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 1–15 results in Coldwater, MI metro
- Ignite Credit UnionAmped Savings AccountSavings · $0 min · 0.01%–5.00% by balance
Credit union · 1 branch
5.00%APY$500 a year on $10,000with conditionsRequirements
Product: Requires an active Amped Checking account meeting monthly requirements and an active loan in good standing. If criteria for Amped Checking are not met, account earns 0.01% APY.
Offer: Variable rate. Compounded and credited monthly. Calculated using average daily balance method.
Qualified rate · 4.89% interest rate · No monthly fee · Effective Jul 3, 2026
Rate by balance
Rate by balance for Amped Savings Account Balance APY Up to $25,000Your amount 5.00% Over $25,000 0.01% Rate checked
More details - 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 - 3.37%APY$337 a year on $10,000with conditions
Requirements
Product: *Terms & Conditions: Amplify Money Market *APY = Annual Percentage Yield. Rates accurate as of 5/4/26. $0.01 minimum deposit required to earn the base dividend of 0.50% APY. An additional bonus dividend of 2.87% APY requires at least 1 cleared credit card transaction per month on a Select Credit Card or Select Rewards Credit Card account AND at least 1 cleared signature-based or PIN-based point of sale (POS) debit transaction per month (PIN-based ATM transactions not eligible) on a Benefits Checking or Connect Checking account – In order to satisfy the relationship bonus dividend requirements, credit card and debit card transactions must be from accounts within the same membership as the Amplify Money Market account and transactions must be posted by 5:00 PM EST on the last business day of the month. Please note that Honor posts transactions based on how they are received from merchants. Accounts meeting both of the qualifying requirements will earn a total dividend of 3.37% APY. Rates are variable and subject to change without notice. Insured by NCUA.
Offer: Total dividend of 3.37% APY (includes additional bonus dividend of 2.87% APY). Requires at least 1 cleared credit card transaction per month on a Select Credit Card or Select Rewards Credit Card account AND at least 1 cleared signature-based or PIN-based point of sale (POS) debit transaction per month (PIN-based ATM transactions not eligible) on a Benefits Checking or Connect Checking account within the same membership, posted by 5:00 PM EST on the last business day of the month. $0.01 minimum deposit required.
Qualified rate · 2.87% interest rate · Effective Oct 5, 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 - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Links to Kasasa Cash or Kasasa Cash Back checking account to auto-transfer rewards. No monthly maintenance fee. Limit of 1 account per social security number.
Offer: When qualifications in Kasasa Cash or Kasasa Cash Back are met (at least 12 debit card purchases, enrolled in and agree to receive eStatements, and enrolled in and log into online banking during each Monthly Qualification Cycle).
Qualified rate · 1.98% interest rate · Balance cap $25,000 · No monthly fee
Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Must have a linked Thrive Rewards Checking or Thrive Cash Back Checking account. Limit of 1 account per primary Social Security Number.
Offer: Applies to daily balances up to and including $100,000 when qualifications in the linked Thrive Rewards Checking or Thrive Cash Back Checking account are met during the Monthly Qualification Cycle (at least 15 debit card transactions of at least $3.00 each, at least 1 direct deposit or ACH transaction, and enrollment in e-statements).
Qualified rate · No monthly fee · Effective Jul 17, 2024
Rate by balance
Rate by balance for Thrive Savings Balance APY Up to $100,000Your amount 2.00% $100,000 and up 0.50%* Rate checked
More details - Ignite Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.70%–1.00% by balance
Credit union · 1 branch
0.70%APY$70 a year on $10,000Requirements
Offer: Minimum balance to earn stated APY is $0.01.
0.70% interest rate · Effective Jul 3, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $25,000Your amount 0.70% $25,000 – $50,000 0.80% $50,000 – $100,000 0.90% $100,000 and up 1.00% Rate checked
More details - Marshall Community Credit UnionSuperSaverSavings · $1,000 min · 0.70%–1.15% by balance
Credit union · 1 branch
0.70%APY$70 a year on $10,000Requirements
Product: Requires $1,000 minimum deposit to open. No annual or management fees. Dividends paid monthly.
Offer: Average daily balance tier.
