Rose City, Michigan Best CD Rates August 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Rose City, Michigan CD rates include Mercantile BankMercantile Bank505 Bennett St, Rose City, MI 48654A+5.0 ★Texas Ratio: 1.01%Real return: +0.80%APY minus CPI (February 2026) offering 12 Month at 3.60% APY, United Financial Credit UnionUnited Financial Credit UnionA+5.0 ★Texas Ratio: 3.57%Real return: +2.25%APY minus CPI (February 2026) offering 6 month - 4H or FFA CD at 5.05% APY, OMNI Community Credit UnionOMNI Community Credit UnionA+5.0 ★Texas Ratio: 3.29%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Youth Special at 5.00% APY, Best Financial Credit UnionBest Financial Credit UnionA+5.0 ★Texas Ratio: 3.41%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Super Kids at 5.00% APY, and People Driven Credit UnionPeople Driven Credit UnionA+5.0 ★Texas Ratio: 4.69%Real return: +1.70%APY minus CPI (February 2026) offering 1 Year Youth at 4.50% APY. CD rates as of August 28, 2026 according to verified data from MonitorBankRates.
Rose City has 6 local institutions in our database, with CD rates as high as 3.60% APY from Mercantile Bank at 505 Bennett St, Rose City, MI 48654. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Michigan area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: August 28, 2026
Compare Best CD Rates in Rose City, Michigan & the Surrounding Area
Rose City 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
505 Bennett St, Rose City, MI 48654
3 Month
$0
2.01%
▼ 0.35% below Michigan avg
▼
Rate1.99%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▼ 0.35% below avgNationally 1.96%
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
Jumbo CD 3 Months
$0
4.32%
▲ 1.96% above Michigan avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▲ 1.96% above avgNationally 1.96%
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
Jumbo CD 3 Months
$0
4.06%
▲ 1.70% above Michigan avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▲ 1.70% above avgNationally 1.96%
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.00%
3-Month Share Certificate
$1,000
4.00%
▲ 1.64% above Michigan avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▲ 1.64% above avgNationally 1.96%
Details
Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. Compounding monthly or at account closure. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions.
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Simple CDs 3 Months
$0
4.00%
▲ 1.64% above Michigan avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▲ 1.64% above avgNationally 1.96%
Details
West Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
3 Month CD
$0
3.90%
▲ 1.54% above Michigan avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▲ 1.54% above avgNationally 1.96%
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
3-Month Certificate
$0
3.75%
▲ 1.39% above Michigan avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▲ 1.39% above avgNationally 1.96%
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
3 Month
$0
3.70%
▲ 1.34% above Michigan avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▲ 1.34% above avgNationally 1.96%
Details
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
3 Month
$0
3.60%
▲ 1.24% above Michigan avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▲ 1.24% above avgNationally 1.96%
Details
St Francis X Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
3 Months
$0
3.60%
▲ 1.24% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▲ 1.24% above avgNationally 1.96%
Details
Highpoint Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
90 Day (3 Month)
$0
3.51%
▲ 1.15% above Michigan avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▲ 1.15% above avgNationally 1.96%
Details
Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
3-Month CD Special
$0
3.45%
▲ 1.09% above Michigan avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▲ 1.09% above avgNationally 1.96%
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Jumbo Term Share Certificates 3 Months
$0
3.40%
▲ 1.04% above Michigan avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▲ 1.04% above avgNationally 1.96%
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
90 Day
$500
3.29%
▲ 0.93% above Michigan avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▲ 0.93% above avgNationally 1.96%
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
90 Day Youth
$100
3.29%
▲ 0.93% above Michigan avg
▼
Rate3.25%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▲ 0.93% above avgNationally 1.96%
Details
Bank of Ann Arbor
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
3 Month Retail CD
$0
3.25%
▲ 0.89% above Michigan avg
▼
Rate3.22%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▲ 0.89% above avgNationally 1.96%
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3-Month Certificate or IRA-HSA Jumbo
$0
3.15%
▲ 0.79% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▲ 0.79% above avgNationally 1.96%
Details
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
HSA IRA Certificates 3 Month
$0
3.10%
▲ 0.74% above Michigan avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▲ 0.74% above avgNationally 1.96%
Details
Term Share, Youth, IRA, & HSA Certificates
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
HSA Regular Term Share Certificates 3 Month
$0
3.10%
▲ 0.74% above Michigan avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▲ 0.74% above avgNationally 1.96%
Details
Term Share, Youth, IRA, & HSA Certificates
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
90 Day
$1,000
3.03%
▲ 0.67% above Michigan avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▲ 0.67% above avgNationally 1.96%
Details
West Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
3 Months
$0
3.00%
▲ 0.64% above Michigan avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▲ 0.64% above avgNationally 1.96%
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3-Month Certificate or IRA-HSA
$0
3.00%
▲ 0.64% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▲ 0.64% above avgNationally 1.96%
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3 Month Certificate
$500
2.89%
▲ 0.53% above Michigan avg
▼
Rate2.85%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▲ 0.53% above avgNationally 1.96%
Details
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
3 Month Cert / IRA
$0
2.75%
▲ 0.39% above Michigan avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▲ 0.39% above avgNationally 1.96%
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
90 Day
$0
2.63%
▲ 0.27% above Michigan avg
▼
Rate2.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▲ 0.27% above avgNationally 1.96%
Details
The Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
Term Share Certificate 3 Month
$500
2.50%
▲ 0.14% above Michigan avg
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▲ 0.14% above avgNationally 1.96%
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
90 Day
$0
2.43%
▲ 0.07% above Michigan avg
▼
Rate2.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▲ 0.07% above avgNationally 1.96%
Details
Lake-Osceola State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
90 Days
$5,000
2.27%
▼ 0.09% below Michigan avg
▼
Rate2.25%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▼ 0.09% below avgNationally 1.96%
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3-Month Certificate
$0
2.25%
▼ 0.11% below Michigan avg
▼
Rate2.23%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▼ 0.11% below avgNationally 1.96%
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
90 Day
$0
2.22%
▼ 0.14% below Michigan avg
▼
Rate2.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▼ 0.14% below avgNationally 1.96%
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3-Month Certificate
$0
2.20%
▼ 0.16% below Michigan avg
▼
Rate2.18%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▼ 0.16% below avgNationally 1.96%
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
90 Day Certificate of Deposit
$0
2.17%
▼ 0.19% below Michigan avg
▼
Rate2.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▼ 0.19% below avgNationally 1.96%
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3-Month Certificate
$0
2.15%
▼ 0.21% below Michigan avg
▼
Rate2.13%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▼ 0.21% below avgNationally 1.96%
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3-Month Certificate
$0
2.10%
▼ 0.26% below Michigan avg
▼
Rate2.08%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▼ 0.26% below avgNationally 1.96%
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3-Month Certificate
$0
2.05%
▼ 0.31% below Michigan avg
▼
Rate2.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▼ 0.31% below avgNationally 1.96%
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
90 Day
$0
2.02%
▼ 0.34% below Michigan avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▼ 0.34% below avgNationally 1.96%
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
3 MONTH CERTIFICATE
$3,000
2.02%
▼ 0.34% below Michigan avg
▼
Rate—
Min Deposit$3,000
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▼ 0.34% below avgNationally 1.96%
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
90 Day Certificate of Deposit
$0
1.97%
▼ 0.39% below Michigan avg
▼
Rate1.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▼ 0.39% below avgNationally 1.96%
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
90 Day Certificate of Deposit
$0
1.76%
▼ 0.60% below Michigan avg
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▼ 0.60% below avgNationally 1.96%
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
3 Month Tier 3
$0
1.60%
▼ 0.76% below Michigan avg
▼
Rate1.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▼ 0.76% below avgNationally 1.96%
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
3 Month Tier 2
$0
1.55%
▼ 0.81% below Michigan avg
▼
Rate1.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▼ 0.81% below avgNationally 1.96%
Details
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
90 Days
$0
1.51%
▼ 0.85% below Michigan avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▼ 0.85% below avgNationally 1.96%
Details
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Month CD Gold
$0
1.51%
▼ 0.85% below Michigan avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▼ 0.85% below avgNationally 1.96%
Details
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Month IRA CD
$0
1.51%
▼ 0.85% below Michigan avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▼ 0.85% below avgNationally 1.96%
Details
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Month IRA CD Gold
$0
1.51%
▼ 0.85% below Michigan avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▼ 0.85% below avgNationally 1.96%
Details
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
CD Gold 3 Month
$0
1.51%
▼ 0.85% below Michigan avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▼ 0.85% below avgNationally 1.96%
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
3 Month Tier 1
$0
1.50%
▼ 0.86% below Michigan avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▼ 0.86% below avgNationally 1.96%
Details
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
3 Month Compounding
$0
1.31%
▼ 1.05% below Michigan avg
▼
Rate1.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▼ 1.05% below avgNationally 1.96%
Details
Advia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
Business Regular CD 3-Month
$0
1.30%
▼ 1.06% below Michigan avg
▼
Rate1.29%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▼ 1.06% below avgNationally 1.96%
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
3 Months
$0
1.25%
▼ 1.11% below Michigan avg
▼
Rate1.24%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.36%▼ 1.11% below avgNationally 1.96%
Details
A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.
