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Michigan IRA CD Rates 2016

If you have your savings dollars in a bank with low savings rates, then you are losing real money. With the magic of compounding interest, even an interest rate difference under 1% can really add up over time. See our Savings Booster Calculator to see why you should seek out a higher interest rate. The table below has an unbiased list of the savings and money market account rates of FDIC-insured banks that are near your current location (if they aren’t, then change the zip code above). Take a few minutes to explore these options and see how you can boost your savings by more than 6X the national average rate. You may also want to check credit unions near you or online banks by navigating through the tabs above. There is competition for your money. Take advantage of it!

MI - December 9, 2016

BANKS APY Term MIN MILES ?
First National Bank of America 2.00% 54 $1,000 -
Old National Bank 1.99% 84 $500 -
Horizon Bank, National Association 1.80% 84 $500 -
The Dart Bank 1.76% 60 $100,000 -
The State Bank of Ewen 1.52% - $500 -
Farmers State Bank 1.51% 54 $5,000 -
OSB Community Bank 1.50% 57 $1,000 -
Grand River Bank 1.30% 24 $5,000 -
Fifth Third Bank 1.30% 54 $5,000 -
Northpointe Bank 1.30% 23 $5,000 -
Horizon Bank, National Association 1.25% 36 $500 -
The Dart Bank 1.25% 24 $1,000 -
The Dart Bank 1.13% 24 $5,000 -
Horizon Bank, National Association 1.10% 60 $500 -
Fifth Third Bank 1.10% 36 $5,000 -
Macatawa Bank 1.10% 37 $1,000 -
Level One Bank 1.10% 14 $500 -
Grand River Bank 1.05% - $1,000 -
First National Bank of America 1.05% - $1,000 -
First National Bank of America 1.05% - $1,000 -
Northpointe Bank 1.00% 12 $5,000 -
Community State Bank 1.00% 60 $1,000 -
Sturgis Bank & Trust Company 1.00% 31 $5,000 -
Community Shores Bank 1.00% 24 $1,000 -
First National Bank in Howell 1.00% 48 $2,000 -
Horizon Bank, National Association 0.95% 48 $500 -
Level One Bank 0.90% 9 $500 -
The Dart Bank 0.90% 18 $500 -
Range Bank, National Association 0.90% 36 $2,500 -
Chemical Bank 0.85% 25 $100 -
Liberty Bank and Trust Company 0.83% - $1,000 -
The Huntington National Bank 0.75% 24 $1 -
Freeland State Bank 0.75% - $1 -
Fifth Third Bank 0.75% 18 $5,000 -
First National Bank of America 0.75% 3 $1,000 -
Farmers State Bank 0.75% 21 $5,000 -
First National Bank in Howell 0.75% 24 $2,000 -
First National Bank of Michigan 0.75% 18 $10,000 -
OSB Community Bank 0.70% 33 $1,000 -
Gogebic Range Bank 0.65% - $500 -
Independent Bank 0.65% - $1,000 -
The Miners State Bank 0.65% 15 $1,000 -
The First National Bank of Wakefield 0.60% - $500 -
Sturgis Bank & Trust Company 0.55% 10 $5,000 -
First Bank, Upper Michigan 0.55% - $1 -
Eaton Federal Savings Bank 0.55% - $500 -
Commercial Bank 0.55% - $500 -
Wells Fargo Bank, National Association 0.50% 58 $2,500 -
Baybank 0.50% - $500 -
The State Savings Bank of Manistique 0.50% - $1,000 -
First National Bank of Crystal Falls 0.50% - $500 -
The Stephenson National Bank and Trust 0.50% - $1,000 -
G. W. Jones Exchange Bank 0.50% - $500 -
Wolverine Bank 0.50% - $500 -
Mercantile Bank of Michigan 0.50% - $500 -
The Shelby State Bank 0.50% 34 $1,000 -
Lake-Osceola State Bank 0.50% 15 $2,000 -
The Huntington National Bank 0.50% 19 $1 -
Upper Peninsula State Bank 0.50% - $500 -
The First National Bank of Norway 0.50% - $1,000 -
Horizon Bank, National Association 0.50% 12 $500 -
Farmers State Bank 0.50% 11 $5,000 -
The Miners State Bank 0.50% 13 $1,000 -
Lake-Osceola State Bank 0.45% - $500 -
Peoples State Bank of Munising 0.45% - $1 -
Range Bank, National Association 0.45% 13 $2,500 -
The First National Bank of St. Ignace 0.43% - $1,000 -
The Miners State Bank 0.40% - $1,000 -
Edgewater Bank 0.40% - $500 -
The Huntington National Bank 0.40% 14 $1 -
Huron Community Bank 0.40% - $500 -
Traverse City State Bank 0.40% - $500 -
Chemical Bank 0.40% - $100 -
Bank of Birmingham 0.40% - $500 -
Community State Bank 0.40% 30 $1,000 -
Northern Michigan Bank & Trust 0.40% - $1,000 -
The Dart Bank 0.40% - $500 -
First National Bank of Michigan 0.40% - $500 -
New Buffalo Savings Bank 0.36% - $100 -
Blissfield State Bank 0.35% - $1,000 -
Community Shores Bank 0.35% - $1,000 -
Range Bank, National Association 0.35% - $1,000 -
Superior National Bank & Trust Company 0.35% - $500 -
Homestead Savings Bank 0.35% - $1,000 -
Ann Arbor State Bank 0.35% - $500 -
Level One Bank 0.35% - $500 -
mBank 0.35% - $250 -
Isabella Bank 0.35% - $500 -
Bay Port State Bank 0.35% - $500 -
OSB Community Bank 0.35% - $1,000 -
First National Bank in Howell 0.35% 12 $2,000 -
Clarkston State Bank 0.35% - $500 -
Old Mission Bank 0.35% - $500 -
Exchange State Bank 0.35% - $1,000 -
River Valley Bank 0.35% - $1,000 -
Central State Bank 0.32% - $1,000 -
State Savings Bank, Frankfort, Mich. 0.32% - $500 -
Alden State Bank 0.30% - $1,000 -
Chelsea State Bank 0.30% - $500 -
West Shore Bank 0.30% - $500 -
Charlevoix State Bank 0.30% - $500 -
Farmers State Bank of Munith 0.30% - $500 -
The Huntington National Bank 0.30% 14 $1 -
Wells Fargo Bank, National Association 0.30% 39 $2,500 -
Bank of Ann Arbor 0.30% - $1,000 -
Urban Partnership Bank 0.30% - $500 -
Kalamazoo County State Bank 0.29% - $1 -
Old National Bank 0.25% - $500 -
Oxford Bank 0.25% - $50 -
Macatawa Bank 0.25% - $1,000 -
First Federal of Northern Michigan 0.25% - $250 -
United Bank of Michigan 0.25% - $500 -
Nicolet National Bank 0.25% - $1,000 -
The PrivateBank and Trust Company 0.25% - $5,000 -
First Federal Bank of the Midwest 0.25% - $500 -
The Shelby State Bank 0.25% 17 $1,000 -
Central Savings Bank 0.25% - $10 -
Tri-County Bank 0.25% - $500 -
First State Bank 0.25% - $1,000 -
The First National Bank & Trust Company of Iron Mountain 0.25% - $1,000 -
Capitol National Bank 0.25% - $500 -
CSB Bank 0.20% - $500 -
1st State Bank 0.20% - $500 -
Community State Bank 0.20% - $500 -
Thumb National Bank and Trust Company 0.20% - $500 -
Citizens National Bank of Cheboygan 0.20% - $1,000 -
First National Bank in Howell 0.20% - $500 -
Flagstar Bank, FSB 0.20% - $500 -
Wells Fargo Bank, National Association 0.20% 26 $2,500 -
Northstar Bank 0.20% - $1,000 -
Century Bank and Trust 0.20% - $500 -
Horizon Bank, National Association 0.20% - $500 -
Farmers State Bank 0.20% - $500 -
Wells Fargo Bank, National Association 0.16% 24 $1 -
Monroe Bank & Trust 0.15% - $1 -
The Huntington National Bank 0.15% - $1 -
Lapeer County Bank & Trust Co. 0.15% - $1,000 -
Eastern Michigan Bank 0.15% - $500 -
Sturgis Bank & Trust Company 0.15% - $500 -
PNC Bank, National Association 0.15% - $1,000 -
KeyBank National Association 0.15% - $1,000 -
The Hastings City Bank 0.15% - $500 -
Southern Michigan Bank & Trust 0.15% - $500 -
Community State Bank 0.15% 9 $1,000 -
PNC Bank, National Association 0.13% - $1,000 -
Comerica Bank 0.10% - $1 -
The Shelby State Bank 0.10% - $1,000 -
The Huntington National Bank 0.10% 14 $2,000,000 -
Wells Fargo Bank, National Association 0.10% 9 $2,500 -
ChoiceOne Bank 0.10% - $500 -
The State Bank 0.10% - $1,000 -
PNC Bank, National Association 0.10% - $1,000 -
Bank of America, National Association 0.07% 12 $2,000 -
Hantz Bank 0.05% - $500 -
TCF National Bank 0.05% - $500 -
Fifth Third Bank 0.05% - $500 -
Wells Fargo Bank, National Association 0.05% - $1 -
Bank of America, National Association 0.05% - $1 -
Guaranty Bank 0.05% - $1,000 -
Citizens Bank, National Association 0.03% - $250 -
JPMorgan Chase Bank, National Association 0.01% - $1 -
Bank of America, National Association 0.01% 9 $2,000 -