0.70% interest rate
Rate by balance
Rate by balance for SuperSaver Balance APY $1,000 – $25,000Your amount 0.70% $25,000 – $75,000 0.85% $75,000 – $150,000 1.00% $150,000 – $250,000 1.10% $250,000 and up 1.15% Rate checked
More details - Marshall Community Credit UnionWiseSaverSavings · $1,000 min · 0.70%–1.30% by balance
Credit union · 1 branch
0.70%APY$70 a year on $10,000Requirements
Product: $175,000 minimum account balance required. No annual or management fees. Dividends paid monthly.
Offer: Average daily balance tier.
0.70% interest rate
Rate by balance
Rate by balance for WiseSaver Balance APY $1,000 – $175,000Your amount 0.70% $175,000 and up 1.30% Rate checked
More details - 0.50%APY$50 a year on $10,000with conditions
Requirements
Product: *Terms & Conditions: Amplify Money Market *APY = Annual Percentage Yield. Rates accurate as of 5/4/26. $0.01 minimum deposit required to earn the base dividend of 0.50% APY. An additional bonus dividend of 2.87% APY requires at least 1 cleared credit card transaction per month on a Select Credit Card or Select Rewards Credit Card account AND at least 1 cleared signature-based or PIN-based point of sale (POS) debit transaction per month (PIN-based ATM transactions not eligible) on a Benefits Checking or Connect Checking account – In order to satisfy the relationship bonus dividend requirements, credit card and debit card transactions must be from accounts within the same membership as the Amplify Money Market account and transactions must be posted by 5:00 PM EST on the last business day of the month. Please note that Honor posts transactions based on how they are received from merchants. Accounts meeting both of the qualifying requirements will earn a total dividend of 3.37% APY. Rates are variable and subject to change without notice. Insured by NCUA.
Offer: Base dividend 0.50% APY. $0.01 minimum deposit required.
Qualified rate · 0.50% interest rate · Effective Oct 5, 2026
Rate checked
More details - Honor Credit UnionMomentum Money MarketMomentum Money Market · $2,500 min · 0.15%–1.00% by balance
Credit union · 1 branch
0.15%APY$15 a year on $10,000Requirements
Product: *Terms & Conditions: Momentum Money Market *APY= Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. Some restrictions may apply.
0.15% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Momentum Money Market Balance APY $2,500 – $50,000Your amount 0.15% $50,000 – $100,000 0.30% $100,000 – $250,000 0.60% $250,000 – $500,000 0.80% $500,000 and up 1.00% Rate checked
More details - Consumers Credit UnionMoney MarketMoney Market · $2,500 min · 0.10%–0.35% by balance
Credit union · 1 branch
0.15%APY$15 a year on $10,000Requirements
Product: Dividends credited monthly. Maintain a $2,500 average daily balance to earn dividends. No monthly service fees. Rates are variable and subject to change at any time without notice. Fees may reduce earnings.
Offer: Rates are variable and subject to change at any time without notice. Fees may reduce earnings. Maintain a $2,500 average daily balance to earn dividends.
0.10% interest rate · No monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $9,999 0.10% $10,000 – $24,999Your amount 0.15% $25,000 – $49,999 0.20% $50,000 – $99,999 0.25% $100,000 – $249,999 0.30% $250,000 and up 0.35% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Personal accounts only. Initial minimum opening deposit to earn higher rate is $25,000. Account must be funded within 90 days of approval date. Early closure fee may apply if closed within 180 days. $15 monthly service charge waived with at least a $10,000 average daily collected balance or with a Flagstar personal checking relationship.
Offer: Tier 1 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or if owner of a Flagstar personal checking account with balance of at least $0.01.
$15 monthly fee
Rate by balance
Rate by balance for Flagstar Performance Savings Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amountTier 2 balance rate. 0.10% $25,000 – $50,000Tier 3 balance rate. 3.20% $50,000 – $100,000Tier 4 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. 3.20% $100,000 – $500,000Tier 5 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. 3.20% $500,000 and upTier 6 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. 3.20% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Earn interest on accounts over $50. No monthly fees when you select eStatements. Membership qualification applies ($5 donation to Special Olympics Michigan or live/work in eligible MI/IN areas).
Offer: $25 minimum opening deposit. Interest earned on accounts over $50. No monthly fees with eStatements.
0.10% interest rate · Effective Oct 5, 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 Coldwater, MI metro
31 accounts at 9 banks and credit unions · checked Oct 16–22
- Typical
- 0.10%
- Top 10% from
- 3.25%
- Banks, typical
- 0.06%
- Credit unions, typical
- 0.15%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Coldwater, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Flagstar BankBank · 1 branch