0.10% APY bonus with M1 Premier Checking Account; early withdrawal penalty may apply
Rate History
No change since Oct 13, 2026 · 3.70% APY · checked 2 times
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
600 E Lyon Rd, Midland, MI 48640 5396
36 Month Standard CD
$500
3.65%
▲ 0.72% above Michigan avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 0.72% above avgNationally 2.81%
Details
Source table labeled HSA CDs; values match the Standard CDs section. Starting minimum deposit $500. Eligible for Member Saver Reward. Effective October 1, 2026.
Rate History
No change since Oct 19, 2026 · 3.65% APY
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
600 E Lyon Rd, Midland, MI 48640 5396
Standard CD - 36 Months
$500
3.65%
▲ 0.72% above Michigan avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 0.72% above avgNationally 2.81%
Details
Eligible for Member Saver Reward
Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 2 times
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5004 Eastman Ave, Midland, MI 48640
36 Month Share Certificates and IRA Share Certificates
$0
3.60%
▲ 0.67% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.93%▲ 0.67% above avgNationally 2.81%
Details
Balance: $500 & over; Applies to Share Certificates and IRA Share Certificates
Rate History
1 change since Sep 21, 2026 · 3.25% → 3.60% ▲ 0.35 pts · high 3.60% / low 3.25%
- Oct 23, 20263.60%▲ from 3.25%
- Sep 21, 20263.25%first recorded
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
1000 S Saginaw Rd, Midland, MI 48640
IRA Share Certificates of Deposit - 3 year
$0
3.55%
▲ 0.62% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 0.62% above avgNationally 2.81%
Details
Early withdrawal penalty: 90 days interest for terms of 12 months or less, 180 days interest for terms greater than 1 year. Rates effective as of October 1, 2026.
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 2 times
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
1000 S Saginaw Rd, Midland, MI 48640
Share Certificates of Deposit - 3 year
$0
3.55%
▲ 0.62% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 0.62% above avgNationally 2.81%
Details
Penalty for early withdrawal: 180 days interest for terms greater than 1 year
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
401 S Saginaw Rd, Midland, MI 48640
36 Month CD-Certificate of Deposit
$0
3.50%
▲ 0.57% above Michigan avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 0.57% above avgNationally 2.81%
Details
Balance: $250,000 and up
Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 7 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
401 S Saginaw Rd, Midland, MI 48640
36 Month CD-Certificate of Deposit
$0
3.45%
▲ 0.52% above Michigan avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 0.52% above avgNationally 2.81%
Details
Balance: $150,000 - $249,000
Rate History
No change since Sep 22, 2026 · 3.45% APY · checked 7 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
401 S Saginaw Rd, Midland, MI 48640
36 Month CD-Certificate of Deposit
$0
3.40%
▲ 0.47% above Michigan avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 0.47% above avgNationally 2.81%
Details
Balance: $100,000 - $149,000
Rate History
No change since Sep 22, 2026 · 3.40% APY · checked 7 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
401 S Saginaw Rd, Midland, MI 48640
36 Month CD-Certificate of Deposit
$0
3.35%
▲ 0.42% above Michigan avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 0.42% above avgNationally 2.81%
Details
Balance: $500 - $99,999
Rate History
No change since Sep 22, 2026 · 3.35% APY · checked 7 times
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
2106 N Saginaw Rd, Midland, MI 48640 2660
36 Month Share Certificate
$0
3.25%
▲ 0.32% above Michigan avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 0.32% above avgNationally 2.81%
Details
Compounded/Paid: Quarterly/Quarterly
Rate History
No change since Sep 22, 2026 · 3.25% APY · checked 3 times
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
2106 N Saginaw Rd, Midland, MI 48640 2660
Traditional and Roth IRA Share Certificate - 36 Month
$0
3.25%
▲ 0.32% above Michigan avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 0.32% above avgNationally 2.81%
Details
Compounded/Paid: Quarterly/Quarterly
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
109 E Main St, Midland, MI 48640
Certificate of Deposit - 36 Month
$500
3.03%
▲ 0.10% above Michigan avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.93%▲ 0.10% above avgNationally 2.81%
Details
Rates as of September 28, 2026; Automatic renewal standard
Rate History
No change since Oct 14, 2026 · 3.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
Certificate of Deposit - 36 Months
$1,000
0.03%
▼ 2.90% below Michigan avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.93%▼ 2.90% below avgNationally 2.81%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
IRA CD 36 Months
$250
0.03%
▼ 2.90% below Michigan avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.93%▼ 2.90% below avgNationally 2.81%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
Certificate of Deposit - 36 Months
$1,000
0.02%
▼ 2.91% below Michigan avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.93%▼ 2.91% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
IRA CD 36 Months
$250
0.02%
▼ 2.91% below Michigan avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.93%▼ 2.91% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
Certificate of Deposit - 36 Months
$1,000
0.01%
▼ 2.92% below Michigan avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.93%▼ 2.92% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
IRA CD 36 Months
$250
0.01%
▼ 2.92% below Michigan avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.93%▼ 2.92% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
3-Year Rising Rate Certificate of Deposit
$10,000
5.00%
▲ 2.07% above Michigan avg
▼
Rate4.89%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.93%▲ 2.07% above avgNationally 2.81%
Details
Interest compounded monthly; 10-day option to withdraw at end of each one-year term; penalty for early withdrawals applies at other times; no brokered deposits
Rate History
1 change since Sep 8, 2026 · 3.97% → 5.00% ▲ 1.03 pts · high 5.00% / low 3.97%
- Sep 24, 20265.00%▲ from 3.97%
- Sep 8, 20263.97%first recorded
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
3-Year Rising Rate Certificate of Deposit
$10,000
4.75%
▲ 1.82% above Michigan avg
▼
Rate4.65%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.93%▲ 1.82% above avgNationally 2.81%
Details
Interest compounded monthly; 10-day option to withdraw at end of each one-year term; penalty for early withdrawals applies at other times; no brokered deposits
Rate History
1 change since Sep 8, 2026 · 3.71% → 4.75% ▲ 1.04 pts · high 4.75% / low 3.71%
- Sep 24, 20264.75%▲ from 3.71%
- Sep 8, 20263.71%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 36 Month
$2,500
4.60%
▲ 1.67% above Michigan avg
▼
Rate4.52%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.93%▲ 1.67% above avgNationally 2.81%
Details
Relationship CD; relationship defined as Direct Deposit Checking; Minimum $2500 to open
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
- Sep 24, 20264.60%▲ from 4.20%
- Sep 14, 20264.20%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Certificate of Deposit - 36 Month
