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 31–45 results in Saginaw, MI metro
- 0.35%APY$35 a year on $10,000
Requirements
Product: Our Secondary Savings Account allows you to save for a specific purpose and keep those funds separate from your Prime Savings. Eligible for Member Saver Reward. Dividends on share accounts are prospective and declared by Dow Credit Union's Board of Directors.
0.35% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Product: The Prime Savings Account (also known as a Prime Share) is your gateway to becoming a member-owner of Dow Credit Union. By opening a Prime Savings Account, your $5 deposit represents one share and your ownership in the credit union. Eligible for Member Saver Reward. Dividends on share accounts are prospective and declared by Dow Credit Union's Board of Directors.
0.35% interest rate · Effective Oct 1, 2026
Rate checked
More details - Team One Credit UnionMoney Market SavingsMoney Market Savings · $0 min · 0.15%–2.50% by balance
Credit union · 4 branches
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 - 0.25%APY$25 a year on $10,000
Requirements
Product: Primary account establishing credit union membership ($5 minimum opening deposit). $5 monthly Non-Relationship Fee applies on accounts with only Member Savings; waived if account maintains a $300 daily average balance, primary member is under 24 years of age, receives direct deposit, has VIP Status, or holds other LMCU accounts (checking, loan, or CD).
Offer: Requires $100 minimum balance to earn interest. $5 monthly fee waived with $300 daily average balance, primary member under 24, direct deposit, VIP status, or other qualifying LMCU accounts.
0.25% interest rate · $5 monthly fee · Effective Jul 20, 2026
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 - Security Credit UnionMoney Market / IDI (Insured Daily Investment) AccountMoney Market / IDI (Insured Daily Investment) Account · $2,500 min · 0.25%–0.45% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Can be opened with a minimum deposit of $2,500. Penalty-free withdrawals with no minimum dollar amounts for deposits or withdrawals. Account service fee waived for accounts with average daily balance of $250 or more, open loan/credit card, open certificate, open checking share with at least three debit card transactions/checks cleared/ACH debits in month, or primary member under age 23; product page also states no account management fees.
Offer: Account service fee waived for accounts with average daily balance of $250 or more, open loan/credit card, open certificate, open checking share with at least three debit card transactions/checks cleared/ACH debits in month, or primary member under age 23.
$4.95 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market / IDI (Insured Daily Investment) Account Balance APY $2,500 – $25,000Your amount 0.25% $25,000 – $50,000 0.30% $50,000 – $100,000 0.35% $100,000 – $150,000 0.40% $150,000 and up 0.45% 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 · 12 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 - 0.20%APY$20 a year on $10,000
Requirements
Product: Every member of CPCU maintains a Prime Share Account with a par value of $25.00. This is your share of credit union ownership and entitles you to a vote at the annual meeting. The minimum balance required to earn dividends is $50.00.
Offer: Compounded/Credited Quarterly. Minimum balance to obtain APY is $50.00.
0.20% interest rate
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Dividends are calculated by the daily balance method and credited on the last day of each quarter. Rates are variable and subject to change.
0.15% interest rate · Effective Oct 15, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Dividends are calculated by the daily balance method and credited on the last day of each quarter. Rates are variable and subject to change.
0.15% interest rate · Effective Oct 15, 2026
Rate checked
More details - Independent BankRelationship Money Market AccountRelationship Money Market Account · $0 min · 0.06%–2.17% by balance
Bank · 3 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 - 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 - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.07%–0.08% by balance
Bank · 3 branches
0.07%APY$7 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: PNC TotalRewards Platinum Tier Boost. Requires enrollment in Platinum Tier based on Average Eligible Balance of $500,000 or more.
Qualified rate · 0.07% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.07% $10,000 – $25,000Your amount 0.07% $25,000 – $50,000 0.07% $50,000 – $100,000 0.07% $100,000 – $250,000 0.08% $250,000 – $500,000 0.08% $500,000 – $1,000,000 0.08% $1,000,000 and up 0.08% Rate checked
More details - Independent BankRelationship Money Market AccountRelationship Money Market Account · $0 min · 0.01%–2.12% by balance
Bank · 3 branches
0.07%APY$7 a year on $10,000with conditionsRequirements
Offer: Without a Checking Relationship with Independent Bank
Qualified rate · 0.01% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Relationship Money Market Account Balance APY Up to $9,999 0.01% $10,000 – $24,999Your amount 0.07% $25,000 – $49,999 0.45% $50,000 – $99,999 1.06% $100,000 – $249,999 1.56% $250,000 and up 2.12% 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