Shingleton, Michigan CD Rates Today - Compare Best APYs for May 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Shingleton, Michigan CD rates include Diversified Members Credit UnionDiversified Members Credit UnionA+5.0 ★Texas Ratio: 5.57%Real return: +2.35%APY minus CPI (February 2026) offering 12 Months at 5.15% APY, United Financial Credit UnionUnited Financial Credit UnionA+5.0 ★Texas Ratio: 3.73%Real return: +2.25%APY minus CPI (February 2026) offering 6 month - 4H or FFA CD at 5.05% APY, Best Financial Credit UnionBest Financial Credit UnionA+5.0 ★Texas Ratio: 3.56%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Super Kids at 5.00% APY, OMNI Community Credit UnionOMNI Community Credit UnionA+5.0 ★Texas Ratio: 3.58%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Youth Special at 5.00% APY, and Service 1 Federal Credit UnionService 1 Federal Credit UnionA+5.0 ★Texas Ratio: 1.93%Real return: +1.95%APY minus CPI (February 2026) offering Youth Certificates 1 6 months - FEATURED RATE at 4.75% APY. CD rates as of May 7, 2026 according to verified data from MonitorBankRates.
Shingleton is a smaller community with no bank or credit union branches currently in our database. 933 institutions serving the Michigan area are available to Shingleton residents, with CD rates as high as 5.15% APY from Diversified Members Credit Union. 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: May 7, 2026
Compare Best CD Rates in Shingleton, Michigan & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
St Francis X Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
3 Months CD & IRA CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$100,000+ balance
Highpoint Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
90 Day (3 Month)
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
St Francis X Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
3 Months CD & IRA CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
90 Day Certificate
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
90 Day Youth Certificate
$100
3.29%
▼
Rate3.25%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3-Month Certificate or IRA-HSA Jumbo
$100,000
3.15%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
IRA Certificates 3 Month
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
Regular Term Share Certificates 3 Month
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3-Month Certificate or IRA-HSA
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Month Cert / IRA
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Dividends Paid: At Maturity; Penalties: 90 days*
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Jumbo Term Share Certificates 3 Months
$0
2.60%
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3 Months Term Share Certificates
$0
2.50%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
The Local Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
Term Share Certificates 3 Month
$500
2.50%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Lake-Osceola State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
90 Days CD
$5,000
2.27%
▼
Rate2.25%
Min Deposit$5,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
3 MONTH CERTIFICATE
$0
2.02%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
3 month Certificate of Deposit
$0
1.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
3 Month Tier 3 Certificate
$0
1.60%
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
3 Month Tier 2 Certificate
$0
1.55%
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
South Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
3 Month CD Gold
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.15%
Share Certificates 3 Months
$0
1.50%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
3 Month Tier 1 Certificate
$0
1.50%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate1.10%
Min Deposit$50
Min Balance—
UpdatedMay 2, 2026
Details
Ignite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
3 MONTH CERTIFICATE
$50
1.10%
▼
Rate—
Min Deposit$50
Min Balance—
UpdatedMay 2, 2026
Details
Northern Interstate Bank, N. A.
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3 Month CD
$1,000
1.10%
▼
Rate1.10%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Interest Paid: Maturity
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
3 Months
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Monthly
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
3 Month CD
$500
0.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
Youth 3 Month Share Certificate Account
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
G. W. Jones Exchange Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
31 - 90 Days
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Family First Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.34%
Certificate Deposit - 3 Months
$500
0.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
Traditional and Roth IRA Share Certificates 3 Month
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
3 Month Share Certificate Account
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Family Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
3 Month
$500
0.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.10%
Share Certificates 90 days
$500
0.35%
▼
Rate0.35%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
3 Month Term Share Certificates
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
IRA 3 Month Term Share Certificates
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Lake Superior Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
3 Month Certificate of Deposit
$0
0.15%
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 19, 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%
6 month - 4H or FFA CD
$0
5.05%
▼
Rate4.93%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
6 month SmartStart Youth CD
$0
5.00%
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Available for members under the age of 21; 1 per member
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
6 Month Youth CD
$0
5.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Current APY At 5.00%
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
6 months Share Certificates - 1
$0
4.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
FEATURED RATE
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificates - 1 6 months
$0
4.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
FEATURED RATE
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Youth Certificates 1 6 months
$0
4.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
FEATURED RATE
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Youth Certificates 1 6 months - FEATURED RATE
$0
4.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Limited Time Special!
