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 Ann Arbor, MI metro
- University BankMoney Market AccountMoney Market Account · $2,500 min · 3.56%–4.08% by balance
Bank · 2 branches
4.08%APY$408 a year on $10,000Requirements
Product: Minimum deposit of $2,500 required to open. A service fee of $6.00 will be imposed each statement cycle if the average daily balance falls below $2,500 for the statement cycle. Variable interest compounded daily and credited monthly. When balance falls into a specific rate tier, entire balance earns applicable rate in effect for that tier.
Offer: Applies to balances under $5,000. Monthly fee of $6 waived if average daily balance is at least $2,500.
3.50% interest rate · Compounded daily · $6 monthly fee · Effective Jul 21, 2025
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $5,000 3.56% $5,000 and upYour amount 4.08% 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 · 10 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 - TRUE Community Credit UnionHigh-Yield Savings AccountSavings · $0 min · 0.05%–3.25% by balance
Credit union · 3 branches
3.25%APY$325 a year on $10,000Requirements
Product: Intended for personal savings purposes. One High-Yield Savings Account per SSN. Available to new and current members. Membership eligibility and account approval required. Deposits are insured up to $250,000 by NCUA, with an additional $250,000 insured by ESI for balances over NCUA limits.
Offer: Applies to balances up to $100,000. No monthly maintenance fees. No minimum balance required to open.
3.20% interest rate · No monthly fee
Rate by balance
Rate by balance for High-Yield Savings Account Balance APY Up to $100,000Your amount 3.25% Over $100,000 0.05% Rate checked
More details - People Driven Credit UnionHigh Yield Money Market AccountHigh Yield Money Market Account · $10,000 min
Credit union · 1 branch
3.25%APY$325 a year on $10,000intro rateRequirements
Product: Rates are variable and may change at any time. Only new funds transferred from external sources qualify for this promotional rate. Requires credit union membership ($5 deposit into Membership Share Savings Account) and membership eligibility (living, working, attending school, or worshiping in Michigan, or eligible family/retiree groups). Federally insured by NCUA.
Offer: New money required to qualify for this rate; only new funds transferred from external sources to the credit union qualify for this promotion.
Promotional rate · 3.20% interest rate · No monthly fee
Rate checked
More details - CommunityAmerica Credit UnionAdvantage Money MarketAdvantage Money Market · $1,000 min
Credit union · 2 branches
3.20%APY$320 a year on $10,000Requirements
Product: Variable rate. Compounded daily and credited monthly. Requires maintaining the minimum daily balance required to earn the APY.
Offer: Subject to a $10 monthly fee if balance falls below $1,000 at any time.
3.15% interest rate · Compounded daily · $10 monthly fee · Effective Oct 5, 2026
Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.02%–3.15% by balance
Bank · 10 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 - Michigan First Credit UnionSavingsPlus AccountSavings · $1 min · 0.25%–10.47% by balance
Credit union · 1 branch
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 - 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 - 1.15%APY$115 a year on $10,000intro rate
Requirements
Product: Account must have $100 or more to earn interest. Rate is variable and may change after the account is opened. Fees may reduce earnings. Rates effective as of 10/12/2026 – 10/18/2026.
Offer: Balance: $100 or more
Promotional rate · 1.15% interest rate · Effective Oct 12, 2026
Rate checked
More details - Michigan First Credit UnionMoney Market AccountMoney Market Account · $1 min · 0.00%–2.53% by balance
Credit union · 1 branch
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 - University of Michigan Credit UnionMoney Market Savings AccountMoney Market Savings Account · $2,000 min · 0.55%–1.16% by balance
Credit union · 10 branches
1.06%APY$106 a year on $10,000Requirements
Product: Variable rate account. Rate may change after account is opened. Minimum balance of $500.00 required to avoid a $5.00 monthly maintenance fee. Third-party transfers limited to six per month.
Offer: Monthly maintenance fee of $5.00 waived if minimum daily balance of $500 is maintained. Earns monthly interest on balances of $2,000 or more.
0.55% interest rate · $5 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Savings Account Balance APY $2,000 – $5,000 0.55% $5,000 – $10,000 0.75% $10,000 – $25,000Your amount 1.06% $25,000 and up 1.16% 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 - Bank of Ann ArborPersonal Money Market SavingsPersonal Money Market Savings · $500 min · 0.45%–1.65% by balance
Bank · 6 branches
0.70%APY$70 a year on $10,000Requirements
Product: Rate is variable and may change after the account is opened. Fees may reduce earnings.
0.45% interest rate · Effective Oct 12, 2026
Rate by balance
Rate by balance for Personal Money Market Savings Balance APY Up to $4,999 0.45% $5,000 – $24,999Your amount 0.70% $25,000 – $99,999 1.05% $100,000 – $499,999 1.45% $500,000 – $999,999 1.55% $1,000,000 – $2,999,999 1.65% $3,000,000 – $4,999,999 1.65% $5,000,000 and up 1.65% 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 Ann Arbor, MI metro
77 accounts at 24 banks and credit unions · checked Oct 6–22
- Typical
- 0.07%
- Top 10% from
- 2.62%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.10%
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Ann Arbor, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- CommunityAmerica Credit UnionCredit union · 2 branches
- People Driven Credit UnionCredit union · 1 branch
- Michigan Schools & Government Credit UnionCredit union · 2 branches