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 Grand Rapids, 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 - First National Bank of AmericaHigh Yield Savings PromotionSavings · $1,000 min · 3.86%–4.20% by balance
Bank · 1 branch
4.20%APY$420 a year on $10,000intro rateRequirements
Product: Promotional rate available to new accounts only for the first 6 months from date of account opening on new money (funds deposited from external source not held at FNBA within the last 30 days). Tiered variable-rate account. After promotion period ends, Platinum HYSA rates apply. Entire balance earns the applicable tier rate.
Offer: Promotional rate applies to all balances for the first 6 months when bringing new money to FNBA.
Promotional rate · 4.12% interest rate · Effective Oct 9, 2026
Rate by balance
Rate by balance for High Yield Savings Promotion Balance APY Any balanceYour amount 4.20% Over $250,000 3.86% 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 - 3.75%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 - 3.60%APY$360 a year on $10,000intro rate
Requirements
Product: Promotional rate available to new accounts only for the first 6 months from date of account opening on new money (funds deposited from external source not held at FNBA within the last 30 days). Tiered variable-rate account. After promotion period ends, Platinum HYSA rates apply. Entire balance earns the applicable tier rate.
Offer: Promotional rate tier for balances $250,000 or Less. Entire balance earns the applicable tier rate.
Promotional rate · 3.54% interest rate · Balance cap $250,000 · Effective Oct 9, 2026
Rate checked
More details - 3.50%APY$350 a year on $10,000with conditions
Requirements
Product: No minimum balance to open. One High Yield Savings per member. Base rate applies up to $50,000; to earn 3.50% APY, must pair with an active FreePlus Checking account meeting monthly requirements (direct deposit of $500+, 10 posted debit transactions, estatements, and log into online banking at least once per month).
Offer: Requires active FreePlus Checking account with direct deposit of $500+, 10 posted debit card transactions, monthly estatements, and online banking login at least 1x per month. Rate applies on balances up to $50,000.
Qualified rate · Balance cap $50,000 · Effective Oct 5, 2026
Rate checked
More details - 3.40%APY$340 a year on $10,000
Requirements
Product: Unlimited Withdrawals. Eligible for overdraft protection.
Offer: $1,000 minimum deposit to maximize earnings.
3.35% interest rate · Effective Oct 5, 2026
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 - 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 · 36 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 · 36 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 - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Linked Rewards Checking or Cash Back Checking account required. Monthly Qualification Cycle requirements apply for highest rate.
Offer: Qualifications met (15 debit purchases $5+; 1 direct deposit/ACH/eStatements).
Qualified rate · No monthly fee · Effective Oct 15, 2026
Rate checked
More details - First National Bank of AmericaPlatinum High Yield SavingsSavings · $1,000 min · 3.00%–3.51% by balance
Bank · 1 branch
3.00%APY$300 a year on $10,000Requirements
Product: Tiered, variable-rate savings account available to new FNBA customers with a minimum opening deposit of $1,000. Existing FNBA customers can convert their standard HYSA to Platinum HYSA by depositing a one-time lump sum of $20,000 of new money by December 31, 2026. Entire balance earns tier rate. $10 monthly service fee assessed if a minimum balance of $1,000 is not maintained.
Offer: Rate for account balances up to $250,000. Entire balance earns tier rate. $10 monthly service fee if balance falls below $1,000.
$10 monthly fee · Effective Oct 9, 2026
Rate by balance
Rate by balance for Platinum High Yield Savings Balance APY Up to $250,000Your amount 3.00% Over $250,000 3.51% Rate checked
More details - United Federal Credit UnionElevate Money MarketElevate Money Market · $0 min · 0.00%–3.50% by balance
Credit union · 2 branches
3.00%APY$300 a year on $10,000with conditionsRequirements
Product: Tiered money market program for consumer accounts only; business accounts not eligible. Subject to membership qualifications. Bonus rate of 2.50% APY applies when meeting qualifying checking, debit/credit transactions, direct deposit/ACH, and e-statement criteria.
Offer: Standard tier rate.
Qualified rate · 0.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Elevate Money Market Balance APY Any balance 0.00% $1,000 and upYour amountTier rate with bonus rate. Requires Tax Reported Owner to have an Ultra Checking or Free Checking account maintained with an average monthly balance of at least $1.00, at least 20 cleared signature/non-PIN debit or credit card transactions, 1 direct deposit or ACH auto payment, and active e-statements. 3.00% $100,000 and upTier rate with bonus rate. Requires Tax Reported Owner to have an Ultra Checking or Free Checking account maintained with an average monthly balance of at least $1.00, at least 20 cleared signature/non-PIN debit or credit card transactions, 1 direct deposit or ACH auto payment, and active e-statements. 3.25% $250,000 and upTier rate with bonus rate. Requires Tax Reported Owner to have an Ultra Checking or Free Checking account maintained with an average monthly balance of at least $1.00, at least 20 cleared signature/non-PIN debit or credit card transactions, 1 direct deposit or ACH auto payment, and active e-statements. 3.50% Rate checked
More details - 2.75%APY$275 a year on $10,000with conditions
Requirements
Product: No branch or call center access with this account. Earn 2.75% APY when you have $1,000+ in monthly Direct Deposit to a FIGFCU Checking account; earn the standard 1.75% APY without the Direct Deposit requirement. No maintenance fees or minimum balance requirement.
Offer: With Direct Deposit ($1,000+ monthly ACH Direct Deposit or Agent Net Check into a FIGFCU Checking account).
Qualified rate · No monthly fee
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 Grand Rapids, MI metro
173 accounts at 55 banks and credit unions · checked Oct 15–22
- Typical
- 0.15%
- Top 10% from
- 2.00%
- Banks, typical
- 0.07%
- Credit unions, typical
- 0.15%
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Grand Rapids, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Meijer Credit UnionCredit union · 3 branches
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- KCCUCredit union · 1 branch