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CD Rate Trends

Troy, Michigan Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 23, 2026

Troy, Michigan CD rates range from 0.01% to 5.25% APY, verified by MonitorBankRates as of October 23, 2026. Current Troy, Michigan CD rates include Chief Financial Federal Credit UnionChief Financial Federal Credit Union751 E Big Beaver Road, Troy, MI 48083A+5.0 ★Texas Ratio: 3.98%Real return: +0.75%APY minus CPIRate verified Oct 23, 2026 offering 24 Month Share Certificate at 4.45% APY, Superior National BankSuperior National Bank363 W Big Beaver Rd, Troy, MI 48084A+5.0 ★Texas Ratio: 4.32%Real return: +0.60%APY minus CPIRate verified Oct 20, 2026 offering 48 Month CD at 4.30% APY, Flagstar Bank, National AssociationFlagstar Bank, National Association5151 Corporate Dr, Troy, MI 48098D3.3 ★Texas Ratio: 35.11%Real return: +0.60%APY minus CPIRate verified Oct 22, 2026 offering 12-Month Business CD at 4.30% APY, LMCU Lake Michigan Credit UnionLMCU Lake Michigan Credit Union734 W Long Lake Rd, Troy, MI 48098A+5.0 ★Texas Ratio: 2.31%Real return: +0.45%APY minus CPIRate verified Oct 19, 2026 offering 60 Month IRA/HSA CD - VIP Bonus at 4.15% APY, and Genisys Credit UnionGenisys Credit Union1960 E Big Beaver Rd, Troy, MI 48083 2021A+5.0 ★Texas Ratio: 5.37%Real return: +0.43%APY minus CPIRate verified Oct 19, 2026 offering Jumbo and Jumbo IRA Certificates - 3 Years at 4.13% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.

Troy has 352 local institutions in our database, with CD rates as high as 4.45% APY from Chief Financial Federal Credit Union at 751 E Big Beaver Road, Troy, MI 48083. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Michigan area. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 23, 2026

Compare Best CD Rates in Troy, Michigan & the Surrounding Area

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Troy 3 Month CD Rates

Michigan 3 Month CD Average2.14% APYNational 2.13%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Independent Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
201 W Big Beaver Rd, Troy, MI 48084
3-Month CD Special
$0
3.76% ▲ 1.62% above Michigan avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.14%▲ 1.62% above avgNationally 2.13%
Details

Interest Tier: $1,000 minimum; Effective October 14, 2026

Rate History
2 changes since Sep 18, 2026 · 3.56% → 3.76% ▲ 0.20 pts · high 3.76% / low 3.56%
3.06%3.66%4.26%Sep 18, 2026: 3.56% APYSep 24, 2026: 3.66% APYOct 2, 2026: 3.76% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20263.76%▲ from 3.66%
  • Sep 24, 20263.66%▲ from 3.56%
  • Sep 18, 20263.56%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
734 W Long Lake Rd, Troy, MI 48098
3 Month IRA/HSA CD - VIP Bonus
$500
3.55% ▲ 1.41% above Michigan avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 1.41% above avgNationally 2.13%
Details

VIP Relationship Reward Bonus; Rates as of 10/18/26

Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 25, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
734 W Long Lake Rd, Troy, MI 48098
3 Month CD - VIP Bonus
$0
3.40% ▲ 1.26% above Michigan avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 1.26% above avgNationally 2.13%
Details

VIP Relationship Reward Bonus rate; where noted, CD rates include 0.25% MORE VIP Relationship Reward Bonus

Rate History
No change since Oct 13, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 25, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
734 W Long Lake Rd, Troy, MI 48098
3 Month IRA/HSA CD
$500
3.30% ▲ 1.16% above Michigan avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 1.16% above avgNationally 2.13%
Details

Rates as of 10/18/26

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 25, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
734 W Long Lake Rd, Troy, MI 48098
3 Month CD
$0
3.15% ▲ 1.01% above Michigan avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 1.01% above avgNationally 2.13%
Details

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 7 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
3 Month Certificate of Deposit
$0
3.04% ▲ 0.90% above Michigan avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.14%▲ 0.90% above avgNationally 2.13%
Details

Balance: $10,000-$24,999; Certificate of Deposit Rates table on IRA Rates page

Rate History
No change since Oct 22, 2026 · 3.04% APY
2.54%3.04%3.54%Oct 22, 2026: 3.04% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
3 Month IRA Certificate of Deposit
$0
3.04% ▲ 0.90% above Michigan avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.14%▲ 0.90% above avgNationally 2.13%
Details

Balance: $25,000 - $49,999; Effective Date: March 13, 2025

Rate History
No change since Oct 22, 2026 · 3.04% APY
2.54%3.04%3.54%Oct 22, 2026: 3.04% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
Certificate of Deposit - 3 Months
$0
3.04% ▲ 0.90% above Michigan avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.14%▲ 0.90% above avgNationally 2.13%
Details

Balance: $500-$2,499

Rate History
No change since Oct 22, 2026 · 3.04% APY
2.54%3.04%3.54%Oct 22, 2026: 3.04% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
IRA Certificate of Deposit - 3 Months
$0
3.04% ▲ 0.90% above Michigan avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.14%▲ 0.90% above avgNationally 2.13%
Details

Balance: $500-$2,499; Effective Date: March 13, 2025

Rate History
No change since Oct 22, 2026 · 3.04% APY
2.54%3.04%3.54%Oct 22, 2026: 3.04% APYOct 22, 2026Oct 25, 2026
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1700 W Big Beaver Rd, Troy, MI 48084
Certificate of Deposit - 3 Month
$500
2.01% ▼ 0.13% below Michigan avg
View
▼
Rate1.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.14%▼ 0.13% below avgNationally 2.13%
Details

Rates as of September 28, 2026; Automatic renewal standard

Rate History
No change since Oct 14, 2026 · 2.01% APY · checked 3 times
1.51%2.01%2.51%Oct 14, 2026: 2.01% APYOct 14, 2026Oct 25, 2026
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
751 E Big Beaver Road, Troy, MI 48083
IRA Term Share Certificates - 3 Month Term
$0
0.20% ▼ 1.94% below Michigan avg
View
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.14%▼ 1.94% below avgNationally 2.13%
Details

Rate History
No change since Oct 15, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Oct 15, 2026: 0.20% APYOct 15, 2026Oct 25, 2026
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
751 E Big Beaver Road, Troy, MI 48083
Share Certificates - 3 Month Term
$0
0.20% ▼ 1.94% below Michigan avg
View
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.14%▼ 1.94% below avgNationally 2.13%
Details

A penalty may be imposed for early withdrawal

Rate History
No change since Oct 15, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Oct 15, 2026: 0.20% APYOct 15, 2026Oct 25, 2026
Community Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
30 E Long Lake Rd, Troy, MI 48085 4712
3-Month Certificate
$0
0.10% ▼ 2.04% below Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▼ 2.04% below avgNationally 2.13%
Details

Effective October 1, 2026

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
725 E Big Beaver Rd, Troy, MI 48083
Certificate of Deposit - 3 Months
$1,000
0.03% ▼ 2.11% below Michigan avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.14%▼ 2.11% below avgNationally 2.13%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
725 E Big Beaver Rd, Troy, MI 48083
Certificate of Deposit - 3 Months
$1,000
0.02% ▼ 2.12% below Michigan avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.14%▼ 2.12% below avgNationally 2.13%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
725 E Big Beaver Rd, Troy, MI 48083
Certificate of Deposit - 3 Months
$1,000
0.01% ▼ 2.13% below Michigan avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.14%▼ 2.13% below avgNationally 2.13%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Simple CD - 3 Months
$500
4.35% ▲ 2.21% above Michigan avg
View
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 2.21% above avgNationally 2.13%
Details

Starting minimum deposit of $500; not eligible for Member Saver Reward

Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 14, 2026: 4.35% APYOct 14, 2026Oct 25, 2026
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
IRA Jumbo CD 3 Months
$3,000,000
4.32% ▲ 2.18% above Michigan avg
View
▼
Rate4.25%
Min Deposit$3,000,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 2.18% above avgNationally 2.13%
Details

Dividends: Quarterly; Max: $6,000,000

Rate History
No change since Oct 19, 2026 · 4.32% APY
3.82%4.32%4.82%Oct 19, 2026: 4.32% APYOct 19, 2026Oct 25, 2026
First State Bank (MI)
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
Jumbo CD - 90 Days
$0
4.10% ▲ 1.96% above Michigan avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.14%▲ 1.96% above avgNationally 2.13%
Details

Rates current as of October 20, 2026

Rate History
No change since Sep 19, 2026 · 4.10% APY · checked 9 times
3.60%4.10%4.60%Sep 19, 2026: 4.10% APYSep 19, 2026Oct 25, 2026
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
3-Month HYRC Certificate
$0
4.10% ▲ 1.96% above Michigan avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 1.96% above avgNationally 2.13%
Details

Qualifications Required; High-Yield Rewards Checking Account required; $1,000 minimum

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.10% APYSep 18, 2026Oct 25, 2026
  • Sep 27, 20264.10%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Public Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.17%
IRA Jumbo CD 3 Months
$500,000
4.06% ▲ 1.92% above Michigan avg
View
▼
Rate4.00%
Min Deposit$500,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 1.92% above avgNationally 2.13%
Details

Dividends: Quarterly; Max: $6,000,000

Rate History
No change since Oct 19, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 19, 2026: 4.06% APYOct 19, 2026Oct 25, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3-Month and 6-Month Certificate
$1,000
4.00% ▲ 1.86% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.14%▲ 1.86% above avgNationally 2.13%
Details

Limited time promotional yield on new certificates; IRA share certificates do not qualify; no additional deposits; substantial early withdrawal penalty applies

Rate History
No change since Oct 20, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 25, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3-Month Share Certificate
$0
4.00% ▲ 1.86% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.14%▲ 1.86% above avgNationally 2.13%
Details

Limited time promotional yield; APY calculated on a 3.93% base rate; new certificates only; membership eligibility required; IRA share certificates do not qualify; no additional deposits during term; rolls over to 3-Month Certificate at available rates

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 25, 2026
West Shore Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
CD Specials - 3 Month
$500
3.90% ▲ 1.76% above Michigan avg
View
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Michigan Average2.14%▲ 1.76% above avgNationally 2.13%
Details

Minimum balance to open & obtain APY; APY is accurate as of 10/16/2026

Rate History
No change since Sep 11, 2026 · 3.90% APY · checked 8 times
3.40%3.90%4.40%Sep 11, 2026: 3.90% APYSep 11, 2026Oct 25, 2026
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Certificate of Deposit - 3 Month
$0
3.85% ▲ 1.71% above Michigan avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.14%▲ 1.71% above avgNationally 2.13%
Details

Rate History
1 change since Sep 18, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60%
3.10%3.72%4.35%Sep 18, 2026: 3.60% APYSep 24, 2026: 3.85% APYSep 18, 2026Oct 25, 2026
  • Sep 24, 20263.85%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Time Certificate of Deposit - 3 Month
$0
3.85% ▲ 1.71% above Michigan avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.14%▲ 1.71% above avgNationally 2.13%
Details

East Lansing Rates

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 25, 2026
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.58%
3-Month Certificate
$0
3.85% ▲ 1.71% above Michigan avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 1.71% above avgNationally 2.13%
Details

$1,000 minimum

Rate History
1 change since Sep 18, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 18, 2026: 3.75% APYSep 27, 2026: 3.85% APYSep 18, 2026Oct 25, 2026
  • Sep 27, 20263.85%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
3 month Business Share Certificates
$0
3.75% ▲ 1.61% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 1.61% above avgNationally 2.13%
Details

Balance: $1,000 to $24,999

Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 25, 2026
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
3 Month Share Certificates
$0
3.75% ▲ 1.61% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 1.61% above avgNationally 2.13%
Details

Balance: $1,000 to $24,999

Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 25, 2026
St Francis X Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
3 Month CD & IRA CD
$0
3.60% ▲ 1.46% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.14%▲ 1.46% above avgNationally 2.13%
Details

Second Tier APY; Balance: $100,000+

Rate History
No change since Sep 12, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 12, 2026: 3.60% APYSep 12, 2026Oct 25, 2026
Highpoint Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
CD - 90 Day (3 Month)
$500
3.55% ▲ 1.41% above Michigan avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Michigan Average2.14%▲ 1.41% above avgNationally 2.13%
Details

Minimum balance of $500 required to obtain stated APY; Penalty may be imposed for early withdrawal

Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Oct 14, 2026: 3.55% APYOct 14, 2026Oct 25, 2026
Honor Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3 Month CD
$1,000
3.50% ▲ 1.36% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.14%▲ 1.36% above avgNationally 2.13%
Details

Certificates of Deposit: $1,000 minimum to open; $1,000 minimum balance to obtain stated APY; rate and APY fixed for the term; limited to $250,000 per household; penalty may apply for early withdrawal

Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 25, 2026
St Francis X Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
3 Month CD & IRA CD
$0
3.50% ▲ 1.36% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.14%▲ 1.36% above avgNationally 2.13%
Details

First Tier APY

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 25, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
3-Month Certificate or IRA-HSA Jumbo
$0
3.40% ▲ 1.26% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.14%▲ 1.26% above avgNationally 2.13%
Details

Valid thru 10/25/2026

Rate History
1 change since Sep 18, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15%
2.65%3.28%3.90%Sep 18, 2026: 3.15% APYSep 25, 2026: 3.40% APYSep 18, 2026Oct 25, 2026
  • Sep 25, 20263.40%▲ from 3.15%
  • Sep 18, 20263.15%first recorded
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Jumbo Term Share Certificates - 3 Months
$0
3.40% ▲ 1.26% above Michigan avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 1.26% above avgNationally 2.13%
Details

Subject to penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 25, 2026
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Term Share Certificates - 3 Months
$0
3.40% ▲ 1.26% above Michigan avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 1.26% above avgNationally 2.13%
Details

Subject to penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 8 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 25, 2026
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
90 Day Certificate
$500
3.29% ▲ 1.15% above Michigan avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.14%▲ 1.15% above avgNationally 2.13%
Details

Interest compounded and credited quarterly

Rate History
No change since Sep 18, 2026 · 3.29% APY · checked 8 times
2.79%3.29%3.79%Sep 18, 2026: 3.29% APYSep 18, 2026Oct 25, 2026
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.22%
90 Day Youth Certificate
$100
3.29% ▲ 1.15% above Michigan avg
View
▼
Rate3.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.14%▲ 1.15% above avgNationally 2.13%
Details

Youth certificate (ages 19 and younger); interest compounded and credited quarterly

Rate History
No change since Oct 20, 2026 · 3.29% APY
2.79%3.29%3.79%Oct 20, 2026: 3.29% APYOct 20, 2026Oct 25, 2026
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.64%
3-Month Certificate or IRA-HSA
$0
3.25% ▲ 1.11% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.14%▲ 1.11% above avgNationally 2.13%
Details

Valid thru 10/25/2026

Rate History
1 change since Sep 18, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
2.50%3.13%3.75%Sep 18, 2026: 3.00% APYSep 25, 2026: 3.25% APYSep 18, 2026Oct 25, 2026
  • Sep 25, 20263.25%▲ from 3.00%
  • Sep 18, 20263.00%first recorded
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
3 Month Certificate
$500
3.25% ▲ 1.11% above Michigan avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 1.11% above avgNationally 2.13%
Details

Effective 10/01/2026

Rate History
1 change since Sep 14, 2026 · 2.89% → 3.25% ▲ 0.36 pts · high 3.25% / low 2.89%
2.39%3.07%3.75%Sep 14, 2026: 2.89% APYOct 9, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.25%▲ from 2.89%
  • Sep 14, 20262.89%first recorded
Dort Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3 Month AMP Term Share Certificates
$0
3.25% ▲ 1.11% above Michigan avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 1.11% above avgNationally 2.13%
Details

Subject to penalty for early withdrawal

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 25, 2026
Bank of Ann Arbor
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
3 Month Retail CD
$0
3.15% ▲ 1.01% above Michigan avg
View
▼
Rate3.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.14%▲ 1.01% above avgNationally 2.13%
Details

Deposits of $1,000 to $99,999; Interest Rate and APY shown with Autopay Discount; penalty may be imposed for early withdrawal; Rates effective as of 10/19/2026 - 10/25/2026

Rate History
No change since Oct 14, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Oct 14, 2026: 3.15% APYOct 14, 2026Oct 25, 2026
Intandem Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
3 Month Term Share Certificate
$500
3.15% ▲ 1.01% above Michigan avg
View
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 1.01% above avgNationally 2.13%
Details

Rates effective 10/1/2026; Rates based on term selected and where purchased; Penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 6 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 25, 2026
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
3 Month IRA Certificate
$0
3.10% ▲ 0.96% above Michigan avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 0.96% above avgNationally 2.13%
Details

Rates accurate as of 06/29/26

Rate History
No change since Oct 19, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 19, 2026: 3.10% APYOct 19, 2026Oct 25, 2026
LAF Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
3 Month Regular Term Share Certificate
$50
3.10% ▲ 0.96% above Michigan avg
View
▼
Rate3.06%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.14%▲ 0.96% above avgNationally 2.13%
Details

Rates accurate as of 06/29/26; Regular term CDs allow additional add on deposits

Rate History
No change since Oct 19, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 19, 2026: 3.10% APYOct 19, 2026Oct 25, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 3 Month
$2,500
3.05% ▲ 0.91% above Michigan avg
View
▼
Rate3.02%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.14%▲ 0.91% above avgNationally 2.13%
Details

Relationship CD; relationship defined as Direct Deposit Checking; Minimum $2500 to open

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 9 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 25, 2026

Troy 6 Month CD Rates

Michigan 6 Month CD Average2.87% APYNational 2.78%▼ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
5151 Corporate Dr, Troy, MI 48098
6-Month Business CD
$2,500
4.10% ▲ 1.23% above Michigan avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.87%▲ 1.23% above avgNationally 2.78%
Details

APY accurate as of 10/22/2026; maximum deposit $10 million; not available for public units; limited-time offer; early withdrawal penalties apply

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 25, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
5151 Corporate Dr, Troy, MI 48098
6-Month CD
$2,500
4.10% ▲ 1.23% above Michigan avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.87%▲ 1.23% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1700 W Big Beaver Rd, Troy, MI 48084
Certificate of Deposit - 6 Month
$500
3.95% ▲ 1.08% above Michigan avg
View
▼
Rate3.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.87%▲ 1.08% above avgNationally 2.78%
Details

Rates as of September 28, 2026; Automatic renewal standard

Rate History
No change since Oct 14, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 14, 2026: 3.95% APYOct 14, 2026Oct 25, 2026
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
2889 E Maple Rd, Troy, MI 48083
6 Month Certificate
$500
3.79% ▲ 0.92% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.87%▲ 0.92% above avgNationally 2.78%
Details

APY as high as 3.99%; Rates may increase .2% when a member qualifies for loyalty benefits

Rate History
1 change since Sep 21, 2026 · 3.50% → 3.79% ▲ 0.29 pts · high 3.79% / low 3.50%
3.00%3.65%4.29%Sep 21, 2026: 3.50% APYOct 5, 2026: 3.79% APYSep 21, 2026Oct 25, 2026
  • Oct 5, 20263.79%▲ from 3.50%
  • Sep 21, 20263.50%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1960 E Big Beaver Rd, Troy, MI 48083 2021
Jumbo and Jumbo IRA Certificates - 6 Months
$0
3.59% ▲ 0.72% above Michigan avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 0.72% above avgNationally 2.78%
Details

Balance: $100,000 and over; Penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.46% → 3.59% ▲ 0.13 pts · high 3.59% / low 3.46%
2.96%3.53%4.09%Sep 14, 2026: 3.46% APYOct 14, 2026: 3.59% APYSep 14, 2026Oct 25, 2026
  • Oct 14, 20263.59%▲ from 3.46%
  • Sep 14, 20263.46%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1960 E Big Beaver Rd, Troy, MI 48083 2021
Jumbo Certificate - 6 Months
$100,000
3.59% ▲ 0.72% above Michigan avg
View
▼
Rate3.54%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 0.72% above avgNationally 2.78%
Details