$0
4.50%
▲ 1.57% above Michigan avg
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.93%▲ 1.57% above avgNationally 2.81%
Details
Rate History
3 changes since Sep 18, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 14, 20264.50%▲ from 4.45%
- Oct 2, 20264.45%▲ from 4.30%
- Sep 24, 20264.30%▲ from 4.00%
- Sep 18, 20264.00%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Time Certificate of Deposit - 36 Month
$0
4.50%
▲ 1.57% above Michigan avg
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.93%▲ 1.57% above avgNationally 2.81%
Details
East Lansing Rates
Rate History
1 change since Oct 7, 2026 · 4.45% → 4.50% ▲ 0.05 pts · high 4.50% / low 4.45%
- Oct 14, 20264.50%▲ from 4.45%
- Oct 7, 20264.45%first recorded
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
3-Year Rising Rate Certificate of Deposit
$10,000
4.50%
▲ 1.57% above Michigan avg
▼
Rate4.41%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.93%▲ 1.57% above avgNationally 2.81%
Details
Interest compounded monthly; 10-day option to withdraw at end of each one-year term; penalty for early withdrawals applies at other times; no brokered deposits
Rate History
1 change since Sep 8, 2026 · 3.45% → 4.50% ▲ 1.05 pts · high 4.50% / low 3.45%
- Sep 24, 20264.50%▲ from 3.45%
- Sep 8, 20263.45%first recorded
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Platinum Member Specials - 36 Month
$1,000
4.37%
▲ 1.44% above Michigan avg
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 1.44% above avgNationally 2.81%
Details
Platinum Membership rate (0.15% higher than regular); Platinum qualification requires 3 of 4 services: Checking, Debit Card, Online Banking, Direct Deposit; $1,000 minimum deposit to open and earn the stated APY; 365 day penalty for early withdrawal; APYs as of 9/24/2026
Rate History
No change since Oct 19, 2026 · 4.37% APY
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Platinum Member Specials IRA - 36 Month
$1,000
4.37%
▲ 1.44% above Michigan avg
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 1.44% above avgNationally 2.81%
Details
IRA certificate; Platinum Membership rate (0.15% higher than regular); Platinum qualification requires 3 of 4 services: Checking, Debit Card, Online Banking, Direct Deposit; $1,000 minimum deposit to open and earn the stated APY; 365 day penalty for early withdrawal; APYs as of 9/24/2026
Rate History
No change since Oct 19, 2026 · 4.37% APY
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
3-Year Certificate or IRA-HSA Jumbo
$0
4.35%
▲ 1.42% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.93%▲ 1.42% above avgNationally 2.81%
Details
Valid thru 10/25/2026
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
- Sep 25, 20264.35%▲ from 4.00%
- Sep 18, 20264.00%first recorded
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
Jumbo Share Certificate - 36 months
$100,000
4.32%
▲ 1.39% above Michigan avg
▼
Rate4.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.93%▲ 1.39% above avgNationally 2.81%
Details
Minimum deposit of $100,000.00; Certificate specials will not renew at end of term; A penalty may be imposed for early withdrawal
Rate History
1 change since Sep 12, 2026 · 3.96% → 4.32% ▲ 0.36 pts · high 4.32% / low 3.96%
- Oct 4, 20264.32%▲ from 3.96%
- Sep 12, 20263.96%first recorded
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
36 Month IRA Certificate
$0
4.30%
▲ 1.37% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.93%▲ 1.37% above avgNationally 2.81%
Details
IRA - Individual accounts only
Rate History
No change since Sep 16, 2026 · 4.30% APY · checked 6 times
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
Certificate - 36 Months
$500
4.30%
▲ 1.37% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.93%▲ 1.37% above avgNationally 2.81%
Details
Substantial penalty for early withdrawals
Rate History
No change since Sep 16, 2026 · 4.30% APY · checked 7 times
Extra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
Fixed-Rate Certificate - 36 Months
$0
4.27%
▲ 1.34% above Michigan avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 1.34% above avgNationally 2.81%
Details
Dividends paid and compounded quarterly; penalty may be imposed for early withdrawal; 10-day grace period after maturity for auto-renewing accounts
Rate History
1 change since Sep 18, 2026 · 3.80% → 4.27% ▲ 0.47 pts · high 4.27% / low 3.80%
- Oct 19, 20264.27%▲ from 3.80%
- Sep 18, 20263.80%first recorded
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
36 Month CD
$500
4.25%
▲ 1.32% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.93%▲ 1.32% above avgNationally 2.81%
Details
APY compounded quarterly; A penalty may be imposed for early withdrawal
Rate History
1 change since Sep 19, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
- Oct 14, 20264.25%▲ from 3.85%
- Sep 19, 20263.85%first recorded
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
Share Certificate - 36 Month
$0
4.25%
▲ 1.32% above Michigan avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.93%▲ 1.32% above avgNationally 2.81%
Details
Rates effective October 1, 2026
Rate History
No change since Sep 12, 2026 · 4.25% APY · checked 2 times
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
36 Month Timed Certificate
$1,000
4.23%
▲ 1.30% above Michigan avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 1.30% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 4.23% APY · checked 2 times
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
36 Month Certificate
$1,000
4.22%
▲ 1.29% above Michigan avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 1.29% above avgNationally 2.81%
Details
$1,000 minimum deposit to open and earn the stated APY; APYs as of 9/24/2026
Rate History
2 changes since Sep 18, 2026 · 3.91% → 4.22% ▲ 0.31 pts · high 4.37% / low 3.91%
- 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 Certificate
$1,000
4.22%
▲ 1.29% above Michigan avg
▼
Rate4.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 1.29% above avgNationally 2.81%
Details
$1,000 minimum deposit to open and earn the stated APY; APYs as of 9/24/2026
Rate History
2 changes since Sep 18, 2026 · 3.91% → 4.22% ▲ 0.31 pts · high 4.37% / low 3.91%
- Oct 19, 20264.22%▼ from 4.37%
- Sep 29, 20264.37%▲ from 3.91%
- Sep 18, 20263.91%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
3-Year Certificate or IRA-HSA
$0
4.20%
▲ 1.27% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.93%▲ 1.27% above avgNationally 2.81%
Details
Valid thru 10/25/2026
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Sep 25, 20264.20%▲ from 3.85%
- Sep 18, 20263.85%first recorded
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
36 MONTH CD
$50,000
4.20%
▲ 1.27% above Michigan avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 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%
- 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
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 1.25% above avgNationally 2.81%
Details
Effective 10/01/2026
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.18% ▲ 0.31 pts · high 4.18% / low 3.87%
- 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 Certificates
$1,000
4.15%
▲ 1.22% above Michigan avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 1.22% above avgNationally 2.81%
Details
Dividends are paid monthly.
