Compare Bank & Credit Union Rates
Best high-yield savings rates
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 16–30 results in Bay City, MI metro
- 0.75%APY$75 a year on $10,000
Requirements
Product: Every $25 deposited earns prize entries, capped at 100 per month. Prize drawings described; Florida openers/primary Florida-branch transactors ineligible to win. Minimum opening balance is $25.00; minimum balance to earn dividends is $0.00. Dividends compounded and credited monthly.
Offer: 12-Month $0.00 - $24,999.99. Minimum opening balance $25.00; minimum balance to earn dividends $0.00.
0.75% interest rate
Rate by balance
Rate by balance for Save To Win Balance APY Up to $25,000Your amount 0.75% $25,000 and up12-Month $25,000.00 and over. 0.10% Rate checked
More details - United Financial Credit UnionMoney Maker Savings AccountSavings · $100 min · 0.65%–1.05% by balance
Credit union · 3 branches
0.75%APY$75 a year on $10,000Requirements
Product: Tiered rate savings account where the rate for a tier applies to the entire balance. Minimum balance of $100 required to earn stated APY.
Offer: Rate applies to average daily balance tier of $100.00 to $2,499.99.
0.65% interest rate · Effective Aug 19, 2026
Rate by balance
Rate by balance for Money Maker Savings Account Balance APY $100 – $2,500 0.65% $2,500 – $25,000Your amount 0.75% $25,000 – $50,000 0.85% $50,000 – $100,000 0.95% $100,000 and up 1.05% Rate checked
More details - United Financial Credit UnionMoney Maker Savings AccountMoney Maker Savings Account · $100 min · 0.55%–1.05% by balance
Credit union · 3 branches
0.75%APY$75 a year on $10,000Requirements
Product: Tiered rate account. Dividend rate varies by balance.
Offer: Minimum balance to earn APY: $100.
0.65% interest rate · Effective Aug 19, 2026
Rate by balance
Rate by balance for Money Maker Savings Account Balance APY $100 – $2,500 0.55% $2,500 – $25,000Your amount 0.75% $25,000 – $50,000 0.85% $50,000 – $100,000 0.95% $100,000 and up 1.05% Rate checked
More details - Sunrise Family Credit UnionInsured Money Market (IMMA)Insured Money Market (IMMA) · $2,000 min · 0.50%–1.75% by balance
Credit union · 2 branches
0.60%APY$60 a year on $10,000Requirements
Product: Minimum deposit $100.00; minimum withdrawal $500.00. Maximum of 3 withdrawals per month ($25.00 fee per withdrawal if exceeded). Requires $10.00 par value share in Share Savings for membership.
0.50% interest rate · No monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Insured Money Market (IMMA) Balance APY $2,000 – $9,999 0.50% $10,000 – $24,999Your amount 0.60% $25,000 – $49,999 0.80% $50,000 – $99,999 1.25% $100,000 and up 1.75% Rate checked
More details - Lake Huron Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.50%–1.51% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $20,000Your amount 0.50% $20,000 – $50,000 0.75% $50,000 – $75,000 1.01% $75,000 – $150,000 1.36% $150,000 and up 1.51% Rate checked
More details - Financial Plus Credit UnionHigh Yield Plus Money MarketHigh Yield Plus Money Market · $1,500 min · 0.00%–1.00% by balance
Credit union · 1 branch
0.40%APY$40 a year on $10,000Requirements
Product: $1,500 to open and receive dividend. No monthly fees. Dividends are tiered to offer higher rates for larger balances and paid monthly on daily balance.
0.00% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for High Yield Plus Money Market Balance APY Up to $1,500 0.00% $1,500 – $14,999Your amount 0.40% $15,000 – $24,999 0.60% $25,000 – $49,999 0.80% $50,000 – $99,999 1.00% $100,000 – $249,999 1.00% $250,000 – $499,999 1.00% $500,000 and up 1.00% 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 - Jolt Credit UnionMoney MarketMoney Market · $1,000 min · 0.20%–0.25% by balance
Credit union · 2 branches
0.25%APY$25 a year on $10,0000.20% interest rate · No monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $9,999 0.20% $10,000 and upYour amount 0.25% Rate checked
More details - ELGA Credit UnionELGA Elite High Yield SavingsSavings · $200 min · 0.10%–1.00% by balance
Credit union · 2 branches
0.25%APY$25 a year on $10,000Requirements
Product: Must be an ELGA member. Minimum opening balance equals the lowest amount of each published tier. Minimum balance to earn dividends equals the minimum opening balance on Elite accounts. Balances below $1,000 earn the regular savings rate unless under $200, then no interest. Product page: no withdrawal penalties or maturity dates; only 6 electronic transactions each month. Rate table page: dividends compounded and credited quarterly. Rates are variable.