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Share Certificate SPECIAL!
$2,500
4.06%
▼
Rate4.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
Quarterly Dividend Transfers, Non-Automatic Renewal, Simple Interest, Paid Quarterly! NEW MONEY ONLY!!!
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
6 Month Certificate of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
6 Month IRA Certificate of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Michigan Columbus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
6 Month CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Youth Certificates 6 months - FEATURED RATE
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 month Share Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Wings Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
6-month certificate
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
New money only.
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
Certificates - 6 Months
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
180 Day Youth Certificate
$100
3.80%
▼
Rate3.75%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
180 Day Certificate
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
6 MONTH YOUTH CD
$100
3.79%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMay 2, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
6 Month Certificate and IRA Certificates
$500
3.79%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Circle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
6 Month Term Share Certificates
$100
3.76%
▼
Rate3.70%
Min Deposit$100
Min Balance—
UpdatedMay 7, 2026
Details
Family First Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.34%
Certificate Deposit - 6 Months
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Bloom Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
6 month CD Special
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Limited time offer.
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Community Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
6 Month Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
$1000 minimum deposit
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificates 6 months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
FEATURED RATE
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
6 months - FEATURED RATE Share Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
6 months Share Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
FEATURED RATE
West Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
6 Month CD Special*
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.15%
Share Certificates 6 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
GR Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
6 month Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Maximum deposit of $250,000.00 per member.
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
6 Month CD
$10,000
3.70%
▼
Rate3.65%
Min Deposit$10,000
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
6 Month CD
$500
3.65%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Share Certificates and IRA Share Certificates 6 Month
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
6 MONTH CERTIFICATE
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Diversified Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
6 Month
$0
3.60%
▼
Rate3.57%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
6-Month Certificate or IRA-HSA Jumbo
$100,000
3.55%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
IRA Certificates 6 months
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Highpoint Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
182 Day (6 Month)
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.29%
6 months Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rates may increase .2% when a member qualifies for our loyalty benefits. Ask us for more details.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Diversified Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.57%
12 Months
$0
5.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
12 Month Super Kids
$100
5.00%
▼
Rate4.91%
Min Deposit$100
Min Balance—
UpdatedMay 2, 2026
Details
Early Withdrawal Penalty: 90 days interest
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
12 Month Youth Special
$0
5.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
People Driven Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
1 Year Youth
$25
4.50%
▼
Rate4.43%
Min Deposit$25
Min Balance—
UpdatedMay 2, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
12 months Share Certificates - 1
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificates - 1 12 months
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Youth Certificates 1 12 months
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
1 YEAR YOUTH CD
$100
4.34%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMay 2, 2026
Details
Family Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Jumbo 12 Month
$25,000
4.18%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 2, 2026
Details
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
1 YEAR CERTIFICATE
$500
4.08%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Family Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
12 Month
$500
4.07%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
12 Month YOUTH
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
12 Month Certificate
$500
4.06%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
12 Month Youth Certificate
$100
4.06%
▼
Rate4.00%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
Certificates - 12 Months
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
12 month Certificate of Deposit
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
12 Month Youth CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
12 Month Youth CD Certificates
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
(No minimum)
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
NEW MONEY GenGrow 12-month CD
$50
4.00%
▼
Rate3.94%
Min Deposit$50
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Michigan Columbus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
12 Month CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Lake Huron Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
12 Month JUMBO
$100,000
3.98%
▼
Rate3.90%
Min Deposit$100,000
Min Balance—
UpdatedMay 2, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
1 Year CD
$10,000
3.96%
▼
Rate3.90%
Min Deposit$10,000
Min Balance—
UpdatedMay 2, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
12 Month Certificate of Deposit
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
12 Month IRA Certificate of Deposit
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
1 Year CD
$500
3.91%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
University of Michigan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Certificate - 12 Month
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
University of Michigan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Certificate minimum deposit - 12 Month
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$100,000
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
APY* as high as 3.75 %
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.29%
IRA 1 Year Term Adjusted Quarterly
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.29%
IRA 1 Year Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
1 Year Certificate and IRA Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Youth Certificates 12 months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Save to Win CD 12 month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.29%
1 Year Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rates may increase .2% when a member qualifies for our loyalty benefits. Ask us for more details.
