Image Courtesy: pixabay.com
Image Courtesy: pixabay.com
You are viewing rates from banks across Michigan
Below are special Certificate of Deposit special rates and terms from banks in 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.
MI - November 10, 2026
As of November 10, 2026, the highest special CD rate from a bank in Michigan is 5.05% APY from 1st Source Bank (minimum deposit $500). 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 | |
|---|---|---|---|---|
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Niles-Martins Branch
|
5.05% | $500 | 11 months |
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Horizon Bank of Michigan City, Indiana Summit Community Bank Branch |
5.00% | $10,000 | 5 months |
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Rate History: 1.00% → 5.00% |
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Finworth, a division of InsBank |
4.55% | $50,000 | 22 months |
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Rate History: 3.50% → 3.20% → 4.35% → 4.45% → 4.55% |
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Rising Bank, a division of Midwest BankCentre |
4.51% | $1,000 | 15 months |
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Early Withdrawal Penalty is 180 days interest. |
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4.50% | $0 | 10 months |
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Rate History: 4.40% → 4.50% |
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4.50% | $1,000 | 13 months |
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Rate History: 3.71% → 3.90% → 4.00% → 4.30% → 4.50% |
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4.50% | $5,000 | 13 months |
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Rate History: 4.20% → 3.50% → 3.75% → 4.00% → 4.50% |
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4.50%
4.30% 4.30% |
$0
$0 |
15 months |
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Early withdrawal penalty is 180 days' interest. |
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4.50% | $10,000 | 15 months |
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Rate History: 4.00% → 3.50% → 4.00% → 4.25% → 4.50% |
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|
Niles-Martins Branch
|
4.50% | $500 | 17 months |
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4.35% | $500 | 20 months |
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20-Month rate bump CD. |
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4.30% | $1,000 | 13 months |
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Rate History: 4.30% → 3.60% → 3.60% → 4.10% → 4.30% |
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Northpointe Bank Branch
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4.25% | $25,000 | 11 months |
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Rate History: 5.10% → 4.90% → 4.50% → 4.30% → 4.25% |
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4.25%
4.00% 3.50% 3.00% 2.80% 2.70% 2.50% 4.00%3.50% 3.00% 2.80% 2.70% 2.50% |
$1,000
$1,000 $1,000 $1,000 $1,000 $1,000 $1,000 |
13 months |
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|
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Rate History: 2.00% → 2.00% → 2.00% → 3.50% → 4.25% |
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4.25% | $1,000 | 22 months |
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Rate History: 4.00% → 3.80% → 3.55% → 4.10% → 4.25% |
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Vio Bank, A Division of MidFirst Bank |
4.20% | $500 | 9 months |
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Rate History: 4.05% → 4.20% |
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4.03% | $500 | 7 months |
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Rate History: 3.30% → 4.03% |
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4.00% | $10,000 | 4 months |
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OneWest Bank, a division of First-Citizens Bank and Trust |
4.00% | $5,000 | 5 months |
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4.00% | $5,000 | 8 months |
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Rate History: 4.00% → 4.00% → 3.75% → 3.75% → 4.00% |
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4.00%
3.80% 3.75% 3.80%3.75% |
$500
$500 $500 |
11 months |
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|
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Rate History: 3.90% → 4.05% → 3.95% → 3.80% → 4.00% |
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4.00% | $2,500 | 11 months |
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Rate History: 3.75% → 3.60% → 3.55% → 3.75% → 4.00% |
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Brilliant Bank, a division of Equity Bank |
4.00% | $1,000 | 15 months |
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Rate History: 4.85% → 4.35% → 4.30% → 4.06% → 4.00% |
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3.95% | $5,000 | 11 months |
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11-Month No Penalty CD |
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CIT Bank, a division of First-Citizens Bank and Trust |
3.90% | $1,000 | 11 months |
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Account cannot be closed online. Requires reaching phone representative to close. |
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North American Savings Bank, F.S.B. |
3.90% | $1,000 | 14 months |
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Rate History: 4.81% → 3.98% → 3.90% |
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Sebewaing M-25 Branch
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3.87% | $1,000 | 3 months |