Minimum balance $100,000 to open and earn APY; penalty for early withdrawal

Rate History
No change since Oct 19, 2026 · 3.59% APY
3.09%3.59%4.09%Oct 19, 2026: 3.59% APYOct 19, 2026Oct 25, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
734 W Long Lake Rd, Troy, MI 48098
6 Month IRA/HSA CD - VIP Bonus
$500
3.55% ▲ 0.68% above Michigan avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 0.68% above avgNationally 2.78%
Details

VIP Relationship Reward Bonus; Rates as of 10/18/26

Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 25, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1960 E Big Beaver Rd, Troy, MI 48083 2021
6 Month Term Certificate
$500
3.54% ▲ 0.67% above Michigan avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 0.67% above avgNationally 2.78%
Details

Penalty for early withdrawal

Rate History
No change since Oct 10, 2026 · 3.54% APY · checked 2 times
3.04%3.54%4.04%Oct 10, 2026: 3.54% APYOct 10, 2026Oct 25, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1960 E Big Beaver Rd, Troy, MI 48083 2021
IRA Certificate - 6 Months
$500
3.54% ▲ 0.67% above Michigan avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 0.67% above avgNationally 2.78%
Details

$500 minimum balance to open and earn APY; Penalty for early withdrawal; Source caption reads IRA Certificates but rows sit under Term Certificates $500 and Above heading

Rate History
1 change since Sep 18, 2026 · 3.41% → 3.54% ▲ 0.13 pts · high 3.54% / low 3.41%
2.91%3.48%4.04%Sep 18, 2026: 3.41% APYOct 10, 2026: 3.54% APYSep 18, 2026Oct 25, 2026
  • Oct 10, 20263.54%▲ from 3.41%
  • Sep 18, 20263.41%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1960 E Big Beaver Rd, Troy, MI 48083 2021
Term Certificate - 6 Months
$500
3.54% ▲ 0.67% above Michigan avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 0.67% above avgNationally 2.78%
Details

Term Certificates $500 and Above; Penalty for early withdrawal

Rate History
2 changes since Sep 14, 2026 · 3.41% → 3.54% ▲ 0.13 pts · high 3.54% / low 3.41%
2.91%3.48%4.04%Sep 14, 2026: 3.41% APYOct 1, 2026: 3.46% APYOct 10, 2026: 3.54% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20263.54%▲ from 3.46%
  • Oct 1, 20263.46%▲ from 3.41%
  • Sep 14, 20263.41%first recorded
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
751 E Big Beaver Road, Troy, MI 48083
Special Share Certificates - 6 Month
$0
3.50% ▲ 0.63% above Michigan avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.87%▲ 0.63% above avgNationally 2.78%
Details

Dividend rate 3.44%; APY 3.50%; A penalty may be imposed for early withdrawal

Rate History
No change since Oct 15, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 15, 2026: 3.50% APYOct 15, 2026Oct 25, 2026
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
255 E Maple Rd, Troy, MI 48083
6 Month Share Certificate
$500
3.50% ▲ 0.63% above Michigan avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 0.63% above avgNationally 2.78%
Details

Compounding: Monthly; Effective Date: 10/05/2026

Rate History
No change since Oct 9, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 9, 2026: 3.50% APYOct 9, 2026Oct 25, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
734 W Long Lake Rd, Troy, MI 48098
6 Month CD - VIP Bonus
$0
3.40% ▲ 0.53% above Michigan avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 0.53% above avgNationally 2.78%
Details

VIP Relationship Reward Bonus rate; where noted, CD rates include 0.25% MORE VIP Relationship Reward Bonus

Rate History
No change since Oct 13, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 25, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
734 W Long Lake Rd, Troy, MI 48098
6 Month IRA/HSA CD
$500
3.30% ▲ 0.43% above Michigan avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 0.43% above avgNationally 2.78%
Details

Rates as of 10/18/26

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
6 Month Certificate of Deposit
$0
3.30% ▲ 0.43% above Michigan avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.87%▲ 0.43% above avgNationally 2.78%
Details

Balance: $500-$2,499; Effective Date: March 13, 2025

Rate History
No change since Oct 22, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 22, 2026: 3.30% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
6 Month IRA Certificate of Deposit
$0
3.30% ▲ 0.43% above Michigan avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.87%▲ 0.43% above avgNationally 2.78%
Details

Balance: $2,500 - $9,999.99

Rate History
No change since Oct 22, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 22, 2026: 3.30% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
Certificate of Deposit - 6 Months
$0
3.30% ▲ 0.43% above Michigan avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.87%▲ 0.43% above avgNationally 2.78%
Details

Balance: $500 - $2,499

Rate History
No change since Oct 22, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 22, 2026: 3.30% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
IRA Certificate - 6 Months
$0
3.30% ▲ 0.43% above Michigan avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.87%▲ 0.43% above avgNationally 2.78%
Details

Standard Rates table; no balance tier stated

Rate History
No change since Oct 22, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 22, 2026: 3.30% APYOct 22, 2026Oct 25, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
734 W Long Lake Rd, Troy, MI 48098
6 Month CD
$0
3.15% ▲ 0.28% above Michigan avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 0.28% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 7 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Oct 25, 2026
Independent Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
201 W Big Beaver Rd, Troy, MI 48084
6-Month CD
$0
2.43% ▼ 0.44% below Michigan avg
View
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.87%▼ 0.44% below avgNationally 2.78%
Details

Interest Tier: $500 minimum; Effective October 14, 2026

Rate History
3 changes since Sep 18, 2026 · 2.17% → 2.43% ▲ 0.26 pts · high 2.43% / low 2.17%
1.67%2.30%2.93%Sep 18, 2026: 2.17% APYSep 24, 2026: 2.27% APYOct 2, 2026: 2.38% APYOct 14, 2026: 2.43% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20262.43%▲ from 2.38%
  • Oct 2, 20262.38%▲ from 2.27%
  • Sep 24, 20262.27%▲ from 2.17%
  • Sep 18, 20262.17%first recorded
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
5600 Crooks Rd Ste 101, Troy, MI 48098 2803
Share Certificate 6 Month
$0
2.00% ▼ 0.87% below Michigan avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.87%▼ 0.87% below avgNationally 2.78%
Details

Rate History
No change since Sep 12, 2026 · 2.00% APY · checked 9 times
1.50%2.00%2.50%Sep 12, 2026: 2.00% APYSep 12, 2026Oct 25, 2026
Valley Credit Union Salem, OR
Institution Rating:
C+4.2 ★Texas Ratio: 24.68%
5600 Crooks Rd, Troy, MI 48098
Share and IRA Certificates - 6 Month
$0
1.75% ▼ 1.12% below Michigan avg
View
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▼ 1.12% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 6 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 25, 2026
Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
4555 Investment Dr, Troy, MI 48098 6338
6 Month Grow-With-Me CD
$0
1.50% ▼ 1.37% below Michigan avg
View
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▼ 1.37% below avgNationally 2.78%
Details

$250 Minimum Average Daily Balance Required; automatically renews at maturity; 10-day grace period after maturity to withdraw without early withdrawal penalty

Rate History
No change since Sep 22, 2026 · 1.50% APY · checked 5 times
1.00%1.50%2.00%Sep 22, 2026: 1.50% APYSep 22, 2026Oct 25, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
1785 Rochester Rd, Troy, MI 48083
6 Month Youth Certificates
$0
0.90% ▼ 1.97% below Michigan avg
View
▼
Rate0.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▼ 1.97% below avgNationally 2.78%
Details

6 Month Certificate dividends paid at maturity; Penalties may apply for early withdrawal

Rate History
No change since Sep 18, 2026 · 0.90% APY · checked 2 times
0.40%0.90%1.40%Sep 18, 2026: 0.90% APYSep 18, 2026Oct 25, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
1785 Rochester Rd, Troy, MI 48083
Certificate of Deposit - 6 months
$1,000
0.90% ▼ 1.97% below Michigan avg
View
▼
Rate0.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▼ 1.97% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 0.90% APY · checked 8 times
0.40%0.90%1.40%Sep 14, 2026: 0.90% APYSep 14, 2026Oct 25, 2026
OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
6693 Rochester Rd, Troy, MI 48085
6 Month Term Share Account
$500
0.75% ▼ 2.12% below Michigan avg
View
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▼ 2.12% below avgNationally 2.78%
Details

Share Certificates; $500 minimum deposit to earn dividends; Effective Date: Sunday, October 18th, 2026

Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 7 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Oct 25, 2026
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
751 E Big Beaver Road, Troy, MI 48083
IRA Term Share Certificates - 6 Month Term
$0
0.20% ▼ 2.67% below Michigan avg
View
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.87%▼ 2.67% below avgNationally 2.78%
Details

Rate History
No change since Oct 15, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Oct 15, 2026: 0.20% APYOct 15, 2026Oct 25, 2026
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
751 E Big Beaver Road, Troy, MI 48083
Share Certificates - 6 Month Term
$0
0.20% ▼ 2.67% below Michigan avg
View
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.87%▼ 2.67% below avgNationally 2.78%
Details

A penalty may be imposed for early withdrawal

Rate History
No change since Oct 15, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Oct 15, 2026: 0.20% APYOct 15, 2026Oct 25, 2026
Community Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
30 E Long Lake Rd, Troy, MI 48085 4712
6-Month Certificate
$0
0.15% ▼ 2.72% below Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▼ 2.72% below avgNationally 2.78%
Details

Effective October 1, 2026

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 7 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 25, 2026
Community Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
30 E Long Lake Rd, Troy, MI 48085 4712
6-Month IRA Certificate
$100
0.15% ▼ 2.72% below Michigan avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▼ 2.72% below avgNationally 2.78%
Details

$100.00 minimum, no maximum; Penalty for early withdrawal applies; 6 month term subject to a 60 day dividend penalty; Effective October 1, 2026

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 7 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 25, 2026
Berkeley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
5600 Crooks Rd, Troy, MI 48098 2811
Share Certificate - 6 Months
$0
0.05% ▼ 2.82% below Michigan avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.87%▼ 2.82% below avgNationally 2.78%
Details

Balance to earn Dividend: $500; Rate/APY: 0.05%/0.05%

Rate History
No change since Oct 13, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 13, 2026: 0.05% APYOct 13, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
725 E Big Beaver Rd, Troy, MI 48083
Certificate of Deposit - 6 Months
$1,000
0.03% ▼ 2.84% below Michigan avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.87%▼ 2.84% below avgNationally 2.78%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
725 E Big Beaver Rd, Troy, MI 48083
IRA CD 6 Months
$250
0.03% ▼ 2.84% below Michigan avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.87%▼ 2.84% below avgNationally 2.78%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
725 E Big Beaver Rd, Troy, MI 48083
Certificate of Deposit - 6 Months
$1,000
0.02% ▼ 2.85% below Michigan avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.87%▼ 2.85% below avgNationally 2.78%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
725 E Big Beaver Rd, Troy, MI 48083
IRA CD 6 Months
$250
0.02% ▼ 2.85% below Michigan avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.87%▼ 2.85% below avgNationally 2.78%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
725 E Big Beaver Rd, Troy, MI 48083
Certificate of Deposit - 6 Months
$1,000
0.01% ▼ 2.86% below Michigan avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.87%▼ 2.86% below avgNationally 2.78%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
725 E Big Beaver Rd, Troy, MI 48083
IRA CD 6 Months
$250
0.01% ▼ 2.86% below Michigan avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.87%▼ 2.86% below avgNationally 2.78%
Details

Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 25, 2026
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
6 month - 4H or FFA CD
$0
5.05% ▲ 2.18% above Michigan avg
View
▼
Rate4.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 2.18% above avgNationally 2.78%
Details

Minimum: Amount of 4H or FFA - Youth Fair Participation Check, Max $5,000

Rate History
No change since Sep 14, 2026 · 5.05% APY · checked 9 times
4.55%5.05%5.55%Sep 14, 2026: 5.05% APYSep 14, 2026Oct 25, 2026
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
6 month SmartStart Youth CD
$100
5.00% ▲ 2.13% above Michigan avg
View
▼
Rate4.88%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 2.13% above avgNationally 2.78%
Details

Available for members under the age of 21; $100 - $2,000; 1 per member; Members may open a 2nd CD if joint owner has an Elite Checking Account

Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 3 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Oct 25, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
Rising Rate Certificate of Deposit - Third 6-month Term
$10,000
4.75% ▲ 1.88% above Michigan avg
View
▼
Rate4.65%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.87%▲ 1.88% above avgNationally 2.78%
Details

Third 6-month term; Interest is compounded monthly; 10-day option to withdraw at the end of each six-month term; penalty for early withdrawals applies at other times; no brokered deposits

Rate History
No change since Oct 7, 2026 · 4.75% APY · checked 6 times
4.25%4.75%5.25%Oct 7, 2026: 4.75% APYOct 7, 2026Oct 25, 2026
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
6 Month Share Certificates
$0
4.75% ▲ 1.88% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.87%▲ 1.88% above avgNationally 2.78%
Details

FEATURED RATE

Rate History
1 change since Sep 30, 2026 · 3.75% → 4.75% ▲ 1.00 pts · high 4.75% / low 3.75%
2.75%4.25%5.75%Sep 30, 2026: 3.75% APYOct 23, 2026: 4.75% APYSep 30, 2026Oct 25, 2026
  • Oct 23, 20264.75%▲ from 3.75%
  • Sep 30, 20263.75%first recorded
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
6 Month Youth Certificates 1
$0
4.75% ▲ 1.88% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.87%▲ 1.88% above avgNationally 2.78%
Details

FEATURED RATE; Penalties may apply for early withdrawals.

Rate History
No change since Oct 23, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 23, 2026: 4.75% APYOct 23, 2026Oct 25, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
Rising Rate Certificate of Deposit - Second 6-month Term
$10,000
4.50% ▲ 1.63% above Michigan avg
View
▼
Rate4.41%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.87%▲ 1.63% above avgNationally 2.78%
Details

Second 6-month term; Interest is compounded monthly; 10-day option to withdraw at the end of each six-month term; penalty for early withdrawals applies at other times; no brokered deposits

Rate History
No change since Oct 7, 2026 · 4.50% APY · checked 6 times
4.00%4.50%5.00%Oct 7, 2026: 4.50% APYOct 7, 2026Oct 25, 2026
Community Focus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
6 Month Certificate
$1,000
4.30% ▲ 1.43% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.87%▲ 1.43% above avgNationally 2.78%
Details

Share Certificate

Rate History
No change since Oct 22, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 22, 2026: 4.30% APYOct 22, 2026Oct 25, 2026
First National Bank of Michigan
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
Rising Rate Certificate of Deposit - First 6-month Term
$10,000
4.25% ▲ 1.38% above Michigan avg
View
▼
Rate4.17%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.87%▲ 1.38% above avgNationally 2.78%
Details

First 6-month term; Interest is compounded monthly; 10-day option to withdraw at the end of each six-month term; penalty for early withdrawals applies at other times; no brokered deposits

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 25, 2026
Kalsee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
6-Month Special - Platinum & VIP Members
$0
4.25% ▲ 1.38% above Michigan avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 1.38% above avgNationally 2.78%
Details

Platinum & VIP Members; Balance: $500 - $1,000,000

Rate History
No change since Oct 19, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 19, 2026: 4.25% APYOct 19, 2026Oct 25, 2026
Kalsee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
6-Month Special CD - Platinum & VIP
$500
4.25% ▲ 1.38% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 1.38% above avgNationally 2.78%
Details

Balance: $500 - $1,000,000; Platinum or VIP Members rate; Limited time promo; Kalsee Credit Union membership required

Rate History
No change since Oct 19, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 19, 2026: 4.25% APYOct 19, 2026Oct 25, 2026
DOW
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Simple CD - 6 Months
$500
4.25% ▲ 1.38% above Michigan avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 1.38% above avgNationally 2.78%
Details

Starting minimum deposit of $500; not eligible for Member Saver Reward

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 25, 2026
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
Jumbo Share Certificate - 6 months
$100,000
4.16% ▲ 1.29% above Michigan avg
View
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.87%▲ 1.29% above avgNationally 2.78%
Details

Minimum deposit of $100,000.00; Certificate specials will not renew at end of term; A penalty may be imposed for early withdrawal

Rate History
1 change since Sep 12, 2026 · 3.96% → 4.16% ▲ 0.20 pts · high 4.16% / low 3.96%
3.46%4.06%4.66%Sep 12, 2026: 3.96% APYOct 4, 2026: 4.16% APYSep 12, 2026Oct 25, 2026
  • Oct 4, 20264.16%▲ from 3.96%
  • Sep 12, 20263.96%first recorded
GR Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
6 Month Certificate
$500
4.15% ▲ 1.28% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.87%▲ 1.28% above avgNationally 2.78%
Details

Maximum purchase $250,000.00; Gold and Platinum members are eligible for bonus rates

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 14, 2026: 3.75% APYSep 22, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
  • Sep 22, 20264.15%▲ from 3.75%
  • Sep 14, 20263.75%first recorded

Troy 12 Month CD Rates

Michigan 12 Month CD Average3.11% APYNational 2.99%▼ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
5151 Corporate Dr, Troy, MI 48098
12-Month Business CD
$500
4.30% ▲ 1.19% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.11%▲ 1.19% above avgNationally 2.99%
Details

APY accurate as of 10/22/2026; maximum deposit $10 million; not available for public units; limited-time offer; early withdrawal penalties apply

Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Oct 14, 2026: 4.30% APYOct 14, 2026Oct 25, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
5151 Corporate Dr, Troy, MI 48098
12-Month CD
$500
4.30% ▲ 1.19% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.11%▲ 1.19% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.30% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.30%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
751 E Big Beaver Road, Troy, MI 48083
12 Month Share Certificate
$0
4.29% ▲ 1.18% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.11%▲ 1.18% above avgNationally 2.99%
Details

Special CD/Share Certificate Rates; Only new funds eligible for promotional rate. Qualifications apply.

