Bank · FDIC insured
United Bank of Michigan Savings Rates
United Bank of Michigan’s best savings rate is 0.75% APY on $10,000, with its Money Market Savings. Rates checked October 16, 2026.
How United Bank of Michigan’s savings rates compare
Compared with banks and credit unions near Grand Rapids, MI, where United Bank of Michigan has the most branches. $10,000, best rate first.
This bank’s best
United Bank of Michigan
0.75%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $75
Money Market Savings
Top rate
Ignite Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
First National Bank of America
4.20%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $420
United Bank of Michigan savings score
81
Savings score
Higher than 56% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0001.50%
- QualifiedQualified0.75%
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 United Bank of Michigan 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 Savings
0.75%APY
Avoid $15 monthly service charge when you maintain a minimum balance of $5,000. Unlimited withdrawals and transfers (does not offer check writing or debit card).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Avoid $15 monthly service charge when maintaining a minimum balance of $5,000. | 0.75% | $75 | Avoid $15 monthly service charge when maintaining a minimum balance of $5,000. |
| $50,000 – $250,000Avoid $15 monthly service charge when maintaining a minimum balance of $5,000. | 1.50% | — | Avoid $15 monthly service charge when maintaining a minimum balance of $5,000. |
| $250,000 – $500,000Avoid $15 monthly service charge when maintaining a minimum balance of $5,000. | 2.00% | — | Avoid $15 monthly service charge when maintaining a minimum balance of $5,000. |
| $500,000 and upAvoid $15 monthly service charge when maintaining a minimum balance of $5,000. | 2.50% | — | Avoid $15 monthly service charge when maintaining a minimum balance of $5,000. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Savings Club
0.10%APY
Choice of a Spring or Fall maturity date. Interest paid annually based on chosen maturity date. Early withdrawals forfeit all interest earned.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarns 0.10% APY. $5 minimum opening deposit. Choice of Spring or Fall maturity date with annual interest payout. Early withdrawals forfeit all interest earned.Any balance | 0.10% | $10 | Earns 0.10% APY. $5 minimum opening deposit. Choice of Spring or Fall maturity date with annual interest payout. Early withdrawals forfeit all interest earned. |
Sources (2)
All captured Sep 18, 2026
Everyday Savings
0.05%APY
Minimum opening deposit of $100 for adults, $50 for minors. Avoid $3 monthly service charge when maintaining a minimum balance of $200 for adults or $50 for minors.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarns 0.05% APY interest on all balances. $100 minimum opening deposit for adults ($50 for minors). $3 monthly service charge is avoided with a $200 minimum balance for adults ($50 for minors).Any balance | 0.05% | $5 | Earns 0.05% APY interest on all balances. $100 minimum opening deposit for adults ($50 for minors). $3 monthly service charge is avoided with a $200 minimum balance for adults ($50 for minors). |
Sources (2)
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.