Rate History
1 change since Sep 26, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Oct 19, 20264.15%▲ from 4.00%
- Sep 26, 20264.00%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo and Jumbo IRA Certificates - 3 Years
$0
4.13%
▲ 1.20% above Michigan avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 1.20% above avgNationally 2.81%
Details
Balance: $100,000 and over; Penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 4.06% → 4.13% ▲ 0.07 pts · high 4.13% / low 4.06%
- Oct 14, 20264.13%▲ from 4.06%
- Sep 14, 20264.06%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo Certificate - 3 Years
$100,000
4.13%
▲ 1.20% above Michigan avg
▼
Rate4.07%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 1.20% above avgNationally 2.81%
Details
Minimum balance $100,000 to open and earn APY; penalty for early withdrawal
Rate History
No change since Oct 19, 2026 · 4.13% APY
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
CD - 36 Month
$2,500
4.10%
▲ 1.17% above Michigan avg
▼
Rate4.04%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.93%▲ 1.17% above avgNationally 2.81%
Details
Minimum $2500 to open
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
- 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
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 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%
- 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 Term Certificate
$500
4.08%
▲ 1.15% above Michigan avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 1.15% above avgNationally 2.81%
Details
Penalty for early withdrawal
Rate History
No change since Oct 10, 2026 · 4.08% APY · checked 2 times
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
IRA Certificate - 3 Years
$500
4.08%
▲ 1.15% above Michigan avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 1.15% above avgNationally 2.81%
Details
$500 minimum balance to open and earn APY; Penalty for early withdrawal; Source caption reads IRA Certificates but rows sit under Term Certificates $500 and Above heading
Rate History
1 change since Sep 18, 2026 · 4.01% → 4.08% ▲ 0.07 pts · high 4.08% / low 4.01%
- 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%
Term Certificate - 3 Years
$500
4.08%
▲ 1.15% above Michigan avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 1.15% above avgNationally 2.81%
Details
Term Certificates $500 and Above; Penalty for early withdrawal
Rate History
2 changes since Sep 14, 2026 · 4.01% → 4.08% ▲ 0.07 pts · high 4.08% / low 4.01%
- Oct 10, 20264.08%▲ from 4.06%
- Oct 1, 20264.06%▲ from 4.01%
- Sep 14, 20264.01%first recorded
Midland 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
600 E Lyon Rd, Midland, MI 48640 5396
Simple CD - 48 Months
$500
4.40%
▲ 1.39% above Michigan avg
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 1.39% above avgNationally 2.81%
Details
Starting minimum deposit of $500; not eligible for Member Saver Reward
Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 2 times
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
600 W Wackerly St, Midland, MI 48640 4702
48 Month Certificates of Deposit
$500
3.75%
▲ 0.74% above Michigan avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 0.74% above avgNationally 2.81%
Details
Minimum opening deposit $500.00; Members under 18: $100.00 minimum balance; 0.10% APY bonus with M1 Premier Checking; early withdrawal penalty may apply
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
600 W Wackerly St, Midland, MI 48640 4702
Certificate of Deposit - 48 Months
$500
3.75%
▲ 0.74% above Michigan avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 0.74% above avgNationally 2.81%
Details
Under-18 minimum balance $100.00; 0.10% APY bonus with M1 Premier Checking Account; early withdrawal penalty may apply
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
600 E Lyon Rd, Midland, MI 48640 5396
48 Month Bump Rate CD
$500
3.65%
▲ 0.64% above Michigan avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 0.64% above avgNationally 2.81%
Details
Source table labeled HSA CDs; 48-month values match the Bump Rate CDs section. Bump rate feature: one rate bump allowed if rates increase during term. Starting minimum deposit $500. Eligible for Member Saver Reward. Effective October 1, 2026.
Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 2 times
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5004 Eastman Ave, Midland, MI 48640
48 Month Share Certificates and IRA Share Certificates
$0
3.60%
▲ 0.59% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.01%▲ 0.59% above avgNationally 2.81%
Details
Balance: $500 & over; Applies to Share Certificates and IRA Share Certificates
Rate History
1 change since Sep 21, 2026 · 3.25% → 3.60% ▲ 0.35 pts · high 3.60% / low 3.25%
- Oct 23, 20263.60%▲ from 3.25%
- Sep 21, 20263.25%first recorded
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
1000 S Saginaw Rd, Midland, MI 48640
IRA Share Certificates of Deposit - 4 year
$0
3.60%
▲ 0.59% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 0.59% above avgNationally 2.81%
Details
Early withdrawal penalty: 90 days interest for terms of 12 months or less, 180 days interest for terms greater than 1 year. Rates effective as of October 1, 2026.
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 2 times
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
1000 S Saginaw Rd, Midland, MI 48640
Share Certificates of Deposit - 4 year
$0
3.60%
▲ 0.59% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 0.59% above avgNationally 2.81%
Details
Penalty for early withdrawal: 180 days interest for terms greater than 1 year
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
401 S Saginaw Rd, Midland, MI 48640
48 Month CD-Certificate of Deposit
$0
3.55%
▲ 0.54% above Michigan avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 0.54% above avgNationally 2.81%
Details
Balance: $250,000 and up
Rate History
No change since Sep 22, 2026 · 3.55% APY · checked 7 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
401 S Saginaw Rd, Midland, MI 48640
48 Month CD-Certificate of Deposit
$0
3.50%
▲ 0.49% above Michigan avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 0.49% above avgNationally 2.81%
Details
Balance: $150,000 - $249,000
Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 7 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
401 S Saginaw Rd, Midland, MI 48640
48 Month CD-Certificate of Deposit
$0
3.45%
▲ 0.44% above Michigan avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 0.44% above avgNationally 2.81%
Details
Balance: $100,000 - $149,000
Rate History
No change since Sep 22, 2026 · 3.45% APY · checked 7 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
401 S Saginaw Rd, Midland, MI 48640
48 Month CD-Certificate of Deposit
$0
3.40%
▲ 0.39% above Michigan avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 0.39% above avgNationally 2.81%
Details
Balance: $500 - $99,999
Rate History
No change since Sep 22, 2026 · 3.40% APY · checked 7 times
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
2106 N Saginaw Rd, Midland, MI 48640 2660
48 Month Share Certificate
$0
3.25%
▲ 0.24% above Michigan avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 0.24% above avgNationally 2.81%
Details
Compounded/Paid: Quarterly/Quarterly
Rate History
No change since Sep 22, 2026 · 3.25% APY · checked 3 times
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
2106 N Saginaw Rd, Midland, MI 48640 2660
Traditional and Roth IRA Share Certificate - 48 Month
$0
3.25%
▲ 0.24% above Michigan avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 0.24% above avgNationally 2.81%
Details
Compounded/Paid: Quarterly/Quarterly
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
109 E Main St, Midland, MI 48640
Certificate of Deposit - 48 Month
$500
3.03%
▲ 0.02% above Michigan avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.01%▲ 0.02% above avgNationally 2.81%
Details
Rates as of September 28, 2026; Automatic renewal standard
Rate History
No change since Oct 14, 2026 · 3.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
Certificate of Deposit - 48 Months
$1,000
0.03%
▼ 2.98% below Michigan avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.01%▼ 2.98% below avgNationally 2.81%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
