Compare Bank & Credit Union Rates
Best savings rates in Troy, 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 Troy, MI
- 4.00%APY$400 a year on $10,000intro rate
Requirements
Product: Personal accounts only. $5 monthly maintenance charge waived with at least a $300 average daily collected balance, or by maintaining a Flagstar personal checking relationship, or if the primary account owner is 24 years of age or younger.
Offer: Standard non-promotional rate applies to balances under $10,000 ($0.01 or greater). $5 monthly maintenance fee waived if average daily collected balance is at least $300, or with an owner relationship on a Flagstar personal checking account with a balance of at least $0.01, or if primary account owner is 24 or younger.
Promotional rate · $5 monthly fee · Effective Oct 17, 2026
Rate by balance
Rate by balance for Flagstar Ready Savings Balance APY Up to $10,000 0.05% $10,000 and upYour amountMust be a new personal savings client and deposit new money. $1 minimum opening deposit. Reverts to standard non-promotional rate after 180 days. Early account closure fee may apply if closed within 180 days. 4.00% Rate checked
More details - 3.75%APY$375 a year on $10,000
Requirements
Product: No fee with balances over $1,000.
Offer: Earn up to 3.75% APY. No fee with balances over $1,000.
Rate checked
More details - Chief Financial Credit UnionMoney Market AccountMoney Market Account · $500 min
Credit union · 1 branch
3.65%APY$365 a year on $10,000intro rateRequirements
Product: Membership eligibility is required to open an account. Compounded monthly.
Offer: Variable-rate account; rate may change at any time after account opening. Minimum daily balance of $500 required to obtain stated APY. Members forfeit dividends if account is closed before accrued dividends post.
Promotional rate · 3.59% interest rate · Compounded monthly · Effective Oct 1, 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 · 2 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 · 2 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 - Michigan First Credit UnionSavingsPlus AccountSavings · $1 min · 0.25%–10.47% by balance
Credit union · 1 branch
2.27%APY$227 a year on $10,000with conditionsRequirements
Product: Must be 18 or older to open an account (ages 13-17 can open with a parent or guardian). A $100 aggregate balance must be maintained across all Michigan First accounts after the first 3 months of membership to avoid a monthly minimum balance fee.
Offer: Bonus dividend rate requires: enrolled in e-statements for both account and credit card statements; maintain a Premier Checking Account; perform no more than 2 in-person and/or mail-in transactions a month; maintain a minimum of $400 monthly direct deposit; and either use Debit Card 10+ times/month for signature/PIN purchases or Rewards Credit Card 12+ times/month for merchant purchases.
Qualified rate · 10.00% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for SavingsPlus Account Balance APY Up to $5,000 10.47% $5,000 and upApplies when bonus dividend qualifications are not met. 0.25% $5,001 – $99,999Your amount 2.27% $100,000 and up 3.04% 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 - 1.58%APY$158 a year on $10,000with conditions
Requirements
Product: Must have an open Loyalty Rewards Checking or Loyalty Rewards + The Bundler Checking account that remains open throughout holding this account. Linked checking interest automatically transferred to savings.
Offer: Qualifying rate on daily balances of $100,000 or less when enrolled in eStatements via Online Banking and all three checking qualifiers are met (minimum 20 Debit MasterCard transactions post and settle, minimum $500 direct deposit or ACH debit/credit post and settle, combined total of $25,000 or more in personal deposit accounts/loan relationships).
Qualified rate · 1.57% interest rate · No monthly fee · Effective Jun 10, 2026
Rate by balance
Rate by balance for Loyalty Rewards Savings Balance APY Up to $100,000Your amount 1.58% $100,000 and up 0.07% Rate checked
More details - Genisys Credit UnionMoney Market Savings AccountMoney Market Savings Account · $2,500 min · 1.31%–2.38% by balance
Credit union · 1 branch
1.51%APY$151 a year on $10,000Requirements
Product: Also referred to as a high yield savings account, or HYSA. Minimum balance of $2,500 required to earn dividends.
Offer: Minimum balance of $2,500 required to earn dividends.
1.30% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Savings Account Balance APY $2,500 – $9,999 1.31% $10,000 – $24,999Your amount 1.51% $25,000 – $49,999 1.71% $50,000 – $74,999 1.76% $75,000 – $99,999 1.97% $100,000 – $249,999 2.17% $250,000 and up 2.38% Rate checked
More details - Superior National BankSuperior Personal Money MarketSuperior Personal Money Market · $50 min · 0.05%–3.00% by balance
Bank · 1 branch
1.40%APY$140 a year on $10,000Requirements
Product: Fully liquid account with check-writing privileges. Maintain a $2,500 daily balance to avoid a $10 monthly service fee. Rates are variable and may change after account is opened. Fees could reduce earnings.
Offer: Tier 1: Daily minimum amount to earn APY is $0.01. Maintain a $2,500 daily balance to avoid the $10 monthly fee.
$10 monthly fee · Effective Oct 13, 2026
Rate by balance
Rate by balance for Superior Personal Money Market Balance APY Up to $10,000 0.05% $10,000 – $100,000Your amount 1.40% $100,000 – $500,000 1.90% $500,000 – $1,000,000 2.40% $1,000,000 and up 3.00% Rate checked
More details - Michigan First Credit UnionMoney Market AccountMoney Market Account · $1 min · 0.00%–2.53% by balance
Credit union · 1 branch
1.06%APY$106 a year on $10,000Requirements
Product: Members must be 18 years old to open this account. Minimum account aggregate balance of $100 required to avoid additional fee of $3/month.
Offer: Minimum balance to open account and earn advertised APY. Minimum account aggregate balance of $100 required to avoid $3/month fee.
0.00% interest rate · $3 monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,499 0.00% $2,500 – $4,999 1.06% $5,000 – $24,999Your amount 1.06% $25,000 – $99,000 1.71% $100,000 – $199,999 2.22% $200,000 – $499,999 2.53% $500,000 and up 2.53% Rate checked
More details - 1.03%APY$103 a year on $10,000
Requirements
Product: Only available for new customers or deposits of new funds not currently held with F&M Bank. Limit 1 Direct Savings account per household. $3.00 monthly service charge waived if a $300.00 minimum balance is maintained each day during the month.
Offer: Schedule table rate for balance $0 - $99,999.99. $3.00 monthly service charge waived if $300.00 minimum balance maintained each day.
1.02% interest rate · $3 monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Direct Savings Balance APY Up to $100,000Your amount 1.03% $100,000 – $250,000 1.13% $250,000 – $500,000 1.34% $500,000 and up 1.46% 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 $10,000with conditions
Requirements
Product: Linked Kasasa Cash or Kasasa Cash Back checking account required. Limit 1 account per Social Security number.
Offer: When qualifications are met on linked Kasasa Cash or Kasasa Cash Back account (at least 12 debit card purchases post and settle, receive eStatements, and log into online banking each monthly qualification cycle).
Qualified rate · 0.99% interest rate · No monthly fee · Effective Oct 1, 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 Troy, MI
64 accounts at 21 banks and credit unions · checked Oct 6–22
- Typical
- 0.09%
- Top 10% from
- 2.11%
- Banks, typical
- 0.06%
- Credit unions, typical
- 0.15%
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Detroit, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Chief Financial Credit UnionCredit union · 4 branches
- Extra Credit UnionCredit union · 2 branches
- Christian Financial Credit UnionCredit union · 12 branches