Bank · FDIC insured
University Bank Savings Rates
University Bank’s best savings rate is 4.08% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How University Bank’s savings rates compare
Compared with banks and credit unions in Michigan, where University Bank has the most branches. $10,000, best rate first.
This bank’s best
University Bank
4.08%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $408
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
First National Bank of America
4.20%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $420
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Money Market Account
4.08%APY
Minimum deposit of $2,500 required to open. A service fee of $6.00 will be imposed each statement cycle if the average daily balance falls below $2,500 for the statement cycle. Variable interest compounded daily and credited monthly. When balance falls into a specific rate tier, entire balance earns applicable rate in effect for that tier.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Applies to balances under $5,000. Monthly fee of $6 waived if average daily balance is at least $2,500. | 3.56% | — | Applies to balances under $5,000. Monthly fee of $6 waived if average daily balance is at least $2,500. |
| $5,000 and upApplies to balances of $5,000 and greater. Monthly fee of $6 waived if average daily balance is at least $2,500. | 4.08% | $408 | Applies to balances of $5,000 and greater. Monthly fee of $6 waived if average daily balance is at least $2,500. |
Sources (3)
- university-bank.com/money-market-accounts-more-info
- university-bank.com/personal-checking-accounts
- university-bank.com/personal-savings-accounts
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.