IRA CD 48 Months
$250
0.03%
▼ 2.98% below Michigan avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.01%▼ 2.98% below avgNationally 2.81%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
Certificate of Deposit - 48 Months
$1,000
0.02%
▼ 2.99% below Michigan avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.01%▼ 2.99% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
IRA CD 48 Months
$250
0.02%
▼ 2.99% below Michigan avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.01%▼ 2.99% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
Certificate of Deposit - 48 Months
$1,000
0.01%
▼ 3.00% below Michigan avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.01%▼ 3.00% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
IRA CD 48 Months
$250
0.01%
▼ 3.00% below Michigan avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.01%▼ 3.00% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 48 Month
$2,500
4.70%
▲ 1.69% above Michigan avg
▼
Rate4.62%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.01%▲ 1.69% above avgNationally 2.81%
Details
Relationship CD; relationship defined as Direct Deposit Checking; Minimum $2500 to open
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.70% ▲ 0.45 pts · high 4.70% / low 4.25%
- Sep 24, 20264.70%▲ from 4.25%
- Sep 14, 20264.25%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Certificate of Deposit - 48 Month
$0
4.50%
▲ 1.49% above Michigan avg
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.01%▲ 1.49% above avgNationally 2.81%
Details
Rate History
3 changes since Sep 18, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
- Oct 14, 20264.50%▲ from 4.45%
- Oct 2, 20264.45%▲ from 4.30%
- Sep 24, 20264.30%▲ from 4.20%
- Sep 18, 20264.20%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Time Certificate of Deposit - 48 Month
$0
4.50%
▲ 1.49% above Michigan avg
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.01%▲ 1.49% above avgNationally 2.81%
Details
East Lansing Rates
Rate History
1 change since Oct 7, 2026 · 4.45% → 4.50% ▲ 0.05 pts · high 4.50% / low 4.45%
- Oct 14, 20264.50%▲ from 4.45%
- Oct 7, 20264.45%first recorded
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
Share Certificate - 48 Month
$0
4.50%
▲ 1.49% above Michigan avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.01%▲ 1.49% above avgNationally 2.81%
Details
Rates effective October 1, 2026
Rate History
No change since Sep 12, 2026 · 4.50% APY · checked 2 times
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Platinum Member Specials - 48 Month
$1,000
4.42%
▲ 1.41% above Michigan avg
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 1.41% above avgNationally 2.81%
Details
Platinum Membership rate (0.15% higher than regular); Platinum qualification requires 3 of 4 services: Checking, Debit Card, Online Banking, Direct Deposit; $1,000 minimum deposit to open and earn the stated APY; 365 day penalty for early withdrawal; APYs as of 9/24/2026
Rate History
No change since Oct 19, 2026 · 4.42% APY
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Platinum Member Specials IRA - 48 Month
$1,000
4.42%
▲ 1.41% above Michigan avg
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 1.41% above avgNationally 2.81%
Details
IRA certificate; Platinum Membership rate (0.15% higher than regular); Platinum qualification requires 3 of 4 services: Checking, Debit Card, Online Banking, Direct Deposit; $1,000 minimum deposit to open and earn the stated APY; 365 day penalty for early withdrawal; APYs as of 9/24/2026
Rate History
No change since Oct 19, 2026 · 4.42% APY
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
Jumbo Share Certificate - 48 months
$100,000
4.37%
▲ 1.36% above Michigan avg
▼
Rate4.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.01%▲ 1.36% above avgNationally 2.81%
Details
Minimum deposit of $100,000.00; Certificate specials will not renew at end of term; A penalty may be imposed for early withdrawal
Rate History
1 change since Sep 12, 2026 · 4.06% → 4.37% ▲ 0.31 pts · high 4.37% / low 4.06%
- Oct 4, 20264.37%▲ from 4.06%
- Sep 12, 20264.06%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
4-Year Certificate or IRA-HSA Jumbo
$0
4.35%
▲ 1.34% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.01%▲ 1.34% above avgNationally 2.81%
Details
Valid thru 10/25/2026
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
- Sep 25, 20264.35%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
48 Month CD
$500
4.30%
▲ 1.29% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.01%▲ 1.29% above avgNationally 2.81%
Details
APY compounded quarterly; A penalty may be imposed for early withdrawal
Rate History
1 change since Sep 19, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
- Oct 14, 20264.30%▲ from 3.90%
- Sep 19, 20263.90%first recorded
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
48 Month Timed Certificate
$1,000
4.28%
▲ 1.27% above Michigan avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 1.27% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 4.28% APY · checked 2 times
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
48 Month Certificate
$1,000
4.27%
▲ 1.26% above Michigan avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 1.26% above avgNationally 2.81%
Details
$1,000 minimum deposit to open and earn the stated APY; APYs as of 9/24/2026
Rate History
2 changes since Sep 18, 2026 · 4.01% → 4.27% ▲ 0.26 pts · high 4.42% / low 4.01%
- Oct 9, 20264.27%▼ from 4.42%
- Sep 29, 20264.42%▲ from 4.01%
- Sep 18, 20264.01%first recorded
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
48 Month IRA Certificate
$1,000
4.27%
▲ 1.26% above Michigan avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 1.26% above avgNationally 2.81%
Details
$1,000 minimum deposit to open and earn the stated APY; APYs as of 9/24/2026
Rate History
2 changes since Sep 18, 2026 · 4.01% → 4.27% ▲ 0.26 pts · high 4.42% / low 4.01%
- Oct 19, 20264.27%▼ from 4.42%
- Sep 29, 20264.42%▲ from 4.01%
- Sep 18, 20264.01%first recorded
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
48 MONTH CD
$50,000
4.25%
▲ 1.24% above Michigan avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 1.24% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
- Oct 9, 20264.25%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
CD - 48 Month
$2,500
4.20%
▲ 1.19% above Michigan avg
▼
Rate4.14%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.01%▲ 1.19% above avgNationally 2.81%
Details
Minimum $2500 to open
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
- Sep 24, 20264.20%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
4-Year Certificate or IRA-HSA
$0
4.20%
▲ 1.19% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.01%▲ 1.19% above avgNationally 2.81%
Details
Valid thru 10/25/2026
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Sep 25, 20264.20%▲ from 3.85%
- Sep 18, 20263.85%first recorded
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
48 Month IRA Certificate
$0
4.15%
▲ 1.14% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.01%▲ 1.14% above avgNationally 2.81%
Details
IRA - Individual accounts only
Rate History
No change since Sep 16, 2026 · 4.15% APY · checked 6 times
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
Certificate - 48 Months
$500
4.15%
▲ 1.14% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.01%▲ 1.14% above avgNationally 2.81%
Details
Substantial penalty for early withdrawals
Rate History
No change since Sep 16, 2026 · 4.15% APY · checked 7 times
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
48 MONTH CD
$500
4.15%
▲ 1.14% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 1.14% 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%
- 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%
Jumbo and Jumbo IRA Certificates - 4 Years
$0
4.13%
▲ 1.12% above Michigan avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 1.12% above avgNationally 2.81%
Details
Balance: $100,000 and over; Penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 4.09% → 4.13% ▲ 0.04 pts · high 4.13% / low 4.09%
- Oct 14, 20264.13%▲ from 4.09%
- Sep 14, 20264.09%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
Jumbo Certificate - 4 Years
$100,000
4.13%
▲ 1.12% above Michigan avg
