Bank · FDIC insured
West Shore Bank Savings Rates
West Shore Bank’s best savings rate is 3.00% APY, with its Shoreline Companion Savings, with extra requirements. Rates checked October 16, 2026.
How West Shore Bank’s savings rates compare
Compared with banks and credit unions near Ludington, MI, where West Shore Bank has the most branches. $10,000, best rate first.
This bank’s best
West Shore Bank
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $300
Shoreline Companion Savings
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
Filer Credit Union
3.04%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $304
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Shoreline Companion Savings
Up to 3.00%APY
Must be linked to a Shoreline High Yield Checking or Shoreline Cash Back Checking account in the name of the same customer. Limit of 1 account per social security number.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Earned when Monthly Qualification Cycle requirements are met in linked Shoreline High Yield or Cash Back Checking (at least 12 debit card purchases, at least 1 ACH credit or payment transaction, and enrolled in eStatements). | 3.00% | $300 | Earned when Monthly Qualification Cycle requirements are met in linked Shoreline High Yield or Cash Back Checking (at least 12 debit card purchases, at least 1 ACH credit or payment transaction, and enrolled in eStatements). |
| Any balanceEarned on entire daily balance when Monthly Qualification Cycle requirements in linked checking account are not met. | 0.05% | $5 | Earned on entire daily balance when Monthly Qualification Cycle requirements in linked checking account are not met. |
| $100,000 and upEarned on portion of daily balance over $100,000 when Monthly Qualification Cycle requirements are met in linked checking account, resulting in an APY range from 3.00% to 1.75% depending on balance. | 0.50% | — | Earned on portion of daily balance over $100,000 when Monthly Qualification Cycle requirements are met in linked checking account, resulting in an APY range from 3.00% to 1.75% depending on balance. |
Sources (2)
- westshorebank.com/bank/persona…eline-companion-savings-
- westshorebank.com/bank/persona…ersonal-savings-accounts
All captured Sep 18, 2026
Opening an account
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