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
Certificates 12 months
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
12 months Certificates
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
12 MO IRA Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
12 Month CD
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
University of Michigan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Certificate - 12 Month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
University of Michigan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Certificate minimum deposit - 12 Month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$10,000
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%
18-Month Special!
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
18 Month CD
$10,000
3.80%
▼
Rate3.75%
Min Deposit$10,000
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
APY* as high as 3.800 %
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
18 Month Certificate
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
18 Month Youth Certificate
$100
3.80%
▼
Rate3.75%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
18 Month CD
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
18 month Certificate of Deposit
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
Certificates - 18 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Dearborn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
18 MONTH VARIABLE RATE IRA
$100
3.67%
▼
Rate3.61%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details
(The interest rate and APY may change after account opening)
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
18 Month IRA Certificate of Deposit
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
18 Month Certificate of Deposit
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
1.5 year IRA Share Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
1.5 year Share Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
18 Month Heroes Cert / IRA
$1,000
3.60%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Dividends Paid: Monthly; Penalties: 180 days*
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
18 MO IRA Certificate
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
18 Month CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
18 MONTH CERTIFICATE
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
18 months Certificates
$0
3.54%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
Certificates 18 months
$0
3.54%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
18 Month Share Certificate Account
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
18 Month Cert / IRA
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Dividends Paid: Monthly; Penalties: 180 days*
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
Traditional and Roth IRA Share Certificates 18 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.10%
Share Certificates 18 Months
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificates 18 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Family First Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.34%
Certificate Deposit - 18 Months
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
18 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
18 Month
$500
3.45%
▼
Rate3.39%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
Special Share Certificates 18 Month
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Journey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
18 Month Share Certificates and IRA Certificates
$500
3.40%
▼
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
Jumbo and Jumbo IRA Certificates 18 Months
$0
3.39%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$100,000 and Above
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
18 Month Certificate or IRA-HSA
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
18 Months Term Certificates
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$500 and Above
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
IRA Certificates 18 months
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$500 and Above
CASE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
18 Month TDA or IRA TDA
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
18 Months Certificates
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
($500 minimum)
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
18 Month Variable IRA Certificate
$1
3.30%
▼
Rate3.25%
Min Deposit$1
Min Balance—
UpdatedMay 6, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
18 Month IRA/HSA CD
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
18 Month CD
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
Hometown Hero 18 month
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Dearborn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
18 MONTH FIXED RATE IRA
$100
3.19%
▼
Rate3.15%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details
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: 2.16%
24 Month Certificate
$0
4.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Catholic Vantage Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
24 Month Certificate
$0
4.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
24 Month Youth CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.76%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
IRA Certificates 24 months
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Youth Certificates 24 months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
24 Month CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
24 Month IRA CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
Certificates - 24 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
24 Month Share Certificates and IRA Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
24 months Certificate
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.65%
Min Deposit$100
Min Balance—
UpdatedMay 2, 2026
Details
APY= Annual Percentage Yield. Advertised rate and terms are subject to change without notice. A penalty may be imposed if you withdraw funds prior to the maturity date. Fees can reduce earnings.
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
2 Year CD
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedMay 2, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
2-Year Certificate or IRA-HSA Jumbo
$100,000
3.60%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
IRA & SHARE CERTIFICATES 2 YEAR
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
24 MONTH CD
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
24 MONTH CERTIFICATE
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
24 month Certificate of Deposit
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
2 Year CD
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
24 Month Certificate of Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Construction Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
24 Month IRA Certificate of Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.76%
24 MONTH GOLDEN CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
24 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificates 24 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
24 Month Share Certificate Account
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
24 Month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Early Withdrawal Penalty: 180 days interest
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.10%
Share Certificates 2 Year
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
Traditional and Roth IRA Share Certificates 24 Month
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
ADD ON 24 MO CERT
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
2 year IRA Share Certificate
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
24 MONTH CD
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
24 Months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
2-Year Certificate or IRA-HSA
$500
3.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
Special Share Certificates 24 Month
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
2 year Share Certificate
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
24 Month
$500
3.45%
▼
Rate3.39%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
Jumbo and Jumbo IRA Certificates 2 Years
$0
3.42%
▼
Rate3.38%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$100,000 and Above
Journey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
24 Month Share Certificates and IRA Certificates
$500
3.40%
▼
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.29%
2 Year Certificates
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rates may increase .2% when a member qualifies for our loyalty benefits. Ask us for more details.