Rose City 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
6 month - 4H or FFA CD
$0
5.05%
▲ 2.42% above Michigan avg
▼
Rate4.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 2.42% above avgNationally 2.67%
Details
Amount of 4H or FFA - Youth Fair Participation Check Max $5,000
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
6 Months
$500
4.25%
▲ 1.62% above Michigan avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 1.62% above avgNationally 2.67%
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
IRA Certificate of Deposit - 6 Months
$0
4.10%
▲ 1.47% above Michigan avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 1.47% above avgNationally 2.67%
Details
Michigan Columbus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
6 Month CD
$0
4.07%
▲ 1.44% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 1.44% above avgNationally 2.67%
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.00%
6-Month Share Certificate
$1,000
4.00%
▲ 1.37% above Michigan avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 1.37% above avgNationally 2.67%
Details
Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. Compounding monthly or at account closure. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions.
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.95%
6 Month Youth
$0
4.00%
▲ 1.37% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 1.37% above avgNationally 2.67%
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
6 month
$0
4.00%
▲ 1.37% above Michigan avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 1.37% above avgNationally 2.67%
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Rising Rate Certificate of Deposit - Third 6-month Term
$0
3.92%
▲ 1.29% above Michigan avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 1.29% above avgNationally 2.67%
Details
Safe Harbor Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
6 Month High Yield
$1,000
3.90%
▲ 1.27% above Michigan avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 1.27% above avgNationally 2.67%
Details
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
6 Months
$0
3.90%
▲ 1.27% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 1.27% above avgNationally 2.67%
Details
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Simple CDs 6 Months
$0
3.90%
▲ 1.27% above Michigan avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 1.27% above avgNationally 2.67%
Details
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
6 Month
$0
3.85%
▲ 1.22% above Michigan avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 1.22% above avgNationally 2.67%
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
180 Day
$500
3.80%
▲ 1.17% above Michigan avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 1.17% above avgNationally 2.67%
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
180 Day Youth
$100
3.80%
▲ 1.17% above Michigan avg
▼
Rate3.75%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 1.17% above avgNationally 2.67%
Details
West Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
6 Month CD
$0
3.80%
▲ 1.17% above Michigan avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 1.17% above avgNationally 2.67%
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
6 MONTH CD
$50,000
3.80%
▲ 1.17% above Michigan avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 1.17% above avgNationally 2.67%
Details
Advantage One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
6-Month
$0
3.80%
▲ 1.17% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 1.17% above avgNationally 2.67%
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
IRA Certificates 6 months
$0
3.79%
▲ 1.16% above Michigan avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 1.16% above avgNationally 2.67%
Details
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.84%
6 MONTH YOUTH CD
$100
3.79%
▲ 1.16% above Michigan avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 1.16% above avgNationally 2.67%
Details
Advantage One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
6-Month Youth Certificate
$0
3.79%
▲ 1.16% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 1.16% above avgNationally 2.67%
Details
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
Term Share Certificates 6 Month
$100
3.76%
▲ 1.13% above Michigan avg
▼
Rate3.70%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 1.13% above avgNationally 2.67%
Details
Community Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
6 Month Certificate
$1,000
3.75%
▲ 1.12% above Michigan avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 1.12% above avgNationally 2.67%
Details
Harborlight Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
6 Months
$0
3.75%
▲ 1.12% above Michigan avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 1.12% above avgNationally 2.67%
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Youth Certificate 6 month
$200
3.75%
▲ 1.12% above Michigan avg
▼
Rate3.75%
Min Deposit$200
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 1.12% above avgNationally 2.67%
Details
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
6 Month CD Special
$500
3.75%
▲ 1.12% above Michigan avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 1.12% above avgNationally 2.67%
Details
GR Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
6 Months
$0
3.75%
▲ 1.12% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 1.12% above avgNationally 2.67%
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
6-Month Certificate
$0
3.75%
▲ 1.12% above Michigan avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 1.12% above avgNationally 2.67%
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.97%
6 Months
$0
3.75%
▲ 1.12% above Michigan avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 1.12% above avgNationally 2.67%
Details
PORT CITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
6 Months
$500
3.75%
▲ 1.12% above Michigan avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 1.12% above avgNationally 2.67%
Details
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
6 Months
$0
3.71%
▲ 1.08% above Michigan avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 1.08% above avgNationally 2.67%
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
6-Month Certificate or IRA-HSA Jumbo
$0
3.70%
▲ 1.07% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 1.07% above avgNationally 2.67%
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
6 MONTH CD
$500
3.70%
▲ 1.07% above Michigan avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 1.07% above avgNationally 2.67%
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
Rising Rate Certificate of Deposit - Second 6-month Term
$0
3.66%
▲ 1.03% above Michigan avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 1.03% above avgNationally 2.67%
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
Youth Certificate 6 Month
$50
3.66%
▲ 1.03% above Michigan avg
▼
Rate3.60%
Min Deposit$50
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 1.03% above avgNationally 2.67%
Details
APY will vary depending on the initial certificate deposit amount. There is a penalty for early withdrawal. Maximum deposit: $2,000. Up to 10 Youth CD's per youth account.
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
6 MONTH CERTIFICATE
$3,000
3.65%
▲ 1.02% above Michigan avg
▼
Rate—
Min Deposit$3,000
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 1.02% above avgNationally 2.67%
Details
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
182 Day (6 months)
$0
3.60%
▲ 0.97% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 0.97% above avgNationally 2.67%
Details
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
182 Days (6 months) CD
$500
3.60%
▲ 0.97% above Michigan avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 0.97% above avgNationally 2.67%
Details
Diversified Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
6 Month
$0
3.60%
▲ 0.97% above Michigan avg
▼
Rate3.57%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 0.97% above avgNationally 2.67%
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
6-month CD
$1,000
3.56%
▲ 0.93% above Michigan avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 0.93% above avgNationally 2.67%
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Jumbo Certificate 6 month
$0
3.56%
▲ 0.93% above Michigan avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 0.93% above avgNationally 2.67%
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
6-Month Certificate or IRA-HSA
$0
3.55%
▲ 0.92% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 0.92% above avgNationally 2.67%
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
IRAs - Regular Certificates 6 Month
$0
3.55%
▲ 0.92% above Michigan avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 0.92% above avgNationally 2.67%
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Regular Certificates 6 Month
$0
3.55%
▲ 0.92% above Michigan avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 0.92% above avgNationally 2.67%
Details
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
6 Month
$0
3.55%
▲ 0.92% above Michigan avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 0.92% above avgNationally 2.67%
Details
Rate with Direct Deposit: 3.70%, APY with Direct Deposit: 3.75%
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
IRA Certificate 6 months
$0
3.55%
▲ 0.92% above Michigan avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 0.92% above avgNationally 2.67%
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
6 Months
$0
3.53%
▲ 0.90% above Michigan avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 0.90% above avgNationally 2.67%
Details
Highpoint Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
182 Day (6 Month)
$0
3.51%
▲ 0.88% above Michigan avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 0.88% above avgNationally 2.67%
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
6 Month
$0
3.50%
▲ 0.87% above Michigan avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 0.87% above avgNationally 2.67%
Details
St Francis X Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
6 Months
$0
3.50%
▲ 0.87% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 0.87% above avgNationally 2.67%
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
6 Month Share Certificate
$500
3.50%
▲ 0.87% above Michigan avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.63%▲ 0.87% above avgNationally 2.67%
Details
Rose City 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
505 Bennett St, Rose City, MI 48654
12 Month
$0
3.60%
▲ 0.65% above Michigan avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 0.65% above avgNationally 2.83%
Details
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
12 Month Youth Special
$0
5.00%
▲ 2.05% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 2.05% above avgNationally 2.83%
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
12 Month Super Kids
$100
5.00%
▲ 2.05% above Michigan avg
▼
Rate4.91%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 2.05% above avgNationally 2.83%
Details
Early Withdrawal Penalty: 90 days interest
People Driven Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
1 Year Youth
$0
4.50%
▲ 1.55% above Michigan avg
▼
Rate4.43%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 1.55% above avgNationally 2.83%
Details
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.84%
1 YEAR YOUTH CD
$100
4.34%
▲ 1.39% above Michigan avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 1.39% above avgNationally 2.83%
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
12 Month
$0
4.20%
▲ 1.25% above Michigan avg
▼
Rate4.12%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 1.25% above avgNationally 2.83%
Details
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
12-month CD
$1,000
4.15%
▲ 1.20% above Michigan avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 1.20% above avgNationally 2.83%
Details
Featured rate
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.95%
12 Month IRA Certificate
$0
4.10%
▲ 1.15% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 1.15% above avgNationally 2.83%
Details
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.95%
12 Months
$0
4.10%
▲ 1.15% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 1.15% above avgNationally 2.83%
Details
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.84%
1 YEAR CERTIFICATE
$500
4.08%
▲ 1.13% above Michigan avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 1.13% above avgNationally 2.83%
Details
Family Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
12 Month
$0
4.07%
▲ 1.12% above Michigan avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 1.12% above avgNationally 2.83%
Details
HPC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
12 MO GOVERNMENT CD
$500
4.07%
▲ 1.12% above Michigan avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 1.12% above avgNationally 2.83%
Details
HPC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
12 MO NON-PROFIT CD
$500
4.07%
▲ 1.12% above Michigan avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 1.12% above avgNationally 2.83%
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
12 Month
$500
4.06%
▲ 1.11% above Michigan avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 1.11% above avgNationally 2.83%
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
12 Month Youth
$100
4.06%
▲ 1.11% above Michigan avg
▼
Rate4.00%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 1.11% above avgNationally 2.83%
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
12 Month YOUTH
$0
4.06%
▲ 1.11% above Michigan avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 1.11% above avgNationally 2.83%
Details
First Merchants Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
12-month CD/IRA
$0
4.00%
▲ 1.05% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 27, 2026
Michigan Average2.95%▲ 1.05% above avgNationally 2.83%
Details
Promotional Rate. Rates may vary by zip code. APY (Annual Percentage Yield) effective 6/30/2026 for a limited time. See Details.
