Compare Bank & Credit Union Rates
Best savings rates in Traverse City, MI
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Traverse City, MI
- First National Bank of AmericaHigh Yield Savings PromotionSavings · $1,000 min · 3.86%–4.20% by balance
Bank · 1 branch
4.20%APY$420 a year on $10,000intro rateRequirements
Product: Promotional rate available to new accounts only for the first 6 months from date of account opening on new money (funds deposited from external source not held at FNBA within the last 30 days). Tiered variable-rate account. After promotion period ends, Platinum HYSA rates apply. Entire balance earns the applicable tier rate.
Offer: Promotional rate applies to all balances for the first 6 months when bringing new money to FNBA.
Promotional rate · 4.12% interest rate · Effective Oct 9, 2026
Rate by balance
Rate by balance for High Yield Savings Promotion Balance APY Any balanceYour amount 4.20% Over $250,000 3.86% Rate checked
More details - 3.60%APY$360 a year on $10,000intro rate
Requirements
Product: Promotional rate available to new accounts only for the first 6 months from date of account opening on new money (funds deposited from external source not held at FNBA within the last 30 days). Tiered variable-rate account. After promotion period ends, Platinum HYSA rates apply. Entire balance earns the applicable tier rate.
Offer: Promotional rate tier for balances $250,000 or Less. Entire balance earns the applicable tier rate.
Promotional rate · 3.54% interest rate · Balance cap $250,000 · Effective Oct 9, 2026
Rate checked
More details - 3.30%APY$330 a year on $10,000intro rate
Requirements
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: Promotional rate on new money only (funds not currently held on deposit at Credit Union ONE; transfers from existing Credit Union ONE accounts do not qualify). Applied for the first seven months after account opening, after which rate adjusts to current applicable variable APY.
Promotional rate · 3.25% interest rate · Balance cap $250,000 · Effective Sep 1, 2026
Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.06%–3.25% by balance
Bank · 4 branches
3.25%APY$325 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Promotional Rate with open Private Client Account; requires new money to Huntington. Rate applies to ZIP code 43215.
Qualified rate · 0.06% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Huntington Relationship Savings Balance APY Up to $5,000 0.06% $5,000 – $2,000,001Your amountPromotional Rate with open Huntington Perks Checking account; 3.25% $2,000,001 – $100,000,000,000Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.06% Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.02%–3.15% by balance
Bank · 4 branches
3.15%APY$315 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Promotional Rate with open Huntington Perks Checking account; requires new money to Huntington. Rate applies to ZIP code 43215.
Qualified rate · 0.02% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Huntington Relationship Savings Balance APY Up to $5,000 0.02% $5,000 – $2,000,001Your amountNon-Relationship Promotional Rate; 3.15% $2,000,001 – $100,000,000,000Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.02% Rate checked
More details - First National Bank of AmericaPlatinum High Yield SavingsSavings · $1,000 min · 3.00%–3.51% by balance
Bank · 1 branch
3.00%APY$300 a year on $10,000Requirements
Product: Tiered, variable-rate savings account available to new FNBA customers with a minimum opening deposit of $1,000. Existing FNBA customers can convert their standard HYSA to Platinum HYSA by depositing a one-time lump sum of $20,000 of new money by December 31, 2026. Entire balance earns tier rate. $10 monthly service fee assessed if a minimum balance of $1,000 is not maintained.
Offer: Rate for account balances up to $250,000. Entire balance earns tier rate. $10 monthly service fee if balance falls below $1,000.
$10 monthly fee · Effective Oct 9, 2026
Rate by balance
Rate by balance for Platinum High Yield Savings Balance APY Up to $250,000Your amount 3.00% Over $250,000 3.51% Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: 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.
Offer: 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).
Qualified rate · No monthly fee · Effective Feb 24, 2026
Rate by balance
Rate by balance for Shoreline Companion Savings Balance APY Up to $100,000Your amount 3.00% $100,000 and up 0.50% Rate checked
More details - First National Bank of AmericaStandard High Yield SavingsSavings · $1,000 min · 2.50%–3.51% by balance
Bank · 1 branch
2.50%APY$250 a year on $10,000Requirements
Product: Tiered, variable-rate account with a minimum opening deposit of $1,000. The APY for the applicable tier applies to the entire account balance. $10 monthly service fee assessed if a minimum balance of $1,000 is not maintained.
Offer: Balances up to $50,000 earn 2.50% APY. The APY for the applicable tier applies to the entire account balance. $10 monthly service fee assessed if minimum balance of $1,000 is not maintained.
$10 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Standard High Yield Savings Balance APY Up to $50,000Your amount 2.50% $50,000 – $250,000Entire balance earns tier rate. $10 monthly service fee if minimum balance of $1,000 is not maintained. 3.00% Over $250,000$10 monthly service fee if minimum balance of $1,000 is not maintained. 3.51% Rate checked
More details - Honor BankBayfront Money MarketBayfront Money Market · $5,000 min · 0.30%–3.30% by balance
Bank · 2 branches
2.40%APY$240 a year on $10,000intro rateRequirements
Product: $5,000 minimum to open – business or personal new money. $25.00 monthly maintenance fee if balance falls below $5,000 at any point during statement period. Free eStatements, eNotices, Online Banking & Bill Pay and Mobile Banking. $4 monthly paper statement fee waived with enrollment in e-Statements. Limits certain types of withdrawals/transfers to 6 per cycle; $10 fee for each item over first 6 transactions.
