Compare Bank & Credit Union Rates
Best savings rates in Michigan
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 76–90 results in Michigan
- Superior National BankSuperior Personal Money MarketSuperior Personal Money Market · $50 min · 0.05%–3.00% by balance
Bank · 10 branches
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 - Frankenmuth Credit UnionMega Money MarketMega Money Market · $10,000 min · 1.35%–2.85% by balance
Credit union · 32 branches
1.35%APY$135 a year on $10,000Requirements
Product: Limited to four withdrawals per month of $500 or more. All deposits must be over $100. Members will forfeit dividends if account is closed before accrued dividends are posted.
Offer: Minimum opening balance of $10,000 is required and is the minimum balance required to earn interest. Limited to four withdrawals per month of $500 or more. All deposits must be over $100.
1.34% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Mega Money Market Balance APY $10,000 – $24,999Your amount 1.35% $25,000 – $49,999 1.45% $50,000 – $99,999 1.55% $100,000 – $499,999 2.20% $500,000 – $999,999 2.70% $1,000,000 and up 2.85% Rate checked
More details - Best Financial Credit UnionEasy Access Money MarketEasy Access Money Market · $2,500 min · 0.15%–1.75% by balance
Credit union · 2 branches
1.30%APY$130 a year on $10,000Requirements
Product: Dividends paid on all balance of $2,500 or more. Dividends calculated daily, paid monthly. $2,500 minimum deposit to open.
0.15% interest rate
Rate by balance
Rate by balance for Easy Access Money Market Balance APY $1,150 – $2,499 0.15% $2,500 – $7,500 1.20% $7,500 – $25,000Your amount 1.30% $25,000 – $50,000 1.50% $50,000 – $250,000 1.75% $250,000 and up 1.75% Rate checked
More details - Limestone FCUClimb Higher Money Market AccountClimb Higher Money Market Account · $10,000 min · 0.30%–2.00% by balance
Credit union · 3 branches
1.30%APY$130 a year on $10,000Requirements
Product: Minimum of $10,000 to open. No more than three (3) withdrawals per month ($10 fee for additional withdrawals). If balance falls below the minimum required balance, a fee of $10 will be charged.
Effective Oct 5, 2026
Rate by balance
Rate by balance for Climb Higher Money Market Account Balance APY Up to $10,000 0.30% $10,000 – $25,000Your amount 1.30% $25,000 – $50,000 1.40% $50,000 – $500,000 1.75% $500,000 and up 2.00% 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 · 15 branches
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 - Oxford BankMoney Market AccountMoney Market Account · $1,000 min · 0.32%–3.77% by balance
Bank · 7 branches
1.26%APY$126 a year on $10,000Requirements
Product: Avoid the $10 monthly service fee by maintaining a minimum daily balance of $2,000 or more.
Offer: Balance < $3,500,000 schedule. Monthly fee waived with $2,000 minimum daily balance.
1.25% interest rate · $10 monthly fee · Effective Feb 11, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $250,000Your amount 1.26% $250,000 – $500,000 2.02% $500,000 – $3,500,000Tier Low 1.56% Tier High 3.45% APY. 3.77%* $3,500,000 and upTier Low 3.45% Tier High 0.33% APY. 0.32%* Rate checked
More details - 1.26%APY$126 a year on $10,000with conditions
Requirements
Product: Must have a share savings account ($5 minimum deposit) to be a member and qualify. Unlimited electronic withdrawals and deposits; not subject to Regulation D withdrawal limitations or fees.
Offer: Monthly requirements met: maintain a Circle FCU checking account, complete at least one debit card transaction (PIN, signature, or POS) during the month, and receive at least $50 in ACH deposits into any eligible sub account under membership (excluding primary 000 Share Savings).
Qualified rate · 1.25% interest rate · Effective Oct 5, 2026
Rate checked
More details - Alpena Credit UnionMoney MarketMoney Market · $2,000 min · 1.26%–1.76% by balance
Credit union · 1 branch
1.26%APY$126 a year on $10,000Requirements
Product: More than 2 withdrawals or transfers in a month, account will be subject to a per item fee of $25 as well as possible closure. Any fees incurred may reduce earnings on the account. Rate is subject to change.