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
12 Month
$0
4.00%
▲ 1.05% above Michigan avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 1.05% above avgNationally 2.83%
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Youth Certificate 1 year
$200
4.00%
▲ 1.05% above Michigan avg
▼
Rate4.00%
Min Deposit$200
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 1.05% above avgNationally 2.83%
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
1 Year Certificate
$0
4.00%
▲ 1.05% above Michigan avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 1.05% above avgNationally 2.83%
Details
Youth Certificate is only for members from ages 0-21. One time option to change the rate offered on the same product. One time option to withdraw up to 25% of principal with no penalty.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
1 Year Youth Flex Certificate
$0
4.00%
▲ 1.05% above Michigan avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 1.05% above avgNationally 2.83%
Details
Youth Flex Certificate is only for members from ages 0-21.
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
GenGrow 12-month CD
$0
4.00%
▲ 1.05% above Michigan avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 1.05% above avgNationally 2.83%
Details
New Money; CD
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Simple CDs 12 Months
$0
4.00%
▲ 1.05% above Michigan avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 1.05% above avgNationally 2.83%
Details
Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★Texas Ratio: 13.86%
12 month CD
$500
3.96%
▲ 1.01% above Michigan avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 1.01% above avgNationally 2.83%
Details
Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★Texas Ratio: 13.86%
Business 12 Month
$0
3.96%
▲ 1.01% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 1.01% above avgNationally 2.83%
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
12 Month Certificate of Deposit
$2,500
3.95%
▲ 1.00% above Michigan avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 1.00% above avgNationally 2.83%
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
12 Month IRA Certificate of Deposit
$2,500
3.95%
▲ 1.00% above Michigan avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 1.00% above avgNationally 2.83%
Details
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Year
$0
3.91%
▲ 0.96% above Michigan avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 0.96% above avgNationally 2.83%
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
IRA Certificate of Deposit - 12 Months
$0
3.90%
▲ 0.95% above Michigan avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 0.95% above avgNationally 2.83%
Details
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.95%
12 Month Jump
$0
3.85%
▲ 0.90% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 0.90% above avgNationally 2.83%
Details
Rate Jump Certificates allow you to opt into a new rate once per term if the rates increase within the certificate's term.
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.95%
12 Month Youth Jump
$0
3.85%
▲ 0.90% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 0.90% above avgNationally 2.83%
Details
Rate Jump Certificates allow you to opt into a new rate once per term if the rates increase within the certificate's term.
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
12 Month Compounding
$0
3.85%
▲ 0.90% above Michigan avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 0.90% above avgNationally 2.83%
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
1 Year CD
$10,000
3.85%
▲ 0.90% above Michigan avg
▼
Rate3.80%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 0.90% above avgNationally 2.83%
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
1 Year IRA CD
$4,000
3.85%
▲ 0.90% above Michigan avg
▼
Rate3.80%
Min Deposit$4,000
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 0.90% above avgNationally 2.83%
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
Jumbo and Jumbo IRA Certificates - 1 Year
$0
3.85%
▲ 0.90% above Michigan avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 0.90% above avgNationally 2.83%
Details
$100,000 and Above
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
12 Month Youth CD
$0
3.85%
▲ 0.90% above Michigan avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 0.90% above avgNationally 2.83%
Details
University of Michigan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.61%
Certificate 12 Month
$100,000
3.82%
▲ 0.87% above Michigan avg
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 0.87% above avgNationally 2.83%
Details
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
PLUS Certificates 1 Year
$0
3.81%
▲ 0.86% above Michigan avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 0.86% above avgNationally 2.83%
Details
Bump-up option available once during the term. Rate may change after account is opened.
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Jumbo Certificate 1 year
$0
3.81%
▲ 0.86% above Michigan avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 0.86% above avgNationally 2.83%
Details
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.08%
IRA 1 Year Term Adjusted Quarterly
$0
3.80%
▲ 0.85% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 0.85% above avgNationally 2.83%
Details
APY as high as
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
1 Year CD
$500
3.80%
▲ 0.85% above Michigan avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 0.85% above avgNationally 2.83%
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
1 Year IRA CD
$500
3.80%
▲ 0.85% above Michigan avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 0.85% above avgNationally 2.83%
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
12 MONTH CD
$50,000
3.80%
▲ 0.85% above Michigan avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 0.85% above avgNationally 2.83%
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
Youth/Young Adult 12-Month Certificate
$0
3.80%
▲ 0.85% above Michigan avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 0.85% above avgNationally 2.83%
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
1 Year
$0
3.80%
▲ 0.85% above Michigan avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 0.85% above avgNationally 2.83%
Details
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Business 12 Months Regular
$2,500
3.78%
▲ 0.83% above Michigan avg
▼
Rate3.73%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 0.83% above avgNationally 2.83%
Details
Interest paid & compounded quarterly
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
12 Months
$0
3.77%
▲ 0.82% above Michigan avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 0.82% above avgNationally 2.83%
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
12 Month Certificate
$500
3.76%
▲ 0.81% above Michigan avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 0.81% above avgNationally 2.83%
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
12 Month Youth Certificate
$100
3.76%
▲ 0.81% above Michigan avg
▼
Rate3.70%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 0.81% above avgNationally 2.83%
Details
Must be under 18 years of age
Highpoint Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
1 Year
$0
3.75%
▲ 0.80% above Michigan avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.95%▲ 0.80% above avgNationally 2.83%
Details
Rose City 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
505 Bennett St, Rose City, MI 48654
18 Month
$0
3.34%
▲ 0.31% above Michigan avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.31% above avgNationally 2.67%
Details
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
18 Month Special
$0
4.20%
▲ 1.17% above Michigan avg
▼
Rate4.14%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 1.17% above avgNationally 2.67%
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
12, 15 and 18 Month CDs
$0
4.20%
▲ 1.17% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 1.17% above avgNationally 2.67%
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
18 Month
$0
4.20%
▲ 1.17% above Michigan avg
▼
Rate4.12%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 1.17% above avgNationally 2.67%
Details
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.95%
18 Month IRA Certificate
$0
4.10%
▲ 1.07% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 1.07% above avgNationally 2.67%
Details
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.95%
18 Months
$0
4.10%
▲ 1.07% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 1.07% above avgNationally 2.67%
Details
HPC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
18 MO GOVERNMENT CD
$500
4.07%
▲ 1.04% above Michigan avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 1.04% above avgNationally 2.67%
Details
HPC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
18 MO NON-PROFIT CD
$500
4.07%
▲ 1.04% above Michigan avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 1.04% above avgNationally 2.67%
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
Jumbo and Jumbo IRA Certificates - 18 Months
$0
4.01%
▲ 0.98% above Michigan avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.98% above avgNationally 2.67%
Details
$100,000 and Above
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
18-Month Special!
