CD Rates Shingleton, Michigan (MI) for March 2026
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Brian McKay
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Shingleton, Michigan CD rates include United Financial Credit UnionUnited Financial Credit Union6310 Dixie Hwy, Bridgeport, MI 48722A+5.0 ★Texas Ratio: 3.73% offering 6 month - 4H or FFA CD at 5.05% APY, OMNI Community Credit UnionOMNI Community Credit Union3141 Capital Ave SW, Battle Creek, MI 49015A+5.0 ★Texas Ratio: 3.58% offering 12 Month Youth Special Certificate at 5.00% APY, Best Financial Credit UnionBest Financial Credit Union1888 E Sherman Blvd, Muskegon, MI 49444 1822A+5.0 ★Texas Ratio: 3.56% offering 12 Month Super Kids Certificates of Deposit (CDs) at 5.00% APY, Wolverine State Credit UnionWolverine State Credit Union1381 N Bagley St, Alpena, MI 49707 8101A5.0 ★Texas Ratio: 6.10% offering 1 YEAR YOUTH CD at 4.34% APY, and Family Financial Credit UnionFamily Financial Credit Union4075 W Polk Rd, Hart, MI 49420 8177A5.0 ★Texas Ratio: 6.25% offering Certificate of Deposit & IRA Certificate Jumbo 12 Month at 4.18% APY.
To help you find the best CD rates in Shingleton, Michigan, and the surrounding area,, use our comprehensive rate tables for side-by-side comparisons across all 8 CD terms from local and national banks and credit unions, to ensure you find the best CD rates available.
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: March 21, 2026
Shingleton, MI CD Rate Trends
Compare local Shingleton, MI CD rate quotes against the statewide average
Weekly CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — MI Avg
2.670%
▼ 0.595 from last week
Michigan 12-month CD rates fell 0.595 points this week to 2.670% APY, down from 3.265% last week.
6-Month CD — MI Avg
2.364%
▼ 0.624 from last week
Michigan 6-month CD rates fell 0.624 points this week to 2.364% APY, down from 2.989% last week.
As of Mar 21, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare Best CD Rates in Shingleton, Michigan & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
West Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
201 W Loomis St, Ludington, MI 49431
CD Specials 3 Month
$500
4.15%
▼
Rate4.09%
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.43%
87 W Alexander Ave, Merced, CA 95348 3404
3-Month Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
No minimum deposit.
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
5640 Democracy Dr, Plano, TX 75024
3-Month HYC Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifications Required
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
400 Town Center Dr, Dearborn, MI 48126
3 month Share Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 13, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
400 Town Center Dr, Dearborn, MI 48126
Business Share Certificates 3 month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
400 Town Center Dr, Dearborn, MI 48126
Share Certificates 3 month
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details
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: 3.73%
6310 Dixie Hwy, Bridgeport, MI 48722
6 month - 4H or FFA CD
$0
5.05%
▼
Rate4.93%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Max $5,000
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
6310 Dixie Hwy, Bridgeport, MI 48722
6 month Youth CD
$0
5.00%
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Ages 0-21; 1 per member
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
6-Month CD
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
West Shore Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
201 W Loomis St, Ludington, MI 49431
CD Specials 6 Month
$500
4.05%
▼
Rate3.99%
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
400 Town Center Dr, Dearborn, MI 48126
Business Share Certificates 6 month
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
400 Town Center Dr, Dearborn, MI 48126
Share Certificates 6 month
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
715 Terrace St, Muskegon, MI 49440
6 month Certificate of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
30400 Telegraph Rd Ste 122, Bingham Farms, MI 48025
6 Month Certificate of Deposit
$2,500
4.00%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMar 18, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
30400 Telegraph Rd Ste 122, Bingham Farms, MI 48025
6 Month IRA Certificate of Deposit
$2,500
4.00%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMar 18, 2026
Details
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI 48381
CD Special 6 Month
$500
4.00%
▼
Rate3.95%
Min Deposit$500
Min Balance—
UpdatedMar 20, 2026
Details
$500 - $100,000
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2145 Wells St Ste 101, Wailuku, HI 96793
6 month Share Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Wings Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
14985 Glazier Ave, Apple Valley, MN 55124
6-Month Certificate
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
New money only.