▼
Rate4.07%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 1.12% above avgNationally 2.81%
Details
Minimum balance $100,000 to open and earn APY; penalty for early withdrawal
Rate History
No change since Oct 19, 2026 · 4.13% APY
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
48 month CD
$500
4.10%
▲ 1.09% above Michigan avg
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 1.09% above avgNationally 2.81%
Details
Effective Date: October 1, 2026; Early withdrawal penalty: 180-days loss of interest
Rate History
1 change since Sep 14, 2026 · 3.40% → 4.10% ▲ 0.70 pts · high 4.10% / low 3.40%
- Oct 19, 20264.10%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
4 Year Term Certificate
$500
4.08%
▲ 1.07% above Michigan avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 1.07% above avgNationally 2.81%
Details
Penalty for early withdrawal
Rate History
No change since Oct 10, 2026 · 4.08% APY · checked 2 times
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
IRA Certificate - 4 Years
$500
4.08%
▲ 1.07% above Michigan avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 1.07% above avgNationally 2.81%
Details
$500 minimum balance to open and earn APY; Penalty for early withdrawal; Source caption reads IRA Certificates but rows sit under Term Certificates $500 and Above heading
Rate History
1 change since Sep 18, 2026 · 4.04% → 4.08% ▲ 0.04 pts · high 4.08% / low 4.04%
- 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%
Term Certificate - 4 Years
$500
4.08%
▲ 1.07% above Michigan avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 1.07% above avgNationally 2.81%
Details
Term Certificates $500 and Above; Penalty for early withdrawal
Rate History
2 changes since Sep 14, 2026 · 4.04% → 4.08% ▲ 0.04 pts · high 4.09% / low 4.04%
- 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
$500
4.06%
▲ 1.05% above Michigan avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.01%▲ 1.05% above avgNationally 2.81%
Details
Minimum deposit of $500.00; Certificate specials will not renew at end of term; Limited time offer; penalty may be imposed for early withdrawal
Rate History
1 change since Sep 12, 2026 · 3.75% → 4.06% ▲ 0.31 pts · high 4.06% / low 3.75%
- 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%
48 Month Certificate of Deposit
$500
4.00%
▲ 0.99% above Michigan avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 0.99% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Michigan One Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
48 Month Regular CD
$500
4.00%
▲ 0.99% above Michigan avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 0.99% 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%
- 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%
Certificate of Deposit - 4 Year
$0
3.92%
▲ 0.91% above Michigan avg
▼
Rate3.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Michigan Average3.01%▲ 0.91% above avgNationally 2.81%
Details
Balance: $500 - $49,999.99
Rate History
No change since Sep 24, 2026 · 3.92% APY · checked 6 times
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
48 Month Certificate
$500
3.92%
▲ 0.91% above Michigan avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 0.91% above avgNationally 2.81%
Details
Effective 10/01/2026
Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 8 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month Jumbo Share Certificate - DDEP Bonus
$100,000
3.90%
▲ 0.89% above Michigan avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.01%▲ 0.89% above avgNationally 2.81%
Details
JUMBO certificate; DDEP bonus: requires DDEP of $1,000.00 or more monthly; applied upfront after account opening
Rate History
No change since Oct 20, 2026 · 3.90% APY
Midland 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
600 E Lyon Rd, Midland, MI 48640 5396
3-60 Month Simple CDs
$500
4.50%
▲ 1.46% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.46% above avgNationally 2.92%
Details
As high as; Starting minimum deposit is $500; APY assumes interest payouts remain in certificate until maturity; Rate effective 10/01/2026; early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 2 times
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
600 E Lyon Rd, Midland, MI 48640 5396
Simple CD - 60 Months
$500
4.40%
▲ 1.36% above Michigan avg
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.36% above avgNationally 2.92%
Details
Starting minimum deposit of $500; not eligible for Member Saver Reward
Rate History
No change since Oct 14, 2026 · 4.40% APY · checked 2 times
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
100 Joseph Dr, Midland, MI 48642
60 Month Business Jumbo Certificates
$0
4.07%
▲ 1.03% above Michigan avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.03% above avgNationally 2.92%
Details
Effective Date: 10/18/2026; Dividends compounded & credited monthly; Penalty for early withdrawal
Rate History
No change since Oct 19, 2026 · 4.07% APY
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
100 Joseph Dr, Midland, MI 48642
60 Month HSA Jumbo Certificates
$0
4.07%
▲ 1.03% above Michigan avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.03% above avgNationally 2.92%
Details
Effective Date: 10/18/2026; Dividends compounded & credited monthly; Penalty for early withdrawal; Jumbo HSA Certificates
Rate History
No change since Oct 19, 2026 · 4.07% APY
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
100 Joseph Dr, Midland, MI 48642
60 Month Jumbo Certificates
$0
4.07%
▲ 1.03% above Michigan avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.03% above avgNationally 2.92%
Details
Effective 10/18/2026; $100,000 minimum balance; dividends compounded & credited monthly; penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 8 times
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
100 Joseph Dr, Midland, MI 48642
Jumbo Certificates - 60 months
$0
4.07%
▲ 1.03% above Michigan avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.03% above avgNationally 2.92%
Details
Effective Date: 10/18/2026; Dividends compounded & credited monthly; Penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 2 times
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
600 W Wackerly St, Midland, MI 48640 4702
60 Month Certificates of Deposit
$500
3.75%
▲ 0.71% above Michigan avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.71% above avgNationally 2.92%
Details
Minimum opening deposit $500.00; Members under 18: $100.00 minimum balance; 0.10% APY bonus with M1 Premier Checking; early withdrawal penalty may apply
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
Members First Credit Union Midland, MI
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
600 W Wackerly St, Midland, MI 48640 4702
Certificate of Deposit - 60 Months
$500
3.75%
▲ 0.71% above Michigan avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.71% above avgNationally 2.92%
Details
Under-18 minimum balance $100.00; 0.10% APY bonus with M1 Premier Checking Account; early withdrawal penalty may apply
Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
401 S Saginaw Rd, Midland, MI 48640
60 Month CD-Certificate of Deposit
$0
3.70%
▲ 0.66% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.66% above avgNationally 2.92%
Details
Balance: $250,000 and up
Rate History
No change since Sep 22, 2026 · 3.70% APY · checked 7 times
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
5004 Eastman Ave, Midland, MI 48640
60 Month Share Certificates and IRA Share Certificates
$0
3.65%
▲ 0.61% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.04%▲ 0.61% above avgNationally 2.92%
Details
Balance: $500 & over; Applies to Share Certificates and IRA Share Certificates
Rate History
1 change since Sep 21, 2026 · 3.15% → 3.65% ▲ 0.50 pts · high 3.65% / low 3.15%
- Oct 23, 20263.65%▲ from 3.15%
- Sep 21, 20263.15%first recorded
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
1000 S Saginaw Rd, Midland, MI 48640
IRA Share Certificates of Deposit - 5 year
$0
3.65%
▲ 0.61% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.61% above avgNationally 2.92%
Details
Early withdrawal penalty: 90 days interest for terms of 12 months or less, 180 days interest for terms greater than 1 year. Rates effective as of October 1, 2026.
