Bank · FDIC insured
State Savings Bank Savings Rates
State Savings Bank’s best savings rate is 0.05% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How State Savings Bank’s savings rates compare
Compared with banks and credit unions near Traverse City, MI, where State Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
State Savings Bank
0.05%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $5
Money Market Account
Top rate
First National Bank of America
4.20%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $420
2nd-highest rate
Credit Union ONE
3.30%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $330
State Savings Bank savings score
62
Savings score
Higher than 6% of U.S. banks and credit unions
- $1,000 balance$1,0000.03%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.15%
- 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 State Savings 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
0.05%APY
Open with $2,500. No monthly service charge on accounts with a daily minimum balance of $2,500.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000No monthly service charge on accounts with a daily minimum balance of $2,500. | 0.03% | — | No monthly service charge on accounts with a daily minimum balance of $2,500. |
| $10,000 – $25,000No monthly service charge on accounts with a daily minimum balance of $2,500. | 0.05% | $5 | No monthly service charge on accounts with a daily minimum balance of $2,500. |
| $25,000 – $50,000No monthly service charge on accounts with a daily minimum balance of $2,500. | 0.05% | — | No monthly service charge on accounts with a daily minimum balance of $2,500. |
| $50,000 – $100,000No monthly service charge on accounts with a daily minimum balance of $2,500. | 0.10% | — | No monthly service charge on accounts with a daily minimum balance of $2,500. |
| $100,000 – $1,000,000No monthly service charge on accounts with a daily minimum balance of $2,500. | 0.15% | — | No monthly service charge on accounts with a daily minimum balance of $2,500. |
| $1,000,000 and upNo monthly service charge on accounts with a daily minimum balance of $2,500. | 0.25% | — | No monthly service charge on accounts with a daily minimum balance of $2,500. |
Sources (3)
- ssbankmi.com/personal
- ssbankmi.com/personal/deposit-product-rates.html
- ssbankmi.com/personal/money-market.html
All captured Sep 18, 2026
Premier Savings
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000No monthly service charge with daily minimum balance of $1,000. Interest accrues daily and paid monthly. | 0.03% | — | No monthly service charge with daily minimum balance of $1,000. Interest accrues daily and paid monthly. |
| $10,000 – $25,000No monthly service charge with daily minimum balance of $1,000. Interest accrues daily and paid monthly. | 0.05% | $5 | No monthly service charge with daily minimum balance of $1,000. Interest accrues daily and paid monthly. |
| $25,000 – $50,000No monthly service charge with daily minimum balance of $1,000. Interest accrues daily and paid monthly. | 0.05% | — | No monthly service charge with daily minimum balance of $1,000. Interest accrues daily and paid monthly. |
| $50,000 – $100,000No monthly service charge with daily minimum balance of $1,000. Interest accrues daily and paid monthly. | 0.10% | — | No monthly service charge with daily minimum balance of $1,000. Interest accrues daily and paid monthly. |
| $100,000 and upNo monthly service charge with daily minimum balance of $1,000. Interest accrues daily and paid monthly. | 0.15% | — | No monthly service charge with daily minimum balance of $1,000. Interest accrues daily and paid monthly. |
Sources (3)
- ssbankmi.com/personal
- ssbankmi.com/personal/deposit-product-rates.html
- ssbankmi.com/personal/savings.html
All captured Sep 18, 2026
Statement Savings
0.03%APY
No monthly service charge with $300 daily minimum balance. Free quarterly e-statement. Interest accrues daily and is paid monthly. Free ATM withdrawals at State Savings Bank ATMs, up to 5 fee-free non-network ATM withdrawals per statement cycle, plus refund up to $20 in terminal surcharges. Free debit card if linked to checking.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.03% | $3 |
Sources (3)
- ssbankmi.com/personal
- ssbankmi.com/personal/deposit-product-rates.html
- ssbankmi.com/personal/savings.html
All captured Sep 18, 2026
Special-purpose accounts
Christmas Club
0.03%APY
No minimum balance. No monthly service fee. Interest accrues daily and is paid annually.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.03% | $3 |
Sources (3)
- ssbankmi.com/personal
- ssbankmi.com/personal/deposit-product-rates.html
- ssbankmi.com/personal/savings.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.