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|
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Rate History: 3.97% → 3.87% → 3.92% → 3.97% → 3.87% |
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Vio Bank, A Division of MidFirst Bank |
3.80% | $500 | 4 months |
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|
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Rate History: 3.90% → 3.80% |
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Bank of America, National Association Woodward/Mack Branch |
3.80%
3.51% 3.51% |
$100,000
$10,000 |
7 months |
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|
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Rate History: 3.75% → 3.51% → 3.25% → 3.80% → 3.80% |
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Sebewaing M-25 Branch
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3.76% | $1,000 | 11 months |
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Rate History: 3.92% → 3.87% → 3.92% → 3.87% → 3.76% |
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3.75% | $2,500 | 6 months |
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|
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Rate History: 5.15% → 4.00% → 3.85% → 4.25% → 3.75% |
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3.75% | $500 | 7 months |
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Early withdrawal penalty is 180 days interest. |
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Citizens Bank, National Association Brighton / Kroger Branch |
3.75% | $25,000 | 8 months |
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|
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Rate History: 4.15% → 3.65% → 4.00% → 3.75% |
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OneWest Bank, a division of First-Citizens Bank and Trust |
3.75% | $5,000 | 11 months |
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3.75% | $1,000 | 13 months |
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Rate History: 3.30% → 2.65% → 2.95% → 3.30% → 3.75% |
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Wells Fargo Bank, National Association Stephenson Branch |
3.74% | $2,500 | 7 months |
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Rate History: 3.64% → 3.75% → 3.50% → 3.24% → 3.74% |
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Bank Of Rochester Branch
|
3.70% | $1,001 | 13 months |
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3.65% | $1,000 | 25 months |
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Rate History: 3.55% → 3.50% → 3.40% → 3.55% → 3.65% |
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Wells Fargo Bank, National Association Stephenson Branch |
3.64% | $2,500 | 15 months |
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Rate History: 3.74% → 3.64% |
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Sebewaing M-25 Branch
|
3.61% | $1,000 | 36 months |
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Rate History: 3.71% → 3.76% → 3.66% → 3.56% → 3.61% |
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3.60% | $1,000 | 7 months |
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Rate History: 3.80% → 3.70% → 4.00% → 4.10% → 3.60% |
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Wells Fargo Bank, National Association Stephenson Branch |
3.59% | $2,500 | 11 months |
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Rate History: 3.75% → 3.50% → 3.25% → 2.99% → 3.59% |
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Brighton Town Square Branch
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3.50% | $50,000 | 12 months |
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PNC Bank, National Association Hayworth Pfa Branch |
3.50% | $1,000 | 13 months |
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3.50% | $10,000 | 24 months |
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Warning: Early withdrawal penalty is 4% of principal withdrawn. |
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3.40% | $1,000 | 7 months |
Learn More
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Rate History: 4.03% → 3.85% → 3.51% → 3.30% → 3.40% |
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3.35%
3.25% 3.15% 3.10% 3.00% 3.25%3.15% 3.10% 3.00% |
$1,000
$1,000 $1,000 $1,000 $1,000 |
59 months |
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|
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Rate History: 2.50% → 2.50% → 2.75% → 3.00% → 3.35% |
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|
U.S. Bank National Association |
3.25% | $1,000 | 7 months |
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|
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Rate History: 4.00% → 3.50% → 2.85% → 3.50% → 3.25% |
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3.25% | $10,000 | 12 months |
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|
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Rate History: 4.00% → 3.75% → 3.51% → 3.00% → 3.25% |
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CIT Bank, a division of First-Citizens Bank and Trust |
3.25% | $1,000 | 13 months |
Learn More
|
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Rate History: 3.50% → 3.35% → 3.25% |
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3.20% | $500 | 17 months |
Learn More
|
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Early withdrawal penalty is 180 days interest. |
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Citibank, National Association |
3.00% | $0 | 5 months |
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|