$0
4.00%
▲ 0.97% above Michigan avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.97% above avgNationally 2.67%
Details
At maturity, the CD will be renewed into a 24-month CD.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
18 Months
$0
3.96%
▲ 0.93% above Michigan avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.93% above avgNationally 2.67%
Details
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Simple CDs 18 Months
$0
3.95%
▲ 0.92% above Michigan avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.92% above avgNationally 2.67%
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
18 Month CD
$10,000
3.91%
▲ 0.88% above Michigan avg
▼
Rate3.85%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.88% above avgNationally 2.67%
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
18 Month IRA CD
$4,000
3.91%
▲ 0.88% above Michigan avg
▼
Rate3.85%
Min Deposit$4,000
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.88% above avgNationally 2.67%
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
18 Month Certificate
$500
3.87%
▲ 0.84% above Michigan avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.84% above avgNationally 2.67%
Details
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.95%
18 Month Jump Rate Certificate
$0
3.85%
▲ 0.82% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.82% above avgNationally 2.67%
Details
Rate Jump Certificates allow you to opt into a new rate once per term if the rates increase within the certificate's term.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
18 Month Certificate or IRA-HSA Jumbo
$0
3.85%
▲ 0.82% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.82% above avgNationally 2.67%
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
18 Month CD
$500
3.85%
▲ 0.82% above Michigan avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.82% above avgNationally 2.67%
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
18 Month IRA CD
$500
3.85%
▲ 0.82% above Michigan avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.82% above avgNationally 2.67%
Details
Dearborn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
18 MONTH VARIABLE RATE IRA
$100
3.83%
▲ 0.80% above Michigan avg
▼
Rate3.76%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.80% above avgNationally 2.67%
Details
The interest rate and APY may change after account opening
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18 Month
$500
3.80%
▲ 0.77% above Michigan avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.77% above avgNationally 2.67%
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18 Month Youth
$100
3.80%
▲ 0.77% above Michigan avg
▼
Rate3.75%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.77% above avgNationally 2.67%
Details
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
18 Month
$0
3.80%
▲ 0.77% above Michigan avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.77% above avgNationally 2.67%
Details
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Business 18 Months Regular
$2,500
3.80%
▲ 0.77% above Michigan avg
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.77% above avgNationally 2.67%
Details
Interest paid & compounded quarterly
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
18 Month CD
$500
3.75%
▲ 0.72% above Michigan avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.72% above avgNationally 2.67%
Details
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Business 18 Months Regular
$2,500
3.75%
▲ 0.72% above Michigan avg
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.72% above avgNationally 2.67%
Details
Interest paid monthly
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
18 Months
$0
3.75%
▲ 0.72% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.72% above avgNationally 2.67%
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
18 Month Certificate or IRA-HSA
$0
3.70%
▲ 0.67% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.67% above avgNationally 2.67%
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
18-Month Certificate
$0
3.70%
▲ 0.67% above Michigan avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.67% above avgNationally 2.67%
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
18 Months
$0
3.67%
▲ 0.64% above Michigan avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.64% above avgNationally 2.67%
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
18 Month
$0
3.66%
▲ 0.63% above Michigan avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.63% above avgNationally 2.67%
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
18 Month Certificate of Deposit
$2,500
3.65%
▲ 0.62% above Michigan avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.62% above avgNationally 2.67%
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
18 Month IRA Certificate of Deposit
$2,500
3.65%
▲ 0.62% above Michigan avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.62% above avgNationally 2.67%
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
IRA Share Certificates of Deposit - 1.5 year
$0
3.60%
▲ 0.57% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.57% above avgNationally 2.67%
Details
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
18 Month Heroes Cert / IRA
$0
3.60%
▲ 0.57% above Michigan avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.57% above avgNationally 2.67%
Details
Penalties: 180 days*
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18 MO IRA Certificate
$500
3.55%
▲ 0.52% above Michigan avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.52% above avgNationally 2.67%
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18 Month CD
$500
3.55%
▲ 0.52% above Michigan avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.52% above avgNationally 2.67%
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
18 MONTH CERTIFICATE
$3,000
3.55%
▲ 0.52% above Michigan avg
▼
Rate—
Min Deposit$3,000
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.52% above avgNationally 2.67%
Details
HPC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
18 MONTH CD
$500
3.55%
▲ 0.52% above Michigan avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.52% above avgNationally 2.67%
Details
HPC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
18 MONTH YOUTH CD
$100
3.55%
▲ 0.52% above Michigan avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.52% above avgNationally 2.67%
Details
Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
18-Month CD Special
$1,000
3.50%
▲ 0.47% above Michigan avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.47% above avgNationally 2.67%
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
Relationship CD 18-Months
$0
3.50%
▲ 0.47% above Michigan avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.47% above avgNationally 2.67%
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
18 month CD
$500
3.50%
▲ 0.47% above Michigan avg
▼
Rate3.46%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.47% above avgNationally 2.67%
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
18-Month CD
$0
3.50%
▲ 0.47% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.47% above avgNationally 2.67%
Details
Rates are valid as of 7/14/2026 and subject to change without notice. Fees or penalties could reduce earnings. Early withdrawal penalty on 12-month term or longer is 180-days loss of interest.
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
18 Month Cert / IRA
$0
3.50%
▲ 0.47% above Michigan avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.47% above avgNationally 2.67%
Details
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
18 Months
$0
3.50%
▲ 0.47% above Michigan avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.47% above avgNationally 2.67%
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
18 Month
$0
3.50%
▲ 0.47% above Michigan avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.47% above avgNationally 2.67%
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
18 Month
$0
3.45%
▲ 0.42% above Michigan avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.42% above avgNationally 2.67%
Details
Journey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
18 Month Share Certificate
$500
3.40%
▲ 0.37% above Michigan avg
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.37% above avgNationally 2.67%
Details
Early withdrawal penalties: 180 days interest forfeited on 18 and 24 months.
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
18 Month IRA/HSA CD
$0
3.40%
▲ 0.37% above Michigan avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average3.03%▲ 0.37% above avgNationally 2.67%
Details
VIP Bonus Rate: 3.590%, VIP Bonus APY: 3.65%
Rose City 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
24 Month Certificate
$0
4.20%
▲ 1.49% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 1.49% above avgNationally 2.71%
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
2-Year Certificate or IRA-HSA Jumbo
$0
4.15%
▲ 1.44% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 1.44% above avgNationally 2.71%
Details
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.95%
24 Month IRA Certificate
$0
4.10%
▲ 1.39% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 1.39% above avgNationally 2.71%
Details
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.95%
24 Months
$0
4.10%
▲ 1.39% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 1.39% above avgNationally 2.71%
Details
HPC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
24 MO GOVERNMENT CD
$500
4.07%
▲ 1.36% above Michigan avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 1.36% above avgNationally 2.71%
Details
HPC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
24 MO NON-PROFIT CD
$500
4.07%
▲ 1.36% above Michigan avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 1.36% above avgNationally 2.71%
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
IRA & SHARE CERTIFICATES 2 YEAR
$0
4.06%
▲ 1.35% above Michigan avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 1.35% above avgNationally 2.71%
Details
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
24 Month
$0
4.00%
▲ 1.29% above Michigan avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 1.29% above avgNationally 2.71%
Details
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Simple CDs 24 Months
$0
4.00%
▲ 1.29% above Michigan avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 1.29% above avgNationally 2.71%
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
2 Year
$0
3.92%
▲ 1.21% above Michigan avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 1.21% above avgNationally 2.71%
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
24 Month Certificate
$500
3.87%
▲ 1.16% above Michigan avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 1.16% above avgNationally 2.71%
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
24 Month Youth Certificate
$100
3.87%
▲ 1.16% above Michigan avg
▼
Rate3.80%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 1.16% above avgNationally 2.71%
Details
Must be under 18 years of age
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.95%
24 Month Jump Rate Certificate
$0
3.85%
▲ 1.14% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 1.14% above avgNationally 2.71%
Details
Rate Jump Certificates allow you to opt into a new rate once per term if the rates increase within the certificate's term.
