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 Bay City, MI
- 4.00%APY$400 a year on $10,000with conditions
Requirements
Product: Qualifying rates require at least 20 debit card purchase transactions to post to a linked MyLife Checking account during the statement cycle and enrollment in e-statements. Only one MyLife Savings account per Social Security number. Balances up to $100,000 earn the qualifying rate; balances above $100,000 earn 0.02% resulting in a blended APY range of 0.02% to 4.00%. If qualifications are not met, the non-qualifying rate of 0.02% APY applies to the entire balance. Optional debit card purchase roundup transfers change to this account daily.
Offer: Non-qualifying rate when monthly qualifications are not met.
Qualified rate · 0.02% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for MyLife Savings Balance APY Any balance 0.02% Up to $100,000Your amountQualifying rate: requires at least 20 debit card purchases posting per cycle and e-statements. 4.00% Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.06%–3.25% by balance
Bank · 3 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 · 3 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 $10,000intro 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 - Jolt Credit UnionKasasa Saver AccountSavings · $0 min · 0.77%–1.50% by balance
Credit union · 1 branch
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 - Lake Huron Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.50%–1.51% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $20,000Your amount 0.50% $20,000 – $50,000 0.75% $50,000 – $75,000 1.01% $75,000 – $150,000 1.36% $150,000 and up 1.51% Rate checked
More details - Team One Credit UnionMoney Market SavingsMoney Market Savings · $0 min · 0.15%–2.50% by balance
Credit union · 1 branch
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 - Jolt Credit UnionMoney MarketMoney Market · $1,000 min · 0.20%–0.25% by balance
Credit union · 1 branch
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 - Independent BankRelationship Money Market AccountRelationship Money Market Account · $0 min · 0.06%–2.17% by balance
Bank · 1 branch
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 - FinancialEdge Credit UnionHigh Yield 2.5Savings · $0 min · 0.00%–0.15% by balance
Credit union · 2 branches
0.12%APY$12 a year on $10,000Requirements
Product: Tiered earnings structure. Maximum of 6 withdrawals per month. No penalty for early withdrawal. Minimum opening balance and minimum balance for dividend is $2,500. Compounded and credited monthly.
0.00% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for High Yield 2.5 Balance APY Up to $2,500 0.00% $2,500 – $10,000 0.10% $10,000 – $25,000Your amount 0.12% $25,000 and up 0.15% Rate checked
More details - FinancialEdge Credit UnionHigh Yield 2.5High Yield 2.5 · $0 min · 0.00%–0.15% by balance
Credit union · 2 branches
0.12%APY$12 a year on $10,0000.00% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for High Yield 2.5 Balance APY Up to $2,500 0.00% $2,500 – $10,000 0.10% $10,000 – $25,000Your amount 0.12% $25,000 and up 0.15% Rate checked
More details - United Bay Community Credit UnionMoney Manager AccountSavings · 0.02%–1.21% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Tiered-rate structure based on average daily balance.
Offer: Dividends are compounded daily and paid monthly. Balance tier: less than $1,000.
0.02% interest rate · Compounded daily · Effective Oct 15, 2026
Rate by balance
Rate by balance for Money Manager Account Balance APY Up to $1,000 0.02% $1,000 – $9,999 0.05% $10,000 – $24,999Your amount 0.10% $25,000 – $49,999 0.25% $50,000 – $99,999 0.35% $100,000 – $249,999 0.60% $250,000 and up 1.21% Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.07%–0.08% by balance
Bank · 1 branch
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 · 1 branch
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 - 0.07%APY$7 a year on $10,000
Requirements
Product: Maintain a $500 minimum daily balance, combined account statements, or eStatements to avoid a $12 quarterly service fee. Interest is calculated on a daily balance method and compounded/paid quarterly. Minimum balance to earn interest is $0.01.
0.01% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Eagle Savings Balance APY Up to $9,999 0.01% $10,000 – $24,999Your amount 0.07% $25,000 – $49,999 0.10% $50,000 – $99,999 0.15% $100,000 – $249,999 0.30% $250,000 and up 0.60% 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 Bay City, MI
40 accounts at 9 banks and credit unions · checked Oct 16–22
- Typical
- 0.05%
- Top 10% from
- 1.55%
- Banks, typical
- 0.06%
- Credit unions, typical
- 0.05%
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Bay City, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- United Financial Credit UnionCredit union · 3 branches
- Lake Huron Credit UnionCredit union · 1 branch
- Sunrise Family Credit UnionCredit union · 2 branches