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 Saginaw, MI metro
- Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.06%–3.25% by balance
Bank · 7 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 · 7 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 - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Must link with a Kasasa checking account (Kasasa Cash, Kasasa Cash Back, Kasasa Eats, or Kasasa Play). Monthly qualification cycle requires at least 15 debit card purchases of $5 or more and enrollment in e-statements. ACH payment/deposit required except for Kasasa Eats and Kasasa Play. Limit 1 account per SSN.
Offer: Qualifying rate on balances up to $50,000 when monthly qualifications are met in linked Kasasa checking account.
Qualified rate · 2.96% interest rate · Balance cap $50,000 · No monthly fee · Effective Oct 5, 2026
Rate checked
More details - United Financial Credit UnionMMA for Guided InvestmentsMMA for Guided Investments · $0 min
Credit union · 6 branches
3.00%APY$300 a year on $10,000Requirements
Product: Available via the personal Investment Portal located within Digital Banking. Dividends compounded daily and credited monthly. Average daily balance method. Dividend rate and APY may change at any time as determined by the Board of Directors. Minimum balance to earn APY listed as N/A.
Offer: Dividend rate 2.96% and APY 3.00%. Opening minimum $0. Dividends compounded daily and credited monthly.
2.96% interest rate · Compounded daily · Effective Aug 19, 2026
Rate checked
More details - Dow Credit UnionSimple High Yield DepositSavings · $0 min · 2.42%–3.75% by balance
Credit union · 1 branch
2.42%APY$242 a year on $10,000Requirements
Product: The Simple High Yield Deposit savings account is an alternative high yield savings account that allows you to earn more interest the more you save. It offers a higher yield that automatically adjusts as your balance changes, however, it is not eligible for the potential year-end Member Saver Reward.
2.40% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Simple High Yield Deposit Balance APY Up to $50,000Your amount 2.42% $50,000 – $100,000 3.14% $100,000 – $150,000 3.40% $150,000 and up 3.75% Rate checked
More details - Frankenmuth Credit UnionPlus SavingsSavings · $500 min · 2.34%–2.90% by balance
Credit union · 12 branches
2.38%APY$238 a year on $10,000Requirements
Product: Must maintain a daily minimum balance of $500 to earn dividends and obtain disclosed APY. No monthly service fee. May not be used in the overdraft table.
Offer: Tier $500 - $9,999.
2.31% interest rate · No monthly fee · Effective Sep 18, 2026
Rate by balance
Rate by balance for Plus Savings Balance APY $500 – $9,999 2.34% $10,000 – $24,999Your amount 2.38% $25,000 – $99,999 2.47% $100,000 – $499,999 2.72% $500,000 – $999,999 2.77% $1,000,000 and up 2.90% Rate checked
More details - 2.25%APY$225 a year on $10,000
Requirements
Product: Liquid Savings Account. Can add funds at anytime and withdraw funds at anytime.
Offer: Requires $25 to open.
2.23% interest rate · Effective Oct 5, 2026
Rate checked
More details - Dow Credit UnionPremium High Yield DepositSavings · $0 min · 2.02%–3.12% by balance
Credit union · 1 branch
2.02%APY$202 a year on $10,000Requirements
Product: At Dow Credit Union, we believe the more money you save, the more interest you should earn. Our Premium High Yield Account allows you to earn a highly competitive yield that automatically adjusts as your balance changes. Eligible for Member Saver Reward.
2.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Premium High Yield Deposit Balance APY Up to $50,000Your amount 2.02% $50,000 – $100,000 2.61% $100,000 – $150,000 2.83% $150,000 and up 3.12% Rate checked
More details - 2.00%APY$200 a year on $10,000intro rate
Requirements
Product: No monthly maintenance fees and no minimum deposit to open.
Offer: Must be New Money and deposited into the High Yield Savings Account. \u201cNew Money\u201d is defined as money not on deposit with Credit Union 1 within the last 12 months and transferred in from a different financial institution (no Credit Union 1 to Credit Union 1 balance transfers allowed at any time). Money removed from Credit Union 1, then redeposited within a 12-month period from the withdrawal, will not be eligible for the High Yield Savings Account Rate. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends ($1) and compounded monthly.
Promotional rate · 1.98% interest rate · Compounded monthly · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - Lake Michigan Credit UnionMax SavingsSavings · $0 min · 0.00%–3.90% by balance
Credit union · 1 branch
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 - 1.51%APY$151 a year on $10,000with conditions
Requirements
Product: Requires an accompanying Kasasa Checking (Kasasa Cash, Kasasa Cash Classic, or Kasasa Cash Back). Limit one Kasasa Saver per individual taxpayer identification number. $0.00 minimum to open or earn dividends. No recurring monthly service charges. Dividends compounded and credited monthly. Rates and rewards are variable.
Offer: Qualifying Monthly Qualification Cycle via linked Kasasa Checking: at least 15 debit or credit card transactions of $5.00+ that post and settle; eStatements; at least 1 ACH automatic payment or direct deposit. ATM and sub-$5 card activity do not count.
Qualified rate · 1.50% interest rate · No monthly fee
Rate checked
More details - Jolt Credit UnionKasasa Saver AccountSavings · $0 min · 0.77%–1.50% by balance
Credit union · 2 branches
1.50%APY$150 a year on $10,000with conditionsRequirements
Product: Links to Kasasa Cash or Kasasa Cash Back checking account. No minimum balance or monthly fees. To earn qualification rates, must meet checking qualifications per monthly qualification cycle: at least 12 debit card purchases, at least 1 direct deposit or automatic payment (ACH), and enrolled in eStatements. Tiers are split/tiered.
Offer: If qualifications are met. Only the funds that comprise each tier will earn the rate for that tier.
Qualified rate · 1.48% interest rate · No monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Kasasa Saver Account Balance APY Up to $50,000Your amount 1.50% $50,000 and upIf qualifications are met; 0.77% Rate checked
More details - Frankenmuth Credit UnionMega Money MarketMega Money Market · $10,000 min · 1.35%–2.85% by balance
Credit union · 12 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 - Consumers Professional Credit UnionMoney Management AccountsMoney Management Accounts · $2,500 min · 1.01%–1.36% by balance
Credit union · 1 branch
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
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 Saginaw, MI metro
87 accounts at 22 banks and credit unions · checked Oct 6–22
- Typical
- 0.07%
- Top 10% from
- 2.01%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.25%
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Saginaw, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Dow Credit UnionCredit union · 1 branch
- United Financial Credit UnionCredit union · 6 branches
- Lake Huron Credit UnionCredit union · 2 branches