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
24 MONTH CD
$50,000
3.85%
▲ 1.14% above Michigan avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 1.14% above avgNationally 2.71%
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
Jumbo and Jumbo IRA Certificates - 2 Years
$0
3.84%
▲ 1.13% above Michigan avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 1.13% above avgNationally 2.71%
Details
$100,000 and Above
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Year
$0
3.81%
▲ 1.10% above Michigan avg
▼
Rate3.76%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 1.10% above avgNationally 2.71%
Details
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
24 Month CD
$500
3.80%
▲ 1.09% above Michigan avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 1.09% above avgNationally 2.71%
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
24 Month
$0
3.80%
▲ 1.09% above Michigan avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 1.09% above avgNationally 2.71%
Details
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Business 24 Months Regular
$2,500
3.80%
▲ 1.09% above Michigan avg
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 1.09% above avgNationally 2.71%
Details
Interest paid & compounded quarterly
HPC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
24 MONTH CD
$500
3.80%
▲ 1.09% above Michigan avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 1.09% above avgNationally 2.71%
Details
HPC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
24 MONTH YOUTH CD
$100
3.80%
▲ 1.09% above Michigan avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 1.09% above avgNationally 2.71%
Details
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
IRA Certificate 24 months
$0
3.80%
▲ 1.09% above Michigan avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 1.09% above avgNationally 2.71%
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2 Years
$0
3.79%
▲ 1.08% above Michigan avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 1.08% above avgNationally 2.71%
Details
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
24 Months
$0
3.76%
▲ 1.05% above Michigan avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 1.05% above avgNationally 2.71%
Details
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Business 24 Months Regular
$2,500
3.75%
▲ 1.04% above Michigan avg
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 1.04% above avgNationally 2.71%
Details
Interest paid monthly
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
24 Month CD
$0
3.75%
▲ 1.04% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 1.04% above avgNationally 2.71%
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
24 Month IRA CD
$0
3.75%
▲ 1.04% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 1.04% above avgNationally 2.71%
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
24 MONTH CD
$500
3.75%
▲ 1.04% above Michigan avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 1.04% above avgNationally 2.71%
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
ADD ON 24 MO CERT
$100
3.75%
▲ 1.04% above Michigan avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 1.04% above avgNationally 2.71%
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
IRA Certificate of Deposit - 24 Months
$0
3.75%
▲ 1.04% above Michigan avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 1.04% above avgNationally 2.71%
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
2 Year
$0
3.71%
▲ 1.00% above Michigan avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 1.00% above avgNationally 2.71%
Details
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
24 months
$0
3.70%
▲ 0.99% above Michigan avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 0.99% above avgNationally 2.71%
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Jumbo Term Share Certificates 2 Years
$0
3.70%
▲ 0.99% above Michigan avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 0.99% above avgNationally 2.71%
Details
Extra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
24 Months
$0
3.65%
▲ 0.94% above Michigan avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 0.94% above avgNationally 2.71%
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
IRAs - Regular Certificates 24 Month
$0
3.65%
▲ 0.94% above Michigan avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 0.94% above avgNationally 2.71%
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Regular Certificates 24 Month
$0
3.65%
▲ 0.94% above Michigan avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 0.94% above avgNationally 2.71%
Details
Soo-Co-Op Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
24 Month
$0
3.65%
▲ 0.94% above Michigan avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 0.94% above avgNationally 2.71%
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.63%
24-Month Certificate
$0
3.65%
▲ 0.94% above Michigan avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 0.94% above avgNationally 2.71%
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
2 Year CD
$10,000
3.60%
▲ 0.89% above Michigan avg
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 0.89% above avgNationally 2.71%
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
2 Year IRA CD
$4,000
3.60%
▲ 0.89% above Michigan avg
▼
Rate3.55%
Min Deposit$4,000
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 0.89% above avgNationally 2.71%
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
24 Months
$0
3.56%
▲ 0.85% above Michigan avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 0.85% above avgNationally 2.71%
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
I.R.A Certificate 2 year
$250
3.56%
▲ 0.85% above Michigan avg
▼
Rate3.50%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 0.85% above avgNationally 2.71%
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
24 MONTH CERTIFICATE
$3,000
3.55%
▲ 0.84% above Michigan avg
▼
Rate—
Min Deposit$3,000
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 0.84% above avgNationally 2.71%
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
2 Year CD
$500
3.55%
▲ 0.84% above Michigan avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 0.84% above avgNationally 2.71%
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
2 Year IRA CD
$500
3.55%
▲ 0.84% above Michigan avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 0.84% above avgNationally 2.71%
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
2 Year
$0
3.51%
▲ 0.80% above Michigan avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 0.80% above avgNationally 2.71%
Details
Tandem Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
24 Months Certificate of Deposit
$2,000
3.51%
▲ 0.80% above Michigan avg
▼
Rate3.50%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 0.80% above avgNationally 2.71%
Details
A penalty is imposed for early withdrawal on Certificates of Deposit
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
PLUS Certificates 2 Year
$0
3.50%
▲ 0.79% above Michigan avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 0.79% above avgNationally 2.71%
Details
Bump-up option available two times during the term. Rate may change after account is opened.
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
24 Month Certificate of Deposit
$2,500
3.50%
▲ 0.79% above Michigan avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 0.79% above avgNationally 2.71%
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
24 Month IRA Certificate of Deposit
$2,500
3.50%
▲ 0.79% above Michigan avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.71%▲ 0.79% above avgNationally 2.71%
Details
Rose City 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
505 Bennett St, Rose City, MI 48654
36 Month
$0
3.03%
▲ 0.29% above Michigan avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 0.29% above avgNationally 2.66%
Details
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.95%
36 Month IRA Certificate
$0
4.15%
▲ 1.41% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 1.41% above avgNationally 2.66%
Details
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.95%
36 Months
$0
4.15%
▲ 1.41% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 1.41% above avgNationally 2.66%
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
Jumbo and Jumbo IRA Certificates - 3 Years
$0
4.06%
▲ 1.32% above Michigan avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 1.32% above avgNationally 2.66%
Details
$100,000 and Above
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
3 Years
$0
4.01%
▲ 1.27% above Michigan avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 1.27% above avgNationally 2.66%
Details
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
36 Month
$0
4.00%
▲ 1.26% above Michigan avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 1.26% above avgNationally 2.66%
Details
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Simple CDs 36 Months
$0
4.00%
▲ 1.26% above Michigan avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 1.26% above avgNationally 2.66%
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
3-Year Rising Rate Certificate of Deposit - Year 3 term
$0
3.97%
▲ 1.23% above Michigan avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 1.23% above avgNationally 2.66%
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
36 Month
$0
3.91%
▲ 1.17% above Michigan avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 1.17% above avgNationally 2.66%
Details
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.95%
36 Month Jump Rate Certificate
$0
3.90%
▲ 1.16% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 1.16% above avgNationally 2.66%
Details
Rate Jump Certificates allow you to opt into a new rate once per term if the rates increase within the certificate's term.