Rate History
No change since Oct 8, 2026 · 4.29% APY · checked 2 times
3.79%4.29%4.79%Oct 8, 2026: 4.29% APYOct 8, 2026Oct 25, 2026
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
751 E Big Beaver Road, Troy, MI 48083
Special Share Certificates - 12 Month
$0
4.29% ▲ 1.18% above Michigan avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.11%▲ 1.18% above avgNationally 2.99%
Details

Dividend rate 4.21%; APY 4.29%; A penalty may be imposed for early withdrawal

Rate History
No change since Oct 15, 2026 · 4.29% APY · checked 2 times
3.79%4.29%4.79%Oct 15, 2026: 4.29% APYOct 15, 2026Oct 25, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1960 E Big Beaver Rd, Troy, MI 48083 2021
1 Year Youth Flex Certificate
$0
4.00% ▲ 0.89% above Michigan avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.89% above avgNationally 2.99%
Details

Ages: 0-21; Balance: $100 and above; Max Balance: $20,000; Additional deposits of $10 or more up to the max limit allowed per day; one time option to change the rate offered on the same product; one time option to withdraw up to 25% of principal with no penalty

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
1785 Rochester Rd, Troy, MI 48083
Youth Certificates - NEW MONEY GenGrow 12-month CD
$0
4.00% ▲ 0.89% above Michigan avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.89% above avgNationally 2.99%
Details

NEW MONEY offer; Available for ages 25 and under; Minimum balance to earn APY is $50; Funds must be new money not already on deposit at CCFCU or deposited via cash, check, ACH, or wire within five days prior to opening; Maximum CD amount is $25,000; One penalty-free withdrawal permitted per 12-month term

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1700 W Big Beaver Rd, Troy, MI 48084
Certificate of Deposit - 12 Month
$500
3.85% ▲ 0.74% above Michigan avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.11%▲ 0.74% above avgNationally 2.99%
Details

Rates as of September 28, 2026; Automatic renewal standard

Rate History
No change since Oct 14, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Oct 14, 2026: 3.85% APYOct 14, 2026Oct 25, 2026
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
363 W Big Beaver Rd, Troy, MI 48084
12 Month CD
$500
3.85% ▲ 0.74% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.11%▲ 0.74% above avgNationally 2.99%
Details

APY compounded quarterly; A penalty may be imposed for early withdrawal

Rate History
1 change since Sep 19, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
3.15%3.75%4.35%Sep 19, 2026: 3.65% APYOct 14, 2026: 3.85% APYSep 19, 2026Oct 25, 2026
  • Oct 14, 20263.85%▲ from 3.65%
  • Sep 19, 20263.65%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1960 E Big Beaver Rd, Troy, MI 48083 2021
Jumbo and Jumbo IRA Certificates - 1 Year
$0
3.84% ▲ 0.73% above Michigan avg
View
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.73% above avgNationally 2.99%
Details

Balance: $100,000 and over; Penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.85% → 3.84% ▼ 0.01 pts · high 3.85% / low 3.84%
3.34%3.84%4.35%Sep 14, 2026: 3.85% APYOct 19, 2026: 3.84% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.84%▼ from 3.85%
  • Sep 14, 20263.85%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1960 E Big Beaver Rd, Troy, MI 48083 2021
Jumbo Certificate - 1 Year
$100,000
3.84% ▲ 0.73% above Michigan avg
View
▼
Rate3.79%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.73% above avgNationally 2.99%
Details

Minimum balance $100,000 to open and earn APY; penalty for early withdrawal

Rate History
No change since Oct 19, 2026 · 3.84% APY
3.34%3.84%4.34%Oct 19, 2026: 3.84% APYOct 19, 2026Oct 25, 2026
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
2889 E Maple Rd, Troy, MI 48083
1 Year Certificate
$500
3.80% ▲ 0.69% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.11%▲ 0.69% above avgNationally 2.99%
Details

APY as high as 4.00%; Rates may increase .2% when a member qualifies for loyalty benefits

Rate History
1 change since Sep 21, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75%
3.25%3.78%4.30%Sep 21, 2026: 3.75% APYOct 5, 2026: 3.80% APYSep 21, 2026Oct 25, 2026
  • Oct 5, 20263.80%▲ from 3.75%
  • Sep 21, 20263.75%first recorded
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
2889 E Maple Rd, Troy, MI 48083
IRA 1 Year Certificate
$0
3.80% ▲ 0.69% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.11%▲ 0.69% above avgNationally 2.99%
Details

APY as high as: 4.00%; Effective Date: Friday, October 23rd, 2026

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75%
3.25%3.78%4.30%Sep 14, 2026: 3.75% APYOct 13, 2026: 3.80% APYSep 14, 2026Oct 25, 2026
  • Oct 13, 20263.80%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1960 E Big Beaver Rd, Troy, MI 48083 2021
IRA Certificate - 1 Year
$500
3.79% ▲ 0.68% above Michigan avg
View
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.68% above avgNationally 2.99%
Details

$500 minimum balance to open and earn APY; Penalty for early withdrawal; Source caption reads IRA Certificates but rows sit under Term Certificates $500 and Above heading

Rate History
1 change since Sep 18, 2026 · 3.80% → 3.79% ▼ 0.01 pts · high 3.80% / low 3.79%
3.29%3.80%4.30%Sep 18, 2026: 3.80% APYOct 10, 2026: 3.79% APYSep 18, 2026Oct 25, 2026
  • Oct 10, 20263.79%▼ from 3.80%
  • Sep 18, 20263.80%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1960 E Big Beaver Rd, Troy, MI 48083 2021
Term Certificate - 1 Year
$500
3.79% ▲ 0.68% above Michigan avg
View
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.68% above avgNationally 2.99%
Details

Term Certificates $500 and Above; Penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.79% ▼ 0.01 pts · high 3.80% / low 3.79%
3.29%3.80%4.30%Sep 14, 2026: 3.80% APYOct 10, 2026: 3.79% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20263.79%▼ from 3.80%
  • Sep 14, 20263.80%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1960 E Big Beaver Rd, Troy, MI 48083 2021
Flex Certificate - 1 Year
$0
3.70% ▲ 0.59% above Michigan avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.59% above avgNationally 2.99%
Details

Balance: $100 and above; Additional deposits of $10 to $25,000 allowed per day; one time option to change the rate offered on the same product; one time option to withdraw up to 25% of principal with no penalty; penalty for early withdrawal

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 25, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
734 W Long Lake Rd, Troy, MI 48098
12 Month IRA/HSA CD - VIP Bonus
$500
3.60% ▲ 0.49% above Michigan avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.49% above avgNationally 2.99%
Details

VIP Relationship Reward Bonus; Rates as of 10/18/26

Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 25, 2026
Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
3001 W Big Beaver Rd, Troy, MI 48084
12 Month Fixed IRA
$0
3.50% ▲ 0.39% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.11%▲ 0.39% above avgNationally 2.99%
Details

Balance: $2,500 - $250,000; Maximum balance: $250,000

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
2889 E Maple Rd, Troy, MI 48083
IRA 1 Year Term Adjusted Quarterly
$0
3.50% ▲ 0.39% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.11%▲ 0.39% above avgNationally 2.99%
Details

APY as high as: 3.50%; Effective Date: Friday, October 23rd, 2026

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.50% ▼ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.75% APYOct 13, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
  • Oct 13, 20263.50%▼ from 3.75%
  • Sep 14, 20263.75%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
734 W Long Lake Rd, Troy, MI 48098
12 Month CD - VIP Bonus
$0
3.45% ▲ 0.34% above Michigan avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.34% above avgNationally 2.99%
Details

VIP Relationship Reward Bonus rate; where noted, CD rates include 0.25% MORE VIP Relationship Reward Bonus

Rate History
No change since Oct 13, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 13, 2026: 3.45% APYOct 13, 2026Oct 25, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
734 W Long Lake Rd, Troy, MI 48098
12 Month IRA/HSA CD
$500
3.35% ▲ 0.24% above Michigan avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.24% above avgNationally 2.99%
Details

Rates as of 10/18/26

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 7 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 25, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
125 Stephenson Hwy, Troy, MI 48083
1 Year Online CD
$0
3.25% ▲ 0.14% above Michigan avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.11%▲ 0.14% above avgNationally 2.99%
Details

Interest rate 3.20%; interest compounded daily and paid monthly

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 9 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 25, 2026
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.17%
5600 Crooks Rd Ste 101, Troy, MI 48098
C.D. (1 year)
$0
3.25% ▲ 0.14% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.14% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
734 W Long Lake Rd, Troy, MI 48098
12 Month CD
$0
3.20% ▲ 0.09% above Michigan avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▲ 0.09% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 7 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
12 Month Certificate of Deposit
$0
3.04% ▼ 0.07% below Michigan avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.11%▼ 0.07% below avgNationally 2.99%
Details

Balance: $500 - $2,499; Effective Date: March 13, 2025

Rate History
No change since Oct 22, 2026 · 3.04% APY
2.54%3.04%3.54%Oct 22, 2026: 3.04% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
12 Month IRA Certificate of Deposit
$0
3.04% ▼ 0.07% below Michigan avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.11%▼ 0.07% below avgNationally 2.99%
Details

Balance: $25,000 - $49,999; Effective Date: March 13, 2025

Rate History
No change since Oct 22, 2026 · 3.04% APY
2.54%3.04%3.54%Oct 22, 2026: 3.04% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
Certificate of Deposit - 12 Months
$0
3.04% ▼ 0.07% below Michigan avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.11%▼ 0.07% below avgNationally 2.99%
Details

Balance: $500-$2,499

Rate History
No change since Oct 22, 2026 · 3.04% APY
2.54%3.04%3.54%Oct 22, 2026: 3.04% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
IRA Certificate of Deposit - 12 Months
$0
3.04% ▼ 0.07% below Michigan avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.11%▼ 0.07% below avgNationally 2.99%
Details

Balance: $500 - $2,499; Effective Date: March 13, 2025

Rate History
No change since Oct 22, 2026 · 3.04% APY
2.54%3.04%3.54%Oct 22, 2026: 3.04% APYOct 22, 2026Oct 25, 2026
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
255 E Maple Rd, Troy, MI 48083
12 Month Share Certificate
$500
3.00% ▼ 0.11% below Michigan avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▼ 0.11% below avgNationally 2.99%
Details

Compounding: Monthly; Effective Date: 10/05/2026

Rate History
No change since Oct 9, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 9, 2026: 3.00% APYOct 9, 2026Oct 25, 2026
Independent Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
201 W Big Beaver Rd, Troy, MI 48084
12-Month CD
$0
2.68% ▼ 0.43% below Michigan avg
View
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.11%▼ 0.43% below avgNationally 2.99%
Details

Interest Tier: $500 minimum; Effective October 14, 2026

Rate History
3 changes since Sep 18, 2026 · 2.32% → 2.68% ▲ 0.36 pts · high 2.68% / low 2.32%
1.82%2.50%3.18%Sep 18, 2026: 2.32% APYSep 24, 2026: 2.43% APYOct 2, 2026: 2.58% APYOct 14, 2026: 2.68% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20262.68%▲ from 2.58%
  • Oct 2, 20262.58%▲ from 2.43%
  • Sep 24, 20262.43%▲ from 2.32%
  • Sep 18, 20262.32%first recorded
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
5600 Crooks Rd Ste 101, Troy, MI 48098 2803
Share Certificate 12 Month
$0
2.25% ▼ 0.86% below Michigan avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.11%▼ 0.86% below avgNationally 2.99%
Details

Rate History
No change since Sep 12, 2026 · 2.25% APY · checked 9 times
1.75%2.25%2.75%Sep 12, 2026: 2.25% APYSep 12, 2026Oct 25, 2026
Valley Credit Union Salem, OR
Institution Rating:
C+4.2 ★Texas Ratio: 24.68%
5600 Crooks Rd, Troy, MI 48098
Share and IRA Certificates - 1 Year
$0
2.00% ▼ 1.11% below Michigan avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▼ 1.11% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 25, 2026
Valley Credit Union Salem, OR
Institution Rating:
C+4.2 ★Texas Ratio: 24.68%
5600 Crooks Rd, Troy, MI 48098
1 Year Bump Up Certificates
$0
1.90% ▼ 1.21% below Michigan avg
View
▼
Rate1.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▼ 1.21% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 1.90% APY · checked 7 times
1.40%1.90%2.40%Sep 14, 2026: 1.90% APYSep 14, 2026Oct 25, 2026
Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
4555 Investment Dr, Troy, MI 48098 6338
1 Year Grow-With-Me CD
$0
1.75% ▼ 1.36% below Michigan avg
View
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▼ 1.36% below avgNationally 2.99%
Details

$250 Minimum Average Daily Balance Required; automatically renews at maturity; 10-day grace period after maturity to withdraw without early withdrawal penalty

Rate History
No change since Sep 22, 2026 · 1.75% APY · checked 5 times
1.25%1.75%2.25%Sep 22, 2026: 1.75% APYSep 22, 2026Oct 25, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
1785 Rochester Rd, Troy, MI 48083
12 Month Jumbo Certificate
$0
1.26% ▼ 1.85% below Michigan avg
View
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▼ 1.85% below avgNationally 2.99%
Details

Dividends paid quarterly; Penalties may apply for early withdrawal

Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 8 times
0.76%1.26%1.76%Sep 14, 2026: 1.26% APYSep 14, 2026Oct 25, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
1785 Rochester Rd, Troy, MI 48083
12 Month Youth Certificates
$0
1.26% ▼ 1.85% below Michigan avg
View
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▼ 1.85% below avgNationally 2.99%
Details

Dividends paid quarterly; Penalties may apply for early withdrawal

Rate History
No change since Sep 18, 2026 · 1.26% APY · checked 2 times
0.76%1.26%1.76%Sep 18, 2026: 1.26% APYSep 18, 2026Oct 25, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
1785 Rochester Rd, Troy, MI 48083
Certificate of Deposit - 12 months
$1,000
1.26% ▼ 1.85% below Michigan avg
View
▼
Rate1.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▼ 1.85% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 8 times
0.76%1.26%1.76%Sep 14, 2026: 1.26% APYSep 14, 2026Oct 25, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
1785 Rochester Rd, Troy, MI 48083
Individual Retirement Account (IRA) - 12 months
$0
1.26% ▼ 1.85% below Michigan avg
View
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▼ 1.85% below avgNationally 2.99%
Details

Rate History
No change since Oct 14, 2026 · 1.26% APY · checked 2 times
0.76%1.26%1.76%Oct 14, 2026: 1.26% APYOct 14, 2026Oct 25, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
1785 Rochester Rd, Troy, MI 48083
Jumbo IRA Certificates - 12 months
$0
1.26% ▼ 1.85% below Michigan avg
View
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▼ 1.85% below avgNationally 2.99%
Details

Rate History
No change since Oct 14, 2026 · 1.26% APY · checked 2 times
0.76%1.26%1.76%Oct 14, 2026: 1.26% APYOct 14, 2026Oct 25, 2026
OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
6693 Rochester Rd, Troy, MI 48085
12 Month Term Share Account
$500
1.00% ▼ 2.11% below Michigan avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▼ 2.11% below avgNationally 2.99%
Details

Share Certificates; $500 minimum deposit to earn dividends; Effective Date: Sunday, October 18th, 2026

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 25, 2026
OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
6693 Rochester Rd, Troy, MI 48085
Term Share IRAs - 1 Year Fixed Rate Term
$500
1.00% ▼ 2.11% below Michigan avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▼ 2.11% below avgNationally 2.99%
Details

Effective Date: Sunday, October 18th, 2026; $500 minimum deposit to earn dividends

Rate History
No change since Oct 13, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 13, 2026: 1.00% APYOct 13, 2026Oct 25, 2026
OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
6693 Rochester Rd, Troy, MI 48085
Term Share IRAs - Roth IRA - 12 Month Term
$500
1.00% ▼ 2.11% below Michigan avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▼ 2.11% below avgNationally 2.99%
Details

Effective Date: Sunday, October 18th, 2026; $500 minimum deposit to earn dividends

Rate History
No change since Oct 19, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 19, 2026: 1.00% APYOct 19, 2026Oct 25, 2026
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
5600 Crooks Rd Ste 101, Troy, MI 48098 2803
Safari Saver 12 Month Share Certificate
$0
0.40% ▼ 2.71% below Michigan avg
View
▼
Rate0.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.11%▼ 2.71% below avgNationally 2.99%
Details

Rate History
No change since Sep 12, 2026 · 0.40% APY · checked 9 times
0.00%0.45%0.90%Sep 12, 2026: 0.40% APYSep 12, 2026Oct 25, 2026
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
751 E Big Beaver Road, Troy, MI 48083
IRA Term Share Certificates - 12 Month Term
$0
0.30% ▼ 2.81% below Michigan avg
View
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.11%▼ 2.81% below avgNationally 2.99%
Details

Rate History
No change since Oct 15, 2026 · 0.30% APY · checked 2 times
0.00%0.40%0.80%Oct 15, 2026: 0.30% APYOct 15, 2026Oct 25, 2026
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
751 E Big Beaver Road, Troy, MI 48083
Share Certificates - 12 Month Term
$0
0.30% ▼ 2.81% below Michigan avg
View
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.11%▼ 2.81% below avgNationally 2.99%
Details

A penalty may be imposed for early withdrawal

Rate History
No change since Oct 15, 2026 · 0.30% APY · checked 2 times
0.00%0.40%0.80%Oct 15, 2026: 0.30% APYOct 15, 2026Oct 25, 2026
Community Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
30 E Long Lake Rd, Troy, MI 48085 4712
1-Year Certificate
$0
0.25% ▼ 2.86% below Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▼ 2.86% below avgNationally 2.99%
Details

Effective October 1, 2026

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 7 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 25, 2026
Community Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
30 E Long Lake Rd, Troy, MI 48085 4712
1-Year IRA Certificate
$100
0.25% ▼ 2.86% below Michigan avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.11%▼ 2.86% below avgNationally 2.99%
Details

$100.00 minimum, no maximum; Penalty for early withdrawal applies; 1 year term subject to a 90 day dividend penalty; Effective October 1, 2026

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 7 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 25, 2026
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
5600 Crooks Rd Ste 101, Troy, MI 48098 2803
IRA Share Certificate 12 Month
$0
0.15% ▼ 2.96% below Michigan avg
View
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.11%▼ 2.96% below avgNationally 2.99%
Details

Rate History
No change since Sep 12, 2026 · 0.15% APY · checked 9 times
0.00%0.33%0.65%Sep 12, 2026: 0.15% APYSep 12, 2026Oct 25, 2026
Berkeley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
5600 Crooks Rd, Troy, MI 48098 2811
Share Certificate - 12 Months
$0
0.10% ▼ 3.01% below Michigan avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.11%▼ 3.01% below avgNationally 2.99%
Details

Balance to earn Dividend: $500; Rate/APY: 0.10%/0.10%

Rate History
No change since Oct 13, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 13, 2026: 0.10% APYOct 13, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
725 E Big Beaver Rd, Troy, MI 48083
Certificate of Deposit - 12 Months
$1,000
0.03% ▼ 3.08% below Michigan avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.11%▼ 3.08% below avgNationally 2.99%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
725 E Big Beaver Rd, Troy, MI 48083
IRA CD 12 Months
$250
0.03% ▼ 3.08% below Michigan avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.11%▼ 3.08% below avgNationally 2.99%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026

Troy 18 Month CD Rates

Michigan 18 Month CD Average3.04% APYNational 2.88%▼ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
751 E Big Beaver Road, Troy, MI 48083
18 Month Share Certificate
$0
4.29% ▲ 1.25% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.04%▲ 1.25% above avgNationally 2.88%
Details

Special CD/Share Certificate Rates; Only new funds eligible for promotional rate. Qualifications apply.

