Bank · FDIC insured
Isabella Bank Savings Rates
Isabella Bank’s best savings rate is 0.45% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Isabella Bank’s savings rates compare
Compared with banks and credit unions near Mount Pleasant, MI, where Isabella Bank has the most branches. $10,000, best rate first.
This bank’s best
Isabella Bank
0.45%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $45
Money Market Account
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
Members First Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
Isabella Bank savings score
77
Savings score
Higher than 43% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.45%
- $100,000 balance$100,0001.35%
- QualifiedQualified0.45%
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 Isabella 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.
Premium Money Market
0.00%APY
Rates are variable, set at the discretion of the bank, and may change at any time after the account is opened. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $25,000 | 0.00% | $0 |
| $25,000 – $50,000 | 0.75% | — |
| $50,000 – $100,000 | 0.90% | — |
| $100,000 – $200,000 | 1.35% | — |
| $200,000 – $500,000 | 1.74% | — |
| $500,000 – $1,000,000 | 2.24% | — |
| $1,000,000 and up | 2.29% | — |
Sources (1)
- isabellabank.com/rates · captured Oct 5, 2026
Money Market Account
Up to 0.45%APY
Tiered interest rates with direct check writing, free digital banking, and mobile banking. Rates are variable, set at the discretion of the bank, and may change at any time after the account is opened. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $2,500 | 0.10% | — |
| $2,500 – $10,000 | 0.25% | $25 |
| $10,000 – $25,000 | 0.45% | $45 |
| $25,000 – $50,000 | 0.60% | — |
| $50,000 – $100,000 | 0.90% | — |
| $100,000 – $200,000 | 1.30% | — |
| $200,000 and up | 1.65% | — |
Sources (3)
- isabellabank.com/personal/bank/savings
- isabellabank.com/personal/bank/savings/local-savings
- isabellabank.com/rates
All captured Oct 5, 2026
Local Savings Account
0.05%APY
Avoid $9 quarterly service fee by maintaining a $200 minimum average balance. Unlimited withdrawals with no fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest rates are variable, set at the discretion of the bank, and may change at any time after the account is opened. Avoid $9 quarterly service fee by maintaining a $200 minimum average balance.Any balance | 0.05% | $5 | Interest rates are variable, set at the discretion of the bank, and may change at any time after the account is opened. Avoid $9 quarterly service fee by maintaining a $200 minimum average balance. |
Sources (3)
- isabellabank.com/personal/bank/savings
- isabellabank.com/personal/bank/savings/local-savings
- isabellabank.com/rates
All captured Oct 5, 2026
Special-purpose accounts
Health Savings Account (HSA)
0.10%APY
Balance-based rate tiers.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| Up to $5,000$1 to open | 0.05% | $1 | — |
| $5,000 and upUnknown to open | 0.10% | Unknown | $10 |
Holiday (Christmas) Club Account
0.05%APY
Make deposits anytime and no minimum balance requirements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMake deposits anytime and no minimum balance requirements. Interest rates are variable.Any balance | 0.05% | $5 | Make deposits anytime and no minimum balance requirements. Interest rates are variable. |
Kids Club Savings Account
0.05%APY
Available to kids and teens through age 17. No monthly service fee and no minimum balance requirements. Receive up to $10 per year with a Kids Club Annual Credit.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAvailable to kids and teens through age 17. Competitive interest on entire balance. Receive up to $10 per year with a Kids Club Annual Credit.Any balance | 0.05% | $5 | Available to kids and teens through age 17. Competitive interest on entire balance. Receive up to $10 per year with a Kids Club Annual Credit. |
Sources (3)
- isabellabank.com/personal/bank/savings
- isabellabank.com/personal/bank/savings/kids-club-savings
- isabellabank.com/rates
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.