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
5640 Democracy Dr, Plano, TX 75024
6-Month HYC Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifications Required
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
241 E Saginaw St, East Lansing, MI 48823
6 Month CD
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
Rising Rate Certificate of Deposit - Third 6-month Term
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
12 Month Super Kids Certificates of Deposit (CDs)
$100
5.00%
▼
Rate4.91%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details
Early Withdrawal Penalty: 90 days interest
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3141 Capital Ave SW, Battle Creek, MI 49015
12 Month Youth Special Certificate
$0
5.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
1381 N Bagley St, Alpena, MI 49707 8101
1 YEAR YOUTH CD
$100
4.34%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMar 15, 2026
Details
Family Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
4075 W Polk Rd, Hart, MI 49420 8177
Certificate of Deposit & IRA Certificate Jumbo 12 Month
$25,000
4.18%
▼
Rate4.10%
Min Deposit$25,000
Min Balance—
UpdatedMar 18, 2026
Details
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
1381 N Bagley St, Alpena, MI 49707 8101
1 YEAR CERTIFICATE
$500
4.08%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
Family Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
4075 W Polk Rd, Hart, MI 49420 8177
Certificate of Deposit & IRA Certificate 12 Month
$500
4.07%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1100 S Bagley St, Alpena, MI 49707 8104
12 Month Certificate
$500
4.06%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1100 S Bagley St, Alpena, MI 49707 8104
12 Month Youth Certificate
$100
4.06%
▼
Rate4.00%
Min Deposit$100
Min Balance—
UpdatedMar 17, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
27850 MOUND RD, WARREN, MI 48092
1 Year Certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
1540 Tittabawassee Rd, Saginaw, MI 48604 9445
12 Month YOUTH Certificate of Deposit
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
65 W LAKETON AVE, MUSKEGON, MI 49441
IRA & SHARE CERTIFICATES 1 YEAR
$0
4.01%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
65 W LAKETON AVE, MUSKEGON, MI 49441
YOUTH 0-18 YEARS OLD VARIABLE RATE CERTIFICATE 1 YEAR
$0
4.01%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
20252 Ecorse Rd, Taylor, MI 48180
1 year Youth Certificates
$0
4.00%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
8171 E 10 Mile Rd, Center Line, MI 48015 1449
12 Month Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Catholic Vantage Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
36111 5 MILE RD, LIVONIA, MI 48154 1963
12 Month Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
37570 S Gratiot Ave, Clinton Township, MI 48036
18-Month Special! Certificates of Deposit
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
At maturity, the CD will be renewed into a 24-month CD.
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
241 E Saginaw St, East Lansing, MI 48823
18 Month CD
$0
3.81%
▼
Rate3.76%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
576 E Lincoln St, Birmingham, MI 48009 1757
18 Month CD
$10,000
3.80%
▼
Rate3.75%
Min Deposit$10,000
Min Balance—
UpdatedMar 17, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
576 E Lincoln St, Birmingham, MI 48009 1757
18 Month IRA CD
$4,000
3.80%
▼
Rate3.75%
Min Deposit$4,000
Min Balance—
UpdatedMar 17, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1100 S Bagley St, Alpena, MI 49707 8104
18 Month Certificate
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1100 S Bagley St, Alpena, MI 49707 8104
18 Month Youth Certificate
$100
3.80%
▼
Rate3.75%
Min Deposit$100
Min Balance—
UpdatedMar 17, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
630 32nd St SE, Grand Rapids, MI 49548 2306
18 month CD
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
630 32nd St SE, Grand Rapids, MI 49548 2306
18-month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
576 E Lincoln St, Birmingham, MI 48009 1757
18 Month CD
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
576 E Lincoln St, Birmingham, MI 48009 1757
18 Month IRA CD
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA 90250
IRA Certificate Term 18-Month Variable
$100,000
3.72%
▼
Rate3.66%
Min Deposit$100,000
Min Balance—
UpdatedMar 15, 2026
Details
$100,000 Minimum to Earn APY
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
18 Month Certificate of Deposit
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Dearborn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
22315 Michigan Ave, Dearborn, MI 48124
18 MONTH VARIABLE RATE IRA
$100
3.66%
▼
Rate3.60%
Min Deposit$100
Min Balance—
UpdatedMar 17, 2026
Details
(The interest rate and APY may change after account opening)
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
65 W LAKETON AVE, MUSKEGON, MI 49441
IRA & SHARE CERTIFICATES 2 YEAR
$0
4.01%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
2 Year Certificate of Deposit
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
508 State St, Fremont, MI 49412
24 Month Share Certificates and IRA Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
508 State St, Fremont, MI 49412
Share Certificates and IRA Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
5640 Democracy Dr, Plano, TX 75024
24-Month HYC Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifications Required
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
24-Month CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
715 N Telegraph Rd, Monroe, MI 48162 5130
24 Month CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Certificates may be subject to penalty for early withdrawal.
