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 Sterling Heights, MI
- 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 - 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 - 3.30%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 · 4 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 - 3.25%APY$325 a year on $10,000with conditions
Requirements
Product: The minimum aggregate deposit amount for the Promontory Interfinancial Network is $250,000. Rate may change after opening.
Offer: No minimum deposit required to open an ICS account. Minimum aggregate deposit amount for Promontory Interfinancial Network is $250,000.
Qualified rate · 3.25% interest rate · Effective Oct 5, 2026
Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.02%–3.15% by balance
Bank · 4 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 - First State BankPurpose Money Market AccountPurpose Money Market Account · $1,000 min · 0.01%–4.00% by balance
Bank · 1 branch
3.00%APY$300 a year on $10,000intro rateRequirements
Product: Six debits per month included. $10 monthly service charge if the average monthly balance falls below $10,000. Excess Debit is $10 for each excess debit over 6 per month. Variable rates may change at any time.
Offer: Monthly fee waived if average monthly balance is $10,000 or more.
Promotional rate · 0.01% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Purpose Money Market Account Balance APY Up to $999 0.01% $1,000 – $4,999 2.50% $5,000 – $24,999Your amount 3.00% $25,000 and up 3.50% $50,000 and upAnniversary Money Market Special / Promotional offer. Accurate as of 10/01/2026. Limit one account per Tax ID. Minimum of $50,000 to open and earn APY required. Current customers may transfer up to $10,000 from another First State Bank account, with remaining funds new money to First State Bank. Promotional rate fixed for 90 days from account opening; automatically converts to Purpose Money Market standard rates thereafter. Account must be opened by 12/31/2026. Limit one account transfer offer per tax-reported owner. 4.00% Rate checked
More details - Michigan First Credit UnionSavingsPlus AccountSavings · $1 min · 0.25%–10.47% by balance
Credit union · 2 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 - Vibe Credit UnionMoney Market AccountMoney Market Account · $0 min · 1.86%–3.02% by balance
Credit union · 2 branches
2.11%APY$211 a year on $10,000with conditionsRequirements
Product: No minimum balance required to open, but must carry a balance to earn dividends. No monthly maintenance fees. Tiered rate structure; dividends calculated on daily balance and paid monthly. Six free electronic withdrawals per month.
Offer: Requires owning and meeting all requirements of High Yield Rewards Checking in the same membership account to receive an additional 1.50% bonus dividend rate paid on the total balance.
Qualified rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $5,000 1.86% $5,000 – $50,000Your amount 2.11% $50,000 – $100,000 2.16% $100,000 – $250,000 2.52% $250,000 – $500,000 2.77% $500,000 and up 3.02% 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 - Genisys Credit UnionMoney Market Savings AccountMoney Market Savings Account · $2,500 min · 1.31%–2.38% by balance
Credit union · 1 branch
1.51%APY$151 a year on $10,000Requirements
Product: Also referred to as a high yield savings account, or HYSA. Minimum balance of $2,500 required to earn dividends.
Offer: Minimum balance of $2,500 required to earn dividends.
1.30% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Savings Account Balance APY $2,500 – $9,999 1.31% $10,000 – $24,999Your amount 1.51% $25,000 – $49,999 1.71% $50,000 – $74,999 1.76% $75,000 – $99,999 1.97% $100,000 – $249,999 2.17% $250,000 and up 2.38% Rate checked
More details - Christian Financial Credit UnionMoney Market SavingsMoney Market Savings · $100 min · 0.05%–2.00% by balance
Credit union · 1 branch
1.25%APY$125 a year on $10,000Requirements
Product: Withdrawal or transfer up to 6 times per month without penalty. If fees are applied, it may reduce earnings.
0.05% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY $100 – $2,500 0.05% $2,500 – $10,000 1.00% $10,000 – $50,000Your amount 1.25% $50,000 – $100,000 1.50% $100,000 – $250,000 1.75% $250,000 and up 2.00% Rate checked
More details - Michigan First Credit UnionMoney Market AccountMoney Market Account · $1 min · 0.00%–2.53% by balance
Credit union · 2 branches
1.06%APY$106 a year on $10,000Requirements
Product: Members must be 18 years old to open this account. Minimum account aggregate balance of $100 required to avoid additional fee of $3/month.
Offer: Minimum balance to open account and earn advertised APY. Minimum account aggregate balance of $100 required to avoid $3/month fee.
0.00% interest rate · $3 monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,499 0.00% $2,500 – $4,999 1.06% $5,000 – $24,999Your amount 1.06% $25,000 – $99,000 1.71% $100,000 – $199,999 2.22% $200,000 – $499,999 2.53% $500,000 and up 2.53% Rate checked
More details - Lake Michigan Credit UnionMax Money MarketMax Money Market · $0 min · 1.00%–3.90% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: A member savings account with a $5 minimum balance is required to establish and maintain membership. No minimum deposit and no monthly fees. Includes check-writing access. Interest is accrued daily and paid monthly. Variable rates subject to change after account opening.
1.00% interest rate · No monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Max Money Market Balance APY Up to $2,500 1.00% $2,500 – $10,000 1.00% $10,000 – $25,000Your amount 1.00% $25,000 – $50,000 2.00% $50,000 – $100,000 2.00% $100,000 – $250,000 2.90% $250,000 – $1,000,000 3.15% $1,000,000 and up 3.90% Rate checked
More details - 1.00%APY$100 a year on $10,000with conditions
Requirements
Product: Must be linked to Kasasa Cash or Kasasa Cash Back account. Requires $1.00 lifetime membership deposit. Limit 1 account per SSN. Requires at least 1 direct deposit, ACH credit, ACH payment, or bill pay transaction, at least 12 debit card purchases, online banking log in, and e-statements per Monthly Qualification Cycle to earn higher rate tiers.
Offer: When linked Kasasa Cash or Kasasa Cash Back qualifications are not met during Monthly Qualification Cycle; applies to all balances.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Nov 3, 2025
Rate by balance
Rate by balance for Kasasa Saver Balance APY Any balance 0.05% Up to $75,000Your amountWhen linked Kasasa Cash or Kasasa Cash Back qualifications are met during Monthly Qualification Cycle. 1.00% 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 Sterling Heights, MI
65 accounts at 19 banks and credit unions · checked Oct 6–22
- Typical
- 0.10%
- Top 10% from
- 2.71%
- Banks, typical
- 0.03%
- Credit unions, typical
- 0.18%
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Detroit, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Chief Financial Credit UnionCredit union · 4 branches
- Extra Credit UnionCredit union · 2 branches
- Christian Financial Credit UnionCredit union · 12 branches