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
36 MONTH CD
$50,000
3.90%
▲ 1.16% above Michigan avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 1.16% above avgNationally 2.66%
Details
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year
$0
3.88%
▲ 1.14% above Michigan avg
▼
Rate3.82%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 1.14% above avgNationally 2.66%
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
36 Month Certificate
$500
3.87%
▲ 1.13% above Michigan avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 1.13% above avgNationally 2.66%
Details
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
36 Month CD
$500
3.85%
▲ 1.11% above Michigan avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 1.11% above avgNationally 2.66%
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3-Year Certificate or IRA-HSA
$0
3.85%
▲ 1.11% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 1.11% above avgNationally 2.66%
Details
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
IRA Certificate 36 months
$0
3.85%
▲ 1.11% above Michigan avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 1.11% above avgNationally 2.66%
Details
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
36 Months
$0
3.82%
▲ 1.08% above Michigan avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 1.08% above avgNationally 2.66%
Details
Extra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
36 Months
$0
3.80%
▲ 1.06% above Michigan avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 1.06% above avgNationally 2.66%
Details
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Business 36 Months Regular
$2,500
3.80%
▲ 1.06% above Michigan avg
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 1.06% above avgNationally 2.66%
Details
Interest paid & compounded quarterly
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
36 MONTH CD
$500
3.80%
▲ 1.06% above Michigan avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 1.06% above avgNationally 2.66%
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Jumbo Term Share Certificates 3 Years
$0
3.80%
▲ 1.06% above Michigan avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 1.06% above avgNationally 2.66%
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
3-Year Certificate of Deposit
$0
3.76%
▲ 1.02% above Michigan avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 1.02% above avgNationally 2.66%
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
IRAs - Regular Certificates 36 Month
$0
3.75%
▲ 1.01% above Michigan avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 1.01% above avgNationally 2.66%
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Regular Certificates 36 Month
$0
3.75%
▲ 1.01% above Michigan avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 1.01% above avgNationally 2.66%
Details
Sovita Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
Business 36 Months Regular
$2,500
3.75%
▲ 1.01% above Michigan avg
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 1.01% above avgNationally 2.66%
Details
Interest paid monthly
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
36 Month IRA Certificate
$500
3.75%
▲ 1.01% above Michigan avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 1.01% above avgNationally 2.66%
Details
Early Withdrawal Penalty: 180 days interest
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
36 months
$0
3.75%
▲ 1.01% above Michigan avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 1.01% above avgNationally 2.66%
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
3-Year Rising Rate Certificate of Deposit - Blended APY
$0
3.71%
▲ 0.97% above Michigan avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 0.97% above avgNationally 2.66%
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
3-Year Rising Rate Certificate of Deposit - Year 2 term
$0
3.71%
▲ 0.97% above Michigan avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 0.97% above avgNationally 2.66%
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
3 Year
$0
3.66%
▲ 0.92% above Michigan avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 0.92% above avgNationally 2.66%
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
IRA & SHARE CERTIFICATES 3 YEAR
$0
3.60%
▲ 0.86% above Michigan avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 0.86% above avgNationally 2.66%
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
36 Months
$0
3.56%
▲ 0.82% above Michigan avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 0.82% above avgNationally 2.66%
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
I.R.A Certificate 3 year
$250
3.56%
▲ 0.82% above Michigan avg
▼
Rate3.50%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 0.82% above avgNationally 2.66%
Details
Range Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
36 Months
$0
3.55%
▲ 0.81% above Michigan avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 0.81% above avgNationally 2.66%
Details
Settlers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
36 Month Share Certificates
$0
3.55%
▲ 0.81% above Michigan avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 0.81% above avgNationally 2.66%
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
CD: Tier V 36 months
$0
3.55%
▲ 0.81% above Michigan avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 0.81% above avgNationally 2.66%
Details
minimum $250,000
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
36 MONTH CERTIFICATE
$3,000
3.55%
▲ 0.81% above Michigan avg
▼
Rate—
Min Deposit$3,000
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 0.81% above avgNationally 2.66%
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
IRA Share Certificates of Deposit - 3 year
$0
3.55%
▲ 0.81% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 0.81% above avgNationally 2.66%
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.97%
36 Months
$0
3.55%
▲ 0.81% above Michigan avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 0.81% above avgNationally 2.66%
Details
Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
36-Month CD Special
$1,000
3.50%
▲ 0.76% above Michigan avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 0.76% above avgNationally 2.66%
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
3-year
$0
3.50%
▲ 0.76% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 0.76% above avgNationally 2.66%
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
Business Certificates - 3-Year
$0
3.50%
▲ 0.76% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 0.76% above avgNationally 2.66%
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
CD IRA 36 mos
$0
3.50%
▲ 0.76% above Michigan avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 0.76% above avgNationally 2.66%
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
CD: Tier II 36 months
$0
3.50%
▲ 0.76% above Michigan avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 0.76% above avgNationally 2.66%
Details
minimum $10,000; Dividends Paid: annually
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
CD: Tier III 36 months
$0
3.50%
▲ 0.76% above Michigan avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 0.76% above avgNationally 2.66%
Details
minimum $50,000
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
CD: Tier IV 36 months
$0
3.50%
▲ 0.76% above Michigan avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 0.76% above avgNationally 2.66%
Details
minimum $100,000; Dividends Paid: annually
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 26.46%
36 MO GOLDEN CD
$500
3.50%
▲ 0.76% above Michigan avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 0.76% above avgNationally 2.66%
Details
Farm Bureau Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
36-Month Certificate
$500
3.50%
▲ 0.76% above Michigan avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 0.76% above avgNationally 2.66%
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
IRA Certificate of Deposit - 36 Months
$0
3.50%
▲ 0.76% above Michigan avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 0.76% above avgNationally 2.66%
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
36 Month IRA/HSA CD
$0
3.50%
▲ 0.76% above Michigan avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.74%▲ 0.76% above avgNationally 2.66%
Details
VIP Bonus Rate: 3.687%, VIP Bonus APY: 3.75%
Rose City 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
505 Bennett St, Rose City, MI 48654
48 Month
$0
3.03%
▲ 0.13% above Michigan avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 0.13% above avgNationally 2.65%
Details
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.95%
48 Month IRA Certificate
$0
4.15%
▲ 1.25% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 1.25% above avgNationally 2.65%
Details
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.95%
48 Months
$0
4.15%
▲ 1.25% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 1.25% above avgNationally 2.65%
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
Jumbo and Jumbo IRA Certificates - 4 Years
$0
4.09%
▲ 1.19% above Michigan avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 1.19% above avgNationally 2.65%
Details
$100,000 and Above
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
4 Years
$0
4.04%
▲ 1.14% above Michigan avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 1.14% above avgNationally 2.65%
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
48 Month
$0
4.01%
▲ 1.11% above Michigan avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 1.11% above avgNationally 2.65%
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
48 MONTH CD
$50,000
3.95%
▲ 1.05% above Michigan avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 1.05% above avgNationally 2.65%
Details
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4 Year
$0
3.92%
▲ 1.02% above Michigan avg
▼
Rate3.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 1.02% above avgNationally 2.65%
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
48 Month Certificate
$500
3.92%
▲ 1.02% above Michigan avg
▼
Rate3.85%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 1.02% above avgNationally 2.65%
Details
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
48 Month CD
$500
3.90%
▲ 1.00% above Michigan avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 1.00% above avgNationally 2.65%
Details
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.95%
48 Month Jump Rate Certificate
$0
3.90%
▲ 1.00% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 1.00% above avgNationally 2.65%
Details
Rate Jump Certificates allow you to opt into a new rate once per term if the rates increase within the certificate's term.