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
715 N Telegraph Rd, Monroe, MI 48162 5130
24 Month IRA CD
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 21, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
2 Year Certificate of Deposit
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
241 E Saginaw St, East Lansing, MI 48823
24 Month CD
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
FNB of Wakefield
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
401 Sunday Lake St, Wakefield, MI 49968
36 mo Certificates of Deposit
$50,000
4.04%
▼
Rate4.00%
Min Deposit$50,000
Min Balance—
UpdatedMar 20, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
65 W LAKETON AVE, MUSKEGON, MI 49441
IRA & SHARE CERTIFICATES 3 YEAR
$0
4.01%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
3-Year Rising Rate Certificate of Deposit Year 3 term
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
36 Month Certificates of Deposit (CDs)
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Early Withdrawal Penalty: 180 days interest
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
IRA Certificates 36 Month
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
508 State St, Fremont, MI 49412
36 Month Share Certificates and IRA Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
508 State St, Fremont, MI 49412
Share Certificates and IRA Certificates 36 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
5640 Democracy Dr, Plano, TX 75024
36-Month HYC Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifications Required
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
14550 Aviation Blvd, Hawthorne, CA 90250
IRA Certificate Term 36-Month Variable
$100,000
3.67%
▼
Rate3.61%
Min Deposit$100,000
Min Balance—
UpdatedMar 15, 2026
Details
$100,000 Minimum to Earn APY
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
5121 Whiteford Rd, Sylvania, OH 43560
36 Month Certificate
$500
3.66%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMar 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
3 Year Certificate of Deposit
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
3-Year Rising Rate Certificate of Deposit Blended APY
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
First National Bank of Michigan
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
348 W Michigan Ave, Kalamazoo, MI 49007
3-Year Rising Rate Certificate of Deposit Year 2 term
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
16630 Gratiot Rd, Hemlock, MI 48626
48 Month Term Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
508 State St, Fremont, MI 49412
48 Month Share Certificates and IRA Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
508 State St, Fremont, MI 49412
Share Certificates and IRA Certificates 48 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
5121 Whiteford Rd, Sylvania, OH 43560
48 Month Certificate
$500
3.71%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMar 16, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
DOW
Institution Rating:
A+5.0 ★
600 E Lyon Rd, Midland, MI 48640 5396
3-60 Month Simple CDs
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 16, 2026
Details
First Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
16630 Gratiot Rd, Hemlock, MI 48626
60 Month Term Share Certificate
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3089 44th St SW, Grandville, MI 49418 2501
60 Month CD
$0
3.85%
▼
Rate3.79%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
65 W LAKETON AVE, MUSKEGON, MI 49441
IRA & SHARE CERTIFICATES 5 YEAR
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
5121 Whiteford Rd, Sylvania, OH 43560
60 Month Certificate
$500
3.76%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMar 16, 2026
Details
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
519 Main St, Kewaunee, WI 54216
60 Month Certificates of Deposit/IRA Certificates of Deposit (CDs)
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Relationship
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
241 E Saginaw St, East Lansing, MI 48823
60 Month CD
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
508 State St, Fremont, MI 49412
60 Month Share Certificates and IRA Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
508 State St, Fremont, MI 49412
Share Certificates and IRA Certificates 60 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
IRA Certificates 60 Month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
2900 W South Airport Rd, Traverse City, MI 49684 4611
60 Month CD
$500
3.65%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
$500 Minimum; Direct Deposit
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
2900 W South Airport Rd, Traverse City, MI 49684 4611
60 Month Certificate of Deposit
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Direct Deposit
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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Frequently Asked Questions about CD Rates in Shingleton, Michigan
Are CD rates in Shingleton, Michigan FDIC insured?
Yes, most established banks in Shingleton, 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 Shingleton, 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 Shingleton, 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 Shingleton, 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 Shingleton, Michigan?
Here are recent top rates found for this area:
- United Financial Credit Union: 5.05% APY (6 month - 4H or FFA CD)
- Best Financial Credit Union: 5.00% APY (12 Month Super Kids Certificates of Deposit (CDs))
- OMNI Community Credit Union: 5.00% APY (12 Month Youth Special Certificate)
- Wolverine State Credit Union: 4.34% APY (1 YEAR YOUTH CD)
- Family Financial Credit Union: 4.18% APY (Certificate of Deposit & IRA Certificate Jumbo 12 Month)
- West Shore Bank: 4.15% APY (CD Specials 3 Month)
- Meijer Credit Union: 4.10% APY (6-Month CD)
- ABD Federal Credit Union: 4.06% APY (1 Year Certificate)
- Lake Huron Credit Union: 4.06% APY (12 Month YOUTH Certificate of Deposit)
- Alpena-Alcona Area Credit Union: 4.06% APY (12 Month Certificate)
Rates reflect recent verified offers available in Shingleton, Michigan. Last Updated: March 21, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Shingleton, 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 pulling data straight 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 Shingleton, 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: March 21, 2026
