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 Muskegon, MI metro
- 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 - 3.10%APY$310 a year on $10,000with conditions
Requirements
Product: Must have an Extra Mile Checking account and meet requirements: Direct Deposit, E-statements, 1 Online Banking login, and 12 Route 31 debit or credit card transactions.
Offer: Must have an Extra Mile Checking account and meet requirements: Direct Deposit, E-statements, 1 Online Banking login, and 12 Route 31 debit or credit card transactions.
Qualified rate · Balance cap $31,000
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 - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Must be paired with either a Free Kasasa Cash Checking account or a Free Kasasa Cash Back account.
Offer: Qualifying criteria met in linked Kasasa Cash or Kasasa Cash Back account during Monthly Qualification Cycle: at least 12 debit card purchases, enrolled in eStatements, and log in to online banking at least once.
Qualified rate · 1.98% interest rate · No monthly fee
Rate checked
More details - Route 31Money Market ShareMoney Market Share · $1,000 min · 0.00%–2.20% by balance
Credit union · 2 branches
1.80%APY$180 a year on $10,000Requirements
Product: Minimum $2,500 balance required to earn dividend.
Offer: Minimum $2,500 balance required to earn dividend.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Share Balance APY $1,000 – $2,499 0.00% $2,500 – $19,999Your amount 1.80% $20,000 – $49,999 2.00% $50,000 and up 2.20% Rate checked
More details - Lake Michigan Credit UnionMax SavingsSavings · $0 min · 0.00%–3.90% by balance
Credit union · 4 branches
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 - 1.75%APY$175 a year on $10,000with conditions
Requirements
Product: Links to free Kasasa Cash or Kasasa Cash Back checking account. Limit one account per SSN.
Offer: Requires meeting monthly qualification cycle requirements in linked Kasasa Cash or Kasasa Cash Back account (at least 1 Direct Deposit or ACH credit, at least 15 debit card purchases, and eStatements enrollment).
Qualified rate · 1.74% interest rate · Balance cap $50,000 · No monthly fee · Effective Feb 1, 2023
Rate checked
More details - HarborLight Credit UnionHigh Yield Money MarketHigh Yield Money Market · $2,500 min · 0.05%–2.00% by balance
Credit union · 2 branches
1.75%APY$175 a year on $10,000Requirements
Product: Competitive dividends on balances of $2,500 or more; tiered rates where higher balances earn higher rates.
0.05% interest rate
Rate by balance
Rate by balance for High Yield Money Market Balance APY Up to $2,499 0.05% $2,500 – $24,999Your amount 1.75% $25,000 – $74,999 1.85% $75,000 – $199,999 2.00% $200,000 and up 2.00% Rate checked
More details - Port City Credit UnionAmazing SavingsSavings · $2,000 min · 1.61%–1.96% by balance
Credit union · 1 branch
1.61%APY$161 a year on $10,000Requirements
Product: Dividends paid last Quarter. Dividends are based on Credit Union earnings and cannot be stated in advance.
Offer: Dividends paid last Quarter. Dividends are based on Credit Union earnings and cannot be stated in advance.
Effective Oct 5, 2026
Rate by balance
Rate by balance for Amazing Savings Balance APY $2,000 and upYour amount 1.61% $20,000 and up 1.76% $50,000 and up 1.96% Rate checked
More details - Best Financial Credit UnionEasy Access Money MarketEasy Access Money Market · $2,500 min · 0.15%–1.75% by balance
Credit union · 1 branch
1.30%APY$130 a year on $10,000Requirements
Product: Dividends paid on all balance of $2,500 or more. Dividends calculated daily, paid monthly. $2,500 minimum deposit to open.
0.15% interest rate
Rate by balance
Rate by balance for Easy Access Money Market Balance APY $1,150 – $2,499 0.15% $2,500 – $7,500 1.20% $7,500 – $25,000Your amount 1.30% $25,000 – $50,000 1.50% $50,000 – $250,000 1.75% $250,000 and up 1.75% 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 - Lake Michigan Credit UnionMax Money MarketMax Money Market · $0 min · 1.00%–3.90% by balance
Credit union · 4 branches
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 - Service 1 Federal Credit UnionMoney Management AccountMoney Management Account · $2,000 min · 1.00%–2.00% by balance
Credit union · 3 branches
1.00%APY$100 a year on $10,000Requirements
Product: Competitive dividends on balances of $2,000 or more; no dividends earned for any day balance falls below $2,000; accrued dividends not paid if closed before dividends paid; six free automatic, in-branch, or mail withdrawals per month.
Effective Nov 13, 2025
Rate by balance
Rate by balance for Money Management Account Balance APY $2,000 – $20,000Your amount 1.00% $20,000 – $50,000 1.25% $50,000 – $100,000 1.75% $100,000 and up 2.00% Rate checked
More details - Family Financial Credit UnionHigh Yield Savings AccountSavings · $2,500 min · 0.75%–1.16% by balance
Credit union · 3 branches
1.00%APY$100 a year on $10,000Requirements
Product: Requires a minimum opening deposit of $2,500.00. Dividends will not accrue on balances below $2,500.00. Members must maintain a $5.00 par value share in the credit union. Dividends compounded and credited monthly using the daily balance method.
Offer: Tier balance $2,500 – $4,999.99.
0.75% interest rate · Effective Dec 10, 2025
Rate by balance
Rate by balance for High Yield Savings Account Balance APY $2,500 – $5,000 0.75% $5,000 – $10,000 0.85% $10,000 – $25,000Your amount 1.00% $25,000 and up 1.16% 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 Muskegon, MI metro
60 accounts at 18 banks and credit unions · checked Oct 6–22
- Typical
- 0.10%
- Top 10% from
- 1.76%
- Banks, typical
- 0.04%
- Credit unions, typical
- 0.15%
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Muskegon, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Port City Credit UnionCredit union · 1 branch
- Muskegon Federal Credit UnionCredit union · 2 branches
- Lake Michigan Credit UnionCredit union · 4 branches