Rate History
No change since Oct 8, 2026 · 4.29% APY · checked 2 times
3.79%4.29%4.79%Oct 8, 2026: 4.29% APYOct 8, 2026Oct 25, 2026
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
751 E Big Beaver Road, Troy, MI 48083
Special Share Certificates - 18 Month
$0
4.29% ▲ 1.25% above Michigan avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.04%▲ 1.25% above avgNationally 2.88%
Details

Dividend rate 4.21%; APY 4.29%; A penalty may be imposed for early withdrawal

Rate History
No change since Oct 15, 2026 · 4.29% APY · checked 2 times
3.79%4.29%4.79%Oct 15, 2026: 4.29% APYOct 15, 2026Oct 25, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
5151 Corporate Dr, Troy, MI 48098
18-Month CD
$500
4.25% ▲ 1.21% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▲ 1.21% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 25, 2026
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
5600 Crooks Rd Ste 100, Troy, MI 48098 2811
Share Certificate - 18 Months
$1,000
4.10% ▲ 1.06% above Michigan avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.04%▲ 1.06% above avgNationally 2.88%
Details

*APR = Annual Percentage Rate; **APY = Annual Percentage Yield

Rate History
No change since Sep 12, 2026 · 4.10% APY · checked 9 times
3.60%4.10%4.60%Sep 12, 2026: 4.10% APYSep 12, 2026Oct 25, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1960 E Big Beaver Rd, Troy, MI 48083 2021
Jumbo and Jumbo IRA Certificates - 18 Months
$0
4.01% ▲ 0.97% above Michigan avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.97% above avgNationally 2.88%
Details

Balance: $100,000 and over; Penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 3 times
3.51%4.01%4.51%Sep 14, 2026: 4.01% APYSep 14, 2026Oct 25, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1960 E Big Beaver Rd, Troy, MI 48083 2021
Jumbo Certificate - 18 Months
$100,000
4.01% ▲ 0.97% above Michigan avg
View
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.97% above avgNationally 2.88%
Details

Minimum balance $100,000 to open and earn APY; penalty for early withdrawal

Rate History
No change since Oct 19, 2026 · 4.01% APY
3.51%4.01%4.51%Oct 19, 2026: 4.01% APYOct 19, 2026Oct 25, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1960 E Big Beaver Rd, Troy, MI 48083 2021
18 Month Term Certificate
$500
3.96% ▲ 0.92% above Michigan avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.92% above avgNationally 2.88%
Details

Penalty for early withdrawal

Rate History
No change since Oct 10, 2026 · 3.96% APY · checked 2 times
3.46%3.96%4.46%Oct 10, 2026: 3.96% APYOct 10, 2026Oct 25, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1960 E Big Beaver Rd, Troy, MI 48083 2021
IRA Certificate - 18 Months
$500
3.96% ▲ 0.92% above Michigan avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.92% above avgNationally 2.88%
Details

$500 minimum balance to open and earn APY; Penalty for early withdrawal; Source caption reads IRA Certificates but rows sit under Term Certificates $500 and Above heading

Rate History
No change since Sep 18, 2026 · 3.96% APY · checked 6 times
3.46%3.96%4.46%Sep 18, 2026: 3.96% APYSep 18, 2026Oct 25, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1960 E Big Beaver Rd, Troy, MI 48083 2021
Term Certificate - 18 Months
$500
3.96% ▲ 0.92% above Michigan avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.92% above avgNationally 2.88%
Details

Term Certificates $500 and Above; Penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 8 times
3.46%3.96%4.46%Sep 14, 2026: 3.96% APYSep 14, 2026Oct 25, 2026
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
363 W Big Beaver Rd, Troy, MI 48084
18 Month CD
$500
3.95% ▲ 0.91% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▲ 0.91% above avgNationally 2.88%
Details

APY compounded quarterly; A penalty may be imposed for early withdrawal

Rate History
1 change since Sep 19, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75%
3.25%3.85%4.45%Sep 19, 2026: 3.75% APYOct 14, 2026: 3.95% APYSep 19, 2026Oct 25, 2026
  • Oct 14, 20263.95%▲ from 3.75%
  • Sep 19, 20263.75%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
734 W Long Lake Rd, Troy, MI 48098
18 Month IRA/HSA CD - VIP Bonus
$500
3.65% ▲ 0.61% above Michigan avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.61% above avgNationally 2.88%
Details

VIP Relationship Reward Bonus; Rates as of 10/18/26

Rate History
No change since Oct 13, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 25, 2026
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1700 W Big Beaver Rd, Troy, MI 48084
Certificate of Deposit - 18 Month
$500
3.60% ▲ 0.56% above Michigan avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▲ 0.56% above avgNationally 2.88%
Details

Rates as of September 28, 2026; Automatic renewal standard

Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 14, 2026: 3.60% APYOct 14, 2026Oct 25, 2026
Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
3001 W Big Beaver Rd, Troy, MI 48084
18-Month CD Special
$1,000
3.50% ▲ 0.46% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▲ 0.46% above avgNationally 2.88%
Details

Maximum balance: No maximum balance; at maturity renews as a 18 month CD; APY assumes interest remains on deposit until maturity; limited time offer

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
734 W Long Lake Rd, Troy, MI 48098
18 Month CD - VIP Bonus
$0
3.50% ▲ 0.46% above Michigan avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.46% above avgNationally 2.88%
Details

VIP Relationship Reward Bonus rate; where noted, CD rates include 0.25% MORE VIP Relationship Reward Bonus

Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 25, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
734 W Long Lake Rd, Troy, MI 48098
18 Month IRA/HSA CD
$500
3.40% ▲ 0.36% above Michigan avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.36% above avgNationally 2.88%
Details

Rates as of 10/18/26

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
18 Month Certificate of Deposit
$0
3.30% ▲ 0.26% above Michigan avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▲ 0.26% above avgNationally 2.88%
Details

Balance: $100,000+

Rate History
No change since Oct 22, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 22, 2026: 3.30% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
Certificate of Deposit - 18 Months
$0
3.30% ▲ 0.26% above Michigan avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▲ 0.26% above avgNationally 2.88%
Details

Standard Rates

Rate History
No change since Oct 22, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 22, 2026: 3.30% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
IRA Certificate of Deposit - 18 Months
$0
3.30% ▲ 0.26% above Michigan avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▲ 0.26% above avgNationally 2.88%
Details

Balance: $100,000 and over; Effective Date: March 13, 2024

Rate History
No change since Oct 22, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 22, 2026: 3.30% APYOct 22, 2026Oct 25, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
734 W Long Lake Rd, Troy, MI 48098
18 Month CD
$0
3.25% ▲ 0.21% above Michigan avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.21% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
18 Month Certificate of Deposit
$500
3.15% ▲ 0.11% above Michigan avg
View
▼
Rate3.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▲ 0.11% above avgNationally 2.88%
Details

Balance: $50,000-$99,999; Effective Date: March 13, 2025

Rate History
No change since Oct 22, 2026 · 3.15% APY
2.65%3.15%3.65%Oct 22, 2026: 3.15% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
18 Month IRA Certificate
$0
3.15% ▲ 0.11% above Michigan avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▲ 0.11% above avgNationally 2.88%
Details

Rate History
No change since Oct 22, 2026 · 3.15% APY
2.65%3.15%3.65%Oct 22, 2026: 3.15% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
Certificate of Deposit - 18 Months
$0
3.15% ▲ 0.11% above Michigan avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▲ 0.11% above avgNationally 2.88%
Details

Balance: $50,000-$99,999; Effective Date: March 13, 2025

Rate History
No change since Oct 22, 2026 · 3.15% APY
2.65%3.15%3.65%Oct 22, 2026: 3.15% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
18 Month Certificate of Deposit
$500
3.04% At Michigan avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%At the averageNationally 2.88%
Details

Balance: $25,000-$49,999; Effective Date: March 13, 2025

Rate History
No change since Oct 22, 2026 · 3.04% APY
2.54%3.04%3.54%Oct 22, 2026: 3.04% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
IRA Certificate - 18 Months
$0
3.04% At Michigan avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%At the averageNationally 2.88%
Details

Standard Rates table; no balance tier stated

Rate History
No change since Oct 22, 2026 · 3.04% APY
2.54%3.04%3.54%Oct 22, 2026: 3.04% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
18 Month Certificate of Deposit
$10,000
2.71% ▼ 0.33% below Michigan avg
View
▼
Rate2.68%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▼ 0.33% below avgNationally 2.88%
Details

$10,000-$24,999 tier

Rate History
No change since Oct 22, 2026 · 2.71% APY
2.21%2.71%3.21%Oct 22, 2026: 2.71% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
Certificate of Deposit - 18 Months
$0
2.71% ▼ 0.33% below Michigan avg
View
▼
Rate2.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▼ 0.33% below avgNationally 2.88%
Details

Balance: $10,000 - $24,999; Effective Date: March 13, 2025

Rate History
No change since Oct 22, 2026 · 2.71% APY
2.21%2.71%3.21%Oct 22, 2026: 2.71% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
18 Month Certificate of Deposit
$0
2.53% ▼ 0.51% below Michigan avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▼ 0.51% below avgNationally 2.88%
Details

Balance: $500-$2,499; Effective Date: March 13, 2025

Rate History
No change since Oct 22, 2026 · 2.53% APY
2.03%2.53%3.03%Oct 22, 2026: 2.53% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
Certificate of Deposit - 18 Months
$0
2.53% ▼ 0.51% below Michigan avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▼ 0.51% below avgNationally 2.88%
Details

Balance: $500-$2,499

Rate History
No change since Oct 22, 2026 · 2.53% APY
2.03%2.53%3.03%Oct 22, 2026: 2.53% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
IRA Certificate of Deposit - 18 Months
$0
2.53% ▼ 0.51% below Michigan avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▼ 0.51% below avgNationally 2.88%
Details

Balance: $2,500 - $9,999; Effective Date: March 13, 2025

Rate History
No change since Oct 22, 2026 · 2.53% APY
2.03%2.53%3.03%Oct 22, 2026: 2.53% APYOct 22, 2026Oct 25, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
1785 Rochester Rd, Troy, MI 48083
18 Month Jumbo Certificate
$0
1.36% ▼ 1.68% below Michigan avg
View
▼
Rate1.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▼ 1.68% below avgNationally 2.88%
Details

Dividends paid quarterly; Penalties may apply for early withdrawal

Rate History
No change since Sep 14, 2026 · 1.36% APY · checked 8 times
0.86%1.36%1.86%Sep 14, 2026: 1.36% APYSep 14, 2026Oct 25, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
1785 Rochester Rd, Troy, MI 48083
Certificate of Deposit - 18 months
$1,000
1.36% ▼ 1.68% below Michigan avg
View
▼
Rate1.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▼ 1.68% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 1.36% APY · checked 8 times
0.86%1.36%1.86%Sep 14, 2026: 1.36% APYSep 14, 2026Oct 25, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
1785 Rochester Rd, Troy, MI 48083
Individual Retirement Account (IRA) - 18 months
$0
1.36% ▼ 1.68% below Michigan avg
View
▼
Rate1.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▼ 1.68% below avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 1.36% APY · checked 2 times
0.86%1.36%1.86%Oct 14, 2026: 1.36% APYOct 14, 2026Oct 25, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
1785 Rochester Rd, Troy, MI 48083
Jumbo IRA Certificates - 18 months
$0
1.36% ▼ 1.68% below Michigan avg
View
▼
Rate1.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▼ 1.68% below avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 1.36% APY · checked 2 times
0.86%1.36%1.86%Oct 14, 2026: 1.36% APYOct 14, 2026Oct 25, 2026
OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
6693 Rochester Rd, Troy, MI 48085
18 Month Term Share Account
$500
1.10% ▼ 1.94% below Michigan avg
View
▼
Rate1.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▼ 1.94% below avgNationally 2.88%
Details

Share Certificates; $500 minimum deposit to earn dividends; Effective Date: Sunday, October 18th, 2026

Rate History
No change since Sep 14, 2026 · 1.10% APY · checked 7 times
0.60%1.10%1.60%Sep 14, 2026: 1.10% APYSep 14, 2026Oct 25, 2026
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
751 E Big Beaver Road, Troy, MI 48083
IRA Term Share Certificates - 18 Month Term
$0
0.35% ▼ 2.69% below Michigan avg
View
▼
Rate0.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.04%▼ 2.69% below avgNationally 2.88%
Details

Rate History
No change since Oct 15, 2026 · 0.35% APY · checked 2 times
0.00%0.43%0.85%Oct 15, 2026: 0.35% APYOct 15, 2026Oct 25, 2026
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
751 E Big Beaver Road, Troy, MI 48083
Share Certificates - 18 Month Term
$0
0.35% ▼ 2.69% below Michigan avg
View
▼
Rate0.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.04%▼ 2.69% below avgNationally 2.88%
Details

A penalty may be imposed for early withdrawal

Rate History
No change since Oct 15, 2026 · 0.35% APY · checked 2 times
0.00%0.43%0.85%Oct 15, 2026: 0.35% APYOct 15, 2026Oct 25, 2026
Berkeley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
5600 Crooks Rd, Troy, MI 48098 2811
Share Certificate - 18 Months
$0
0.15% ▼ 2.89% below Michigan avg
View
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.04%▼ 2.89% below avgNationally 2.88%
Details

Balance to earn Dividend: $500; Rate/APY: 0.15%/0.15%

Rate History
No change since Oct 13, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 13, 2026: 0.15% APYOct 13, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
725 E Big Beaver Rd, Troy, MI 48083
Certificate of Deposit - 18 Months
$1,000
0.03% ▼ 3.01% below Michigan avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▼ 3.01% below avgNationally 2.88%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
725 E Big Beaver Rd, Troy, MI 48083
IRA CD 18 Months
$250
0.03% ▼ 3.01% below Michigan avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▼ 3.01% below avgNationally 2.88%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
725 E Big Beaver Rd, Troy, MI 48083
Certificate of Deposit - 18 Months
$1,000
0.02% ▼ 3.02% below Michigan avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▼ 3.02% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
725 E Big Beaver Rd, Troy, MI 48083
IRA CD 18 Months
$250
0.02% ▼ 3.02% below Michigan avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▼ 3.02% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
725 E Big Beaver Rd, Troy, MI 48083
Certificate of Deposit - 18 Months
$1,000
0.01% ▼ 3.03% below Michigan avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▼ 3.03% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
725 E Big Beaver Rd, Troy, MI 48083
IRA CD 18 Months
$250
0.01% ▼ 3.03% below Michigan avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▼ 3.03% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 25, 2026
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
18-Month Special - Military
$0
5.25% ▲ 2.21% above Michigan avg
View
▼
Rate5.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 2.21% above avgNationally 2.88%
Details

Military rate; requires full direct deposit of $2,000 or more into checking; military status verification required; At maturity, the CD will be renewed into a 24-month CD.

Rate History
No change since Oct 9, 2026 · 5.25% APY · checked 4 times
4.75%5.25%5.75%Oct 9, 2026: 5.25% APYOct 9, 2026Oct 25, 2026
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
18 Month Certificate
$500
4.50% ▲ 1.46% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.46% above avgNationally 2.88%
Details

Dividends compounded and credited monthly; Rates effective as of October 19, 2026

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10%
3.60%4.30%5.00%Sep 14, 2026: 4.10% APYSep 29, 2026: 4.50% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20264.50%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Christian Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Certificates of Deposit - 18 Month
$0
4.50% ▲ 1.46% above Michigan avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.46% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 25, 2026
CIBC
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
18-month CD
$1,000
4.45% ▲ 1.41% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▲ 1.41% above avgNationally 2.88%
Details

Online Only; 30-day penalty if withdrawn before maturity

Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.45% ▲ 0.45 pts · high 4.45% / low 4.00%
3.50%4.23%4.95%Sep 14, 2026: 4.00% APYSep 24, 2026: 4.15% APYOct 20, 2026: 4.45% APYSep 14, 2026Oct 25, 2026
  • Oct 20, 20264.45%▲ from 4.15%
  • Sep 24, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Certificate of Deposit - 18 Month
$0
4.40% ▲ 1.36% above Michigan avg
View
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▲ 1.36% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 18, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
3.70%4.30%4.90%Sep 18, 2026: 4.20% APYSep 24, 2026: 4.30% APYOct 14, 2026: 4.40% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20264.40%▲ from 4.30%
  • Sep 24, 20264.30%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Time Certificate of Deposit - 18 Month
$0
4.40% ▲ 1.36% above Michigan avg
View
▼
Rate4.33%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▲ 1.36% above avgNationally 2.88%
Details

East Lansing Rates

Rate History
1 change since Oct 7, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Oct 7, 2026: 4.30% APYOct 14, 2026: 4.40% APYOct 7, 2026Oct 25, 2026
  • Oct 14, 20264.40%▲ from 4.30%
  • Oct 7, 20264.30%first recorded
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 18 Month
$2,500
4.25% ▲ 1.21% above Michigan avg
View
▼
Rate4.18%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▲ 1.21% above avgNationally 2.88%
Details

Relationship CD; relationship defined as Direct Deposit Checking; Minimum $2500 to open

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
3.60%4.18%4.75%Sep 14, 2026: 4.10% APYSep 24, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.25%▲ from 4.10%
  • Sep 14, 20264.10%first recorded

Troy 24 Month CD Rates

Michigan 24 Month CD Average2.96% APYNational 2.90%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
751 E Big Beaver Road, Troy, MI 48083
24 Month Share Certificate
$0
4.45% ▲ 1.49% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.96%▲ 1.49% above avgNationally 2.90%
Details

Special CD/Share Certificate Rates; Only new funds eligible for promotional rate. Qualifications apply.

Rate History
No change since Oct 8, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 8, 2026: 4.45% APYOct 8, 2026Oct 25, 2026
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
751 E Big Beaver Road, Troy, MI 48083
Special Share Certificates - 24 Month
$0
4.45% ▲ 1.49% above Michigan avg
View
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.96%▲ 1.49% above avgNationally 2.90%
Details

Dividend rate 4.36%; APY 4.45%; A penalty may be imposed for early withdrawal

Rate History
No change since Oct 15, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 15, 2026: 4.45% APYOct 15, 2026Oct 25, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
5151 Corporate Dr, Troy, MI 48098
24-Month CD
$500
4.25% ▲ 1.29% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.96%▲ 1.29% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.25%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1960 E Big Beaver Rd, Troy, MI 48083 2021
Jumbo and Jumbo IRA Certificates - 2 Years
$0
4.04% ▲ 1.08% above Michigan avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 1.08% above avgNationally 2.90%
Details

Balance: $100,000 and over; Penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.84% → 4.04% ▲ 0.20 pts · high 4.04% / low 3.84%
3.34%3.94%4.54%Sep 14, 2026: 3.84% APYOct 14, 2026: 4.04% APYSep 14, 2026Oct 25, 2026
  • Oct 14, 20264.04%▲ from 3.84%
  • Sep 14, 20263.84%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1960 E Big Beaver Rd, Troy, MI 48083 2021
Jumbo Certificate - 2 Years
$100,000
4.04% ▲ 1.08% above Michigan avg
View
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 1.08% above avgNationally 2.90%
Details

Minimum balance $100,000 to open and earn APY; penalty for early withdrawal

Rate History
No change since Oct 19, 2026 · 4.04% APY
3.54%4.04%4.54%Oct 19, 2026: 4.04% APYOct 19, 2026Oct 25, 2026
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
363 W Big Beaver Rd, Troy, MI 48084
24 Month CD
$500
4.00% ▲ 1.04% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.96%▲ 1.04% above avgNationally 2.90%
Details

APY compounded quarterly; A penalty may be imposed for early withdrawal

Rate History
1 change since Sep 19, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 19, 2026: 3.80% APYOct 14, 2026: 4.00% APYSep 19, 2026Oct 25, 2026
  • Oct 14, 20264.00%▲ from 3.80%
  • Sep 19, 20263.80%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1960 E Big Beaver Rd, Troy, MI 48083 2021
2 Year Term Certificate
$500
3.99% ▲ 1.03% above Michigan avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 1.03% above avgNationally 2.90%
Details

Penalty for early withdrawal

Rate History
No change since Oct 10, 2026 · 3.99% APY · checked 2 times
3.49%3.99%4.49%Oct 10, 2026: 3.99% APYOct 10, 2026Oct 25, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1960 E Big Beaver Rd, Troy, MI 48083 2021
IRA Certificate - 2 Years
$500
3.99% ▲ 1.03% above Michigan avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 1.03% above avgNationally 2.90%
Details

$500 minimum balance to open and earn APY; Penalty for early withdrawal; Source caption reads IRA Certificates but rows sit under Term Certificates $500 and Above heading

Rate History
1 change since Sep 18, 2026 · 3.79% → 3.99% ▲ 0.20 pts · high 3.99% / low 3.79%
3.29%3.89%4.49%Sep 18, 2026: 3.79% APYOct 10, 2026: 3.99% APYSep 18, 2026Oct 25, 2026
  • Oct 10, 20263.99%▲ from 3.79%
  • Sep 18, 20263.79%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1960 E Big Beaver Rd, Troy, MI 48083 2021
Term Certificate - 2 Years
$500
3.99% ▲ 1.03% above Michigan avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 1.03% above avgNationally 2.90%
Details

Term Certificates $500 and Above; Penalty for early withdrawal

Rate History
2 changes since Sep 14, 2026 · 3.79% → 3.99% ▲ 0.20 pts · high 3.99% / low 3.79%
3.29%3.89%4.49%Sep 14, 2026: 3.79% APYOct 1, 2026: 3.84% APYOct 10, 2026: 3.99% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20263.99%▲ from 3.84%
  • Oct 1, 20263.84%▲ from 3.79%
  • Sep 14, 20263.79%first recorded
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
2889 E Maple Rd, Troy, MI 48083
2 Year Certificate
$500
3.75% ▲ 0.79% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.96%▲ 0.79% above avgNationally 2.90%
Details

APY as high as 3.95%; Rates may increase .2% when a member qualifies for loyalty benefits

Rate History
1 change since Sep 21, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40%
2.90%3.58%4.25%Sep 21, 2026: 3.40% APYOct 5, 2026: 3.75% APYSep 21, 2026Oct 25, 2026
  • Oct 5, 20263.75%▲ from 3.40%
  • Sep 21, 20263.40%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
734 W Long Lake Rd, Troy, MI 48098
24 Month IRA/HSA CD - VIP Bonus
$500
3.65% ▲ 0.69% above Michigan avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 0.69% above avgNationally 2.90%
Details

VIP Relationship Reward Bonus; Rates as of 10/18/26

Rate History
No change since Oct 13, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 25, 2026
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1700 W Big Beaver Rd, Troy, MI 48084
Certificate of Deposit - 24 Month
$500
3.50% ▲ 0.54% above Michigan avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.96%▲ 0.54% above avgNationally 2.90%
Details