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Rate History: 2.90% → 2.00% → 4.00% → 3.50% → 3.00% |
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U.S. Bank National Association |
3.00% | $1,000 | 13 months |
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|
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Rate History: 3.20% → 3.67% → 2.75% → 1.71% → 3.00% |
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Brighton Town Square Branch
|
3.00% | $10,000 | 23 months |
Learn More
|
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Rate History: 3.75% → 3.00% → 2.75% → 2.50% → 3.00% |
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Bank of America, National Association Woodward/Mack Branch |
2.95% | $10,000 | 10 months |
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|
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Rate History: 3.70% → 3.45% → 3.20% → 2.95% → 2.95% |
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2.90% | $0 | 11 months |
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|
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Rate History: 2.80% → 2.70% → 2.70% → 2.80% → 2.90% |
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|
Citibank, National Association |
2.75% | $0 | 6 months |
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|
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Rate History: 3.50% → 4.00% → 2.00% → 2.50% → 2.75% |
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Dollar Savings Direct, a division of Emigrant Bank |
2.75% | $1,000 | 16 months |
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|
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Rate History: 5.00% → 5.00% → 3.50% → 2.75% |
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2.75% | $500 | 23 months |
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|
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Early withdrawal penalty is 180 days interest. |
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PNC Bank, National Association Hayworth Pfa Branch |
2.60% | $1,000 | 61 months |
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|
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U.S. Bank National Association |
2.50% | $1,000 | 25 months |
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|
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Rate History: 3.75% → 3.10% → 2.85% → 3.00% → 2.50% |
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PNC Bank, National Association Hayworth Pfa Branch |
2.40% | $1,000 | 37 months |
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JPMorgan Chase Bank, National Association Beecher Heights Branch |
2.25% | $100,000 | 6 months |
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|
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Rate History: 1.50% → 1.01% → 0.75% → 0.50% → 2.25% |
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PNC Bank, National Association Hayworth Pfa Branch |
2.20% | $1,000 | 25 months |
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|
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PNC Bank, National Association Hayworth Pfa Branch |
2.10% | $1,000 | 19 months |
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|
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Citibank, National Association |
2.00% | $0 | 4 months |
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|
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Rate History: 3.75% → 2.25% → 3.00% → 2.00% |
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2.00% | $1,000 | 6 months |
Learn More
|
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Rate History: 4.55% → 3.45% → 2.50% → 2.25% → 2.00% |
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2.00% | $10,001 | 6 months |
Learn More
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Rate History: 2.75% → 3.51% → 3.45% → 3.51% → 2.00% |
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Bank of America, National Association Woodward/Mack Branch |
2.00% | $10,000 | 13 months |
Learn More
|
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Rate History: 2.75% → 2.50% → 2.25% → 2.00% → 2.00% |
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PNC Bank, National Association Hayworth Pfa Branch |
1.90% | $1,000 | 9 months |
Learn More
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Rate History: 0.05% → 1.90% |
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Bank of America, National Association Woodward/Mack Branch |
1.75% | $10,000 | 25 months |
Learn More
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The 12 Month Flexible CDs/IRAs will automatically renew into a 3 Month Flexible CD/IRA. |
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Hingham Institution for Savings |
1.70% | $1,000 | 13 months |
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Rate History: 1.85% → 1.70% |
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1.70% | $1,000 | 15 months |
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Hingham Institution for Savings |
0.50% | $1,000 | 2 months |
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Rate History: 1.00% → 0.50% |
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Citibank, National Association |
0.05% | $0 | 3 months |
Learn More
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Rate History: 3.00% → 2.25% → 2.25% → 2.00% → 0.05% |
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0.05% | $1,000 | 9 months |
Learn More
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Rate History: 0.05% → 0.05% → 0.05% |
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Last Update on November 9, 2026
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