Best Special Rates and Terms in Bay City, Michigan, MI

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Below are special Certificate of Deposit special rates and terms from banks in Bay City, Michigan. Special CD offers can change weekly so check back frequently for updates. You can also view specials for banks in your local area or for credit unions in your area.

Bay City, MI - November 7, 2026

What is the best special CD rate in Bay City, MI?

As of November 7, 2026, the highest special CD rate from a bank in Bay City, MI is 5.00% APY from Horizon Bank of Michigan City, Indiana (minimum deposit $10,000). The best rate with a $1,000 minimum or less is 3.87% APY from Independent Bank (minimum deposit $1,000). The table below ranks every special CD listed for this area. Rates change frequently, so check back for the latest numbers.

Bank	APY	MIN	PERIOD
Horizon Bank of Michigan City, Indiana Frankenmuth Branch	5.00%	$10,000	5 months	Learn More Reviews
Rate History: 1.00% → 5.00%
Independent Bank Bridgeport Branch	3.87%	$1,000	3 months	Learn More Reviews
Rate History: 3.97% → 3.87% → 3.92% → 3.97% → 3.87%
Independent Bank Bridgeport Branch	3.76%	$1,000	11 months	Learn More Reviews
Rate History: 3.92% → 3.87% → 3.92% → 3.87% → 3.76%
Independent Bank Bridgeport Branch	3.61%	$1,000	36 months	Learn More Reviews
Rate History: 3.71% → 3.76% → 3.66% → 3.56% → 3.61%
CIT Bank, a division of First-Citizens Bank and Trust	3.25%	$1,000	13 months	Learn More Reviews (33)
Rate History: 3.50% → 3.35% → 3.25%
JPMorgan Chase Bank, National Association Bridgeport Dixie Highway Branch	2.25%	$100,000	6 months	Learn More Reviews (18)
Rate History: 1.50% → 1.01% → 0.75% → 0.50% → 2.25%

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around Bay City, MI - November 7, 2026

Branch	Street	City	State
Horizon Bank of Michigan City, Indiana Frankenmuth Branch	464 North Main Street	Frankenmuth	MI
Independent Bank Bridgeport Branch	5500 Dixie Highway	Saginaw	MI
Independent Bank Bridgeport Branch	5500 Dixie Highway	Saginaw	MI
Independent Bank Bridgeport Branch	5500 Dixie Highway	Saginaw	MI
JPMorgan Chase Bank, National Association Bridgeport Dixie Highway Branch	6310 Dixie Highway	Bridgeport	MI