Offer: Balances below $1,000.00 earn the regular savings rate (Membership Share 0.10% APY / 0.10% dividend). Under $200.00 does not earn interest.
0.10% interest rate
Rate by balance
Rate by balance for ELGA Elite High Yield Savings Balance APY $200 – $1,000 0.10% $1,000 – $5,000opening minimum is the tier floor. 0.15% $5,000 – $10,000opening minimum is the tier floor. 0.20% $10,000 – $25,000Your amountopening minimum is the tier floor. 0.25% $25,000 – $50,000opening minimum is the tier floor. 0.35% $50,000 – $100,000opening minimum is the tier floor. 0.35% $100,000 – $250,000opening minimum is the tier floor. 0.50% $250,000 – $500,000opening minimum is the tier floor. 0.50% $500,000 – $1,000,000opening minimum is the tier floor. 0.85% $1,000,000 and upopening minimum is the tier floor. 1.00% Rate checked
More details - Frankenmuth Credit UnionWealth BuilderSavings · $100 min · 0.16%–0.20% by balance
Credit union · 3 branches
0.20%APY$20 a year on $10,000Requirements
Product: No interest will be paid on the Wealth Builder Consumer if the average daily balance is less than $100.
Offer: Investment $100-$9,999.
0.20% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for Wealth Builder Balance APY $100 – $9,999 0.20% $10,000 – $49,999Your amountInvestment $10,000-$49,999; APY range .16%-.20%. 0.20% $50,000 – $99,999Investment $50,000-$99,999; APY range .13%-.16%. 0.16% Rate checked
More details - Independent BankRelationship Money Market AccountRelationship Money Market Account · $0 min · 0.06%–2.17% by balance
Bank · 5 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 - FinancialEdge Credit UnionHigh Yield 2.5Savings · $0 min · 0.00%–0.15% by balance
Credit union · 2 branches
0.12%APY$12 a year on $10,000Requirements
Product: Tiered earnings structure. Maximum of 6 withdrawals per month. No penalty for early withdrawal. Minimum opening balance and minimum balance for dividend is $2,500. Compounded and credited monthly.
0.00% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for High Yield 2.5 Balance APY Up to $2,500 0.00% $2,500 – $10,000 0.10% $10,000 – $25,000Your amount 0.12% $25,000 and up 0.15% Rate checked
More details - FinancialEdge Credit UnionHigh Yield 2.5High Yield 2.5 · $0 min · 0.00%–0.15% by balance
Credit union · 2 branches
0.12%APY$12 a year on $10,0000.00% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for High Yield 2.5 Balance APY Up to $2,500 0.00% $2,500 – $10,000 0.10% $10,000 – $25,000Your amount 0.12% $25,000 and up 0.15% Rate checked
More details - United Bay Community Credit UnionMoney Manager AccountSavings · 0.02%–1.21% by balance
Credit union · 3 branches
0.10%APY$10 a year on $10,000Requirements
Product: Tiered-rate structure based on average daily balance.
Offer: Dividends are compounded daily and paid monthly. Balance tier: less than $1,000.
0.02% interest rate · Compounded daily · Effective Oct 15, 2026
Rate by balance
Rate by balance for Money Manager Account Balance APY Up to $1,000 0.02% $1,000 – $9,999 0.05% $10,000 – $24,999Your amount 0.10% $25,000 – $49,999 0.25% $50,000 – $99,999 0.35% $100,000 – $249,999 0.60% $250,000 and up 1.21% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Minimum balance to open $5.00. Minimum balance to earn dividends $200.00. Dividends compounded and credited quarterly. Rates are variable and may change after the account is opened. Table also lists business, which is out of scope.
Offer: All consumer balances that meet the $200.00 minimum to earn dividends.
0.10% interest rate
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 Bay City, MI metro
70 accounts at 16 banks and credit unions · checked Oct 16–22
- Typical
- 0.06%
- Top 10% from
- 2.03%
- Banks, typical
- 0.06%
- Credit unions, typical
- 0.08%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Bay City, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- United Financial Credit UnionCredit union · 3 branches
- Lake Huron Credit UnionCredit union · 1 branch
- Sunrise Family Credit UnionCredit union · 2 branches