Rates as of September 28, 2026; Automatic renewal standard

Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 25, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
734 W Long Lake Rd, Troy, MI 48098
24 Month CD - VIP Bonus
$0
3.50% ▲ 0.54% above Michigan avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 0.54% above avgNationally 2.90%
Details

VIP Relationship Reward Bonus rate; where noted, CD rates include 0.25% MORE VIP Relationship Reward Bonus

Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 25, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
734 W Long Lake Rd, Troy, MI 48098
24 Month IRA/HSA CD
$500
3.40% ▲ 0.44% above Michigan avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 0.44% above avgNationally 2.90%
Details

Rates as of 10/18/26

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 25, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
734 W Long Lake Rd, Troy, MI 48098
24 Month CD
$0
3.25% ▲ 0.29% above Michigan avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▲ 0.29% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 25, 2026
Independent Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
201 W Big Beaver Rd, Troy, MI 48084
24-Month CD
$0
3.09% ▲ 0.13% above Michigan avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.96%▲ 0.13% above avgNationally 2.90%
Details

Interest Tier: $500 minimum; Effective October 14, 2026

Rate History
3 changes since Sep 18, 2026 · 2.68% → 3.09% ▲ 0.41 pts · high 3.09% / low 2.68%
2.18%2.89%3.59%Sep 18, 2026: 2.68% APYSep 24, 2026: 2.73% APYOct 2, 2026: 2.89% APYOct 14, 2026: 3.09% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20263.09%▲ from 2.89%
  • Oct 2, 20262.89%▲ from 2.73%
  • Sep 24, 20262.73%▲ from 2.68%
  • Sep 18, 20262.68%first recorded
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
125 Stephenson Hwy, Troy, MI 48083
2 Year Online CD
$0
3.00% ▲ 0.04% above Michigan avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.96%▲ 0.04% above avgNationally 2.90%
Details

Interest rate 2.96%; interest compounded daily and paid monthly

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 9 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
24 Month Certificate of Deposit
$500
2.53% ▼ 0.43% below Michigan avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.96%▼ 0.43% below avgNationally 2.90%
Details

Balance: $100,000+; Effective Date: March 13, 2025

Rate History
No change since Oct 22, 2026 · 2.53% APY
2.03%2.53%3.03%Oct 22, 2026: 2.53% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
Certificate of Deposit - 24 Months
$0
2.53% ▼ 0.43% below Michigan avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.96%▼ 0.43% below avgNationally 2.90%
Details

Standard Rates

Rate History
No change since Oct 22, 2026 · 2.53% APY
2.03%2.53%3.03%Oct 22, 2026: 2.53% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
IRA Certificate of Deposit - 24 Months
$0
2.53% ▼ 0.43% below Michigan avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.96%▼ 0.43% below avgNationally 2.90%
Details

Balance: $100,000 and over; Effective Date: March 13, 2024

Rate History
No change since Oct 22, 2026 · 2.53% APY
2.03%2.53%3.03%Oct 22, 2026: 2.53% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
24 Month Certificate of Deposit
$500
2.27% ▼ 0.69% below Michigan avg
View
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.96%▼ 0.69% below avgNationally 2.90%
Details

Balance: $50,000-$99,999; Effective Date: March 13, 2025

Rate History
No change since Oct 22, 2026 · 2.27% APY
1.77%2.27%2.77%Oct 22, 2026: 2.27% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
24 Month IRA Certificate
$0
2.27% ▼ 0.69% below Michigan avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.96%▼ 0.69% below avgNationally 2.90%
Details

Rate History
No change since Oct 22, 2026 · 2.27% APY
1.77%2.27%2.77%Oct 22, 2026: 2.27% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
IRA Certificate of Deposit - 24 Months
$0
2.27% ▼ 0.69% below Michigan avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.96%▼ 0.69% below avgNationally 2.90%
Details

Balance: $50,000 - $99,999; Effective Date: March 13, 2025

Rate History
No change since Oct 22, 2026 · 2.27% APY
1.77%2.27%2.77%Oct 22, 2026: 2.27% APYOct 22, 2026Oct 25, 2026
Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
4555 Investment Dr, Troy, MI 48098 6338
2 Year Grow-With-Me CD
$0
2.25% ▼ 0.71% below Michigan avg
View
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▼ 0.71% below avgNationally 2.90%
Details

$250 Minimum Average Daily Balance Required; automatically renews at maturity; 10-day grace period after maturity to withdraw without early withdrawal penalty

Rate History
No change since Sep 22, 2026 · 2.25% APY · checked 5 times
1.75%2.25%2.75%Sep 22, 2026: 2.25% APYSep 22, 2026Oct 25, 2026
Valley Credit Union Salem, OR
Institution Rating:
C+4.2 ★Texas Ratio: 24.68%
5600 Crooks Rd, Troy, MI 48098
Share and IRA Certificates - 2 Year
$0
2.25% ▼ 0.71% below Michigan avg
View
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▼ 0.71% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 6 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
24 Month Certificate of Deposit
$25,000
2.17% ▼ 0.79% below Michigan avg
View
▼
Rate2.15%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.96%▼ 0.79% below avgNationally 2.90%
Details

$25,000-$49,999; Standard Rates table; balance tier not stated in source table

Rate History
No change since Oct 22, 2026 · 2.17% APY
1.67%2.17%2.67%Oct 22, 2026: 2.17% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
Certificate of Deposit 24 Months
$0
2.17% ▼ 0.79% below Michigan avg
View
▼
Rate2.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.96%▼ 0.79% below avgNationally 2.90%
Details

Balance: $25,000-$49,999; Effective Date: March 13, 2025

Rate History
No change since Oct 22, 2026 · 2.17% APY
1.67%2.17%2.67%Oct 22, 2026: 2.17% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
IRA Certificate - 24 Months
$0
2.17% ▼ 0.79% below Michigan avg
View
▼
Rate2.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.96%▼ 0.79% below avgNationally 2.90%
Details

Standard Rates table; no balance tier stated

Rate History
No change since Oct 22, 2026 · 2.17% APY
1.67%2.17%2.67%Oct 22, 2026: 2.17% APYOct 22, 2026Oct 25, 2026
Valley Credit Union Salem, OR
Institution Rating:
C+4.2 ★Texas Ratio: 24.68%
5600 Crooks Rd, Troy, MI 48098
2 Year Bump Up Certificates
$0
2.15% ▼ 0.81% below Michigan avg
View
▼
Rate2.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▼ 0.81% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.15% APY · checked 7 times
1.65%2.15%2.65%Sep 14, 2026: 2.15% APYSep 14, 2026Oct 25, 2026
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
255 E Maple Rd, Troy, MI 48083
24 Month Share Certificate
$500
2.00% ▼ 0.96% below Michigan avg
View
▼
Rate1.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▼ 0.96% below avgNationally 2.90%
Details

Compounding: Monthly; Effective Date: 10/05/2026

Rate History
No change since Oct 9, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 9, 2026: 2.00% APYOct 9, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
24 Month Certificate of Deposit
$10,000
1.87% ▼ 1.09% below Michigan avg
View
▼
Rate1.85%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.96%▼ 1.09% below avgNationally 2.90%
Details

$10,000-$24,999 tier

Rate History
No change since Oct 22, 2026 · 1.87% APY
1.37%1.87%2.37%Oct 22, 2026: 1.87% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
24 Month IRA Certificate of Deposit
$0
1.87% ▼ 1.09% below Michigan avg
View
▼
Rate1.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.96%▼ 1.09% below avgNationally 2.90%
Details

$10,000-$24,999 tier

Rate History
No change since Oct 22, 2026 · 1.87% APY
1.37%1.87%2.37%Oct 22, 2026: 1.87% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
Certificate of Deposit - 24 Months
$0
1.87% ▼ 1.09% below Michigan avg
View
▼
Rate1.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.96%▼ 1.09% below avgNationally 2.90%
Details

Balance: $10,000-$24,999

Rate History
No change since Oct 22, 2026 · 1.87% APY
1.37%1.87%2.37%Oct 22, 2026: 1.87% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
24 Month Certificate
$0
1.76% ▼ 1.20% below Michigan avg
View
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.96%▼ 1.20% below avgNationally 2.90%
Details

Source table is an isolated fragment from the IRA Rates page; balance tier not stated in the source

Rate History
No change since Oct 22, 2026 · 1.76% APY
1.26%1.76%2.26%Oct 22, 2026: 1.76% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
Certificate of Deposit - 24 Months
$0
1.76% ▼ 1.20% below Michigan avg
View
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.96%▼ 1.20% below avgNationally 2.90%
Details

Balance: $500-$2,499

Rate History
No change since Oct 22, 2026 · 1.76% APY
1.26%1.76%2.26%Oct 22, 2026: 1.76% APYOct 22, 2026Oct 25, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
1785 Rochester Rd, Troy, MI 48083
24 Month Jumbo Certificate
$0
1.51% ▼ 1.45% below Michigan avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▼ 1.45% below avgNationally 2.90%
Details

Dividends paid quarterly; Penalties may apply for early withdrawal

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 8 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 25, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
1785 Rochester Rd, Troy, MI 48083
Certificate of Deposit - 24 months
$1,000
1.51% ▼ 1.45% below Michigan avg
View
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▼ 1.45% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 8 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 25, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
1785 Rochester Rd, Troy, MI 48083
Individual Retirement Account (IRA) - 24 months
$0
1.51% ▼ 1.45% below Michigan avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▼ 1.45% below avgNationally 2.90%
Details

Rate History
No change since Oct 14, 2026 · 1.51% APY · checked 2 times
1.01%1.51%2.01%Oct 14, 2026: 1.51% APYOct 14, 2026Oct 25, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
1785 Rochester Rd, Troy, MI 48083
Jumbo IRA Certificates - 24 months
$0
1.51% ▼ 1.45% below Michigan avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▼ 1.45% below avgNationally 2.90%
Details

Rate History
No change since Oct 14, 2026 · 1.51% APY · checked 2 times
1.01%1.51%2.01%Oct 14, 2026: 1.51% APYOct 14, 2026Oct 25, 2026
OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
6693 Rochester Rd, Troy, MI 48085
24 Month Term Share Account
$500
1.26% ▼ 1.70% below Michigan avg
View
▼
Rate1.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▼ 1.70% below avgNationally 2.90%
Details

Share Certificates; $500 minimum deposit to earn dividends; Effective Date: Sunday, October 18th, 2026

Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 7 times
0.76%1.26%1.76%Sep 14, 2026: 1.26% APYSep 14, 2026Oct 25, 2026
OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
6693 Rochester Rd, Troy, MI 48085
Term Share IRAs - 2 Year Fixed Rate Term
$500
1.26% ▼ 1.70% below Michigan avg
View
▼
Rate1.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▼ 1.70% below avgNationally 2.90%
Details

Effective Date: Sunday, October 18th, 2026; $500 minimum deposit to earn dividends

Rate History
No change since Oct 13, 2026 · 1.26% APY · checked 2 times
0.76%1.26%1.76%Oct 13, 2026: 1.26% APYOct 13, 2026Oct 25, 2026
OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
6693 Rochester Rd, Troy, MI 48085
Term Share IRAs - Roth IRA - 24 Month Term
$500
1.26% ▼ 1.70% below Michigan avg
View
▼
Rate1.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▼ 1.70% below avgNationally 2.90%
Details

Effective Date: Sunday, October 18th, 2026; $500 minimum deposit to earn dividends

Rate History
No change since Oct 19, 2026 · 1.26% APY
0.76%1.26%1.76%Oct 19, 2026: 1.26% APYOct 19, 2026Oct 25, 2026
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
751 E Big Beaver Road, Troy, MI 48083
Share Certificates - 24 Month Term
$0
0.45% ▼ 2.51% below Michigan avg
View
▼
Rate0.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.96%▼ 2.51% below avgNationally 2.90%
Details

A penalty may be imposed for early withdrawal

Rate History
No change since Oct 15, 2026 · 0.45% APY · checked 2 times
0.00%0.48%0.95%Oct 15, 2026: 0.45% APYOct 15, 2026Oct 25, 2026
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
751 E Big Beaver Road, Troy, MI 48083
IRA Term Share Certificates - 24 Month Term
$0
0.30% ▼ 2.66% below Michigan avg
View
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.96%▼ 2.66% below avgNationally 2.90%
Details

Rate History
No change since Oct 15, 2026 · 0.30% APY · checked 2 times
0.00%0.40%0.80%Oct 15, 2026: 0.30% APYOct 15, 2026Oct 25, 2026
Community Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
30 E Long Lake Rd, Troy, MI 48085 4712
2-Year Certificate
$0
0.30% ▼ 2.66% below Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.96%▼ 2.66% below avgNationally 2.90%
Details

Effective October 1, 2026

Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 7 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Oct 25, 2026
Berkeley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
5600 Crooks Rd, Troy, MI 48098 2811
Share Certificate - 24 Months
$0
0.25% ▼ 2.71% below Michigan avg
View
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.96%▼ 2.71% below avgNationally 2.90%
Details

Balance to earn Dividend: $500; Rate/APY: 0.25%/0.25%

Rate History
No change since Oct 13, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Oct 13, 2026: 0.25% APYOct 13, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
725 E Big Beaver Rd, Troy, MI 48083
Certificate of Deposit - 24 Months
$1,000
0.03% ▼ 2.93% below Michigan avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.96%▼ 2.93% below avgNationally 2.90%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
725 E Big Beaver Rd, Troy, MI 48083
IRA CD 24 Months
$250
0.03% ▼ 2.93% below Michigan avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.96%▼ 2.93% below avgNationally 2.90%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
725 E Big Beaver Rd, Troy, MI 48083
Certificate of Deposit - 24 Months
$1,000
0.02% ▼ 2.94% below Michigan avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.96%▼ 2.94% below avgNationally 2.90%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
725 E Big Beaver Rd, Troy, MI 48083
IRA CD 24 Months
$250
0.02% ▼ 2.94% below Michigan avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.96%▼ 2.94% below avgNationally 2.90%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 25, 2026

Troy 36 Month CD Rates

Michigan 36 Month CD Average2.93% APYNational 2.81%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
363 W Big Beaver Rd, Troy, MI 48084
36 Month CD
$500
4.25% ▲ 1.32% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.93%▲ 1.32% above avgNationally 2.81%
Details

APY compounded quarterly; A penalty may be imposed for early withdrawal

Rate History
1 change since Sep 19, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 19, 2026: 3.85% APYOct 14, 2026: 4.25% APYSep 19, 2026Oct 25, 2026
  • Oct 14, 20264.25%▲ from 3.85%
  • Sep 19, 20263.85%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1960 E Big Beaver Rd, Troy, MI 48083 2021
Jumbo and Jumbo IRA Certificates - 3 Years
$0
4.13% ▲ 1.20% above Michigan avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 1.20% above avgNationally 2.81%
Details

Balance: $100,000 and over; Penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 4.06% → 4.13% ▲ 0.07 pts · high 4.13% / low 4.06%
3.56%4.10%4.63%Sep 14, 2026: 4.06% APYOct 14, 2026: 4.13% APYSep 14, 2026Oct 25, 2026
  • Oct 14, 20264.13%▲ from 4.06%
  • Sep 14, 20264.06%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1960 E Big Beaver Rd, Troy, MI 48083 2021
Jumbo Certificate - 3 Years
$100,000
4.13% ▲ 1.20% above Michigan avg
View
▼
Rate4.07%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 1.20% above avgNationally 2.81%
Details

Minimum balance $100,000 to open and earn APY; penalty for early withdrawal

Rate History
No change since Oct 19, 2026 · 4.13% APY
3.63%4.13%4.63%Oct 19, 2026: 4.13% APYOct 19, 2026Oct 25, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1960 E Big Beaver Rd, Troy, MI 48083 2021
3 Year Term Certificate
$500
4.08% ▲ 1.15% above Michigan avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 1.15% above avgNationally 2.81%
Details

Penalty for early withdrawal

Rate History
No change since Oct 10, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 10, 2026: 4.08% APYOct 10, 2026Oct 25, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1960 E Big Beaver Rd, Troy, MI 48083 2021
IRA Certificate - 3 Years
$500
4.08% ▲ 1.15% above Michigan avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 1.15% above avgNationally 2.81%
Details

$500 minimum balance to open and earn APY; Penalty for early withdrawal; Source caption reads IRA Certificates but rows sit under Term Certificates $500 and Above heading

Rate History
1 change since Sep 18, 2026 · 4.01% → 4.08% ▲ 0.07 pts · high 4.08% / low 4.01%
3.51%4.05%4.58%Sep 18, 2026: 4.01% APYOct 10, 2026: 4.08% APYSep 18, 2026Oct 25, 2026
  • Oct 10, 20264.08%▲ from 4.01%
  • Sep 18, 20264.01%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1960 E Big Beaver Rd, Troy, MI 48083 2021
Term Certificate - 3 Years
$500
4.08% ▲ 1.15% above Michigan avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 1.15% above avgNationally 2.81%
Details

Term Certificates $500 and Above; Penalty for early withdrawal

Rate History
2 changes since Sep 14, 2026 · 4.01% → 4.08% ▲ 0.07 pts · high 4.08% / low 4.01%
3.51%4.05%4.58%Sep 14, 2026: 4.01% APYOct 1, 2026: 4.06% APYOct 10, 2026: 4.08% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.08%▲ from 4.06%
  • Oct 1, 20264.06%▲ from 4.01%
  • Sep 14, 20264.01%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
734 W Long Lake Rd, Troy, MI 48098
36 Month IRA/HSA CD - VIP Bonus
$500
3.75% ▲ 0.82% above Michigan avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 0.82% above avgNationally 2.81%
Details

VIP Relationship Reward Bonus; Rates as of 10/18/26

Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 25, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
734 W Long Lake Rd, Troy, MI 48098
36 Month CD - VIP Bonus
$0
3.60% ▲ 0.67% above Michigan avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 0.67% above avgNationally 2.81%
Details

VIP Relationship Reward Bonus rate; where noted, CD rates include 0.25% MORE VIP Relationship Reward Bonus

Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 25, 2026
Farmers & Merchants State Bank Archbold, OH
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
3001 W Big Beaver Rd, Troy, MI 48084
36-Month CD Special
$1,000
3.50% ▲ 0.57% above Michigan avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.93%▲ 0.57% above avgNationally 2.81%
Details

Maximum balance: No maximum balance; at maturity renews as a 36 month CD; APY assumes interest remains on deposit until maturity; limited time offer

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
734 W Long Lake Rd, Troy, MI 48098
36 Month IRA/HSA CD
$500
3.50% ▲ 0.57% above Michigan avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 0.57% above avgNationally 2.81%
Details

Rates as of 10/18/26

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
2889 E Maple Rd, Troy, MI 48083
3 Year Certificate
$500
3.40% ▲ 0.47% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.93%▲ 0.47% above avgNationally 2.81%
Details

APY as high as 3.60%; Rates may increase .2% when a member qualifies for loyalty benefits

Rate History
1 change since Sep 21, 2026 · 3.30% → 3.40% ▲ 0.10 pts · high 3.40% / low 3.30%
2.80%3.35%3.90%Sep 21, 2026: 3.30% APYOct 5, 2026: 3.40% APYSep 21, 2026Oct 25, 2026
  • Oct 5, 20263.40%▲ from 3.30%
  • Sep 21, 20263.30%first recorded
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
2889 E Maple Rd, Troy, MI 48083
IRA 3 Year Certificate
$0
3.40% ▲ 0.47% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.93%▲ 0.47% above avgNationally 2.81%
Details

APY as high as: 3.60%; Effective Date: Friday, October 23rd, 2026

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.40% ▲ 0.10 pts · high 3.40% / low 3.30%
2.80%3.35%3.90%Sep 14, 2026: 3.30% APYOct 13, 2026: 3.40% APYSep 14, 2026Oct 25, 2026
  • Oct 13, 20263.40%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
734 W Long Lake Rd, Troy, MI 48098
36 Month CD
$0
3.35% ▲ 0.42% above Michigan avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▲ 0.42% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 7 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 25, 2026
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1700 W Big Beaver Rd, Troy, MI 48084
Certificate of Deposit - 36 Month
$500
3.03% ▲ 0.10% above Michigan avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.93%▲ 0.10% above avgNationally 2.81%
Details

