Bank · FDIC insured
Eastern Michigan Bank Savings Rates
Eastern Michigan Bank’s best savings rate is 0.05% APY on $10,000, with its Prestige Money Market. Rates checked October 16, 2026.
How Eastern Michigan Bank’s savings rates compare
Compared with banks and credit unions near Detroit, MI, where Eastern Michigan Bank has the most branches. $10,000, best rate first.
This bank’s best
Eastern Michigan Bank
0.05%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $5
Prestige Money Market
Top rate
Ignite Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
Flagstar Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Eastern Michigan Bank savings score
62
Savings score
Higher than 6% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.05%
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 Eastern Michigan 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.
Prestige Money Market
Up to 0.05%APY
Rates are subject to change without notice. Minimum balance required to earn posted rate. Fees could reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceBelow $10,000 balance tier. | 0.03% | $3 | Below $10,000 balance tier. |
| $10,000 – $24,999$10,000 - $24,999 balance tier. | 0.05% | $5 | $10,000 - $24,999 balance tier. |
| $25,000 – $49,999$25,000 - $49,999 balance tier. | 0.05% | — | $25,000 - $49,999 balance tier. |
| $50,000 – $99,999$50,000 - $99,999 balance tier. | 0.10% | — | $50,000 - $99,999 balance tier. |
| $100,000 and up$100,000 and up balance tier. | 0.20% | — | $100,000 and up balance tier. |
Sources (1)
- emb.bank/personal/checking-and-savings-rates · captured Oct 5, 2026
Statement Savings
0.05%APY
$100 average daily balance to avoid $7 quarterly service fee. Minimum balance of $100 required to earn posted rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100 average daily balance required to avoid $7 quarterly service fee. Minimum balance of $100 required to earn posted rate.$100 and up | 0.05% | $5 | $100 average daily balance required to avoid $7 quarterly service fee. Minimum balance of $100 required to earn posted rate. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
365 Club Account
0.05%APY
Funds distributed each year in November. No minimum balance requirements or monthly service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance requirements or monthly service fee. Funds distributed each year in November.Any balance | 0.05% | $5 | No minimum balance requirements or monthly service fee. Funds distributed each year in November. |
Sources (2)
All captured Sep 18, 2026
Sunny Savers Youth Account
0.05%APY
For youth ages 0-15. No minimum balance requirement or monthly service fee. Automatically converts to Statement Savings / Basic Savings account when child turns 16.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAges 0-15. No minimum balance requirement or monthly service fee. Automatically converts to Statement Savings / Basic Savings account at age 16.Any balance | 0.05% | $5 | Ages 0-15. No minimum balance requirement or monthly service fee. Automatically converts to Statement Savings / Basic Savings account at age 16. |
Sources (3)
- emb.bank/personal/youth-and-young-adults
- emb.bank/personal/checking-and-savings-rates
- emb.bank/personal/savings
All captured Sep 18, 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.