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 16–30 results in Traverse City, MI
- TBA Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.50%–2.02% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Rates as of April 22, 2026.
Offer: Rates as of April 22, 2026.
0.50% interest rate · Effective Apr 22, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $24,999Your amount 0.50% $25,000 – $99,999 1.00% $100,000 and up 2.02% Rate checked
More details - Team One Credit UnionMoney Market SavingsMoney Market Savings · $0 min · 0.15%–2.50% by balance
Credit union · 1 branch
0.35%APY$35 a year on $10,000Requirements
Product: Liquid savings accounts that earn higher dividends than Regular Savings based on account balances. Includes unlimited deposits, checks available, and 6 free withdrawals per month.
0.15% interest rate · No monthly fee
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $2,000 0.15% $2,000 – $25,000Your amount 0.35% $25,000 – $75,000 0.75% $75,000 – $200,000 1.75% $200,000 – $500,000 2.25% Over $500,000 2.50% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Offers a simple way to build savings with an ATM card usable at over 55,000 surcharge-free ATMs. Requires a $199 minimum average balance per statement cycle to avoid service fees. Transaction limits apply.
Offer: Requires a $199 minimum average balance per statement cycle to avoid service fees.
0.25% interest rate · Effective Oct 9, 2026
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 - 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 - 0.20%APY$20 a year on $10,000
Requirements
Product: $5 monthly service charge if available balance falls below $100. $100 minimum deposit to open. Minimum $100.00 to earn interest. Unlimited deposits and transfers.
Offer: $5 monthly service charge waived if available balance remains at or above $100. $100.00 minimum to earn interest. Interest is compounded quarterly and credited quarterly.
0.15% interest rate · Compounded quarterly · $5 monthly fee
Rate by balance
Rate by balance for Personal Savings Balance APY $100 – $5,000 0.15% $5,000 and upYour amount 0.20% Rate checked
More details - Nicolet National BankMoney Market Account (MMA)Money Market Account (MMA) · $1,000 min · 0.10%–0.20% by balance
Bank · 1 branch
0.20%APY$20 a year on $10,000Requirements
Offer: $10 monthly service charge if available balance falls below $1,000.
0.10% interest rate · $10 monthly fee · Effective Sep 23, 2026
Rate by balance
Rate by balance for Money Market Account (MMA) Balance APY $1,000 – $4,999 0.10% $5,000 and upYour amount 0.20% Rate checked
More details - 4Front Credit UnionMoney Market ShareMoney Market Share · $1,000 min · 0.15%–0.40% by balance
Credit union · 2 branches
0.20%APY$20 a year on $10,0000.15% interest rate · Effective Sep 3, 2026
Rate by balance
Rate by balance for Money Market Share Balance APY $1,000 – $10,000 0.15% $10,000 – $25,000Your amount 0.20% $25,000 – $50,000 0.30% $50,000 and up 0.40% Rate checked
More details - 4Front Credit UnionMoney Market CheckingMoney Market Checking · $1,000 min · 0.10%–0.30% by balance
Credit union · 2 branches
0.15%APY$15 a year on $10,000Requirements
Product: No monthly service fees or deposit limits.
Offer: Some requirements apply.
0.10% interest rate · No monthly fee · Effective Oct 17, 2022
Rate by balance
Rate by balance for Money Market Checking Balance APY $1,000 – $10,000 0.10% $10,000 – $25,000Your amount 0.15% $25,000 – $50,000 0.25% $50,000 and up 0.30% 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: Primary account for membership. Dividends accrued daily, paid quarterly. $10/month fee if balance falls below $100 (waived for under 26 years of age). Free E-Statements; paper statements $2/month (free for over 55 and under 19). ATM access with ATM card. Up to 9 sub-share accounts.
Offer: $10/month fee if balance falls below $100; waived if under 26 years of age. Minimum opening deposit $5. Minimum balance $5.
0.05% interest rate
Rate by balance
Rate by balance for Membership Savings Balance APY Up to $999 0.05% $1,000 – $9,999 0.10% $10,000 and upYour amount 0.10% Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.07%–0.08% by balance
Bank · 1 branch
0.07%APY$7 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: PNC TotalRewards Platinum Tier Boost. Requires enrollment in Platinum Tier based on Average Eligible Balance of $500,000 or more.
Qualified rate · 0.07% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.07% $10,000 – $25,000Your amount 0.07% $25,000 – $50,000 0.07% $50,000 – $100,000 0.07% $100,000 – $250,000 0.08% $250,000 – $500,000 0.08% $500,000 – $1,000,000 0.08% $1,000,000 and up 0.08% Rate checked
More details - Independent BankRelationship Money Market AccountRelationship Money Market Account · $0 min · 0.01%–2.12% by balance
Bank · 2 branches
0.07%APY$7 a year on $10,000with conditionsRequirements
Offer: Without a Checking Relationship with Independent Bank
Qualified rate · 0.01% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Relationship Money Market Account Balance APY Up to $9,999 0.01% $10,000 – $24,999Your amount 0.07% $25,000 – $49,999 0.45% $50,000 – $99,999 1.06% $100,000 – $249,999 1.56% $250,000 and up 2.12% Rate checked
More details - 0.07%APY$7 a year on $10,000
Requirements
Product: Maintain a $500 minimum daily balance, combined account statements, or eStatements to avoid a $12 quarterly service fee. Interest is calculated on a daily balance method and compounded/paid quarterly. Minimum balance to earn interest is $0.01.
0.01% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Eagle Savings Balance APY Up to $9,999 0.01% $10,000 – $24,999Your amount 0.07% $25,000 – $49,999 0.10% $50,000 – $99,999 0.15% $100,000 – $249,999 0.30% $250,000 and up 0.60% Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.05%–0.07% by balance
Bank · 1 branch
0.06%APY$6 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: PNC TotalRewards Gold Tier Boost. Requires enrollment in Gold Tier based on Average Eligible Balance of $100,000 to $499,999.99.
Qualified rate · 0.06% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.06% $10,000 – $25,000Your amount 0.06% $25,000 – $50,000 0.06% $50,000 – $100,000 0.06% $100,000 – $250,000 0.07% $250,000 – $500,000 0.07% $500,000 – $1,000,000Standard rate tier. Monthly fee waived if avg monthly balance >=$5,000 or linked to select PNC checking. Opening deposit $25 at branches; online opening minimum $0. 0.05% $1,000,000 and upStandard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.05% 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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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