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 Grand Rapids, MI metro
- First National Bank of AmericaStandard High Yield SavingsSavings · $1,000 min · 2.50%–3.51% by balance
Bank · 1 branch
2.50%APY$250 a year on $10,000Requirements
Product: Tiered, variable-rate account with a minimum opening deposit of $1,000. The APY for the applicable tier applies to the entire account balance. $10 monthly service fee assessed if a minimum balance of $1,000 is not maintained.
Offer: Balances up to $50,000 earn 2.50% APY. The APY for the applicable tier applies to the entire account balance. $10 monthly service fee assessed if minimum balance of $1,000 is not maintained.
$10 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Standard High Yield Savings Balance APY Up to $50,000Your amount 2.50% $50,000 – $250,000Entire balance earns tier rate. $10 monthly service fee if minimum balance of $1,000 is not maintained. 3.00% Over $250,000$10 monthly service fee if minimum balance of $1,000 is not maintained. 3.51% Rate checked
More details - Michigan First Credit UnionSavingsPlus AccountSavings · $1 min · 0.25%–10.47% by balance
Credit union · 6 branches
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 - 2.00%APY$200 a year on $10,000
Requirements
Product: Every $25 deposited gives a chance to win cash prizes.
Effective Oct 15, 2026
Rate checked
More details - 2.00%APY$200 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: Base rate on balances up to $50,000 if monthly FreePlus Checking requirements are not met.
Qualified rate · Balance cap $50,000 · Effective Jun 10, 2026
Rate checked
More details - Community First Federal Credit UnionKasasa Saver w/CBSavings · $0 min · 0.05%–2.00% by balance
Credit union · 3 branches
2.00%APY$200 a year on $10,000with conditionsRequirements
Product: Linked to Kasasa Cash Back checking account.
Offer: Base rate if qualifications are not met.
Qualified rate · Effective Oct 1, 2025
Rate by balance
Rate by balance for Kasasa Saver w/CB Balance APY Any balance 0.05% Up to $100,000Your amount 2.00% Over $100,000 0.50% Rate checked
More details - Community First Federal Credit UnionKasasa Saver w/CashSavings · $0 min · 0.05%–2.00% by balance
Credit union · 3 branches
2.00%APY$200 a year on $10,000with conditionsRequirements
Product: Linked to Kasasa Cash checking account.
Offer: Base rate if qualifications are not met.
Qualified rate · Effective Oct 1, 2025
Rate by balance
Rate by balance for Kasasa Saver w/Cash Balance APY Any balance 0.05% Up to $100,000Your amount 2.00% Over $100,000 0.50% Rate checked
More details - North Central Area Credit UnionMoney MarketMoney Market · $2,499 min · 0.00%–2.85% by balance
Credit union · 1 branch
1.90%APY$190 a year on $10,000Requirements
Product: Up to 3 free withdrawals or transfers per statement period/month. Must maintain a minimum balance of $1,000 at all times to avoid a $5.00 monthly fee. Rates not available to businesses.
Offer: $5.00 monthly fee if balance falls below $1,000 at any point during the month.
$5 monthly fee · Effective Oct 1, 2024
Rate by balance
Rate by balance for Money Market Balance APY $2,499 and up 0.00% $2,500 and upYour amount 1.90% $25,000 and up 2.15% $50,000 and up 2.40% $100,000 and up 2.60% $250,000 and up 2.85% Rate checked
More details - 1.75%APY$175 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: Standard rate without direct deposit requirement.
Qualified rate · No monthly fee
Rate checked
More details - 1.75%APY$175 a year on $10,000with conditions
Requirements
Product: Links to free Kasasa Cash or Kasasa Cash Back checking account.
Qualified rate · Effective Oct 15, 2026
Rate checked
More details - Lake Michigan Credit UnionMax SavingsSavings · $0 min · 0.00%–3.90% by balance
Credit union · 32 branches
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 - 1.75%APY$175 a year on $10,000with conditions
Requirements
Product: Links to free Kasasa Cash or Kasasa Cash Back checking account. Limit one account per SSN.
Offer: Requires meeting monthly qualification cycle requirements in linked Kasasa Cash or Kasasa Cash Back account (at least 1 Direct Deposit or ACH credit, at least 15 debit card purchases, and eStatements enrollment).
Qualified rate · 1.74% interest rate · Balance cap $50,000 · No monthly fee · Effective Feb 1, 2023
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 · 1 branch
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 - Michigan One Community Credit UnionMoney Market ManagerMoney Market Manager · $1,000 min · 1.25%–2.85% by balance
Credit union · 4 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 · 1 branch
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 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
- North Central Area Credit UnionCredit union · 1 branch
- KCCUCredit union · 1 branch