Compare Bank & Credit Union Rates
Best savings rates in Grand Rapids, MI
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 16–30 results in Grand Rapids, MI
- 0.35%APY$35 a year on $10,000
Requirements
Product: Up to six withdrawals per month. Rates on non-CD accounts may change after account is opened. All new accounts subject to Northpointe Bank approval.
0.00% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Ultimate Savings Balance APY Up to $100 0.00% $100 – $5,000 0.25% $5,000 – $25,000Your amount 0.35% $25,000 – $3,000,000 2.55% Over $3,000,000 0.30% Rate checked
More details - Northpointe BankUltimate Money MarketUltimate Money Market · $100 min · 0.00%–2.55% by balance
Bank · 1 branch
0.35%APY$35 a year on $10,000Requirements
Product: Up to six withdrawals per month. Checks and bill pay available. ATM / Debit card available.
0.00% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Ultimate Money Market Balance APY Up to $2,500 0.00% $2,500 – $5,000 0.25% $5,000 – $25,000Your amount 0.35% $25,000 – $3,000,000 2.55% Over $3,000,000 0.35% Rate checked
More details - West Michigan Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.10%–1.00% by balance
Credit union · 2 branches
0.30%APY$30 a year on $10,000Requirements
Product: Tiered rate account. Once a tier is met, the Interest Rate and APY for that tier apply to the full balance on your account. Dividends compounded and credited monthly. Minimum balance required to open is $2,500. Dividends calculated by average daily balance method.
Offer: Once tier is met, rate applies to the full balance.
0.10% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,499 0.10% $2,500 – $9,999 0.20% $10,000 – $24,999Your amount 0.30% $25,000 – $49,999 0.40% $50,000 – $149,999 0.50% $150,000 – $299,999 0.75% $300,000 and up 1.00% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Primary account establishing credit union membership ($5 minimum opening deposit). $5 monthly Non-Relationship Fee applies on accounts with only Member Savings; waived if account maintains a $300 daily average balance, primary member is under 24 years of age, receives direct deposit, has VIP Status, or holds other LMCU accounts (checking, loan, or CD).
Offer: Requires $100 minimum balance to earn interest. $5 monthly fee waived with $300 daily average balance, primary member under 24, direct deposit, VIP status, or other qualifying LMCU accounts.
0.25% interest rate · $5 monthly fee · Effective Jul 20, 2026
Rate checked
More details - First National Bank of MichiganFirst Growth Money MarketFirst Growth Money Market · $100 min · 0.15%–1.00% by balance
Bank · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: A minimum monthly balance of $10,000 is required to avoid fees.
Offer: APY is based on a $2,500 balance for 12 months. A minimum monthly balance of $10,000 is required to avoid fees.
0.15% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for First Growth Money Market Balance APY Up to $9,999 0.15% $10,000 – $49,999Your amount 0.25% $50,000 – $99,999 0.35% $100,000 – $249,999 0.50% $250,000 and up 1.00% Rate checked
More details - Credit Union ONEMoney Market AccountMoney Market Account · $1,000 min · 0.05%–0.55% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000intro rateRequirements
Product: A $1,000.00 minimum daily balance required to earn APY. Accounts that remain at a zero balance for 90 consecutive days will be automatically closed out (no fee for zero balance closure).
Offer: Rates are variable.
Promotional rate · 0.05% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 and up 0.05% $2,500 and up 0.10% $10,000 and upYour amount 0.25% $25,000 and up 0.35% $50,000 and up 0.50% $100,000 and up 0.55% Rate checked
More details - Michigan First Credit UnionSavings AccountSavings · $10 min · 0.15%–0.25% by balance
Credit union · 2 branches
0.20%APY$20 a year on $10,000Requirements
Product: Must be 18 or older to open an account (ages 13-17 can open with a parent or guardian). Minimum opening deposit of $10 required. An account aggregate balance of $100 required after the first 3 months of membership to avoid a monthly minimum balance fee.
0.15% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Savings Account Balance APY Up to $999 0.15% $1,000 – $4,999 0.15% $5,000 – $24,999Your amount 0.20% $25,000 and up 0.25% Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: New money only (money not currently held at any WTFC location) deposited at opening; mention offer during in-branch opening or visit URL provided. Available to existing or closed savings account customers of WTFC & its subsidiaries or employees. $200 daily balance to avoid $5 monthly maintenance fee. Variable rate.
