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 Shelby Township, MI
- 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 · 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 - 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 - Genisys Credit UnionMoney Market Savings AccountMoney Market Savings Account · $2,500 min · 1.31%–2.38% by balance
Credit union · 2 branches
1.51%APY$151 a year on $10,000Requirements
Product: Also referred to as a high yield savings account, or HYSA. Minimum balance of $2,500 required to earn dividends.
Offer: Minimum balance of $2,500 required to earn dividends.
1.30% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Savings Account Balance APY $2,500 – $9,999 1.31% $10,000 – $24,999Your amount 1.51% $25,000 – $49,999 1.71% $50,000 – $74,999 1.76% $75,000 – $99,999 1.97% $100,000 – $249,999 2.17% $250,000 and up 2.38% Rate checked
More details - Christian Financial Credit UnionMoney Market SavingsMoney Market Savings · $100 min · 0.05%–2.00% by balance
Credit union · 1 branch
1.25%APY$125 a year on $10,000Requirements
Product: Withdrawal or transfer up to 6 times per month without penalty. If fees are applied, it may reduce earnings.
0.05% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY $100 – $2,500 0.05% $2,500 – $10,000 1.00% $10,000 – $50,000Your amount 1.25% $50,000 – $100,000 1.50% $100,000 – $250,000 1.75% $250,000 and up 2.00% 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 - Michigan Schools & Government Credit UnionSilver Savings AccountSavings · $0 min · 0.10%–0.80% by balance
Credit union · 3 branches
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 - FreeStar Financial Credit UnionMoney Management AccountMoney Management Account · $1,000 min · 0.10%–0.70% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Limited to six electronic transactions per month (online banking, telephone banking, overdraft transfers). Funds cannot be accessed through an ATM. Dividends/interest calculated based on average daily balance and paid monthly. Money Management specials are offered for a limited time and subject to change.
Offer: Dividends compounded monthly based on 365-day period and paid monthly.
0.10% interest rate · Compounded monthly · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Management Account Balance APY $1,000 – $5,000 0.10% $5,000 – $49,999Your amount 0.25% $50,000 – $74,999 0.45% $75,000 – $99,999 0.55% $100,000 – $149,999 0.60% $150,000 and up 0.70% 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 · 3 branches
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 · 3 branches
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 · 3 branches
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
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 Shelby Township, MI
52 accounts at 17 banks and credit unions · checked Oct 6–22
- Typical
- 0.07%
- Top 10% from
- 1.48%
- Banks, typical
- 0.04%
- 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