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
2 years Certificates
$0
3.39%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
Certificates 2 years
$0
3.39%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
2 Years Term Certificates
$0
3.37%
▼
Rate3.33%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$500 and Above
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
IRA Certificates 2 Years
$0
3.37%
▼
Rate3.33%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$500 and Above
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Monroe Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
36 Month Youth CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.82%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
IRA Certificates 36 months
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
Jumbo and Jumbo IRA Certificates 3 Years
$0
3.79%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$100,000 and Above
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
36 Month
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Early Withdrawal Penalty: 180 days interest
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
36 months Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
36 Month Share Certificates and IRA Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
3 Years Term Certificates
$0
3.74%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$500 and Above
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
IRA Certificates 3 Years
$0
3.74%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$500 and Above
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
IRA & SHARE CERTIFICATES 3 YEAR
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
Certificates - 36 Months
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3-Year Certificate or IRA-HSA Jumbo
$100,000
3.65%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
36 MONTH CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
36 MONTH CERT-MTHLY
$500
3.56%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
3 year Share Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
3 year IRA Share Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
36 MONTH CERT
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
36 month Certificate of Deposit
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
36 MONTH CERTIFICATE
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Settlers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
36 Month Share Certificates
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
36 Months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.76%
36 MO GOLDEN CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
36 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3-Year Certificate or IRA-HSA
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificates 36 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
36 MONTH CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.10%
Share Certificates 3 Year
$500
3.45%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
Journey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
36 Month Share Certificates and IRA Certificates
$500
3.40%
▼
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
CASE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
3 Year TDA or IRA TDA
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
3 Year CD
$10,000
3.34%
▼
Rate3.30%
Min Deposit$10,000
Min Balance—
UpdatedMay 2, 2026
Details
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.29%
IRA 3 Year Certificate
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.29%
3 Year Certificates
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rates may increase .2% when a member qualifies for our loyalty benefits. Ask us for more details.
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Dearborn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
3 YEAR IRA
$250
3.30%
▼
Rate3.30%
Min Deposit$250
Min Balance—
UpdatedMay 5, 2026
Details
Isabella Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
36 months
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Interest is compounded monthly. Penalty for early withdrawal. Rates are guaranteed for the specific term, based on the date of issue. Rates are subject to change without notice.
Dearborn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
3 YEARS Certificates of Deposit
$500
3.30%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Michigan United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
3 Year CD
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
Traditional and Roth IRA Share Certificates 36 Month
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
36 Months Certificates
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
($500 minimum)
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
36 Month Share Certificate Account
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Share Certificates and IRA Share Certificates 36 Month
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Family First Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.34%
Certificate Deposit - 36 Months
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificates - 1 36 months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
36 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
4-Year Certificate or IRA-HSA
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
4-Year Certificate or IRA-HSA Jumbo
$100,000
4.00%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
Rate3.86%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
Jumbo and Jumbo IRA Certificates 4 Years
$0
3.83%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$100,000 and Above
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
4 Years Term Certificates
$0
3.78%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$500 and Above
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
IRA Certificates 4 Years
$0
3.78%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$500 and Above
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
Certificates - 48 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
48 Month Share Certificates and IRA Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
IRA & SHARE CERTIFICATES 4 YEAR
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
48 MONTH CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
4 year Share Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
4 year IRA Share Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
48 Months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.76%
48 MO GOLDEN CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
48 MONTH CERTIFICATE
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
48 MONTH CD
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
48 month Certificate of Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificates 48 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
48 Month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Early Withdrawal Penalty: 180 days interest
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
48 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
CASE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
4 Year TDA or IRA TDA
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.10%
Share Certificates 4 Year
$500
3.40%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
Journey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
48 Month Share Certificates and IRA Certificates
$500
3.40%
▼
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
48 Months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Isabella Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
48 months
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Interest is compounded monthly. Penalty for early withdrawal. Rates are guaranteed for the specific term, based on the date of issue. Rates are subject to change without notice.