Rates as of September 28, 2026; Automatic renewal standard

Rate History
No change since Oct 14, 2026 · 3.03% APY · checked 3 times
2.53%3.03%3.53%Oct 14, 2026: 3.03% APYOct 14, 2026Oct 25, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
125 Stephenson Hwy, Troy, MI 48083
3 Year Online CD
$0
2.75% ▼ 0.18% below Michigan avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.93%▼ 0.18% below avgNationally 2.81%
Details

Interest rate 2.71%; interest compounded daily and paid monthly

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
36 Month Certificate of Deposit
$500
2.53% ▼ 0.40% below Michigan avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.93%▼ 0.40% below avgNationally 2.81%
Details

Balance: $100,000+; Effective Date: March 13, 2025

Rate History
No change since Oct 22, 2026 · 2.53% APY
2.03%2.53%3.03%Oct 22, 2026: 2.53% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
Certificate of Deposit - 36 Months
$0
2.53% ▼ 0.40% below Michigan avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.93%▼ 0.40% below avgNationally 2.81%
Details

Standard Rates

Rate History
No change since Oct 22, 2026 · 2.53% APY
2.03%2.53%3.03%Oct 22, 2026: 2.53% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
IRA Certificate of Deposit - 36 Months
$0
2.53% ▼ 0.40% below Michigan avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.93%▼ 0.40% below avgNationally 2.81%
Details

Balance: $100,000 and over; Effective Date: March 13, 2024

Rate History
No change since Oct 22, 2026 · 2.53% APY
2.03%2.53%3.03%Oct 22, 2026: 2.53% APYOct 22, 2026Oct 25, 2026
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
5600 Crooks Rd Ste 101, Troy, MI 48098 2803
Share Certificate 36 Month
$0
2.50% ▼ 0.43% below Michigan avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.93%▼ 0.43% below avgNationally 2.81%
Details

Rate History
No change since Sep 12, 2026 · 2.50% APY · checked 9 times
2.00%2.50%3.00%Sep 12, 2026: 2.50% APYSep 12, 2026Oct 25, 2026
Valley Credit Union Salem, OR
Institution Rating:
C+4.2 ★Texas Ratio: 24.68%
5600 Crooks Rd, Troy, MI 48098
Share and IRA Certificates - 3 Year
$0
2.50% ▼ 0.43% below Michigan avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▼ 0.43% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 25, 2026
Valley Credit Union Salem, OR
Institution Rating:
C+4.2 ★Texas Ratio: 24.68%
5600 Crooks Rd, Troy, MI 48098
3 Year Bump Up Certificates
$0
2.40% ▼ 0.53% below Michigan avg
View
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▼ 0.53% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.40% APY · checked 7 times
1.90%2.40%2.90%Sep 14, 2026: 2.40% APYSep 14, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
36 Month Certificate of Deposit
$500
2.27% ▼ 0.66% below Michigan avg
View
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.93%▼ 0.66% below avgNationally 2.81%
Details

Balance: $50,000-$99,999; Minimum to open is $500

Rate History
No change since Oct 22, 2026 · 2.27% APY
1.77%2.27%2.77%Oct 22, 2026: 2.27% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
36 Month IRA Certificate
$0
2.27% ▼ 0.66% below Michigan avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.93%▼ 0.66% below avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 2.27% APY
1.77%2.27%2.77%Oct 22, 2026: 2.27% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
IRA Certificate of Deposit - 36 Months
$0
2.27% ▼ 0.66% below Michigan avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.93%▼ 0.66% below avgNationally 2.81%
Details

Balance: $50,000 - $99,999; Effective Date: March 13, 2025

Rate History
No change since Oct 22, 2026 · 2.27% APY
1.77%2.27%2.77%Oct 22, 2026: 2.27% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
36 Month Certificate of Deposit
$500
2.17% ▼ 0.76% below Michigan avg
View
▼
Rate2.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.93%▼ 0.76% below avgNationally 2.81%
Details

Balance: $25,000-$49,999; Effective Date: March 13, 2025

Rate History
No change since Oct 22, 2026 · 2.17% APY
1.67%2.17%2.67%Oct 22, 2026: 2.17% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
Certificate of Deposit - 36 Months
$0
2.17% ▼ 0.76% below Michigan avg
View
▼
Rate2.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.93%▼ 0.76% below avgNationally 2.81%
Details

Balance: $25,000 - $49,999

Rate History
No change since Oct 22, 2026 · 2.17% APY
1.67%2.17%2.67%Oct 22, 2026: 2.17% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
IRA Certificate - 36 Months
$0
2.17% ▼ 0.76% below Michigan avg
View
▼
Rate2.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.93%▼ 0.76% below avgNationally 2.81%
Details

Standard Rates table; no balance tier stated

Rate History
No change since Oct 22, 2026 · 2.17% APY
1.67%2.17%2.67%Oct 22, 2026: 2.17% APYOct 22, 2026Oct 25, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
1785 Rochester Rd, Troy, MI 48083
36 Month Jumbo Certificate
$0
2.02% ▼ 0.91% below Michigan avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▼ 0.91% below avgNationally 2.81%
Details

Dividends paid quarterly; Penalties may apply for early withdrawal

Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 8 times
1.52%2.02%2.52%Sep 14, 2026: 2.02% APYSep 14, 2026Oct 25, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
1785 Rochester Rd, Troy, MI 48083
Certificate of Deposit - 36 months
$1,000
2.02% ▼ 0.91% below Michigan avg
View
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▼ 0.91% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 8 times
1.52%2.02%2.52%Sep 14, 2026: 2.02% APYSep 14, 2026Oct 25, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
1785 Rochester Rd, Troy, MI 48083
Individual Retirement Account (IRA) - 36 months
$0
2.02% ▼ 0.91% below Michigan avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▼ 0.91% below avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 2.02% APY · checked 2 times
1.52%2.02%2.52%Oct 14, 2026: 2.02% APYOct 14, 2026Oct 25, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
1785 Rochester Rd, Troy, MI 48083
Jumbo IRA Certificates - 36 months
$0
2.02% ▼ 0.91% below Michigan avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▼ 0.91% below avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 2.02% APY · checked 2 times
1.52%2.02%2.52%Oct 14, 2026: 2.02% APYOct 14, 2026Oct 25, 2026
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
255 E Maple Rd, Troy, MI 48083
36 Month Share Certificate
$500
2.00% ▼ 0.93% below Michigan avg
View
▼
Rate1.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▼ 0.93% below avgNationally 2.81%
Details

Compounding: Monthly; Effective Date: 10/05/2026

Rate History
No change since Oct 9, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 9, 2026: 2.00% APYOct 9, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
36 Month Certificate of Deposit
$10,000
1.87% ▼ 1.06% below Michigan avg
View
▼
Rate1.85%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.93%▼ 1.06% below avgNationally 2.81%
Details

$10,000-$24,999; Balance tier not stated in source table

Rate History
No change since Oct 22, 2026 · 1.87% APY
1.37%1.87%2.37%Oct 22, 2026: 1.87% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
Certificate of Deposit - 36 Months
$0
1.87% ▼ 1.06% below Michigan avg
View
▼
Rate1.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.93%▼ 1.06% below avgNationally 2.81%
Details

Balance: $10,000-$24,999

Rate History
No change since Oct 22, 2026 · 1.87% APY
1.37%1.87%2.37%Oct 22, 2026: 1.87% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
IRA Certificate of Deposit - 36 Months
$0
1.87% ▼ 1.06% below Michigan avg
View
▼
Rate1.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.93%▼ 1.06% below avgNationally 2.81%
Details

Balance: $10,000 - $24,999; Effective Date: March 13, 2025

Rate History
No change since Oct 22, 2026 · 1.87% APY
1.37%1.87%2.37%Oct 22, 2026: 1.87% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
36 Month Certificate of Deposit
$0
1.76% ▼ 1.17% below Michigan avg
View
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.93%▼ 1.17% below avgNationally 2.81%
Details

Balance: $500 - $2,499; Effective Date: March 13, 2025

Rate History
No change since Oct 22, 2026 · 1.76% APY
1.26%1.76%2.26%Oct 22, 2026: 1.76% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
Certificate of Deposit - 36 Months
$0
1.76% ▼ 1.17% below Michigan avg
View
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.93%▼ 1.17% below avgNationally 2.81%
Details

Balance: $500-$2,499

Rate History
No change since Oct 22, 2026 · 1.76% APY
1.26%1.76%2.26%Oct 22, 2026: 1.76% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
IRA Certificate of Deposit - 36 Months
$0
1.76% ▼ 1.17% below Michigan avg
View
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average2.93%▼ 1.17% below avgNationally 2.81%
Details

Balance: $500 - $2,499; Effective Date: March 13, 2025

Rate History
No change since Oct 22, 2026 · 1.76% APY
1.26%1.76%2.26%Oct 22, 2026: 1.76% APYOct 22, 2026Oct 25, 2026
OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
6693 Rochester Rd, Troy, MI 48085
36 Month Term Share Account
$500
1.36% ▼ 1.57% below Michigan avg
View
▼
Rate1.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▼ 1.57% below avgNationally 2.81%
Details

Share Certificates; $500 minimum deposit to earn dividends; Effective Date: Sunday, October 18th, 2026

Rate History
No change since Sep 14, 2026 · 1.36% APY · checked 7 times
0.86%1.36%1.86%Sep 14, 2026: 1.36% APYSep 14, 2026Oct 25, 2026
OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
6693 Rochester Rd, Troy, MI 48085
Term Share IRAs - 3 Year Fixed Rate Term
$500
1.36% ▼ 1.57% below Michigan avg
View
▼
Rate1.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▼ 1.57% below avgNationally 2.81%
Details

Effective Date: Sunday, October 18th, 2026; $500 minimum deposit to earn dividends

Rate History
No change since Oct 13, 2026 · 1.36% APY · checked 2 times
0.86%1.36%1.86%Oct 13, 2026: 1.36% APYOct 13, 2026Oct 25, 2026
OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
6693 Rochester Rd, Troy, MI 48085
Term Share IRAs - Roth IRA - 36 Month Term
$500
1.36% ▼ 1.57% below Michigan avg
View
▼
Rate1.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▼ 1.57% below avgNationally 2.81%
Details

Effective Date: Sunday, October 18th, 2026; $500 minimum deposit to earn dividends

Rate History
No change since Oct 19, 2026 · 1.36% APY
0.86%1.36%1.86%Oct 19, 2026: 1.36% APYOct 19, 2026Oct 25, 2026
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
751 E Big Beaver Road, Troy, MI 48083
IRA Term Share Certificates - 36 Month Term
$0
0.55% ▼ 2.38% below Michigan avg
View
▼
Rate0.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.93%▼ 2.38% below avgNationally 2.81%
Details

Rate History
No change since Oct 15, 2026 · 0.55% APY · checked 2 times
0.05%0.55%1.05%Oct 15, 2026: 0.55% APYOct 15, 2026Oct 25, 2026
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
751 E Big Beaver Road, Troy, MI 48083
Share Certificates - 36 Month Term
$0
0.55% ▼ 2.38% below Michigan avg
View
▼
Rate0.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.93%▼ 2.38% below avgNationally 2.81%
Details

A penalty may be imposed for early withdrawal

Rate History
No change since Oct 15, 2026 · 0.55% APY · checked 2 times
0.05%0.55%1.05%Oct 15, 2026: 0.55% APYOct 15, 2026Oct 25, 2026
Community Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
30 E Long Lake Rd, Troy, MI 48085 4712
3-Year Certificate
$0
0.35% ▼ 2.58% below Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average2.93%▼ 2.58% below avgNationally 2.81%
Details

Effective October 1, 2026

Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 7 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 25, 2026
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
5600 Crooks Rd Ste 101, Troy, MI 48098 2803
IRA Share Certificate 36 Month
$0
0.30% ▼ 2.63% below Michigan avg
View
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.93%▼ 2.63% below avgNationally 2.81%
Details

Rate History
No change since Sep 12, 2026 · 0.30% APY · checked 9 times
0.00%0.40%0.80%Sep 12, 2026: 0.30% APYSep 12, 2026Oct 25, 2026
Berkeley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
5600 Crooks Rd, Troy, MI 48098 2811
Share Certificate - 36 Months
$0
0.30% ▼ 2.63% below Michigan avg
View
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average2.93%▼ 2.63% below avgNationally 2.81%
Details

Balance to earn Dividend: $500; Rate/APY: 0.30%/0.30%

Rate History
No change since Oct 13, 2026 · 0.30% APY · checked 2 times
0.00%0.40%0.80%Oct 13, 2026: 0.30% APYOct 13, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
725 E Big Beaver Rd, Troy, MI 48083
Certificate of Deposit - 36 Months
$1,000
0.03% ▼ 2.90% below Michigan avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.93%▼ 2.90% below avgNationally 2.81%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
725 E Big Beaver Rd, Troy, MI 48083
IRA CD 36 Months
$250
0.03% ▼ 2.90% below Michigan avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.93%▼ 2.90% below avgNationally 2.81%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
725 E Big Beaver Rd, Troy, MI 48083
Certificate of Deposit - 36 Months
$1,000
0.02% ▼ 2.91% below Michigan avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.93%▼ 2.91% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
725 E Big Beaver Rd, Troy, MI 48083
IRA CD 36 Months
$250
0.02% ▼ 2.91% below Michigan avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average2.93%▼ 2.91% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 25, 2026

Troy 48 Month CD Rates

Michigan 48 Month CD Average3.01% APYNational 2.81%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
363 W Big Beaver Rd, Troy, MI 48084
48 Month CD
$500
4.30% ▲ 1.29% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.01%▲ 1.29% above avgNationally 2.81%
Details

APY compounded quarterly; A penalty may be imposed for early withdrawal

Rate History
1 change since Sep 19, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
3.40%4.10%4.80%Sep 19, 2026: 3.90% APYOct 14, 2026: 4.30% APYSep 19, 2026Oct 25, 2026
  • Oct 14, 20264.30%▲ from 3.90%
  • Sep 19, 20263.90%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1960 E Big Beaver Rd, Troy, MI 48083 2021
Jumbo and Jumbo IRA Certificates - 4 Years
$0
4.13% ▲ 1.12% above Michigan avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 1.12% above avgNationally 2.81%
Details

Balance: $100,000 and over; Penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 4.09% → 4.13% ▲ 0.04 pts · high 4.13% / low 4.09%
3.59%4.11%4.63%Sep 14, 2026: 4.09% APYOct 14, 2026: 4.13% APYSep 14, 2026Oct 25, 2026
  • Oct 14, 20264.13%▲ from 4.09%
  • Sep 14, 20264.09%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1960 E Big Beaver Rd, Troy, MI 48083 2021
Jumbo Certificate - 4 Years
$100,000
4.13% ▲ 1.12% above Michigan avg
View
▼
Rate4.07%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 1.12% above avgNationally 2.81%
Details

Minimum balance $100,000 to open and earn APY; penalty for early withdrawal

Rate History
No change since Oct 19, 2026 · 4.13% APY
3.63%4.13%4.63%Oct 19, 2026: 4.13% APYOct 19, 2026Oct 25, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1960 E Big Beaver Rd, Troy, MI 48083 2021
4 Year Term Certificate
$500
4.08% ▲ 1.07% above Michigan avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 1.07% above avgNationally 2.81%
Details

Penalty for early withdrawal

Rate History
No change since Oct 10, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 10, 2026: 4.08% APYOct 10, 2026Oct 25, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1960 E Big Beaver Rd, Troy, MI 48083 2021
IRA Certificate - 4 Years
$500
4.08% ▲ 1.07% above Michigan avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 1.07% above avgNationally 2.81%
Details

$500 minimum balance to open and earn APY; Penalty for early withdrawal; Source caption reads IRA Certificates but rows sit under Term Certificates $500 and Above heading

Rate History
1 change since Sep 18, 2026 · 4.04% → 4.08% ▲ 0.04 pts · high 4.08% / low 4.04%
3.54%4.06%4.58%Sep 18, 2026: 4.04% APYOct 10, 2026: 4.08% APYSep 18, 2026Oct 25, 2026
  • Oct 10, 20264.08%▲ from 4.04%
  • Sep 18, 20264.04%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1960 E Big Beaver Rd, Troy, MI 48083 2021
Term Certificate - 4 Years
$500
4.08% ▲ 1.07% above Michigan avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 1.07% above avgNationally 2.81%
Details

Term Certificates $500 and Above; Penalty for early withdrawal

Rate History
2 changes since Sep 14, 2026 · 4.04% → 4.08% ▲ 0.04 pts · high 4.09% / low 4.04%
3.54%4.06%4.59%Sep 14, 2026: 4.04% APYOct 1, 2026: 4.09% APYOct 10, 2026: 4.08% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.08%▼ from 4.09%
  • Oct 1, 20264.09%▲ from 4.04%
  • Sep 14, 20264.04%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
734 W Long Lake Rd, Troy, MI 48098
48 Month IRA/HSA CD - VIP Bonus
$500
3.90% ▲ 0.89% above Michigan avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 0.89% above avgNationally 2.81%
Details

VIP Relationship Reward Bonus; Rates as of 10/18/26

Rate History
No change since Oct 13, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 13, 2026: 3.90% APYOct 13, 2026Oct 25, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
734 W Long Lake Rd, Troy, MI 48098
48 Month CD - VIP Bonus
$0
3.75% ▲ 0.74% above Michigan avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 0.74% above avgNationally 2.81%
Details

VIP Relationship Reward Bonus rate; where noted, CD rates include 0.25% MORE VIP Relationship Reward Bonus

Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 25, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
734 W Long Lake Rd, Troy, MI 48098
48 Month IRA/HSA CD
$500
3.65% ▲ 0.64% above Michigan avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 0.64% above avgNationally 2.81%
Details

Rates as of 10/18/26

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 25, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
734 W Long Lake Rd, Troy, MI 48098
48 Month CD
$0
3.50% ▲ 0.49% above Michigan avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▲ 0.49% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
2889 E Maple Rd, Troy, MI 48083
4 Year Certificate
$500
3.30% ▲ 0.29% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.01%▲ 0.29% above avgNationally 2.81%
Details

APY as high as 3.50%; Rates may increase .2% when a member qualifies for loyalty benefits

Rate History
1 change since Sep 21, 2026 · 3.25% → 3.30% ▲ 0.05 pts · high 3.30% / low 3.25%
2.75%3.28%3.80%Sep 21, 2026: 3.25% APYOct 5, 2026: 3.30% APYSep 21, 2026Oct 25, 2026
  • Oct 5, 20263.30%▲ from 3.25%
  • Sep 21, 20263.25%first recorded
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1700 W Big Beaver Rd, Troy, MI 48084
Certificate of Deposit - 48 Month
$500
3.03% ▲ 0.02% above Michigan avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.01%▲ 0.02% above avgNationally 2.81%
Details

Rates as of September 28, 2026; Automatic renewal standard

Rate History
No change since Oct 14, 2026 · 3.03% APY · checked 3 times
2.53%3.03%3.53%Oct 14, 2026: 3.03% APYOct 14, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
48 Month Certificate of Deposit
$500
2.78% ▼ 0.23% below Michigan avg
View
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.01%▼ 0.23% below avgNationally 2.81%
Details

Balance: $100,000+; Certificate of Deposit Rates ($100,000+) section

Rate History
No change since Oct 22, 2026 · 2.78% APY
2.28%2.78%3.28%Oct 22, 2026: 2.78% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
Certificate of Deposit - 48 Months
$0
2.78% ▼ 0.23% below Michigan avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.01%▼ 0.23% below avgNationally 2.81%
Details

Certificate of Deposit Rates ($100,000+) tier; the same 48 Months rate appears in that table on the IRA Rates page; Effective Date: March 13, 2024

Rate History
No change since Oct 22, 2026 · 2.78% APY
2.28%2.78%3.28%Oct 22, 2026: 2.78% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
IRA Certificate of Deposit - 48 Months
$0
2.78% ▼ 0.23% below Michigan avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.01%▼ 0.23% below avgNationally 2.81%
Details