Offer: Statement Savings Advanced Special with qualifying activities. Deposit new money at opening; minimum daily balance of $0.01 required to obtain APY. $200 daily balance to avoid $5 monthly maintenance fee.
$5 monthly fee · Effective Feb 11, 2026
Rate checked
More details - Consumers Credit UnionMoney MarketMoney Market · $2,500 min · 0.10%–0.35% by balance
Credit union · 1 branch
0.15%APY$15 a year on $10,000Requirements
Product: Dividends credited monthly. Maintain a $2,500 average daily balance to earn dividends. No monthly service fees. Rates are variable and subject to change at any time without notice. Fees may reduce earnings.
Offer: Rates are variable and subject to change at any time without notice. Fees may reduce earnings. Maintain a $2,500 average daily balance to earn dividends.
0.10% interest rate · No monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $9,999 0.10% $10,000 – $24,999Your amount 0.15% $25,000 – $49,999 0.20% $50,000 – $99,999 0.25% $100,000 – $249,999 0.30% $250,000 and up 0.35% Rate checked
More details - Independent BankRelationship Money Market AccountRelationship Money Market Account · $0 min · 0.06%–2.17% by balance
Bank · 2 branches
0.12%APY$12 a year on $10,000with conditionsRequirements
Offer: With a Checking Relationship with Independent Bank
Qualified rate · 0.06% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Relationship Money Market Account Balance APY Up to $9,999 0.06% $10,000 – $24,999Your amount 0.12% $25,000 – $49,999 0.50% $50,000 – $99,999 1.11% $100,000 – $249,999 1.61% $250,000 and up 2.17% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Personal accounts only. Initial minimum opening deposit to earn higher rate is $25,000. Account must be funded within 90 days of approval date. Early closure fee may apply if closed within 180 days. $15 monthly service charge waived with at least a $10,000 average daily collected balance or with a Flagstar personal checking relationship.
Offer: Tier 1 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or if owner of a Flagstar personal checking account with balance of at least $0.01.
$15 monthly fee
Rate by balance
Rate by balance for Flagstar Performance Savings Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amountTier 2 balance rate. 0.10% $25,000 – $50,000Tier 3 balance rate. 3.20% $50,000 – $100,000Tier 4 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. 3.20% $100,000 – $500,000Tier 5 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. 3.20% $500,000 and upTier 6 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. 3.20% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Earn interest on accounts over $50. No monthly fees when you select eStatements. Membership qualification applies ($5 donation to Special Olympics Michigan or live/work in eligible MI/IN areas).
Offer: $25 minimum opening deposit. Interest earned on accounts over $50. No monthly fees with eStatements.
0.10% interest rate · Effective Oct 5, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: A $5 deposit into a Basic Savings is required for AAC Credit Union membership. If choosing only a Savings Account relationship, a $100 minimum balance applies to avoid a $5.00/month fee (waived with active checking, loan, or Visa Platinum; members 23 & under exempt). Max 6 withdrawals per month.
$5 monthly fee · Effective Oct 15, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: No monthly service charge. Minimum $5.00 deposit required. Interest paid to accounts with a monthly balance of $100 or more (minimum balance not applicable for minors under 18). Dividends calculated daily, compounded, and credited monthly.
Offer: Interest paid to accounts with a monthly balance of $100 or more. Minimum balance not applicable for minors under 18 years of age.
0.10% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Dividends computed on the average daily balance, compounded and credited monthly.
Offer: Minimum opening deposit of $10.00; minimum balance to earn dividends is $5.00.
Effective Oct 5, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What savings accounts pay in Grand Rapids, MI
58 accounts at 20 banks and credit unions · checked Oct 6–22
- Typical
- 0.10%
- Top 10% from
- 2.53%
- Banks, typical
- 0.07%
- Credit unions, typical
- 0.18%
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Grand Rapids, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Meijer Credit UnionCredit union · 3 branches
- North Central Area Credit UnionCredit union · 1 branch
- KCCUCredit union · 1 branch