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 2 times
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
1000 S Saginaw Rd, Midland, MI 48640
Share Certificates of Deposit - 5 year
$0
3.65%
▲ 0.61% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.61% above avgNationally 2.92%
Details
Penalty for early withdrawal: 180 days interest for terms greater than 1 year
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
401 S Saginaw Rd, Midland, MI 48640
60 Month CD-Certificate of Deposit
$0
3.65%
▲ 0.61% above Michigan avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.61% above avgNationally 2.92%
Details
Balance: $150,000 - $249,000
Rate History
No change since Sep 22, 2026 · 3.65% APY · checked 7 times
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
600 E Lyon Rd, Midland, MI 48640 5396
60 Month Bump Rate CD
$500
3.65%
▲ 0.61% above Michigan avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.61% above avgNationally 2.92%
Details
Bump rate feature: one rate bump allowed during term if rates increase; Eligible for Member Saver Reward; Effective October 1, 2026
Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 2 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
401 S Saginaw Rd, Midland, MI 48640
60 Month CD-Certificate of Deposit
$0
3.60%
▲ 0.56% above Michigan avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.56% above avgNationally 2.92%
Details
Balance: $100,000 - $149,000
Rate History
No change since Sep 22, 2026 · 3.60% APY · checked 7 times
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
100 Joseph Dr, Midland, MI 48642
60 Month Business Certificates
$500
3.55%
▲ 0.51% above Michigan avg
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.51% above avgNationally 2.92%
Details
Effective Date: 10/18/2026; Dividends compounded & credited monthly; penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
100 Joseph Dr, Midland, MI 48642
60 Month Certificates
$500
3.55%
▲ 0.51% above Michigan avg
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.51% above avgNationally 2.92%
Details
Effective Date: 10/18/2026; Penalty for early withdrawal; Dividends compounded & credited monthly
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
100 Joseph Dr, Midland, MI 48642
60 Month HSA Certificates
$500
3.55%
▲ 0.51% above Michigan avg
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.51% above avgNationally 2.92%
Details
Dividends compounded & credited monthly; penalty for early withdrawal; HSA Certificates
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.18%
401 S Saginaw Rd, Midland, MI 48640
60 Month CD-Certificate of Deposit
$0
3.55%
▲ 0.51% above Michigan avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.51% above avgNationally 2.92%
Details
Balance: $500 - $99,999
Rate History
No change since Sep 22, 2026 · 3.55% APY · checked 7 times
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
1000 S Saginaw Rd, Midland, MI 48640
IRA Share Certificates of Deposit - 2.5 year
$0
3.50%
▲ 0.46% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.46% above avgNationally 2.92%
Details
Early withdrawal penalty: 90 days interest for terms of 12 months or less, 180 days interest for terms greater than 1 year. Rates effective as of October 1, 2026.
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 2 times
Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
1000 S Saginaw Rd, Midland, MI 48640
Share Certificates of Deposit - 2.5 year
$0
3.50%
▲ 0.46% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.46% above avgNationally 2.92%
Details
Penalty for early withdrawal: 180 days interest for terms greater than 1 year
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 2 times
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
2106 N Saginaw Rd, Midland, MI 48640 2660
60 Month Share Certificate
$0
3.25%
▲ 0.21% above Michigan avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.21% above avgNationally 2.92%
Details
Compounded/Paid: Quarterly/Quarterly
Rate History
No change since Sep 22, 2026 · 3.25% APY · checked 3 times
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
2106 N Saginaw Rd, Midland, MI 48640 2660
Traditional and Roth IRA Share Certificate - 60 Month
$0
3.25%
▲ 0.21% above Michigan avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.21% above avgNationally 2.92%
Details
Compounded/Paid: Quarterly/Quarterly
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
109 E Main St, Midland, MI 48640
Certificate of Deposit - 60 Month
$500
3.03%
▼ 0.01% below Michigan avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▼ 0.01% below avgNationally 2.92%
Details
Rates as of September 28, 2026; Automatic renewal standard
Rate History
No change since Oct 14, 2026 · 3.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
Certificate of Deposit - 60 Months
$1,000
0.03%
▼ 3.01% below Michigan avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▼ 3.01% below avgNationally 2.92%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
IRA CD 60 Months
$250
0.03%
▼ 3.01% below Michigan avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▼ 3.01% below avgNationally 2.92%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
Certificate of Deposit - 60 Months
$1,000
0.02%
▼ 3.02% below Michigan avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▼ 3.02% below avgNationally 2.92%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
IRA CD 60 Months
$250
0.02%
▼ 3.02% below Michigan avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▼ 3.02% below avgNationally 2.92%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
Certificate of Deposit - 60 Months
$1,000
0.01%
▼ 3.03% below Michigan avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▼ 3.03% below avgNationally 2.92%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
5200 Eastman Ave, Midland, MI 48640
IRA CD 60 Months
$250
0.01%
▼ 3.03% below Michigan avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▼ 3.03% below avgNationally 2.92%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
Michigan One Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
60 Month Minor CD Special
$100
5.12%
▲ 2.08% above Michigan avg
▼
Rate5.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 2.08% above avgNationally 2.92%
Details
Minor CD Special, for minors; $100 minimum, $5,000 maximum
Rate History
No change since Sep 18, 2026 · 5.12% APY · checked 3 times
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 60 Month
$2,500
4.75%
▲ 1.71% above Michigan avg
▼
Rate4.67%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▲ 1.71% above avgNationally 2.92%
Details
Relationship CD; relationship defined as Direct Deposit Checking; Minimum $2500 to open
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
- Sep 24, 20264.75%▲ from 4.35%
- Sep 14, 20264.35%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Certificate of Deposit - 60 Month
$0
4.60%
▲ 1.56% above Michigan avg
▼
Rate4.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▲ 1.56% above avgNationally 2.92%
Details
Rate History
3 changes since Sep 18, 2026 · 4.20% → 4.60% ▲ 0.40 pts · high 4.60% / low 4.20%
- Oct 14, 20264.60%▲ from 4.50%
- Oct 2, 20264.50%▲ from 4.30%
- Sep 24, 20264.30%▲ from 4.20%
