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 Troy, MI
- Polish-American FCUMoney Market AccountMoney Market Account · $1 min · 0.10%–3.04% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Dividends are calculated on daily balance and paid monthly. Requires a $2,500 minimum balance. Deposit accounts insured up to $500,000 (NCUA + ESI).
Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,499 0.10% $2,500 – $9,999 0.50% $10,000 – $19,999Your amount 1.00% $20,000 – $49,999 1.76% $50,000 – $99,999 2.02% $100,000 and up 3.04% Rate checked
More details - 0.97%APY$97 a year on $10,000
Requirements
Product: Only available for new customers or deposits of new funds not currently held with F&M Bank. Limit 1 Direct Savings account per household. $3.00 monthly service charge waived if a $300.00 minimum balance is maintained each day during the month.
Offer: Paid on entire balance for daily balance $99,999.99 or less. $3 monthly fee waived on balances of $300 or more.
0.97% interest rate · $3 monthly fee · Effective Jun 10, 2026
Rate by balance
Rate by balance for Direct Savings Balance APY Up to $100,000Your amount 0.97% $100,000 – $250,000 1.08% $250,000 – $500,000 1.29% $500,000 and up 1.41% Rate checked
More details - 0.92%APY$92 a year on $10,000
Requirements
Product: Only available for new customers or deposits of new funds not currently held with F&M Bank. Limit 1 Direct Savings account per household. $3.00 monthly service charge waived if a $300.00 minimum balance is maintained each day during the month.
Offer: Footnote prose rate for daily balance $99,999.99 or less. $3.00 monthly service charge waived if $300.00 minimum balance maintained each day.
0.92% interest rate · $3 monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Direct Savings Balance APY Up to $100,000Your amount 0.92% $100,000 – $250,000 1.03% $250,000 – $500,000 1.24% $500,000 and up 1.36% Rate checked
More details - Michigan Schools & Government Credit UnionSilver Savings AccountSavings · $0 min · 0.10%–0.80% by balance
Credit union · 1 branch
0.60%APY$60 a year on $10,000Requirements
Product: Tiered dividend scale based on Average Daily Balance. No monthly service charge or withdrawal penalties.
Offer: Average Daily Balance Under $100.
0.10% interest rate · No monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Silver Savings Account Balance APY Up to $100 0.10% $100 – $4,999 0.35% $5,000 – $9,999 0.50% $10,000 – $19,999Your amount 0.60% $20,000 – $39,999 0.65% $40,000 and up 0.80% 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 - Credit Union ONEMoney Market AccountMoney Market Account · $1,000 min · 0.05%–0.55% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000intro rateRequirements
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: Rates are variable.
Promotional rate · 0.05% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 and up 0.05% $2,500 and up 0.10% $10,000 and upYour amount 0.25% $25,000 and up 0.35% $50,000 and up 0.50% $100,000 and up 0.55% Rate checked
More details - Michigan First Credit UnionSavings AccountSavings · $10 min · 0.15%–0.25% by balance
Credit union · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Must be 18 or older to open an account (ages 13-17 can open with a parent or guardian). Minimum opening deposit of $10 required. An account aggregate balance of $100 required after the first 3 months of membership to avoid a monthly minimum balance fee.
0.15% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Savings Account Balance APY Up to $999 0.15% $1,000 – $4,999 0.15% $5,000 – $24,999Your amount 0.20% $25,000 and up 0.25% Rate checked
More details - Michigan Schools & Government Credit UnionMoney Market Checking AccountMoney Market Checking Account · $2,500 min · 0.20%–0.40% by balance
Credit union · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: $2,500 minimum average daily balance required to earn APY. No monthly service charges or deposit fees.
Offer: $2,500 minimum average daily balance required to earn APY.
0.20% interest rate · No monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Checking Account Balance APY $2,500 – $4,999 0.20% $5,000 – $7,499 0.20% $7,500 – $9,999 0.20% $10,000 – $24,999Your amount 0.20% $25,000 and up 0.40% Rate checked
More details - Michigan Schools & Government Credit UnionRegular Savings AccountSavings · $5 min
Credit union · 1 branch
0.15%APY$15 a year on $10,000Requirements
Product: $5 minimum balance required to open account and earn advertised APY. Dividends paid quarterly. Required to become a member.
Offer: $5 Minimum Balance Required to open and earn advertised APY. Dividends paid quarterly.
0.15% interest rate · No monthly fee · Effective Oct 5, 2026
Rate checked
More details - Michigan Schools & Government Credit UnionYou-Name-It Savings AccountSavings · $0 min
Credit union · 1 branch
0.15%APY$15 a year on $10,000Requirements
Product: No minimum balance required. No monthly service charge. Dividends paid quarterly. Designed for secondary share personal savings goals.
Offer: No Minimum Balance Required. No monthly service charge. Dividends paid quarterly.
0.15% interest rate · No monthly fee · Effective Oct 5, 2026
Rate checked
More details - Alliance Catholic Credit UnionMoney Market Savings AccountMoney Market Savings Account · $0 min · 0.00%–0.30% by balance
Credit union · 1 branch
0.15%APY$15 a year on $10,000Requirements
Product: There's no minimum balance required to open it. Limit of up to six (6) electronic transfers per month. Dividends are compounded and paid monthly.
Offer: Average Daily Balance Required to Earn Dividends: $0.00 – $2,499.99. Dividend Frequency: Monthly.
0.00% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Savings Account Balance APY Up to $2,500 0.00% $2,500 – $20,000Your amount 0.15% $20,000 – $75,000 0.20% $75,000 – $100,000 0.25% $100,000 and up 0.30% 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 - 0.10%APY$10 a year on $10,000
Requirements
Product: Personal accounts only. Initial minimum opening deposit to earn higher rate is $25,000. Account must be funded within 90 days of approval date. Early closure fee may apply if closed within 180 days. $15 monthly service charge waived with at least a $10,000 average daily collected balance or with a Flagstar personal checking relationship.
Offer: Tier 1 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or if owner of a Flagstar personal checking account with balance of at least $0.01.
$15 monthly fee
Rate by balance
Rate by balance for Flagstar Performance Savings Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amountTier 2 balance rate. 0.10% $25,000 – $50,000Tier 3 balance rate. 3.20% $50,000 – $100,000Tier 4 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. 3.20% $100,000 – $500,000Tier 5 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. 3.20% $500,000 and upTier 6 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. 3.20% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Dividends are calculated on daily balance and paid quarterly. No low-balance fees. Basic savings account set up at starting point of becoming a member.
No monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Savings Account Balance APY Up to $25 0.00% $25 and upYour amount 0.10% Rate checked
More details - Michigan Schools & Government Credit UnionGold Savings AccountSavings · $0 min · 0.10%–2.15% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Tiered dividend scale based on Average Daily Balance. No monthly service charge or withdrawal penalties.
Offer: Average Daily Balance Under $50,000.
0.10% interest rate · No monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Gold Savings Account Balance APY Up to $50,000Your amount 0.10% $50,000 – $74,999 1.00% $75,000 – $99,999 1.45% $100,000 – $199,999 2.05% $200,000 and up 2.15% 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 Troy, MI
64 accounts at 21 banks and credit unions · checked Oct 6–22
- Typical
- 0.09%
- Top 10% from
- 2.11%
- Banks, typical
- 0.06%
- Credit unions, typical
- 0.15%
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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