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Jumbo Term Share Certificates 4 Years
$0
3.90%
▲ 1.00% above Michigan avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 1.00% above avgNationally 2.65%
Details
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Simple CDs 48 Months
$0
3.90%
▲ 1.00% above Michigan avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 1.00% above avgNationally 2.65%
Details
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
48 Months
$0
3.87%
▲ 0.97% above Michigan avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 0.97% above avgNationally 2.65%
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
4-Year Certificate or IRA-HSA
$0
3.85%
▲ 0.95% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 0.95% above avgNationally 2.65%
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
IRAs - Regular Certificates 48 Month
$0
3.85%
▲ 0.95% above Michigan avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 0.95% above avgNationally 2.65%
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Regular Certificates 48 Month
$0
3.85%
▲ 0.95% above Michigan avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 0.95% above avgNationally 2.65%
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
48 MONTH CD
$500
3.85%
▲ 0.95% above Michigan avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 0.95% above avgNationally 2.65%
Details
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
48 Months
$0
3.75%
▲ 0.85% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 0.85% above avgNationally 2.65%
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
CD: Tier V 48 months
$0
3.70%
▲ 0.80% above Michigan avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 0.80% above avgNationally 2.65%
Details
minimum $250,000
Range Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
48 Months
$0
3.65%
▲ 0.75% above Michigan avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 0.75% above avgNationally 2.65%
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
IRA & SHARE CERTIFICATES 4 YEAR
$0
3.65%
▲ 0.75% above Michigan avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 0.75% above avgNationally 2.65%
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
CD IRA 48 mos
$0
3.65%
▲ 0.75% above Michigan avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 0.75% above avgNationally 2.65%
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
CD: Tier II 48 months
$0
3.65%
▲ 0.75% above Michigan avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 0.75% above avgNationally 2.65%
Details
minimum $10,000; Dividends Paid: annually
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
CD: Tier III 48 months
$0
3.65%
▲ 0.75% above Michigan avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 0.75% above avgNationally 2.65%
Details
minimum $50,000
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
CD: Tier IV 48 months
$0
3.65%
▲ 0.75% above Michigan avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 0.75% above avgNationally 2.65%
Details
minimum $100,000; Dividends Paid: annually
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
48 Month IRA/HSA CD
$0
3.65%
▲ 0.75% above Michigan avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 0.75% above avgNationally 2.65%
Details
VIP Bonus Rate: 3.832%, VIP Bonus APY: 3.90%
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
IRA Share Certificates of Deposit - 4 year
$0
3.60%
▲ 0.70% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 0.70% above avgNationally 2.65%
Details
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
48 Months
$0
3.60%
▲ 0.70% above Michigan avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 0.70% above avgNationally 2.65%
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.97%
48 Months
$0
3.60%
▲ 0.70% above Michigan avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 0.70% above avgNationally 2.65%
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
48 Months
$0
3.56%
▲ 0.66% above Michigan avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 0.66% above avgNationally 2.65%
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
I.R.A Certificate 4 year
$250
3.56%
▲ 0.66% above Michigan avg
▼
Rate3.50%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 0.66% above avgNationally 2.65%
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
48 MONTH CERTIFICATE
$3,000
3.55%
▲ 0.65% above Michigan avg
▼
Rate—
Min Deposit$3,000
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 0.65% above avgNationally 2.65%
Details
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 26.46%
48 MO GOLDEN CD
$500
3.55%
▲ 0.65% above Michigan avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 0.65% above avgNationally 2.65%
Details
Farm Bureau Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
48-Month Certificate
$500
3.55%
▲ 0.65% above Michigan avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 0.65% above avgNationally 2.65%
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
4-year
$0
3.50%
▲ 0.60% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 0.60% above avgNationally 2.65%
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
Business Certificates - 4-Year
$0
3.50%
▲ 0.60% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 0.60% above avgNationally 2.65%
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
48 Month IRA Certificate
$500
3.50%
▲ 0.60% above Michigan avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 0.60% above avgNationally 2.65%
Details
Early Withdrawal Penalty: 180 days interest
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
IRA Certificate of Deposit - 48 Months
$0
3.50%
▲ 0.60% above Michigan avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 0.60% above avgNationally 2.65%
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
48 Month CD
$0
3.50%
▲ 0.60% above Michigan avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 0.60% above avgNationally 2.65%
Details
VIP Bonus Rate: 3.687%, VIP Bonus APY: 3.75%
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
48 Month
$500
3.44%
▲ 0.54% above Michigan avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 0.54% above avgNationally 2.65%
Details
Bank of Ann Arbor
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
4 Year Retail CD
$0
3.40%
▲ 0.50% above Michigan avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 0.50% above avgNationally 2.65%
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
4 Year
$0
3.40%
▲ 0.50% above Michigan avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 0.50% above avgNationally 2.65%
Details
Journey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
48 Month Share Certificate
$500
3.40%
▲ 0.50% above Michigan avg
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 0.50% above avgNationally 2.65%
Details
Early withdrawal penalties: 365 days interest forfeited for 36, 48 and 60 months.
Michigan Educational Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
IRA Share Certificate 48 Months
$0
3.40%
▲ 0.50% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 0.50% above avgNationally 2.65%
Details
The minimum required amount for an IRA Share Certificate is $2,000 with additional increments of $500. A penalty will be imposed for early withdrawal. 3-5 years Share Certificate - 9 months of dividends accrued penalty.
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
48 month CD
$500
3.40%
▲ 0.50% above Michigan avg
▼
Rate3.36%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 0.50% above avgNationally 2.65%
Details
CASE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
4 Year TDA
$0
3.40%
▲ 0.50% above Michigan avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 0.50% above avgNationally 2.65%
Details
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
48 Month
$0
3.39%
▲ 0.49% above Michigan avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 0.49% above avgNationally 2.65%
Details
Rate with Direct Deposit: 3.55%, APY with Direct Deposit: 3.60%
Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
48 Month Term CD or more
$0
3.39%
▲ 0.49% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 0.49% above avgNationally 2.65%
Details
$10,000; IRA CDs
County City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
48 Month - Traditional or Roth
$1,000
3.39%
▲ 0.49% above Michigan avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.90%▲ 0.49% above avgNationally 2.65%
Details
Rose City 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
505 Bennett St, Rose City, MI 48654
60 Month
$0
3.03%
▲ 0.06% above Michigan avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 0.06% above avgNationally 2.76%
Details
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.95%
60 Month IRA Certificate
$0
4.15%
▲ 1.18% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 1.18% above avgNationally 2.76%
Details
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.95%
60 Months
$0
4.15%
▲ 1.18% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 1.18% above avgNationally 2.76%
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
60 Month IRA/HSA CD VIP BONUS
$0
4.15%
▲ 1.18% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 1.18% above avgNationally 2.76%
Details
VIP BONUS. Traditional or Roth plans available. Can be established under a Certificate of Deposit or Insured Money Management Account. Contributions are usually tax deductible.
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
60 Month
$0
4.11%
▲ 1.14% above Michigan avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 1.14% above avgNationally 2.76%
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
Jumbo and Jumbo IRA Certificates - 5 Years
$0
4.08%
▲ 1.11% above Michigan avg
▼
Rate4.02%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 1.11% above avgNationally 2.76%
Details
$100,000 and Above
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
Jumbo HSA Certificates 60 months
$0
4.07%
▲ 1.10% above Michigan avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 1.10% above avgNationally 2.76%
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
Jumbo IRA Certificates 60 months
$0
4.07%
▲ 1.10% above Michigan avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 1.10% above avgNationally 2.76%
Details
Dividends are compounded & credited monthly. There is a penalty for early withdrawal. Rates are subject to change without notice.
Extra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
60 Months
$0
4.06%
▲ 1.09% above Michigan avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 1.09% above avgNationally 2.76%
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
5-Year Certificate or IRA-HSA Jumbo
$0
4.05%
▲ 1.08% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 1.08% above avgNationally 2.76%
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
5 Years
$0
4.03%
▲ 1.06% above Michigan avg
▼
Rate3.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 1.06% above avgNationally 2.76%
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Jumbo Term Share Certificates 5 Years
$0
4.00%
▲ 1.03% above Michigan avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 1.03% above avgNationally 2.76%
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
60 Month Certificate
$500
3.97%
▲ 1.00% above Michigan avg
▼
Rate3.90%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 1.00% above avgNationally 2.76%
Details
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year
$0
3.96%
▲ 0.99% above Michigan avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 0.99% above avgNationally 2.76%
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
IRAs - Regular Certificates 60 Month
$0
3.96%
▲ 0.99% above Michigan avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 0.99% above avgNationally 2.76%
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
Regular Certificates 60 Month
$0
3.96%
▲ 0.99% above Michigan avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 0.99% above avgNationally 2.76%
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
60 MONTH CD
$50,000
3.95%
▲ 0.98% above Michigan avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 0.98% above avgNationally 2.76%
Details
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
60 Months
$0
3.92%
▲ 0.95% above Michigan avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 0.95% above avgNationally 2.76%
Details
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
60 Month CD
$500
3.90%
▲ 0.93% above Michigan avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 0.93% above avgNationally 2.76%
Details
Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.95%
60 Month Jump Rate Certificate
$0
3.90%
▲ 0.93% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 0.93% above avgNationally 2.76%
Details
Rate Jump Certificates allow you to opt into a new rate once per term if the rates increase within the certificate's term.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