- Sep 18, 20264.20%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Time Certificate of Deposit - 60 Month
$0
4.60%
▲ 1.56% above Michigan avg
▼
Rate4.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▲ 1.56% above avgNationally 2.92%
Details
East Lansing Rates
Rate History
1 change since Oct 7, 2026 · 4.50% → 4.60% ▲ 0.10 pts · high 4.60% / low 4.50%
- Oct 14, 20264.60%▲ from 4.50%
- Oct 7, 20264.50%first recorded
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
Share Certificate - 60 Month
$0
4.50%
▲ 1.46% above Michigan avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.04%▲ 1.46% above avgNationally 2.92%
Details
Rates effective October 1, 2026
Rate History
No change since Sep 12, 2026 · 4.50% APY · checked 2 times
Advia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
3 - 60 Month Regular CD
$500
4.50%
▲ 1.46% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▲ 1.46% above avgNationally 2.92%
Details
Standard rates as high as 4.50% APY; flexible 3 to 60-month terms; federally insured by NCUA up to $250,000 per depositor
Rate History
No change since Oct 22, 2026 · 4.50% APY
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Platinum Member Specials - 60 Month
$1,000
4.47%
▲ 1.43% above Michigan avg
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.43% above avgNationally 2.92%
Details
Platinum Membership rate (0.15% higher than regular); Platinum qualification requires 3 of 4 services: Checking, Debit Card, Online Banking, Direct Deposit; $1,000 minimum deposit to open and earn the stated APY; 365 day penalty for early withdrawal; APYs as of 9/24/2026
Rate History
No change since Oct 19, 2026 · 4.47% APY
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Platinum Member Specials IRA - 60 Month
$1,000
4.47%
▲ 1.43% above Michigan avg
▼
Rate4.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.43% above avgNationally 2.92%
Details
IRA certificate; Platinum Membership rate (0.15% higher than regular); Platinum qualification requires 3 of 4 services: Checking, Debit Card, Online Banking, Direct Deposit; $1,000 minimum deposit to open and earn the stated APY; 365 day penalty for early withdrawal; APYs as of 9/24/2026
Rate History
No change since Oct 19, 2026 · 4.47% APY
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
Jumbo Share Certificate - 60 month
$100,000
4.42%
▲ 1.38% above Michigan avg
▼
Rate4.35%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.04%▲ 1.38% above avgNationally 2.92%
Details
Minimum deposit of $100,000.00; Certificate specials will not renew at end of term; A penalty may be imposed for early withdrawal
Rate History
1 change since Sep 12, 2026 · 4.11% → 4.42% ▲ 0.31 pts · high 4.42% / low 4.11%
- Oct 4, 20264.42%▲ from 4.11%
- Sep 12, 20264.11%first recorded
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
5-Year Certificate or IRA-HSA Jumbo
$0
4.40%
▲ 1.36% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.04%▲ 1.36% above avgNationally 2.92%
Details
Valid thru 10/25/2026
Rate History
1 change since Sep 18, 2026 · 4.05% → 4.40% ▲ 0.35 pts · high 4.40% / low 4.05%
- Sep 25, 20264.40%▲ from 4.05%
- Sep 18, 20264.05%first recorded
Extra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
Fixed-Rate Certificate - 60 Months
$0
4.37%
▲ 1.33% above Michigan avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.33% above avgNationally 2.92%
Details
Dividends paid and compounded quarterly; penalty may be imposed for early withdrawal; 10-day grace period after maturity for auto-renewing accounts
Rate History
1 change since Sep 18, 2026 · 4.06% → 4.37% ▲ 0.31 pts · high 4.37% / low 4.06%
- Oct 19, 20264.37%▲ from 4.06%
- Sep 18, 20264.06%first recorded
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
60 month CD
$500
4.35%
▲ 1.31% above Michigan avg
▼
Rate4.28%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.31% above avgNationally 2.92%
Details
Effective Date: October 1, 2026; Early withdrawal penalty: 180-days loss of interest
Rate History
1 change since Sep 14, 2026 · 3.40% → 4.35% ▲ 0.95 pts · high 4.35% / low 3.40%
- Oct 19, 20264.35%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
60-Month CD
$500
4.35%
▲ 1.31% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.31% above avgNationally 2.92%
Details
Advertised as high as 4.35% APY on the homepage card; Choose your term: 6 to 60 months; Early withdrawal penalty 180-days loss of interest
Rate History
No change since Oct 9, 2026 · 4.35% APY · checked 2 times
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
60 Month Timed Certificate
$1,000
4.33%
▲ 1.29% above Michigan avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.29% above avgNationally 2.92%
Details
Rate History
No change since Oct 13, 2026 · 4.33% APY · checked 2 times
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
60 Month Certificate
$1,000
4.32%
▲ 1.28% above Michigan avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.28% above avgNationally 2.92%
Details
$1,000 minimum deposit to open and earn the stated APY; APYs as of 9/24/2026
Rate History
2 changes since Sep 18, 2026 · 4.11% → 4.32% ▲ 0.21 pts · high 4.47% / low 4.11%
- 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 Certificate
$1,000
4.32%
▲ 1.28% above Michigan avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.28% above avgNationally 2.92%
Details
$1,000 minimum deposit to open and earn the stated APY; APYs as of 9/24/2026
Rate History
2 changes since Sep 18, 2026 · 4.11% → 4.32% ▲ 0.21 pts · high 4.47% / low 4.11%
- Oct 19, 20264.32%▼ from 4.47%
- Sep 29, 20264.47%▲ from 4.11%
- Sep 18, 20264.11%first recorded
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
60 Month CD
$500
4.30%
▲ 1.26% above Michigan avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▲ 1.26% above avgNationally 2.92%
Details
APY compounded quarterly; A penalty may be imposed for early withdrawal
Rate History
1 change since Sep 19, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
- Oct 14, 20264.30%▲ from 3.90%
- Sep 19, 20263.90%first recorded
North Central Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
60 MONTH CD
$50,000
4.30%
▲ 1.26% above Michigan avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.26% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95%
- 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
$2,500
4.25%
▲ 1.21% above Michigan avg
▼
Rate4.18%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▲ 1.21% above avgNationally 2.92%
Details
Minimum $2500 to open
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
- 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
$0
4.25%
▲ 1.21% above Michigan avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.04%▲ 1.21% above avgNationally 2.92%
Details
Valid thru 10/25/2026
Rate History
1 change since Sep 18, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Sep 25, 20264.25%▲ from 3.90%
- Sep 18, 20263.90%first recorded
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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Midland, MI CD Rate Trends
Compare local Midland, 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
3.110%
▼ 0.026 vs 7 days ago
Michigan 12-month CD rates fell 0.026 points over the past 7 days to 3.110% APY.
