Image Courtesy: pixabay.com
Image Courtesy: pixabay.com
You are viewing rates from banks across Bay City
Below are the best three-month CD Rates from banks in Bay City, Michigan . Three-month CD rates are generally the shortest term offered by banks and come with the lowest interest rates. You may want to consider opening a 3-month CD if they the rates are comparable to a savings and money market account, you don’t need the money for the time period, and you feel that savings rates will drop.
Bay City, MI - October 30, 2025
CD National Average : 2.24% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
|
4.25% |
$25,000 |
- |
Learn More
|
|
|
3 Month CD. |
||||
|
79Thru | Mar 21, 2023 Parent seems to be owned by a large Chilean bank. Not saying this is good or bad, but it is complication, especially in the current environment. Read More |
||||
|
4.15% |
$2,500 |
17.37 |
Learn More
|
|
|
Cory,Baldwin | Oct 18, 2016 IF the Cd's our that high then way i'm i the last to find out what The apys are. Read More |
||||
|
3.87% |
$1,000 |
15.80 |
Learn More
|
|
|
Rate History: 3.97% → 3.87% → 3.92% → 3.97% → 3.87% |
||||
|
2.01% |
$500 |
24.49 |
Learn More
|
|
|
Rate History: 1.00% → 2.00% → 2.01% → 2.01% |
||||
|
1.01% |
$10,000 |
17.63 |
Learn More
|
|
|
Rate History: 4.00% → 3.50% → 2.25% → 1.25% → 1.01% |
||||
|
Hayley7788d@outlook.com | Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More |
||||
|
0.20% |
$1,000 |
- |
Learn More
|
|
|
Jeff Talmage | Aug 22, 2025 Echoing the other negative reviews here. Avoid because rate is bait-and-switch, website is awful and service is not acceptable (provided by offshore reps who barely speak English, raise their voice and ad... Read More |
||||
| Branch | Street | City | State |
|---|---|---|---|
|
Comerica Bank Midland Branch |
201 Macdonald Street | Midland | MI |
|
Independent Bank Bridgeport Branch |
5500 Dixie Highway | Saginaw | MI |
|
Mercantile Bank Saint Charles Branch |
102 Pine Street | St. Charles | MI |
|
JPMorgan Chase Bank, National Association Bridgeport Dixie Highway Branch |
6310 Dixie Highway | Bridgeport | MI |
BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
3 Month Certificates of Deposit offered by local banks are often the shortest term offered. Three month certificates of deposit rates underperform the returns on savings and money market accounts and have for some time. As a result, savers may find savings and money market accounts to offer a higher yield and more flexibility than a three year CD.
Any certificate of deposit will bear substantial penalties for early withdrawal, if it is even allowed. As a result of the penalty, depositors who might need to withdraw from short term CDs early will ordinary lose some of their principal. Under no circumstances should depositors open a 3 month CD if they think that there is any chance that they will need to access the money in less than 3 months.
While online banks often offer better rates on short term CDs, local banks are provide the convenience of walking into a branch to open a CD, deposit funds, or withdraw the CD when it matures. In addition, a CD is often an entree into a broader relationship with a financial institution which may become important if the depositor wishes to borrow money.
All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.
To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.
Find out how much extra money you can earn by moving your bank money into an account that pays more.
Use or Change these Amounts And Rates