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
48 Month CD
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
48 Month IRA/HSA CD
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
48 Month Certificates
$0
3.27%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
IRA Certificates 48 Month
$0
3.27%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Share Certificates and IRA Share Certificates 48 Month
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.29%
4 Year Certificates
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rates may increase .2% when a member qualifies for our loyalty benefits. Ask us for more details.
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
Traditional and Roth IRA Share Certificates 48 Month
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
PFCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
IRA Certificates 48 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
48 Months Certificates
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
($500 minimum)
Family First Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.34%
Traditional/Roth IRA CD - 48 Months - Minimum Deposit
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$1,000
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
48 Month Share Certificate Account
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Auto Owners Associates Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
48 MONTH TERM SHARE
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Family First Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.34%
Certificate Deposit - 48 Months
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
48 MO IRA Certificate
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificates - 1 48 months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Farm Bureau Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
48 MONTH CERTIFICATE
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
48 months Share Certificates - 1
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
48 Month CD
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
Jumbo Certificates; 60 months
$0
4.07%
▼
Rate3.99%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.99%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
Jumbo and Jumbo IRA Certificates 5 Years
$0
3.90%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$100,000 and Above
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
60 Month CD
$0
3.85%
▼
Rate3.79%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
5 Years Term Certificates
$0
3.84%
▼
Rate3.79%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$500 and Above
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
IRA Certificates 5 Years
$0
3.84%
▼
Rate3.79%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$500 and Above
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
5-Year Certificate or IRA-HSA Jumbo
$100,000
3.80%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
60 Month Share Certificates and IRA Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
IRA & SHARE CERTIFICATES 5 YEAR
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
Certificates - 60 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
5-Year Certificate or IRA-HSA
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
60 month Share Certificates
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
60 MONTH CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
5 year IRA Share Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
5 year Share Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
60 Months
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
1.5 year IRA Share Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
1.5 year Share Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.76%
60 MO GOLDEN CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Lenco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
60 MONTH CERTIFICATE
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
Certificates; 60 Months
$500
3.55%
▼
Rate3.49%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.48%
60 MONTH CD
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
60 Month Certificates
$0
3.54%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
IRA Certificates 60 Month
$0
3.54%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
2.5 year Share Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
2.5 year IRA Share Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
60 month Certificate of Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
60 Months
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Early Withdrawal Penalty: 180 days interest
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificates 60 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
60 Month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 2, 2026
Details
Early Withdrawal Penalty: 180 days interest
Family First Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.34%
Traditional/Roth IRA CD - 60 Months - Minimum Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$1,000
Dearborn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
5 YEAR IRA
$250
3.50%
▼
Rate3.50%
Min Deposit$250
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Share Certificates - 1 60 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Dearborn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
5 YEARS Certificates of Deposit
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
60 months Share Certificates - 1
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
60 months Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
60 Month CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
60 MO IRA Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Rate3.50%
Min Deposit$100
Min Balance—
UpdatedMay 2, 2026
Details
APY= Annual Percentage Yield. Advertised rate and terms are subject to change without notice. A penalty may be imposed if you withdraw funds prior to the maturity date. Fees can reduce earnings.
Family First Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.34%
Certificate Deposit - 60 Months
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 2, 2026
Details
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Key Takeaways
What to know about CD rates in Shingleton, Michigan at a glance.
- APY tells you the real return. Annual Percentage Yield includes the effect of compounding, while a nominal interest rate doesn't — always compare CDs by APY, not the headline rate.
- The highest CD APY available to Shingleton residents from institutions serving the Michigan area is 5.15% APY from Diversified Members Credit Union. The rate table above ranks every offer we track, sorted by APY.
- Credit unions often post the highest APYs. Their not-for-profit structure and lower overhead let them pass more yield through to depositors than traditional banks, so it's worth comparing offers from both when shopping for the best rate.
- CDs are insured up to $250,000 per depositor, per institution, per ownership category — by the FDIC for banks, the NCUA for credit unions. Watch for early-withdrawal penalties, which typically run 30 to 180 days of interest depending on the term, so only commit funds you won't need before maturity.
Shingleton, MI CD Rate Trends
Compare local Shingleton, 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
2.854%
▲ 0.021 vs 7 days ago
Michigan 12-month CD rates rose 0.021 points over the past 7 days to 2.854% APY.
