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
- University BankMoney Market AccountMoney Market Account · $2,500 min · 3.56%–4.08% by balance
Bank · 1 branch
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 · 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 - 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 - 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 - University of Michigan Credit UnionMoney Market Savings AccountMoney Market Savings Account · $2,000 min · 0.55%–1.16% by balance
Credit union · 6 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 · 3 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 - 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 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
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
46 accounts at 16 banks and credit unions · checked Oct 5–22
- Typical
- 0.05%
- Top 10% from
- 2.45%
- Banks, typical
- 0.04%
- Credit unions, typical
- 0.13%
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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