Balance: $100,000 and over; Effective Date: March 13, 2024

Rate History
No change since Oct 22, 2026 · 2.78% APY
2.28%2.78%3.28%Oct 22, 2026: 2.78% APYOct 22, 2026Oct 25, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
125 Stephenson Hwy, Troy, MI 48083
4 Year Online CD
$0
2.75% ▼ 0.26% below Michigan avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.01%▼ 0.26% below avgNationally 2.81%
Details

Interest rate 2.71%; interest compounded daily and paid monthly

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 25, 2026
Valley Credit Union Salem, OR
Institution Rating:
C+4.2 ★Texas Ratio: 24.68%
5600 Crooks Rd, Troy, MI 48098
Share and IRA Certificates - 4 Year
$0
2.60% ▼ 0.41% below Michigan avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▼ 0.41% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 6 times
2.10%2.60%3.10%Sep 14, 2026: 2.60% APYSep 14, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
48 Month Certificate of Deposit
$500
2.53% ▼ 0.48% below Michigan avg
View
▼
Rate2.53%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.01%▼ 0.48% below avgNationally 2.81%
Details

Balance: $50,000-$99,999; Effective Date: March 13, 2025

Rate History
No change since Oct 22, 2026 · 2.53% APY
2.03%2.53%3.03%Oct 22, 2026: 2.53% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
48 Month IRA Certificate
$0
2.53% ▼ 0.48% below Michigan avg
View
▼
Rate2.53%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.01%▼ 0.48% below avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 2.53% APY
2.03%2.53%3.03%Oct 22, 2026: 2.53% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
IRA Certificate of Deposit - 48 Months
$0
2.53% ▼ 0.48% below Michigan avg
View
▼
Rate2.53%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.01%▼ 0.48% below avgNationally 2.81%
Details

Balance: $50,000 - $99,999; Effective Date: March 13, 2025

Rate History
No change since Oct 22, 2026 · 2.53% APY
2.03%2.53%3.03%Oct 22, 2026: 2.53% APYOct 22, 2026Oct 25, 2026
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
255 E Maple Rd, Troy, MI 48083
48 Month Share Certificate
$500
2.50% ▼ 0.51% below Michigan avg
View
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▼ 0.51% below avgNationally 2.81%
Details

Compounding: Monthly; Effective Date: 10/05/2026

Rate History
No change since Oct 9, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 9, 2026: 2.50% APYOct 9, 2026Oct 25, 2026
Valley Credit Union Salem, OR
Institution Rating:
C+4.2 ★Texas Ratio: 24.68%
5600 Crooks Rd, Troy, MI 48098
4 Year Bump Up Certificates
$0
2.50% ▼ 0.51% below Michigan avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▼ 0.51% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 25, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
1785 Rochester Rd, Troy, MI 48083
48 Month Jumbo Certificate
$0
2.27% ▼ 0.74% below Michigan avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▼ 0.74% below avgNationally 2.81%
Details

Dividends paid quarterly; Penalties may apply for early withdrawal

Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 8 times
1.77%2.27%2.77%Sep 14, 2026: 2.27% APYSep 14, 2026Oct 25, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
1785 Rochester Rd, Troy, MI 48083
Certificate of Deposit - 48 months
$1,000
2.27% ▼ 0.74% below Michigan avg
View
▼
Rate2.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▼ 0.74% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 8 times
1.77%2.27%2.77%Sep 14, 2026: 2.27% APYSep 14, 2026Oct 25, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
1785 Rochester Rd, Troy, MI 48083
Individual Retirement Account (IRA) - 48 months
$0
2.27% ▼ 0.74% below Michigan avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▼ 0.74% below avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 2.27% APY · checked 2 times
1.77%2.27%2.77%Oct 14, 2026: 2.27% APYOct 14, 2026Oct 25, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
1785 Rochester Rd, Troy, MI 48083
Jumbo IRA Certificates - 48 months
$0
2.27% ▼ 0.74% below Michigan avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▼ 0.74% below avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 2.27% APY · checked 2 times
1.77%2.27%2.77%Oct 14, 2026: 2.27% APYOct 14, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
48 Month Certificate of Deposit
$500
2.11% ▼ 0.90% below Michigan avg
View
▼
Rate2.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.01%▼ 0.90% below avgNationally 2.81%
Details

Balance: $25,000-$49,999; Effective Date: March 13, 2025

Rate History
No change since Oct 22, 2026 · 2.11% APY
1.61%2.11%2.61%Oct 22, 2026: 2.11% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
Certificate of Deposit - 48 Months
$0
2.11% ▼ 0.90% below Michigan avg
View
▼
Rate2.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.01%▼ 0.90% below avgNationally 2.81%
Details

Balance: $25,000-$49,999; Effective Date: March 13, 2025

Rate History
No change since Oct 22, 2026 · 2.11% APY
1.61%2.11%2.61%Oct 22, 2026: 2.11% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
IRA Certificate - 48 Months
$0
2.11% ▼ 0.90% below Michigan avg
View
▼
Rate2.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.01%▼ 0.90% below avgNationally 2.81%
Details

Standard Rates table; no balance tier stated

Rate History
No change since Oct 22, 2026 · 2.11% APY
1.61%2.11%2.61%Oct 22, 2026: 2.11% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
48 Month Certificate of Deposit
$10,000
1.97% ▼ 1.04% below Michigan avg
View
▼
Rate1.95%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.01%▼ 1.04% below avgNationally 2.81%
Details

$10,000-$24,999 tier

Rate History
No change since Oct 22, 2026 · 1.97% APY
1.47%1.97%2.47%Oct 22, 2026: 1.97% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
48 Month IRA Certificate of Deposit
$10,000
1.97% ▼ 1.04% below Michigan avg
View
▼
Rate1.95%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.01%▼ 1.04% below avgNationally 2.81%
Details

Standard Rates; Interest Rate 1.95%, APY 1.97%

Rate History
No change since Oct 22, 2026 · 1.97% APY
1.47%1.97%2.47%Oct 22, 2026: 1.97% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
Certificate of Deposit - 48 Months
$0
1.97% ▼ 1.04% below Michigan avg
View
▼
Rate1.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.01%▼ 1.04% below avgNationally 2.81%
Details

Balance: $10,000-$24,999

Rate History
No change since Oct 22, 2026 · 1.97% APY
1.47%1.97%2.47%Oct 22, 2026: 1.97% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
48 Month Certificate of Deposit
$0
1.87% ▼ 1.14% below Michigan avg
View
▼
Rate1.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.01%▼ 1.14% below avgNationally 2.81%
Details

Balance: $500 - $2,499; Effective Date: March 13, 2025

Rate History
No change since Oct 22, 2026 · 1.87% APY
1.37%1.87%2.37%Oct 22, 2026: 1.87% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
Certificate of Deposit - 48 Months
$0
1.87% ▼ 1.14% below Michigan avg
View
▼
Rate1.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.01%▼ 1.14% below avgNationally 2.81%
Details

Balance: $500-$2,499

Rate History
No change since Oct 22, 2026 · 1.87% APY
1.37%1.87%2.37%Oct 22, 2026: 1.87% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
IRA Certificate of Deposit - 48 Months
$0
1.87% ▼ 1.14% below Michigan avg
View
▼
Rate1.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.01%▼ 1.14% below avgNationally 2.81%
Details

Balance: $500 - $2,499; Effective Date: March 13, 2025

Rate History
No change since Oct 22, 2026 · 1.87% APY
1.37%1.87%2.37%Oct 22, 2026: 1.87% APYOct 22, 2026Oct 25, 2026
OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
6693 Rochester Rd, Troy, MI 48085
48 Month Term Share Account
$500
1.51% ▼ 1.50% below Michigan avg
View
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▼ 1.50% below avgNationally 2.81%
Details

Share Certificates; $500 minimum deposit to earn dividends; Effective Date: Sunday, October 18th, 2026

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 7 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 25, 2026
OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
6693 Rochester Rd, Troy, MI 48085
Term Share IRAs - 4 Year Fixed Rate Term
$500
1.51% ▼ 1.50% below Michigan avg
View
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▼ 1.50% below avgNationally 2.81%
Details

Effective Date: Sunday, October 18th, 2026; $500 minimum deposit to earn dividends

Rate History
No change since Oct 13, 2026 · 1.51% APY · checked 2 times
1.01%1.51%2.01%Oct 13, 2026: 1.51% APYOct 13, 2026Oct 25, 2026
OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
6693 Rochester Rd, Troy, MI 48085
Term Share IRAs - Roth IRA - 48 Month Term Share
$500
1.51% ▼ 1.50% below Michigan avg
View
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▼ 1.50% below avgNationally 2.81%
Details

Effective Date: Sunday, October 18th, 2026; $500 minimum deposit to earn dividends

Rate History
No change since Oct 19, 2026 · 1.51% APY
1.01%1.51%2.01%Oct 19, 2026: 1.51% APYOct 19, 2026Oct 25, 2026
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
751 E Big Beaver Road, Troy, MI 48083
IRA Term Share Certificates - 48 Month Term
$0
0.65% ▼ 2.36% below Michigan avg
View
▼
Rate0.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.01%▼ 2.36% below avgNationally 2.81%
Details

Rate History
No change since Oct 15, 2026 · 0.65% APY · checked 2 times
0.15%0.65%1.15%Oct 15, 2026: 0.65% APYOct 15, 2026Oct 25, 2026
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
751 E Big Beaver Road, Troy, MI 48083
Share Certificates - 48 Month Term
$0
0.65% ▼ 2.36% below Michigan avg
View
▼
Rate0.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.01%▼ 2.36% below avgNationally 2.81%
Details

A penalty may be imposed for early withdrawal

Rate History
No change since Oct 15, 2026 · 0.65% APY · checked 2 times
0.15%0.65%1.15%Oct 15, 2026: 0.65% APYOct 15, 2026Oct 25, 2026
Community Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
30 E Long Lake Rd, Troy, MI 48085 4712
4-Year Certificate
$0
0.40% ▼ 2.61% below Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.01%▼ 2.61% below avgNationally 2.81%
Details

Effective October 1, 2026

Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 7 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
725 E Big Beaver Rd, Troy, MI 48083
Certificate of Deposit - 48 Months
$1,000
0.03% ▼ 2.98% below Michigan avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.01%▼ 2.98% below avgNationally 2.81%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
725 E Big Beaver Rd, Troy, MI 48083
IRA CD 48 Months
$250
0.03% ▼ 2.98% below Michigan avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.01%▼ 2.98% below avgNationally 2.81%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
725 E Big Beaver Rd, Troy, MI 48083
Certificate of Deposit - 48 Months
$1,000
0.02% ▼ 2.99% below Michigan avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.01%▼ 2.99% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
725 E Big Beaver Rd, Troy, MI 48083
IRA CD 48 Months
$250
0.02% ▼ 2.99% below Michigan avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.01%▼ 2.99% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
725 E Big Beaver Rd, Troy, MI 48083
Certificate of Deposit - 48 Months
$1,000
0.01% ▼ 3.00% below Michigan avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.01%▼ 3.00% below avgNationally 2.81%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
725 E Big Beaver Rd, Troy, MI 48083
IRA CD 48 Months
$250
0.01% ▼ 3.00% below Michigan avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.01%▼ 3.00% below avgNationally 2.81%
Details

Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 25, 2026
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
Relationship CD - 48 Month
$2,500
4.70% ▲ 1.69% above Michigan avg
View
▼
Rate4.62%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.01%▲ 1.69% above avgNationally 2.81%
Details

Relationship CD; relationship defined as Direct Deposit Checking; Minimum $2500 to open

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.70% ▲ 0.45 pts · high 4.70% / low 4.25%
3.75%4.48%5.20%Sep 14, 2026: 4.25% APYSep 24, 2026: 4.70% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.70%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Certificate of Deposit - 48 Month
$0
4.50% ▲ 1.49% above Michigan avg
View
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.01%▲ 1.49% above avgNationally 2.81%
Details

Rate History
3 changes since Sep 18, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
3.70%4.35%5.00%Sep 18, 2026: 4.20% APYSep 24, 2026: 4.30% APYOct 2, 2026: 4.45% APYOct 14, 2026: 4.50% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20264.50%▲ from 4.45%
  • Oct 2, 20264.45%▲ from 4.30%
  • Sep 24, 20264.30%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
First National Bank of America (FNBA)
Institution Rating:
B-4.3 ★Texas Ratio: 23.12%
Time Certificate of Deposit - 48 Month
$0
4.50% ▲ 1.49% above Michigan avg
View
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.01%▲ 1.49% above avgNationally 2.81%
Details

East Lansing Rates

Rate History
1 change since Oct 7, 2026 · 4.45% → 4.50% ▲ 0.05 pts · high 4.50% / low 4.45%
3.95%4.48%5.00%Oct 7, 2026: 4.45% APYOct 14, 2026: 4.50% APYOct 7, 2026Oct 25, 2026
  • Oct 14, 20264.50%▲ from 4.45%
  • Oct 7, 20264.45%first recorded

Troy 60 Month CD Rates

Michigan 60 Month CD Average3.04% APYNational 2.92%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Superior National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
363 W Big Beaver Rd, Troy, MI 48084
60 Month CD
$500
4.30% ▲ 1.26% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▲ 1.26% above avgNationally 2.92%
Details

APY compounded quarterly; A penalty may be imposed for early withdrawal

Rate History
1 change since Sep 19, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
3.40%4.10%4.80%Sep 19, 2026: 3.90% APYOct 14, 2026: 4.30% APYSep 19, 2026Oct 25, 2026
  • Oct 14, 20264.30%▲ from 3.90%
  • Sep 19, 20263.90%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
734 W Long Lake Rd, Troy, MI 48098
60 Month IRA/HSA CD - VIP Bonus
$500
4.15% ▲ 1.11% above Michigan avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.11% above avgNationally 2.92%
Details

VIP Relationship Reward Bonus; Rates as of 10/18/26

Rate History
No change since Oct 13, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 13, 2026: 4.15% APYOct 13, 2026Oct 25, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1960 E Big Beaver Rd, Troy, MI 48083 2021
Jumbo and Jumbo IRA Certificates - 5 Years
$0
4.09% ▲ 1.05% above Michigan avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.05% above avgNationally 2.92%
Details

Balance: $100,000 and over; Penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 4.08% → 4.09% ▲ 0.01 pts · high 4.09% / low 4.08%
3.58%4.09%4.59%Sep 14, 2026: 4.08% APYOct 14, 2026: 4.09% APYSep 14, 2026Oct 25, 2026
  • Oct 14, 20264.09%▲ from 4.08%
  • Sep 14, 20264.08%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1960 E Big Beaver Rd, Troy, MI 48083 2021
Jumbo Certificate - 5 Years
$100,000
4.09% ▲ 1.05% above Michigan avg
View
▼
Rate4.03%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.05% above avgNationally 2.92%
Details

Minimum balance $100,000 to open and earn APY; penalty for early withdrawal

Rate History
No change since Oct 19, 2026 · 4.09% APY
3.59%4.09%4.59%Oct 19, 2026: 4.09% APYOct 19, 2026Oct 25, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1960 E Big Beaver Rd, Troy, MI 48083 2021
5 Year Term Certificate
$500
4.04% ▲ 1.00% above Michigan avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.00% above avgNationally 2.92%
Details

Penalty for early withdrawal

Rate History
No change since Oct 10, 2026 · 4.04% APY · checked 2 times
3.54%4.04%4.54%Oct 10, 2026: 4.04% APYOct 10, 2026Oct 25, 2026
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1960 E Big Beaver Rd, Troy, MI 48083 2021
IRA Certificate - 5 Years
$500
4.04% ▲ 1.00% above Michigan avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.00% above avgNationally 2.92%
Details

$500 minimum balance to open and earn APY; Penalty for early withdrawal; Source caption reads IRA Certificates but rows sit under Term Certificates $500 and Above heading

Rate History
1 change since Sep 18, 2026 · 4.03% → 4.04% ▲ 0.01 pts · high 4.04% / low 4.03%
3.53%4.04%4.54%Sep 18, 2026: 4.03% APYOct 10, 2026: 4.04% APYSep 18, 2026Oct 25, 2026
  • Oct 10, 20264.04%▲ from 4.03%
  • Sep 18, 20264.03%first recorded
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
1960 E Big Beaver Rd, Troy, MI 48083 2021
Term Certificate - 5 Years
$500
4.04% ▲ 1.00% above Michigan avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 1.00% above avgNationally 2.92%
Details

Term Certificates $500 and Above; Penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 4.03% → 4.04% ▲ 0.01 pts · high 4.04% / low 4.03%
3.53%4.04%4.54%Sep 14, 2026: 4.03% APYOct 10, 2026: 4.04% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.04%▲ from 4.03%
  • Sep 14, 20264.03%first recorded
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
734 W Long Lake Rd, Troy, MI 48098
60 Month CD - VIP Bonus
$0
4.00% ▲ 0.96% above Michigan avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.96% above avgNationally 2.92%
Details

VIP Relationship Reward Bonus rate; where noted, CD rates include 0.25% MORE VIP Relationship Reward Bonus

Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 25, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
734 W Long Lake Rd, Troy, MI 48098
60 Mo. IRA CD VIP
$0
3.90% ▲ 0.86% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.86% above avgNationally 2.92%
Details

IRA certificate; VIP 3.90% APY

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 25, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
734 W Long Lake Rd, Troy, MI 48098
60 Month IRA/HSA CD
$500
3.90% ▲ 0.86% above Michigan avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.86% above avgNationally 2.92%
Details

Rates as of 10/18/26

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 25, 2026
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
734 W Long Lake Rd, Troy, MI 48098
60 Month CD
$0
3.75% ▲ 0.71% above Michigan avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▲ 0.71% above avgNationally 2.92%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 25, 2026
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
2889 E Maple Rd, Troy, MI 48083
5 Year Certificate
$500
3.25% ▲ 0.21% above Michigan avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.04%▲ 0.21% above avgNationally 2.92%
Details

APY as high as 3.45%; Rates may increase .2% when a member qualifies for loyalty benefits

Rate History
1 change since Sep 21, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
2.50%3.13%3.75%Sep 21, 2026: 3.00% APYOct 5, 2026: 3.25% APYSep 21, 2026Oct 25, 2026
  • Oct 5, 20263.25%▲ from 3.00%
  • Sep 21, 20263.00%first recorded
Polish American Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
2889 E Maple Rd, Troy, MI 48083
IRA 5 Year Certificate
$0
3.25% ▲ 0.21% above Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.04%▲ 0.21% above avgNationally 2.92%
Details

APY as high as: 3.45%; Effective Date: Friday, October 23rd, 2026

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
2.50%3.13%3.75%Sep 14, 2026: 3.00% APYOct 13, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
  • Oct 13, 20263.25%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Mercantile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1700 W Big Beaver Rd, Troy, MI 48084
Certificate of Deposit - 60 Month
$500
3.03% ▼ 0.01% below Michigan avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▼ 0.01% below avgNationally 2.92%
Details

Rates as of September 28, 2026; Automatic renewal standard

Rate History
No change since Oct 14, 2026 · 3.03% APY · checked 3 times
2.53%3.03%3.53%Oct 14, 2026: 3.03% APYOct 14, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
60 Month Certificate of Deposit
$100,000
2.78% ▼ 0.26% below Michigan avg
View
▼
Rate2.75%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▼ 0.26% below avgNationally 2.92%
Details

$100,000+; Standard Rates; Balance tier not stated in table; Minimum to open $500; Rates accurate as of October 22, 2026

Rate History
No change since Oct 22, 2026 · 2.78% APY
2.28%2.78%3.28%Oct 22, 2026: 2.78% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
Certificate of Deposit - 60 Months
$0
2.78% ▼ 0.26% below Michigan avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▼ 0.26% below avgNationally 2.92%
Details

Balance: $100,000+; Effective Date: March 13, 2024

Rate History
No change since Oct 22, 2026 · 2.78% APY
2.28%2.78%3.28%Oct 22, 2026: 2.78% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
IRA Certificate of Deposit - 60 Months
$0
2.78% ▼ 0.26% below Michigan avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▼ 0.26% below avgNationally 2.92%
Details