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  • Gary Ronan

    May 03, 2016

    Your not locked in for 5 years. You can take it out any time but you will lose interest for a specified term. My credit union which holds my Roth IRA will dun me 6 months interest but your not making much anyway.

  • Carolyn Hornyak

    January 18, 2016

    I saw in the Phoenix, Arizona an ad for Sun Cities Financial Group advertising a high yield CD special for 4.40%? Is this legitimate?

    Carolyn

  • JOHN

    January 14, 2016

    MORE USELESS INFO. NO LENGHT OF TERM LISTED. ONLY USEFULL INFO IS NAME OF INSTITUTION SO I CAN PHONE THEM.

  • Chotzey

    December 30, 2015

    To lock in @ 5 years may be risky. When watching MSNBC the other day they were saying rates are to be gradually going up. May be a gamble, but everything is.

  • Ray P

    December 30, 2015

    None of the rates shown can be found at any of the banks. The actual bank rates are almost half of what is shown here.

  • Lori Martin

    January 09, 2015

    Jack:

    ??? Looked up rates at PenFed (we're a member) and they show a 5 yr at 1.76%. The last time it was 3.0 and over (3.04) was in Dec. 2013 (for the 5 & 7 year).

  • Jack Mazer

    January 27, 2014

    Penfed offers a 60 month cd at 3 percent.

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