Bank · FDIC insured
Oxford Bank Savings Rates
Oxford Bank’s best savings rate is 1.26% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Oxford Bank’s savings rates compare
Compared with banks and credit unions near Detroit, MI, where Oxford Bank has the most branches. $10,000, best rate first.
This bank’s best
Oxford Bank
1.26%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $126
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
Flagstar Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Oxford Bank savings score
87
Savings score
Higher than 76% of U.S. banks and credit unions
By balance
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0001.26%
- $100,000 balance$100,0001.51%
- QualifiedQualified1.26%
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 Oxford 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.
Money Market Account
Up to 1.26%APY
Avoid the $10 monthly service fee by maintaining a minimum daily balance of $2,000 or more.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $250,000Balance < $3,500,000 schedule. Monthly fee waived with $2,000 minimum daily balance. | 1.26% | $126 | Balance < $3,500,000 schedule. Monthly fee waived with $2,000 minimum daily balance. |
| Up to $50,000Balance < $100,000 schedule. Monthly fee waived with $2,000 minimum daily balance. | 1.05% | $105 | Balance < $100,000 schedule. Monthly fee waived with $2,000 minimum daily balance. |
| Up to $50,000Balance < $500,000 schedule. Monthly fee waived with $2,000 minimum daily balance. | 0.58% | $58 | Balance < $500,000 schedule. Monthly fee waived with $2,000 minimum daily balance. |
| $50,000 – $100,000Balance < $500,000 schedule. Monthly fee waived with $2,000 minimum daily balance. | 0.84% | — | Balance < $500,000 schedule. Monthly fee waived with $2,000 minimum daily balance. |
| $50,000 – $100,000Tier Low 1.04% Tier High 1.66% APY. Balance < $100,000 schedule. Monthly fee waived with $2,000 minimum daily balance. | 2.28% | — | Tier Low 1.04% Tier High 1.66% APY. Balance < $100,000 schedule. Monthly fee waived with $2,000 minimum daily balance. |
| $100,000 – $250,000Balance < $500,000 schedule. Monthly fee waived with $2,000 minimum daily balance. | 1.51% | — | Balance < $500,000 schedule. Monthly fee waived with $2,000 minimum daily balance. |
| $100,000 and upTier Low 1.66% Tier High 0.34% APY. Balance < $100,000 schedule. Monthly fee waived with $2,000 minimum daily balance. | 0.34% | — | Tier Low 1.66% Tier High 0.34% APY. Balance < $100,000 schedule. Monthly fee waived with $2,000 minimum daily balance. |
| $250,000 – $500,000Balance < $500,000 schedule. Monthly fee waived with $2,000 minimum daily balance. | 2.02% | — | Balance < $500,000 schedule. Monthly fee waived with $2,000 minimum daily balance. |
| $250,000 – $500,000Tier Low 1.26% Tier High 1.56% APY. Balance < $3,500,000 schedule. Monthly fee waived with $2,000 minimum daily balance. | 1.87% | — | Tier Low 1.26% Tier High 1.56% APY. Balance < $3,500,000 schedule. Monthly fee waived with $2,000 minimum daily balance. |
| $500,000 and upBalance < $500,000 schedule. Monthly fee waived with $2,000 minimum daily balance. | 2.48% | — | Balance < $500,000 schedule. Monthly fee waived with $2,000 minimum daily balance. |
| $500,000 – $3,500,000Tier Low 1.56% Tier High 3.45% APY. Balance < $3,500,000 schedule. Monthly fee waived with $2,000 minimum daily balance. | 3.77% | — | Tier Low 1.56% Tier High 3.45% APY. Balance < $3,500,000 schedule. Monthly fee waived with $2,000 minimum daily balance. |
| $3,500,000 and upTier Low 3.45% Tier High 0.33% APY. Balance < $3,500,000 schedule. Monthly fee waived with $2,000 minimum daily balance. | 0.32% | — | Tier Low 3.45% Tier High 0.33% APY. Balance < $3,500,000 schedule. Monthly fee waived with $2,000 minimum daily balance. |
Sources (3)
- oxfordbank.bank/bank/personal-savings
- oxfordbank.bank/bank/personal-…oney-market-account.html
- oxfordbank.bank/access/tools/rates.html
All captured Oct 16, 2026
Kasasa Saver
Up to 1.00%APY
Requires a linked free Kasasa Cash or Kasasa Cash Back checking account. Limit 1 account per Social Security Number / Individual Taxpayer Identification Number.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Applies to daily balances up to $50,000 when monthly qualification cycle requirements are met on linked Kasasa Cash or Kasasa Cash Back account (at least 12 debit card purchases post and settle, enroll in and log into online banking, enroll in and agree to receive eStatements). | 1.00% | $100 | Applies to daily balances up to $50,000 when monthly qualification cycle requirements are met on linked Kasasa Cash or Kasasa Cash Back account (at least 12 debit card purchases post and settle, enroll in and log into online banking, enroll in and agree to receive eStatements). |
| Any balanceBase rate applies to entire balance if qualifications on linked Kasasa checking account are not met. | 0.05% | $5 | Base rate applies to entire balance if qualifications on linked Kasasa checking account are not met. |
| $50,000 and upApplies to balances greater than $50,000 when monthly qualification cycle requirements are met on linked Kasasa checking account. | 0.35% | — | Applies to balances greater than $50,000 when monthly qualification cycle requirements are met on linked Kasasa checking account. |
Sources (3)
- oxfordbank.bank/bank/personal-savings
- oxfordbank.bank/bank/personal-…s/free-kasasa-saver.html
- oxfordbank.bank/access/tools/rates.html
All captured Sep 18, 2026
Regular Savings Account
0.25%APY
Avoid the $3 monthly service fee by maintaining a minimum daily balance of $300 or more.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $9,999Avoid the $3 monthly service fee with a minimum daily balance of $300 or more. | 0.20% | — | Avoid the $3 monthly service fee with a minimum daily balance of $300 or more. |
| $10,000 – $19,999Avoid the $3 monthly service fee with a minimum daily balance of $300 or more. | 0.25% | $25 | Avoid the $3 monthly service fee with a minimum daily balance of $300 or more. |
| $20,000 – $49,999Avoid the $3 monthly service fee with a minimum daily balance of $300 or more. | 0.28% | — | Avoid the $3 monthly service fee with a minimum daily balance of $300 or more. |
| $50,000 – $99,999Avoid the $3 monthly service fee with a minimum daily balance of $300 or more. | 0.30% | — | Avoid the $3 monthly service fee with a minimum daily balance of $300 or more. |
| $100,000 and upAvoid the $3 monthly service fee with a minimum daily balance of $300 or more. | 0.68% | — | Avoid the $3 monthly service fee with a minimum daily balance of $300 or more. |
Sources (3)
- oxfordbank.bank/bank/personal-savings
- oxfordbank.bank/bank/personal-…lar-savings-account.html
- oxfordbank.bank/access/tools/rates.html
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.