Balance: $100,000 and over; Effective Date: March 13, 2024

Rate History
No change since Oct 22, 2026 · 2.78% APY
2.28%2.78%3.28%Oct 22, 2026: 2.78% APYOct 22, 2026Oct 25, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
125 Stephenson Hwy, Troy, MI 48083
5 Year Online CD
$0
2.75% ▼ 0.29% below Michigan avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▼ 0.29% below avgNationally 2.92%
Details

Interest rate 2.71%; interest compounded daily and paid monthly

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 25, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
125 Stephenson Hwy, Troy, MI 48083
Online CD - 5 Year
$0
2.75% ▼ 0.29% below Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▼ 0.29% below avgNationally 2.92%
Details

Online CD; Open online; APY accurate as of 07/28/2026

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 25, 2026
Valley Credit Union Salem, OR
Institution Rating:
C+4.2 ★Texas Ratio: 24.68%
5600 Crooks Rd, Troy, MI 48098
Share and IRA Certificates - 5 Year
$0
2.70% ▼ 0.34% below Michigan avg
View
▼
Rate2.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▼ 0.34% below avgNationally 2.92%
Details

Rate History
No change since Sep 14, 2026 · 2.70% APY · checked 6 times
2.20%2.70%3.20%Sep 14, 2026: 2.70% APYSep 14, 2026Oct 25, 2026
Valley Credit Union Salem, OR
Institution Rating:
C+4.2 ★Texas Ratio: 24.68%
5600 Crooks Rd, Troy, MI 48098
5 Year Bump Up Certificates
$0
2.60% ▼ 0.44% below Michigan avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▼ 0.44% below avgNationally 2.92%
Details

Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 7 times
2.10%2.60%3.10%Sep 14, 2026: 2.60% APYSep 14, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
60 Month Certificate of Deposit
$500
2.53% ▼ 0.51% below Michigan avg
View
▼
Rate2.53%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▼ 0.51% below avgNationally 2.92%
Details

Balance: $50,000-$99,999; Effective Date: March 13, 2025

Rate History
No change since Oct 22, 2026 · 2.53% APY
2.03%2.53%3.03%Oct 22, 2026: 2.53% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
60 Month IRA Certificate
$0
2.53% ▼ 0.51% below Michigan avg
View
▼
Rate2.53%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▼ 0.51% below avgNationally 2.92%
Details

Rate History
No change since Oct 22, 2026 · 2.53% APY
2.03%2.53%3.03%Oct 22, 2026: 2.53% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
IRA Certificate of Deposit - 60 Months
$0
2.53% ▼ 0.51% below Michigan avg
View
▼
Rate2.53%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▼ 0.51% below avgNationally 2.92%
Details

Balance: $50,000 - $99,999; Effective Date: March 13, 2025

Rate History
No change since Oct 22, 2026 · 2.53% APY
2.03%2.53%3.03%Oct 22, 2026: 2.53% APYOct 22, 2026Oct 25, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
1785 Rochester Rd, Troy, MI 48083
60 Month Jumbo Certificate
$0
2.52% ▼ 0.52% below Michigan avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▼ 0.52% below avgNationally 2.92%
Details

Dividends paid quarterly; Penalties may apply for early withdrawal

Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 8 times
2.02%2.52%3.02%Sep 14, 2026: 2.52% APYSep 14, 2026Oct 25, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
1785 Rochester Rd, Troy, MI 48083
Certificate of Deposit - 60 months
$1,000
2.52% ▼ 0.52% below Michigan avg
View
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▼ 0.52% below avgNationally 2.92%
Details

Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 8 times
2.02%2.52%3.02%Sep 14, 2026: 2.52% APYSep 14, 2026Oct 25, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
1785 Rochester Rd, Troy, MI 48083
Individual Retirement Account (IRA) - 60 months
$0
2.52% ▼ 0.52% below Michigan avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▼ 0.52% below avgNationally 2.92%
Details

Rate History
No change since Oct 14, 2026 · 2.52% APY · checked 2 times
2.02%2.52%3.02%Oct 14, 2026: 2.52% APYOct 14, 2026Oct 25, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
1785 Rochester Rd, Troy, MI 48083
Jumbo IRA Certificates - 60 months
$0
2.52% ▼ 0.52% below Michigan avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▼ 0.52% below avgNationally 2.92%
Details

Rate History
No change since Oct 14, 2026 · 2.52% APY · checked 2 times
2.02%2.52%3.02%Oct 14, 2026: 2.52% APYOct 14, 2026Oct 25, 2026
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
255 E Maple Rd, Troy, MI 48083
60 Month Share Certificate
$500
2.50% ▼ 0.54% below Michigan avg
View
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▼ 0.54% below avgNationally 2.92%
Details

Compounding: Monthly; Effective Date: 10/05/2026

Rate History
No change since Oct 9, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 9, 2026: 2.50% APYOct 9, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
60 Month Certificate of Deposit
$500
2.11% ▼ 0.93% below Michigan avg
View
▼
Rate2.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▼ 0.93% below avgNationally 2.92%
Details

Balance: $25,000-$49,999; Effective Date: March 13, 2025

Rate History
No change since Oct 22, 2026 · 2.11% APY
1.61%2.11%2.61%Oct 22, 2026: 2.11% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
Certificate of Deposit - 60 Months
$0
2.11% ▼ 0.93% below Michigan avg
View
▼
Rate2.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▼ 0.93% below avgNationally 2.92%
Details

Balance: $25,000 - $49,999; Certificate of Deposit Rates ($25,000-$49,999); Effective Date: March 13, 2025

Rate History
No change since Oct 22, 2026 · 2.11% APY
1.61%2.11%2.61%Oct 22, 2026: 2.11% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
IRA Certificate - 60 Months
$0
2.11% ▼ 0.93% below Michigan avg
View
▼
Rate2.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▼ 0.93% below avgNationally 2.92%
Details

Standard Rates table; no balance tier stated

Rate History
No change since Oct 22, 2026 · 2.11% APY
1.61%2.11%2.61%Oct 22, 2026: 2.11% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
60 Month Certificate of Deposit
$10,000
1.97% ▼ 1.07% below Michigan avg
View
▼
Rate1.95%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▼ 1.07% below avgNationally 2.92%
Details

$10,000-$24,999 tier

Rate History
No change since Oct 22, 2026 · 1.97% APY
1.47%1.97%2.47%Oct 22, 2026: 1.97% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
Certificate of Deposit - 60 Months
$0
1.97% ▼ 1.07% below Michigan avg
View
▼
Rate1.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▼ 1.07% below avgNationally 2.92%
Details

Balance: $10,000-$24,999

Rate History
No change since Oct 22, 2026 · 1.97% APY
1.47%1.97%2.47%Oct 22, 2026: 1.97% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
IRA Certificate of Deposit - 60 Months
$0
1.97% ▼ 1.07% below Michigan avg
View
▼
Rate1.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▼ 1.07% below avgNationally 2.92%
Details

Balance: $10,000 - $24,999; Effective Date: March 13, 2025

Rate History
No change since Oct 22, 2026 · 1.97% APY
1.47%1.97%2.47%Oct 22, 2026: 1.97% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
60 Month Certificate of Deposit
$0
1.87% ▼ 1.17% below Michigan avg
View
▼
Rate1.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▼ 1.17% below avgNationally 2.92%
Details

Balance: $500 - $2,499; Effective Date: March 13, 2025

Rate History
No change since Oct 22, 2026 · 1.87% APY
1.37%1.87%2.37%Oct 22, 2026: 1.87% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
Certificate of Deposit - 60 Months
$0
1.87% ▼ 1.17% below Michigan avg
View
▼
Rate1.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▼ 1.17% below avgNationally 2.92%
Details

Balance: $500-$2,499

Rate History
No change since Oct 22, 2026 · 1.87% APY
1.37%1.87%2.37%Oct 22, 2026: 1.87% APYOct 22, 2026Oct 25, 2026
Credit Union One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6010 Rochester Rd, Troy, MI 48085 1301
IRA Certificate of Deposit - 60 Months
$0
1.87% ▼ 1.17% below Michigan avg
View
▼
Rate1.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Michigan Average3.04%▼ 1.17% below avgNationally 2.92%
Details

Balance: $500 - $2,499; Effective Date: March 13, 2025

Rate History
No change since Oct 22, 2026 · 1.87% APY
1.37%1.87%2.37%Oct 22, 2026: 1.87% APYOct 22, 2026Oct 25, 2026
OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
6693 Rochester Rd, Troy, MI 48085
60 Month Term Share Account
$500
1.76% ▼ 1.28% below Michigan avg
View
▼
Rate1.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▼ 1.28% below avgNationally 2.92%
Details

Share Certificates; $500 minimum deposit to earn dividends; Effective Date: Sunday, October 18th, 2026

Rate History
No change since Sep 14, 2026 · 1.76% APY · checked 7 times
1.26%1.76%2.26%Sep 14, 2026: 1.76% APYSep 14, 2026Oct 25, 2026
OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
6693 Rochester Rd, Troy, MI 48085
Term Share IRAs - 5 Year Fixed Rate Term
$500
1.76% ▼ 1.28% below Michigan avg
View
▼
Rate1.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▼ 1.28% below avgNationally 2.92%
Details

Effective Date: Sunday, October 18th, 2026; $500 minimum deposit to earn dividends

Rate History
No change since Oct 13, 2026 · 1.76% APY · checked 2 times
1.26%1.76%2.26%Oct 13, 2026: 1.76% APYOct 13, 2026Oct 25, 2026
OUR Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
6693 Rochester Rd, Troy, MI 48085
Term Share IRAs - Roth IRA - 60 Month Term Share
$500
1.76% ▼ 1.28% below Michigan avg
View
▼
Rate1.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▼ 1.28% below avgNationally 2.92%
Details

Effective Date: Sunday, October 18th, 2026; $500 minimum deposit to earn dividends

Rate History
No change since Oct 19, 2026 · 1.76% APY
1.26%1.76%2.26%Oct 19, 2026: 1.76% APYOct 19, 2026Oct 25, 2026
Berkeley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
5600 Crooks Rd, Troy, MI 48098 2811
Share Certificate - 60 Months
$0
0.90% ▼ 2.14% below Michigan avg
View
▼
Rate0.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.04%▼ 2.14% below avgNationally 2.92%
Details

Balance to earn Dividend: $500; Rate/APY: 0.90%/0.90%

Rate History
No change since Oct 13, 2026 · 0.90% APY · checked 2 times
0.40%0.90%1.40%Oct 13, 2026: 0.90% APYOct 13, 2026Oct 25, 2026
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
751 E Big Beaver Road, Troy, MI 48083
IRA Term Share Certificates - 60 Month Term
$0
0.75% ▼ 2.29% below Michigan avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.04%▼ 2.29% below avgNationally 2.92%
Details

Rate History
No change since Oct 15, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 15, 2026: 0.75% APYOct 15, 2026Oct 25, 2026
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
751 E Big Beaver Road, Troy, MI 48083
Share Certificates - 60 Month Term
$0
0.75% ▼ 2.29% below Michigan avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Michigan Average3.04%▼ 2.29% below avgNationally 2.92%
Details

A penalty may be imposed for early withdrawal

Rate History
No change since Oct 15, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 15, 2026: 0.75% APYOct 15, 2026Oct 25, 2026
Community Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
30 E Long Lake Rd, Troy, MI 48085 4712
5-Year Certificate
$0
0.50% ▼ 2.54% below Michigan avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Michigan Average3.04%▼ 2.54% below avgNationally 2.92%
Details

Effective October 1, 2026

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
725 E Big Beaver Rd, Troy, MI 48083
Certificate of Deposit - 60 Months
$1,000
0.03% ▼ 3.01% below Michigan avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▼ 3.01% below avgNationally 2.92%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
725 E Big Beaver Rd, Troy, MI 48083
IRA CD 60 Months
$250
0.03% ▼ 3.01% below Michigan avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▼ 3.01% below avgNationally 2.92%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
725 E Big Beaver Rd, Troy, MI 48083
Certificate of Deposit - 60 Months
$1,000
0.02% ▼ 3.02% below Michigan avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▼ 3.02% below avgNationally 2.92%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
725 E Big Beaver Rd, Troy, MI 48083
IRA CD 60 Months
$250
0.02% ▼ 3.02% below Michigan avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▼ 3.02% below avgNationally 2.92%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
725 E Big Beaver Rd, Troy, MI 48083
Certificate of Deposit - 60 Months
$1,000
0.01% ▼ 3.03% below Michigan avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Michigan Average3.04%▼ 3.03% below avgNationally 2.92%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
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.

Top CD Rates from Troy, Michigan Institutions

Highest verified APYs available today, updated October 23, 2026

B Top 5 Bank Rates
Superior National Bank
48 Month CD
A+ 5.0 ★ TX: 4.32%
Min: $500
4.30%
Flagstar Bank, National Association
12-Month Business CD
D 3.3 ★ TX: 35.11%
Min: $500
4.30%
Mercantile Bank
Certificate of Deposit - 6 Month
A+ 5.0 ★ TX: 0.63%
Min: $500
3.95%
Independent Bank
3-Month CD Special
A 5.0 ★ TX: 6.46%
Min: $0
3.76%
Farmers & Merchants State Bank Archbold, OH
12 Month Fixed IRA
A+ 5.0 ★ TX: 1.84%
Min: $0
3.50%
CU Top 5 Credit Union Rates
Chief Financial Federal Credit Union
24 Month Share Certificate
A+ 5.0 ★ TX: 3.98%
Min: $0
4.45%
LMCU Lake Michigan Credit Union
60 Month IRA/HSA CD - VIP Bonus
A+ 5.0 ★ TX: 2.31%
Min: $500
4.15%
Genisys Credit Union
Jumbo and Jumbo IRA Certificates - 3 Years
A+ 5.0 ★ TX: 5.37%
Min: $0
4.13%
Walled Lake Schools Federal Credit Union
Share Certificate - 18 Months
A+ 5.0 ★ TX: 2.30%
Min: $1,000
4.10%
Cornerstone Community Financial Credit Union
Youth Certificates - NEW MONEY GenGrow 12-month CD
A 5.0 ★ TX: 7.38%
Min: $0
4.00%
Rates verified October 23, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Troy, MI CD Rate Trends

Compare local Troy, 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.

View Full Michigan CD Trends
12-Month CD MI Avg
3.110%
▼ 0.026 vs 7 days ago

Michigan 12-month CD rates fell 0.026 points over the past 7 days to 3.110% APY.

6-Month CD MI Avg
2.874%
▼ 0.039 vs 7 days ago

Michigan 6-month CD rates fell 0.039 points over the past 7 days to 2.874% APY.

As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions

MI CD Rate Forecast, Next 12 Months

Where are Michigan CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

MI 12-Month Avg APY
3.110%
6-Month Forecast
3.110%
Range: 2.91%, 3.26%
12-Month Forecast
3.360%
Range: 3.16%, 3.51%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Michigan average 12-month CD APY in our database.

Spread model: The Michigan 12-month CD average currently trades 1.27% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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What Your Savings Earn at MI CD Rates Today

Annual interest earnings at today’s Michigan average APYs. State average used where available; national average as fallback.

CD Term MI Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.141% $107.04 $214.08 $535.20 $1,070.40
6-Month CD 2.874% $143.71 $287.42 $718.55 $1,437.10
12-Month CD 3.110% $155.50 $311.00 $777.50 $1,555.00
18-Month CD 3.043% $152.13 $304.26 $760.65 $1,521.30
24-Month CD 2.963% $148.17 $296.33 $740.83 $1,481.65
36-Month CD 2.933% $146.65 $293.29 $733.23 $1,466.45
48-Month CD 3.006% $150.30 $300.60 $751.50 $1,503.00
60-Month CD 3.045% $152.24 $304.48 $761.20 $1,522.40
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026.
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Sample CD Ladder for Troy, 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.

Build Your Ladder
Rung Term Deposit MI Avg APY Annual Earnings
1 3-Month CD $5,000 2.141% $107.04
2 6-Month CD $5,000 2.874% $143.71
3 12-Month CD $5,000 3.110% $155.50
4 24-Month CD $5,000 2.963% $148.17
5 36-Month CD $5,000 2.933% $146.65
Total ($25,000 invested) $25,000 2.804% blended $701.07/yr

Ladder example uses equal $5,000 rungs and Michigan average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

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2,024
CD Rates
Tracked in Troy, Michigan
25 Banks 84 Credit Unions

About Our Troy, Michigan CD Rate Database

MonitorBankRates tracks 2,024 CD rates from 25 banks and 84 credit unions with locations in Troy, Michigan, plus national online institutions available to Michigan residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Chief Financial Federal Credit Union offers a CD at 4.45% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Troy, Michigan.

How to Find the Best CD Rates in Troy, Michigan

What to compare when shopping for a CD in Troy, Michigan

To find the best APYs in Troy, Michigan, start with credit unions and online-only banks: Troy, Michigan has 84 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 Troy, 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 Troy, Michigan: 109 institutions here report CD rates

Consider an Alternative If…

Troy, Michigan Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
17.9%
National avg: 17.3%
Median Individual Earnings
$65,226
National avg: $47,340
Poverty Rate
5.4%
National avg: 11.1%
Unemployment Rate
4.4%
National avg: 4.8%
CD Earnings on 10% of Salary
$203/yr
At MI 12-mo avg 3.110% APY

17.9% of residents are 65 or older, in line with the national average of 17.3%. At today’s MI 12-month CD average of 3.110%, saving 10% of the local median salary ($6,522/year) and putting it in a CD would earn an additional $203 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 Troy, Michigan

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in Troy, Michigan

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Troy, Michigan typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Troy, Michigan as everywhere in the U.S.

Choosing a CD Term in Troy, Michigan

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Troy, Michigan savers easier access to their funds. For example, Flagstar Bank, National Association is offering its 6-Month Business CD at 4.10% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Superior National Bank is offering its 60 Month CD at 4.30% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Troy, Michigan Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Troy, Michigan saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in Troy, Michigan

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Troy, Michigan CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in Troy, Michigan

Most CDs carry a fixed rate that is locked for the entire term, protecting a Troy, Michigan depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in Troy, Michigan

Are CD rates in Troy, Michigan FDIC insured?

Yes, most established banks in Troy, 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 Troy, 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 Troy, 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 Troy, 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 Troy, Michigan?

Here are recent top rates found for this area:
  • Chief Financial Federal Credit Union: 4.45% APY (24 Month Share Certificate)
  • Superior National Bank: 4.30% APY (48 Month CD)
  • Flagstar Bank, National Association: 4.30% APY (12-Month Business CD)
  • LMCU Lake Michigan Credit Union: 4.15% APY (60 Month IRA/HSA CD - VIP Bonus)
  • Genisys Credit Union: 4.13% APY (Jumbo and Jumbo IRA Certificates - 3 Years)
  • Walled Lake Schools Federal Credit Union: 4.10% APY (Share Certificate - 18 Months)
  • Cornerstone Community Financial Credit Union: 4.00% APY (Youth Certificates - NEW MONEY GenGrow 12-month CD)
  • Mercantile Bank: 3.95% APY (Certificate of Deposit - 6 Month)
  • Polish American Federal Credit Union: 3.80% APY (1 Year Certificate)
  • Independent Bank: 3.76% APY (3-Month CD Special)
Rates reflect recent verified offers available in Troy, Michigan. Last Updated: October 23, 2026

Troy, Michigan CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Troy, Michigan rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Troy, Michigan CD Rates by Term

Verified October 23, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Troy, Michigan. Averages shown use the Michigan state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Troy, Michigan

Troy, Michigan CD Calculator

At today’s MI top rate of 4.45% APY, a $10,000 deposit earns $445 in the first year. Enter your amount to see your exact return.

Troy, Michigan CD Ladder

MI CD rates currently range from 2.141% (3-month) to 2.933% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Troy, Michigan CD at 4.45% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Michigan’s average 12-month CD is 3.110% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Troy, Michigan CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Troy, Michigan directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Troy, Michigan. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in MI.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 23, 2026

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