Bank · FDIC insured
Thumb Bank & Trust Savings Rates
Thumb Bank & Trust’s best savings rate is 0.07% APY on $10,000, with its Tiered Money Market Account. Rates checked October 16, 2026.
How Thumb Bank & Trust’s savings rates compare
Compared with banks and credit unions near Saginaw, MI, where Thumb Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
Thumb Bank & Trust
0.07%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $7
Tiered 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
Thumb Bank & Trust savings score
63
Savings score
Higher than 8% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.07%
- $100,000 balance$100,0001.00%
- QualifiedQualified0.07%
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 Thumb 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.
Tiered Money Market Account
0.07%APY
$5,000 minimum balance to avoid $10 monthly service fee. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000$5,000 minimum balance to avoid $10 monthly service fee. Fees may reduce earnings. | 0.05% | — | $5,000 minimum balance to avoid $10 monthly service fee. Fees may reduce earnings. |
| $5,000 – $25,000$5,000 minimum balance to avoid $10 monthly service fee. Fees may reduce earnings. | 0.07% | $7 | $5,000 minimum balance to avoid $10 monthly service fee. Fees may reduce earnings. |
| $25,000 – $50,000$5,000 minimum balance to avoid $10 monthly service fee. Fees may reduce earnings. | 0.12% | — | $5,000 minimum balance to avoid $10 monthly service fee. Fees may reduce earnings. |
| $50,000 – $75,000$5,000 minimum balance to avoid $10 monthly service fee. Fees may reduce earnings. | 0.30% | — | $5,000 minimum balance to avoid $10 monthly service fee. Fees may reduce earnings. |
| Over $75,000$5,000 minimum balance to avoid $10 monthly service fee. Fees may reduce earnings. | 1.00% | — | $5,000 minimum balance to avoid $10 monthly service fee. Fees may reduce earnings. |
Sources (2)
All captured Sep 24, 2026
Personal Savings Account
0.05%APY
$100 minimum balance or $25 monthly automatic transfer to avoid $5 service fee. Interest paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$100 minimum balance or $25 monthly automatic transfer to avoid $5 service fee. Fees may reduce earnings.Any balance | 0.05% | $5 | $100 minimum balance or $25 monthly automatic transfer to avoid $5 service fee. Fees may reduce earnings. |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Christmas/Vacation Club Savings Account
0.05%APY
$10 opening deposit. Disburses directly into Thumb Bank & Trust account. Vacation Club disbursement date must be at least six months after opening date; Christmas Club disburses in October of each year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDisburses directly into Thumb Bank & Trust account. Vacation Club disbursement date must be at least six months after opening date; Christmas Club disburses in October of each year. Fees may reduce earnings.Any balance | 0.05% | $5 | Disburses directly into Thumb Bank & Trust account. Vacation Club disbursement date must be at least six months after opening date; Christmas Club disburses in October of each year. Fees may reduce earnings. |
Sources (2)
All captured Oct 16, 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.