Offer: Tier 1
1.25% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,000 – $20,000Your amount 1.26% $20,000 – $75,000Tier 2 1.51% Over $75,000Tier 3 1.76% Rate checked
More details - Consumers Professional Credit UnionMoney Management AccountsMoney Management Accounts · $2,500 min · 1.01%–1.36% by balance
Credit union · 3 branches
1.26%APY$126 a year on $10,000Requirements
Product: Dividend is paid monthly. Interest rates are a variable rate. Minimum balance of $2,500 with 3 total tiers. Compounded/Credited Monthly. Minimum balance to obtain APY is $5,000.00.
Offer: Compounded/Credited Monthly. Minimum balance to obtain APY is $5,000.00.
1.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Management Accounts Balance APY $2,500 – $4,999 1.01% $5,000 – $14,999Your amount 1.26% $15,000 and up 1.36% Rate checked
More details - Consumers Professional Credit UnionMoney Management AccountSavings · $2,500 min · 1.01%–1.36% by balance
Credit union · 3 branches
1.26%APY$126 a year on $10,000Requirements
Product: The Money Management account is a great option for savings with a lower required balance to earn dividends. Dividend is paid monthly. Interest rates are a variable rate. The Money Management account has a minimum balance of $2,500 with 3 total tiers. Minimum balance to obtain APY is $5,000.00.
Offer: Tier 1. Compounded/Credited Monthly. Minimum balance to obtain APY is $5,000.00.
1.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Management Account Balance APY $2,500 – $4,999 1.01% $5,000 – $14,999Your amountTier 2. 1.26% $15,000 and upTier 3. 1.36% Rate checked
More details - Consumers Professional Credit UnionDiamond Money FundSavings · $5,000 min · 1.26%–1.76% by balance
Credit union · 3 branches
1.26%APY$126 a year on $10,000Requirements
Product: By opening a Diamond Money Account, members are able to keep their funds liquid yet earn an Annual Percentage Yield (APY) that is typically higher than the Prime Share Account. The Diamond Fund has a minimum balance of $5,000 with 5 total tiers. Compounded/Credited Monthly. Minimum balance to obtain APY is $5,000.00.
Offer: Compounded/Credited Monthly. Minimum balance to obtain APY is $5,000.00.
1.25% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Diamond Money Fund Balance APY $5,000 – $14,999Your amount 1.26% $15,000 – $24,999 1.36% $25,000 – $49,999 1.46% $50,000 – $99,999 1.56% $100,000 and up 1.76% Rate checked
More details - Christian Financial Credit UnionMoney Market SavingsMoney Market Savings · $100 min · 0.05%–2.00% by balance
Credit union · 12 branches
1.25%APY$125 a year on $10,000Requirements
Product: Withdrawal or transfer up to 6 times per month without penalty. If fees are applied, it may reduce earnings.
0.05% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY $100 – $2,500 0.05% $2,500 – $10,000 1.00% $10,000 – $50,000Your amount 1.25% $50,000 – $100,000 1.50% $100,000 – $250,000 1.75% $250,000 and up 2.00% Rate checked
More details - Michigan One Community Credit UnionMoney Market ManagerMoney Market Manager · $1,000 min · 1.25%–2.85% by balance
Credit union · 5 branches
1.25%APY$125 a year on $10,000Requirements
Product: Must maintain a balance of at least $1,000 to earn interest and avoid a $10 monthly fee. Up to 6 withdrawals per month by check. Compounding is monthly. Available for member deposits only.
Offer: Maintain a minimum balance of $1,000 to earn interest and avoid a $10 monthly fee.
1.25% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Manager Balance APY $1,000 – $24,999Your amount 1.25% $25,000 – $49,999 1.75% $50,000 – $99,999 2.00% $100,000 – $249,999 2.50% $250,000 and up 2.85% 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 · 26 branches
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
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 Michigan
621 accounts at 213 banks and credit unions · checked Oct 16–22
- Typical
- 0.15%
- Top 10% from
- 1.66%
- Banks, typical
- 0.20%
- Credit unions, typical
- 0.15%
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Michigan
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Settlers Federal Credit UnionCredit union · 2 branches
- Chief Financial Credit UnionCredit union · 4 branches
- Meijer Credit UnionCredit union · 3 branches