6-Month CD — MI Avg
2.831%
▲ 0.035 vs 7 days ago
Michigan 6-month CD rates rose 0.035 points over the past 7 days to 2.831% APY.
As of May 9, 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 May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MI 12-Month Avg APY
2.854%
6-Month Forecast
2.854%
Range: 2.65% – 3.00%
12-Month Forecast
2.604%
Range: 2.40% – 2.75%
Powered by
MonitorBankRates
What Your Savings Earn at MI CD Rates Today
Annual interest earnings at today’s Michigan average APYs. State average used where available; national average as fallback.
| CD Term | MI Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.224% | $111.22 | $222.44 | $556.10 | $1,112.20 |
| 6-Month CD | 2.831% | $141.57 | $283.14 | $707.85 | $1,415.70 |
| 12-Month CD | 2.854% | $142.68 | $285.36 | $713.40 | $1,426.80 |
| 18-Month CD | 2.965% | $148.24 | $296.48 | $741.20 | $1,482.40 |
| 24-Month CD | 2.714% | $135.72 | $271.43 | $678.58 | $1,357.15 |
| 36-Month CD | 2.739% | $136.97 | $273.94 | $684.85 | $1,369.70 |
| 48-Month CD | 2.836% | $141.79 | $283.57 | $708.93 | $1,417.85 |
| 60-Month CD | 2.917% | $145.86 | $291.71 | $729.28 | $1,458.55 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 7, 2026. | |||||
Sample CD Ladder for Shingleton, 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 | 2.224% | $111.22 |
| 2 | 6-Month CD | $5,000 | 2.831% | $141.57 |
| 3 | 12-Month CD | $5,000 | 2.854% | $142.68 |
| 4 | 24-Month CD | $5,000 | 2.714% | $135.72 |
| 5 | 36-Month CD | $5,000 | 2.739% | $136.97 |
| Total ($25,000 invested) | $25,000 | 2.673% blended | $668.16/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.
967
CD Rates
Tracked in Shingleton, Michigan
Tracked in Shingleton, Michigan
15 Banks
106 Credit Unions
About Our Shingleton, Michigan CD Rate Database
MonitorBankRates tracks 967 CD rates from 15 banks and 106 credit unions with locations in Shingleton, 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: Diversified Members Credit Union offers a CD at 5.15% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Shingleton, Michigan.
How to Find the Best CD Rates in Shingleton, Michigan
What to compare when shopping for a CD in Shingleton, Michigan
To find the best APYs in Shingleton, Michigan, start with credit unions and online-only banks — Shingleton, Michigan has 106 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 Shingleton, 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 Shingleton, Michigan — 121 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Shingleton, Michigan savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Shingleton, 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
$123/yr
At MI 12-mo avg 2.854% 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 2.854%, saving 10% of the local median salary ($4,293/year) and putting it in a CD would earn an additional $123 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 Shingleton, 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 |
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:
- Diversified Members Credit Union: 5.15% APY (12 Months)
- United Financial Credit Union: 5.05% APY (6 month - 4H or FFA CD)
- Best Financial Credit Union: 5.00% APY (12 Month Super Kids)
- OMNI Community Credit Union: 5.00% APY (12 Month Youth Special)
- Service 1 Federal Credit Union: 4.75% APY (Youth Certificates 1 6 months - FEATURED RATE)
- People Driven Credit Union: 4.50% APY (1 Year Youth)
- Wolverine State Credit Union: 4.34% APY (1 YEAR YOUTH CD)
- PORT CITY: 4.25% APY (6 Months Certificate)
- Christian Financial Credit Union: 4.20% APY (24 Month Certificate)
- Catholic Vantage Financial Credit Union: 4.20% APY (24 Month Certificate)
Rates reflect recent verified offers available in Shingleton, Michigan. Last Updated: May 7, 2026
CD Calculators for Shingleton, Michigan
Shingleton, Michigan CD Calculator
At today’s MI top rate of 5.15% APY, a $10,000 deposit earns $515 in the first year. Enter your amount to see your exact return.
Shingleton, Michigan CD LadderMI CD rates currently range from 2.224% (3-month) to 2.739% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Shingleton, Michigan CD at 5.15% 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 2.854% 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
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: May 7, 2026
Rate Assistant
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