5-Year Certificate or IRA-HSA
$0
3.90%
▲ 0.93% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 0.93% above avgNationally 2.76%
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
60 Month IRA/HSA CD
$0
3.90%
▲ 0.93% above Michigan avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 0.93% above avgNationally 2.76%
Details
VIP Bonus Rate: 4.073%, VIP Bonus APY: 4.15%
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Simple CDs 60 Months
$0
3.90%
▲ 0.93% above Michigan avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 0.93% above avgNationally 2.76%
Details
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
60 Month CD
$0
3.85%
▲ 0.88% above Michigan avg
▼
Rate3.79%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 0.88% above avgNationally 2.76%
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
60 MONTH CD
$500
3.85%
▲ 0.88% above Michigan avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 0.88% above avgNationally 2.76%
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
CD IRA 60 mos
$0
3.75%
▲ 0.78% above Michigan avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 0.78% above avgNationally 2.76%
Details
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
CD: Tier II 60 months
$0
3.75%
▲ 0.78% above Michigan avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 0.78% above avgNationally 2.76%
Details
minimum $10,000; Dividends Paid: annually
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
CD: Tier III 60 months
$0
3.75%
▲ 0.78% above Michigan avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 0.78% above avgNationally 2.76%
Details
minimum $50,000
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
CD: Tier IV 60 months
$0
3.75%
▲ 0.78% above Michigan avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 0.78% above avgNationally 2.76%
Details
minimum $100,000; Dividends Paid: annually
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
CD: Tier V 60 months
$0
3.75%
▲ 0.78% above Michigan avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 0.78% above avgNationally 2.76%
Details
minimum $250,000
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
60 Months
$0
3.75%
▲ 0.78% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 0.78% above avgNationally 2.76%
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
60 Month CD
$0
3.75%
▲ 0.78% above Michigan avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 0.78% above avgNationally 2.76%
Details
VIP Bonus Rate: 3.928%, VIP Bonus APY: 4.00%
Range Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
60 Months
$0
3.70%
▲ 0.73% above Michigan avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 0.73% above avgNationally 2.76%
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
IRA & SHARE CERTIFICATES 5 YEAR
$0
3.70%
▲ 0.73% above Michigan avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 0.73% above avgNationally 2.76%
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
IRA Share Certificates of Deposit - 5 year
$0
3.65%
▲ 0.68% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 0.68% above avgNationally 2.76%
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.97%
60 Months
$0
3.65%
▲ 0.68% above Michigan avg
▼
Rate3.58%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 0.68% above avgNationally 2.76%
Details
Farm Bureau Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
60-Month Certificate
$500
3.60%
▲ 0.63% above Michigan avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 0.63% above avgNationally 2.76%
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
60 Months
$0
3.56%
▲ 0.59% above Michigan avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 0.59% above avgNationally 2.76%
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
I.R.A Certificate 5 year
$250
3.56%
▲ 0.59% above Michigan avg
▼
Rate3.50%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 0.59% above avgNationally 2.76%
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
60 Month CD
$0
3.55%
▲ 0.58% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 0.58% above avgNationally 2.76%
Details
One-time rate bump
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
60 MONTH CERTIFICATE
$3,000
3.55%
▲ 0.58% above Michigan avg
▼
Rate—
Min Deposit$3,000
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 0.58% above avgNationally 2.76%
Details
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 26.46%
60 MO GOLDEN CD
$500
3.55%
▲ 0.58% above Michigan avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 0.58% above avgNationally 2.76%
Details
Advantage One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
60-Month IRA Share Certificate
$0
3.55%
▲ 0.58% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 0.58% above avgNationally 2.76%
Details
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
IRA Certificate 60 Month
$0
3.54%
▲ 0.57% above Michigan avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 0.57% above avgNationally 2.76%
Details
Dearborn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
5 YEAR IRA
$250
3.50%
▲ 0.53% above Michigan avg
▼
Rate3.50%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 0.53% above avgNationally 2.76%
Details
Dearborn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
5 YEARS CD
$500
3.50%
▲ 0.53% above Michigan avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 0.53% above avgNationally 2.76%
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
60 MO IRA Certificate
$500
3.50%
▲ 0.53% above Michigan avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 0.53% above avgNationally 2.76%
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
60 Month CD
$500
3.50%
▲ 0.53% above Michigan avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 0.53% above avgNationally 2.76%
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
5-year
$0
3.50%
▲ 0.53% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 0.53% above avgNationally 2.76%
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
Business Certificates - 5-Year
$0
3.50%
▲ 0.53% above Michigan avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Michigan Average2.97%▲ 0.53% above avgNationally 2.76%
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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Rose City, MI CD Rate Trends
Compare local Rose City, MI CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — MI Avg
2.945%
▲ 0.160 vs 7 days ago
Michigan 12-month CD rates rose 0.160 points over the past 7 days to 2.945% APY.
6-Month CD — MI Avg
2.635%
▼ 0.013 vs 7 days ago
Michigan 6-month CD rates fell 0.013 points over the past 7 days to 2.635% APY.
As of Aug 30, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
MI CD Rate Forecast — Next 12 Months
Where are Michigan CD rates headed through August 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MI 12-Month Avg APY
2.945%
6-Month Forecast
2.945%
Range: 2.75% – 3.10%
12-Month Forecast
2.695%
Range: 2.50% – 2.85%
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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 | 2.364% | $118.22 | $236.43 | $591.08 | $1,182.15 |
| 6-Month CD | 2.635% | $131.73 | $263.46 | $658.65 | $1,317.30 |
| 12-Month CD | 2.945% | $147.27 | $294.53 | $736.33 | $1,472.65 |
| 18-Month CD | 3.028% | $151.42 | $302.83 | $757.08 | $1,514.15 |
| 24-Month CD | 2.709% | $135.44 | $270.88 | $677.20 | $1,354.40 |
| 36-Month CD | 2.744% | $137.19 | $274.37 | $685.93 | $1,371.85 |
| 48-Month CD | 2.896% | $144.80 | $289.60 | $724.00 | $1,448.00 |
| 60-Month CD | 2.974% | $148.71 | $297.41 | $743.53 | $1,487.05 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of August 28, 2026. | |||||
Sample CD Ladder for Rose City, 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 | 2.364% | $118.22 |
| 2 | 6-Month CD | $5,000 | 2.635% | $131.73 |
| 3 | 12-Month CD | $5,000 | 2.945% | $147.27 |
| 4 | 24-Month CD | $5,000 | 2.709% | $135.44 |
| 5 | 36-Month CD | $5,000 | 2.744% | $137.19 |
| Total ($25,000 invested) | $25,000 | 2.679% blended | $669.85/yr | |
Ladder example uses equal $5,000 rungs and Michigan average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,193
CD Rates
Tracked in Rose City, Michigan
Tracked in Rose City, Michigan
21 Banks
98 Credit Unions
About Our Rose City, Michigan CD Rate Database
MonitorBankRates tracks 1,193 CD rates from 21 banks and 98 credit unions with locations in Rose City, Michigan, plus national online institutions available to Michigan residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Mercantile Bank offers a CD at 3.60% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Rose City, Michigan.
How to Find the Best CD Rates in Rose City, Michigan
What to compare when shopping for a CD in Rose City, Michigan
To find the best APYs in Rose City, Michigan, start with credit unions and online-only banks — Rose City, Michigan has 98 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 Rose City, 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 Rose City, Michigan — 119 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days — compare Rose City, 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 Rose City, Michigan money market rates
Michigan Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
Population 65+
18.6%
National avg: 17.3%
Median Individual Earnings
$42,935
National avg: $47,340
Poverty Rate
13.2%
National avg: 11.1%
Unemployment Rate
5.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$126/yr
At MI 12-mo avg 2.945% APY
18.6% of residents are 65 or older, in line with the national average of 17.3%. At today’s MI 12-month CD average of 2.945%, saving 10% of the local median salary ($4,293/year) and putting it in a CD would earn an additional $126 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 Rose City, Michigan
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Rose City, 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 Rose City, 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 Rose City, Michigan as everywhere in the U.S.
Choosing a CD Term in Rose City, 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 Rose City, Michigan savers easier access to their funds. For example, United Financial Credit Union is offering its 6 month - 4H or FFA CD at 5.05% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Mercantile Bank is offering its 60 Month at 3.03% 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 Rose City, 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 Rose City, 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 Rose City, 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 Rose City, 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 Rose City, Michigan
Most CDs carry a fixed rate that is locked for the entire term, protecting a Rose City, 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 Rose City, Michigan
Are CD rates in Rose City, Michigan FDIC insured?
Yes, most established banks in Rose City, 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 Rose City, 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 Rose City, 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 Rose City, 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 Rose City, Michigan?
Here are recent top rates found for this area:
- Mercantile Bank: 3.60% APY (12 Month)
- United Financial Credit Union: 5.05% APY (6 month - 4H or FFA CD)
- OMNI Community Credit Union: 5.00% APY (12 Month Youth Special)
- Best Financial Credit Union: 5.00% APY (12 Month Super Kids)
- People Driven Credit Union: 4.50% APY (1 Year Youth)
- Wolverine State Credit Union: 4.34% APY (1 YEAR YOUTH CD)
- Public Service Credit Union: 4.32% APY (Jumbo CD 3 Months)
- Alliance Catholic Credit Union: 4.25% APY (6 Months)
- First National Bank of America (FNBA): 4.20% APY (18 Month Special)
- Chief Financial Federal Credit Union: 4.20% APY (12 Month)
Rates reflect recent verified offers available in Rose City, Michigan. Last Updated: August 28, 2026
Rose City, 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 Rose City, Michigan rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Rose City, Michigan
Rose City, Michigan CD Calculator
At today’s MI top rate of 3.60% APY, a $10,000 deposit earns $360 in the first year. Enter your amount to see your exact return.
Rose City, Michigan CD LadderMI CD rates currently range from 2.364% (3-month) to 2.744% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Rose City, Michigan CD at 3.60% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsMichigan’s average 12-month CD is 2.945% 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 Rose City, 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 Rose City, 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 Rose City, 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: August 28, 2026
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