Offer: Funded with new money. $25 monthly maintenance fee if balance falls below $5,000 during statement period.
Promotional rate · $25 monthly fee · Effective Dec 12, 2025
Rate by balance
Rate by balance for Bayfront Money Market Balance APY Up to $10,000 0.30% $10,000 – $100,000Your amount 2.40% $100,000 – $250,000 2.80% $250,000 – $1,000,000 3.05% $1,000,000 and up 3.30% Rate checked
More details - Lake Michigan Credit UnionMax SavingsSavings · $0 min · 0.00%–3.90% by balance
Credit union · 1 branch
1.75%APY$175 a year on $10,000Requirements
Product: Tiered interest rate computed daily and paid quarterly on balances of $100 or more. No minimum balance or deposit required, no monthly fees, and no withdrawal penalties.
0.00% interest rate · No monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Max Savings Balance APY Up to $100 0.00% $100 – $100,000Your amount 1.75% $100,000 – $250,000 2.90% $250,000 – $500,000 3.15% $500,000 – $1,000,000 3.15% $1,000,000 and up 3.90% Rate checked
More details - Nicolet National BankMVP Money Market Account (MVP MMA)MVP Money Market Account (MVP MMA) · $10,000 min · 0.01%–2.65% by balance
Bank · 1 branch
1.30%APY$130 a year on $10,000with conditionsRequirements
Product: A separate Nicolet National Bank checking account with direct deposit of payroll or social security is required in order to qualify for an MVP Money Market account. Subject to Credit Approval.
Offer: $10 monthly service charge if available balance falls below $10,000.
Qualified rate · 0.01% interest rate · $10 monthly fee · Effective Sep 23, 2026
Rate by balance
Rate by balance for MVP Money Market Account (MVP MMA) Balance APY Up to $9,999 0.01% $10,000 – $49,999Your amount 1.30% $50,000 – $149,999 2.10% $150,000 – $499,999 2.15% $500,000 – $999,999 2.45% $1,000,000 and up 2.65% Rate checked
More details - 1.25%APY$125 a year on $10,000intro rate
Requirements
Product: Higher dividend paid monthly; additional deposits allowed at any time.
Offer: Valid through 10/11/2026.
Promotional rate
Rate by balance
Rate by balance for IMMA Balance APY $2,000 and up 1.25% $10,000 and upYour amount 1.25% $25,000 and up 1.40% $50,000 and up 1.50% $100,000 and up 2.15% $500,000 and up 2.65% $1,000,000 and up 3.50% $2,000,000 and up 3.50% $5,000,000 and up 3.50% Rate checked
More details - MSU Federal Credit UnionMoney Market CheckingMoney Market Checking · $2,000 min · 1.25%–1.85% by balance
Credit union · 1 branch
1.25%APY$125 a year on $10,000intro rateRequirements
Product: Dividends are calculated daily and paid monthly on balances of $2,000 or more. A monthly fee of $5.00 applies if the balance falls below $2,000. No debit card required and paper statements are optional. Membership in MSUFCU requires opening a Spartan Saver account with a $5 opening deposit.
Offer: Tier 1 rate. $5 monthly fee applies if balance falls below $2,000. Valid thru 10/11/2026.
Promotional rate · $5 monthly fee
Rate by balance
Rate by balance for Money Market Checking Balance APY $2,000 and up 1.25% $10,000 and upYour amountTier 2 rate. 1.25% $50,000 and upTier 3 rate. 1.50% $100,000 and upTier 4 rate. 1.85% Rate checked
More details - Lake Michigan Credit UnionMax Money MarketMax Money Market · $0 min · 1.00%–3.90% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: A member savings account with a $5 minimum balance is required to establish and maintain membership. No minimum deposit and no monthly fees. Includes check-writing access. Interest is accrued daily and paid monthly. Variable rates subject to change after account opening.
1.00% interest rate · No monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Max Money Market Balance APY Up to $2,500 1.00% $2,500 – $10,000 1.00% $10,000 – $25,000Your amount 1.00% $25,000 – $50,000 2.00% $50,000 – $100,000 2.00% $100,000 – $250,000 2.90% $250,000 – $1,000,000 3.15% $1,000,000 and up 3.90% Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: Deposits can be made by payroll deductions or automatic transfer with the exception of initial deposit. Withdrawals can only be made during the months of May, June, July, and August. Funds will be transferred automatically to your MSUFCU checking or savings account.
Offer: Withdrawals restricted to May, June, July, and August.
Effective Aug 25, 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 Traverse City, MI
54 accounts at 15 banks and credit unions · checked Oct 5–22
- Typical
- 0.07%
- Top 10% from
- 3.00%
- Banks, typical
- 0.06%
- Credit unions, typical
- 0.25%
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Traverse City, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Lake Michigan Credit UnionCredit union · 2 branches
- Northwest Consumers Federal Credit UnionCredit union · 2 branches
- MSU Federal Credit UnionCredit union · 2 branches