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 Alpena, MI metro
- Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.06%–3.25% by balance
Bank · 1 branch
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 · 1 branch
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 - Northland Area FCUMoney Market AccountMoney Market Account · $5,000 min · 1.51%–2.78% by balance
Credit union · 1 branch
1.66%APY$166 a year on $10,000Requirements
Product: Earn a higher rate of return on your savings. $5,000.00 minimum required to open. $5 Share account required. Interest earned daily and compounded monthly. Up to 3 fee-free withdrawals per month. Dividends are not earned when the balance falls below the minimum. Rate may change after the account is opened.
Offer: Paid & Compounded Monthly. Dividends are not earned when the balance falls below the minimum.
1.50% interest rate · Compounded monthly · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $10,000 1.51% $10,000 – $50,000Your amount 1.66% $50,000 – $100,000 2.17% $100,000 and up 2.78% Rate checked
More details - Wolverine State Credit UnionMoney MarketMoney Market · $0 min · 1.51%–3.55% by balance
Credit union · 2 branches
1.51%APY$151 a year on $10,000Requirements
Product: Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal.
Offer: Fees could reduce the earnings on the account. A penalty will or may be imposed for early withdrawal.
Effective Jan 1, 2024
Rate by balance
Rate by balance for Money Market Balance APY Any balanceYour amount 1.51% $15,000 and up 1.76% $100,000 and up 2.02% $250,000 and up 2.52% $500,000 and up 3.03% $1,000,000 and up 3.55% Rate checked
More details - Nicolet National BankMVP Money Market Account (MVP MMA)MVP Money Market Account (MVP MMA) · $10,000 min · 0.01%–2.65% by balance
Bank · 2 branches
1.30%APY$130 a year on $10,000with conditionsRequirements
Product: A separate Nicolet National Bank checking account with direct deposit of payroll or social security is required in order to qualify for an MVP Money Market account. Subject to Credit Approval.
Offer: $10 monthly service charge if available balance falls below $10,000.
Qualified rate · 0.01% interest rate · $10 monthly fee · Effective Sep 23, 2026
Rate by balance
Rate by balance for MVP Money Market Account (MVP MMA) Balance APY Up to $9,999 0.01% $10,000 – $49,999Your amount 1.30% $50,000 – $149,999 2.10% $150,000 – $499,999 2.15% $500,000 – $999,999 2.45% $1,000,000 and up 2.65% Rate checked
More details - Alpena Credit UnionMoney MarketMoney Market · $2,000 min · 1.26%–1.76% by balance
Credit union · 1 branch
1.26%APY$126 a year on $10,000Requirements
Product: More than 2 withdrawals or transfers in a month, account will be subject to a per item fee of $25 as well as possible closure. Any fees incurred may reduce earnings on the account. Rate is subject to change.
Offer: Tier 1
1.25% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,000 – $20,000Your amount 1.26% $20,000 – $75,000Tier 2 1.51% Over $75,000Tier 3 1.76% Rate checked
More details - 1.16%APY$116 a year on $10,000
Requirements
Product: No minimum, no restrictions, no fees. The more you deposit, the better the rate. Must maintain minimum balance stated to earn APY.
Offer: Must maintain minimum balance stated to earn APY.
No monthly fee · Effective Jun 2, 2025
Rate by balance
Rate by balance for Preferred Shares Balance APY Up to $5,000 1.11% $5,000 – $25,000Your amount 1.16% $25,000 – $75,000 1.21% $75,000 and up 1.26% Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: $5 monthly service charge if available balance falls below $100. $100 minimum deposit to open. Minimum $100.00 to earn interest. Unlimited deposits and transfers.
Offer: $5 monthly service charge waived if available balance remains at or above $100. $100.00 minimum to earn interest. Interest is compounded quarterly and credited quarterly.
0.15% interest rate · Compounded quarterly · $5 monthly fee
Rate by balance
Rate by balance for Personal Savings Balance APY $100 – $5,000 0.15% $5,000 and upYour amount 0.20% Rate checked
More details - Nicolet National BankMoney Market Account (MMA)Money Market Account (MMA) · $1,000 min · 0.10%–0.20% by balance
Bank · 2 branches
0.20%APY$20 a year on $10,000Requirements
Offer: $10 monthly service charge if available balance falls below $1,000.
0.10% interest rate · $10 monthly fee · Effective Sep 23, 2026
Rate by balance
Rate by balance for Money Market Account (MMA) Balance APY $1,000 – $4,999 0.10% $5,000 and upYour amount 0.20% Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Open up to ten preferred shares per account. Assign unique nicknames to each preferred account. No minimum balance required.
Offer: Dividends compounded and credited quarterly.
0.20% interest rate · Effective Jul 1, 2023
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Special share account to help save for specific goals.
Effective Jan 1, 2024
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Standard savings account. Requires eligibility for membership. Minimum deposit to open savings account is $5.00.
Effective Jan 1, 2024
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: A requirement for membership. Funds earn dividends compounded and credited quarterly.
Offer: Dividends compounded and credited quarterly.
0.15% interest rate · Effective Jul 1, 2023
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Primary share account required for membership. $5 share balance required.
Offer: Dividends are paid and compounded quarterly.
0.10% interest rate · Compounded quarterly · Effective Oct 5, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Allows creation of customized savings accounts separate from regular share account. No minimum balance requirement.
Offer: Dividends are paid and compounded quarterly.
0.10% interest rate · Compounded quarterly · Effective Oct 5, 2026
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 Alpena, MI metro
30 accounts at 8 banks and credit unions · checked Oct 16–22
- Typical
- 0.10%
- Top 10% from
- 1.53%
- Banks, typical
- 0.06%
- Credit unions, typical
- 0.15%
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Alpena, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- HPC Credit UnionCredit union · 2 branches
- Alpena Alcona Area Credit UnionCredit union · 4 branches
- Wolverine State Credit UnionCredit union · 2 branches