Bank · FDIC insured
Sturgis Bank & Trust Savings Rates
Sturgis Bank & Trust’s best savings rate is 2.00% APY, with its Thrive Savings, with extra requirements. Rates checked October 16, 2026.
How Sturgis Bank & Trust’s savings rates compare
Compared with banks and credit unions near Sturgis, MI, where Sturgis Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
Sturgis Bank & Trust
2.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $200
Thrive Savings
Top rate
Flagstar Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Horizon Bank
3.75%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $375
Sturgis Bank & Trust savings score
70
Savings score
Higher than 27% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified2.00%
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 Sturgis Bank & Trust 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.
Thrive Savings
Up to 2.00%APY
Must have a linked Thrive Rewards Checking or Thrive Cash Back Checking account. Limit of 1 account per primary Social Security Number.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Applies to daily balances up to and including $100,000 when qualifications in the linked Thrive Rewards Checking or Thrive Cash Back Checking account are met during the Monthly Qualification Cycle (at least 15 debit card transactions of at least $3.00 each, at least 1 direct deposit or ACH transaction, and enrollment in e-statements). | 2.00% | $200 | Applies to daily balances up to and including $100,000 when qualifications in the linked Thrive Rewards Checking or Thrive Cash Back Checking account are met during the Monthly Qualification Cycle (at least 15 debit card transactions of at least $3.00 each, at least 1 direct deposit or ACH transaction, and enrollment in e-statements). |
| Any balanceBase rate earned on the entire daily balance when qualifications in the linked Thrive Rewards Checking or Thrive Cash Back Checking account are not met during the Monthly Qualification Cycle. | 0.05% | $5 | Base rate earned on the entire daily balance when qualifications in the linked Thrive Rewards Checking or Thrive Cash Back Checking account are not met during the Monthly Qualification Cycle. |
| $100,000 and upEarns an interest rate of 0.49886% on the portion of daily balance over $100,000, resulting in a blended range from 2.00% to 1.25% APY depending on the account balance, when qualifications in the linked checking account are met during the Monthly Qualification Cycle. | 0.50% | — | Earns an interest rate of 0.49886% on the portion of daily balance over $100,000, resulting in a blended range from 2.00% to 1.25% APY depending on the account balance, when qualifications in the linked checking account are met during the Monthly Qualification Cycle. |
Sources (3)
- sturgis.bank/personal/savings-money-market
- sturgis.bank/personal/checking/thrive
- sturgis.bank/personal/checking/thrive/thrive-savings
All captured Sep 18, 2026
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