Bank · FDIC insured
Chelsea State Bank Savings Rates
Chelsea State Bank’s best savings rate is 0.55% APY on $10,000, with its CSB Money Market Savings. Rates checked October 16, 2026.
How Chelsea State Bank’s savings rates compare
Compared with banks and credit unions near Ann Arbor, MI, where Chelsea State Bank has the most branches. $10,000, best rate first.
This bank’s best
Chelsea State Bank
0.55%APY
- Requires
- Another account
- Minimum
- $1
- Earns on $10,000 a year
- $55
CSB Combined Money Market Savings
Top rate
University Bank
4.08%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $408
2nd-highest rate
Flagstar Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Chelsea State Bank savings score
80
Savings score
Higher than 53% of U.S. banks and credit unions
- $1,000 balance$1,0000.40%
- $10,000 balance$10,0000.55%
- $100,000 balance$100,0000.55%
- QualifiedQualified0.55%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Chelsea State Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
CSB Combined Money Market Savings
0.55%APY
Available to customers with a Chelsea State Bank checking account. Monthly statement combined with checking account. Avoid $10 monthly fee by maintaining a $1,000 minimum daily balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $24,999Fee waived if $1,000 minimum daily balance is maintained; $2 per debit over 10 per month. | 0.55% | $55 | Fee waived if $1,000 minimum daily balance is maintained; $2 per debit over 10 per month. |
| $25,000 – $49,999Fee waived if $1,000 minimum daily balance is maintained; $2 per debit over 10 per month. | 0.80% | — | Fee waived if $1,000 minimum daily balance is maintained; $2 per debit over 10 per month. |
| $50,000 – $149,999Fee waived if $1,000 minimum daily balance is maintained; $2 per debit over 10 per month. | 1.06% | — | Fee waived if $1,000 minimum daily balance is maintained; $2 per debit over 10 per month. |
| $150,000 and upFee waived if $1,000 minimum daily balance is maintained; $2 per debit over 10 per month. | 1.56% | — | Fee waived if $1,000 minimum daily balance is maintained; $2 per debit over 10 per month. |
CSB Combined Statement Savings
0.55%APY
Must be linked to any Chelsea State Bank checking account. Monthly statement combined with checking account. No monthly service fee. $1 minimum deposit to open.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $99,999Tier 1 rate for balances from $1 to $99,999. Minimum balance to earn APY is $1.00. No monthly service fee. Monthly statement combined with checking account. | 0.55% | $55 | Tier 1 rate for balances from $1 to $99,999. Minimum balance to earn APY is $1.00. No monthly service fee. Monthly statement combined with checking account. |
| $100,000 and upTier 2 rate for balances of $100,000 and over. Minimum balance to earn APY is $100,000. No monthly service fee. Monthly statement combined with checking account. | 0.60% | — | Tier 2 rate for balances of $100,000 and over. Minimum balance to earn APY is $100,000. No monthly service fee. Monthly statement combined with checking account. |
Sources (3)
All captured Oct 5, 2026
CSB Money Market Savings
0.55%APY
Avoid $10 monthly service fee by maintaining a $1,000 minimum daily balance; $10 monthly fee when balance falls below $1,000 during the month. Combined monthly statement with checking account.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $2,499Fee waived if $1,000 minimum daily balance is maintained; $2 per debit over 10 per month. · $1 to open | 0.40% | $1 | — | Fee waived if $1,000 minimum daily balance is maintained; $2 per debit over 10 per month. |
| $2,500 and upFee waived if $1,000 minimum daily balance is maintained; $2 per debit over 10 per month. · $2,500 to open | 0.55% | $2,500 | $55 | Fee waived if $1,000 minimum daily balance is maintained; $2 per debit over 10 per month. |
Special-purpose accounts
CSB Regular Statement Savings
0.40%APY
Flexible, multi-purpose savings account. 10 pre-authorized, automatic, telephone, electronic, online, or other transfers or withdrawals per statement cycles ($2 fee applies for any debit over 10). Avoid the $2 monthly service fee by maintaining a $300 minimum daily balance (waived for seniors and minors upon request). $1 minimum deposit to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upAvoid the $2 monthly service fee by maintaining a $300 minimum daily balance (waived for senior citizens and minors). $2 per debit over 10 in a month. Minimum balance to earn APY is $1.00.$1 and up | 0.40% | $40 | Avoid the $2 monthly service fee by maintaining a $300 minimum daily balance (waived for senior citizens and minors). $2 per debit over 10 in a month. Minimum balance to earn APY is $1.00. |
Sources (3)
All captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.