Bank · FDIC insured
Independent Bank Savings Rates
Independent Bank’s best savings rate is 0.07% APY on $10,000, with its Eagle Savings. Rates checked October 16, 2026.
How Independent Bank’s savings rates compare
Compared with banks and credit unions near Grand Rapids, MI, where Independent Bank has the most branches. $10,000, best rate first.
This bank’s best
Independent Bank
0.12%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $12
Relationship Money Market Account
Top rate
Ignite Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
First National Bank of America
4.20%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $420
Independent Bank savings score
63
Savings score
Higher than 8% of U.S. banks and credit unions
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0000.07%
- $100,000 balance$100,0000.30%
- QualifiedQualified0.12%
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 Independent 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.
Relationship Money Market Account
Up to 0.12%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $9,999With a Checking Relationship with Independent Bank | 0.06% | — | With a Checking Relationship with Independent Bank |
| Up to $9,999Without a Checking Relationship with Independent Bank | 0.01% | — | Without a Checking Relationship with Independent Bank |
| $10,000 – $24,999With a Checking Relationship with Independent Bank | 0.12% | $12 | With a Checking Relationship with Independent Bank |
| $10,000 – $24,999Without a Checking Relationship with Independent Bank | 0.07% | $7 | Without a Checking Relationship with Independent Bank |
| $25,000 – $49,999With a Checking Relationship with Independent Bank | 0.50% | — | With a Checking Relationship with Independent Bank |
| $25,000 – $49,999Without a Checking Relationship with Independent Bank | 0.45% | — | Without a Checking Relationship with Independent Bank |
| $50,000 – $99,999With a Checking Relationship with Independent Bank | 1.11% | — | With a Checking Relationship with Independent Bank |
| $50,000 – $99,999Without a Checking Relationship with Independent Bank | 1.06% | — | Without a Checking Relationship with Independent Bank |
| $100,000 – $249,999With a Checking Relationship with Independent Bank | 1.61% | — | With a Checking Relationship with Independent Bank |
| $100,000 – $249,999Without a Checking Relationship with Independent Bank | 1.56% | — | Without a Checking Relationship with Independent Bank |
| $250,000 and upWith a Checking Relationship with Independent Bank | 2.17% | — | With a Checking Relationship with Independent Bank |
| $250,000 and upWithout a Checking Relationship with Independent Bank | 2.12% | — | Without a Checking Relationship with Independent Bank |
Sources (2)
All captured Oct 16, 2026
Eagle Savings
0.07%APY
Maintain a $500 minimum daily balance, combined account statements, or eStatements to avoid a $12 quarterly service fee. Interest is calculated on a daily balance method and compounded/paid quarterly. Minimum balance to earn interest is $0.01.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $9,999 | 0.01% | — |
| $10,000 – $24,999 | 0.07% | $7 |
| $25,000 – $49,999 | 0.10% | — |
| $50,000 – $99,999 | 0.15% | — |
| $100,000 – $249,999 | 0.30% | — |
| $250,000 and up | 0.60% | — |
Sources (3)
- independentbank.com/current-rates
- independentbank.com/personal/accounts/savings
- independentbank.com/personal/a…ts/savings/eagle-savings
All captured Oct 5, 2026
Special-purpose accounts
Swift Savings Account
0.07%APY
Designed for kids 18 and under. No service fee if primary account holder is under 18/19; after turning 19, a $12 quarterly fee applies for balances under $500. Parent or guardian joint ownership required if under 18. Interest is calculated on a daily balance method and compounded/paid quarterly. Minimum balance to earn interest is $0.01.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $9,999 | 0.01% | — |
| $10,000 – $24,999 | 0.07% | $7 |
| $25,000 – $49,999 | 0.10% | — |
| $50,000 – $99,999 | 0.15% | — |
| $100,000 – $249,999 | 0.30% | — |
| $250,000 and up | 0.60% | — |
Sources (3)
- independentbank.com/current-rates
- independentbank.com/personal/accounts/savings
- independentbank.com/personal/a…ts/savings/swift-savings
All captured Oct 5, 2026
Health Savings Account
0.03%APY
Must be enrolled in a high-deductible health plan (HDHP). No minimum balance and no monthly service fees. Minimum balance to earn interest is $0.01.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $999 | 0.01% | — |
| $1,000 – $2,499 | 0.01% | — |
| $2,500 – $9,999 | 0.03% | — |
| $10,000 and up | 0.03% | $3 |
Sources (3)
- independentbank.com/current-rates
- independentbank.com/personal/accounts/savings
- independentbank.com/personal/accounts/savings/hsa
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.