6-Month CD MI Avg
2.874%
▼ 0.039 vs 7 days ago
Michigan 6-month CD rates fell 0.039 points over the past 7 days to 2.874% APY.
As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions
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MI CD Rate Forecast, Next 12 Months
Where are Michigan CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MI 12-Month Avg APY
3.110%
6-Month Forecast
3.110%
Range: 2.91%, 3.26%
12-Month Forecast
3.360%
Range: 3.16%, 3.51%
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What Your Savings Earn at MI CD Rates Today
Annual interest earnings at today’s Michigan average APYs. State average used where available; national average as fallback.
| CD Term | MI Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.141% | $107.04 | $214.08 | $535.20 | $1,070.40 |
| 6-Month CD | 2.874% | $143.71 | $287.42 | $718.55 | $1,437.10 |
| 12-Month CD | 3.110% | $155.50 | $311.00 | $777.50 | $1,555.00 |
| 18-Month CD | 3.043% | $152.13 | $304.26 | $760.65 | $1,521.30 |
| 24-Month CD | 2.963% | $148.17 | $296.33 | $740.83 | $1,481.65 |
| 36-Month CD | 2.933% | $146.65 | $293.29 | $733.23 | $1,466.45 |
| 48-Month CD | 3.006% | $150.30 | $300.60 | $751.50 | $1,503.00 |
| 60-Month CD | 3.045% | $152.24 | $304.48 | $761.20 | $1,522.40 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026. | |||||
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Sample CD Ladder for Midland, 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 | 2.141% | $107.04 |
| 2 | 6-Month CD | $5,000 | 2.874% | $143.71 |
| 3 | 12-Month CD | $5,000 | 3.110% | $155.50 |
| 4 | 24-Month CD | $5,000 | 2.963% | $148.17 |
| 5 | 36-Month CD | $5,000 | 2.933% | $146.65 |
| Total ($25,000 invested) | $25,000 | 2.804% blended | $701.07/yr | |
Ladder example uses equal $5,000 rungs and Michigan average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
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2,024
CD Rates
Tracked in Midland, Michigan
Tracked in Midland, Michigan
26 Banks
97 Credit Unions
About Our Midland, Michigan CD Rate Database
MonitorBankRates tracks 2,024 CD rates from 26 banks and 97 credit unions with locations in Midland, 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: DOW offers a CD at 4.50% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Midland, Michigan.
How to Find the Best CD Rates in Midland, Michigan
What to compare when shopping for a CD in Midland, Michigan
To find the best APYs in Midland, Michigan, start with credit unions and online-only banks: Midland, Michigan has 97 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 Midland, 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 Midland, Michigan: 123 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Midland, Michigan savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Midland, Michigan money market rates
Midland, Michigan Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
20.4%
National avg: 17.3%
Median Individual Earnings
$44,039
National avg: $47,340
Poverty Rate
10.3%
National avg: 11.1%
Unemployment Rate
4.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$137/yr
At MI 12-mo avg 3.110% APY
20.4% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market. At today’s MI 12-month CD average of 3.110%, saving 10% of the local median salary ($4,403/year) and putting it in a CD would earn an additional $137 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 Midland, 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 Midland, 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 Midland, 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 Midland, Michigan as everywhere in the U.S.
Choosing a CD Term in Midland, 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 Midland, Michigan savers easier access to their funds. For example, DOW is offering its Simple CD - 6 Months at 4.25% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, DOW is offering its 3-60 Month Simple CDs at 4.50% 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 Midland, 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 Midland, 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 Midland, 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 Midland, 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 Midland, Michigan
Most CDs carry a fixed rate that is locked for the entire term, protecting a Midland, 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 Midland, Michigan
Are CD rates in Midland, Michigan FDIC insured?
Yes, most established banks in Midland, 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 Midland, 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 Midland, 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 Midland, 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 Midland, Michigan?
Here are recent top rates found for this area:
- DOW: 4.50% APY (3-60 Month Simple CDs)
- Wildfire Credit Union: 4.07% APY (60 Month Business Jumbo Certificates)
- Members First Credit Union Midland, MI: 4.00% APY (6 Month Certificates of Deposit)
- Mercantile Bank: 3.95% APY (Certificate of Deposit - 6 Month)
- Frankenmuth Credit Union: 3.70% APY (60 Month CD-Certificate of Deposit)
- Health Advantage Federal Credit Union: 3.65% APY (60 Month Share Certificates and IRA Share Certificates)
- Security Credit Union: 3.65% APY (IRA Share Certificates of Deposit - 5 year)
- Jolt Credit Union: 3.50% APY (12 Month Share Certificate)
- PNC Bank: 0.03% APY (Certificate of Deposit - 12 Months)
- FreeStar Financial Credit Union: 5.25% APY (18-Month Special - Military)
Rates reflect recent verified offers available in Midland, Michigan. Last Updated: October 23, 2026
Midland, 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 Midland, Michigan rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Midland, Michigan
Midland, Michigan CD Calculator
At today’s MI top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.
Midland, Michigan CD LadderMI CD rates currently range from 2.141% (3-month) to 2.933% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Midland, Michigan CD at 4.50% 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 SavingsMichigan’s average 12-month CD is 3.110% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Midland, 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 Midland, 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 Midland, Michigan. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in MI.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 23, 2026
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