Best Special Rates and Terms in Midland, Michigan, MI

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Below are special Certificate of Deposit special rates and terms from banks in Midland, 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.

Midland, MI - November 7, 2026

What is the best special CD rate in Midland, MI?

As of November 7, 2026, the highest special CD rate from a bank in Midland, 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 Ashman Street Branch	5.00%	$10,000	5 months	Learn More Reviews
Rate History: 1.00% → 5.00%
Independent Bank Saginaw Center Branch	3.87%	$1,000	3 months	Learn More Reviews
Rate History: 3.97% → 3.87% → 3.92% → 3.97% → 3.87%
Independent Bank Saginaw Center Branch	3.76%	$1,000	11 months	Learn More Reviews
Rate History: 3.92% → 3.87% → 3.92% → 3.87% → 3.76%
Independent Bank Saginaw Center Branch	3.61%	$1,000	36 months	Learn More Reviews
Rate History: 3.71% → 3.76% → 3.66% → 3.56% → 3.61%
PNC Bank, National Association Gratiot Road Branch	3.50%	$1,000	13 months	Learn More Reviews (1)
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%
PNC Bank, National Association Gratiot Road Branch	2.60%	$1,000	61 months	Learn More Reviews (1)
PNC Bank, National Association Gratiot Road Branch	2.40%	$1,000	37 months	Learn More Reviews (1)
JPMorgan Chase Bank, National Association Hemlock Branch	2.25%	$100,000	6 months	Learn More Reviews (18)
Rate History: 1.50% → 1.01% → 0.75% → 0.50% → 2.25%
PNC Bank, National Association Gratiot Road Branch	2.20%	$1,000	25 months	Learn More Reviews (1)
PNC Bank, National Association Gratiot Road Branch	2.10%	$1,000	19 months	Learn More Reviews (1)
PNC Bank, National Association Gratiot Road Branch	1.90%	$1,000	9 months	Learn More Reviews (1)
Rate History: 0.05% → 1.90%

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 Midland, MI - November 7, 2026

Branch	Street	City	State
Horizon Bank of Michigan City, Indiana Ashman Street Branch	118 Ashman Street	Midland	MI
Independent Bank Saginaw Center Branch	1445 N. Center	Saginaw	MI
Independent Bank Saginaw Center Branch	1445 N. Center	Saginaw	MI
Independent Bank Saginaw Center Branch	1445 N. Center	Saginaw	MI
PNC Bank, National Association Gratiot Road Branch	5270 Gratiot Road	Saginaw	MI
PNC Bank, National Association Gratiot Road Branch	5270 Gratiot Road	Saginaw	MI
PNC Bank, National Association Gratiot Road Branch	5270 Gratiot Road	Saginaw	MI
JPMorgan Chase Bank, National Association Hemlock Branch	349 West Saginaw Street	Hemlock	MI
PNC Bank, National Association Gratiot Road Branch	5270 Gratiot Road	Saginaw	MI
PNC Bank, National Association Gratiot Road Branch	5270 Gratiot Road	Saginaw	MI
PNC Bank, National Association Gratiot Road Branch	5270 Gratiot Road	Saginaw	MI