Best Money Market Rates in Bay City, Michigan - June 2026

Daily account balances $50,000 - $99,999

Daily account balances $25,000 - $49,999

Daily account balances $15,000-$24,999

Money Market No checks offered-Not a demand account. Term limitations open-no end date. online transactions are not allowed. $2,000 minimum balance to open and maintain. $100 minimum deposit. $500 minimum withdrawal. Three (3) withdrawals per month at no charge. Additional withdrawals $25 each in excess of three (3) per month. Dividend calculation Daily balance. Dividend payment monthly to account. If the balance falls below the minimum balance, the account is closed.

Daily account balances $1,500-$14,999

Daily account balances <$1,500

Qualifying balance up to $2,499.99

The special rate of up to 4.00% APY is available only on new Money Market Special accounts opened on or after 5/1/2026 and applies for the first 6 months following account opening. After 6 months, the account will automatically convert to a standard Elevate Money Market account and earn standard Elevate Money Market rates thereafter. A minimum opening balance of $15,000 is required. Members who currently have, or previously had in the last 12 months, any opened money market account at United are not eligible for this offer. Fees may reduce earnings. Rates may change after account is opened.

$1,000,000 +

Qualifying balance up to $1,000.00

Qualifying balance up to $1,000.00

Qualifications Required: the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account or a Free Checking account maintained with an average monthly balance of at least $1.00; a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on such Ultra Checking account or Free Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported Owner is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; one direct deposit or electronic auto payment (ACH) from your Ultra Checking account or Free Checking account that is posted by 11:59 PM ET on the second to last calendar day of the dividend period; active enrollment in e-statements; Bonus rate

With a minimum of $25k new money

With a minimum of $25k new money

Qualifications Required: the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account or a Free Checking account maintained with an average monthly balance of at least $1.00; a combined total of at least 20 cleared signature (swipe and sign) credit transactions/non-PIN based debit card transactions on such Ultra Checking account or Free Checking account and cleared credit transactions on a U Boost, U First, or U Rewards credit card account for which the Tax Reported Owner is a cardholder are posted by 11:59 PM ET on the second to last calendar day of the dividend period; one direct deposit or electronic auto payment (ACH) from your Ultra Checking account or Free Checking account that is posted by 11:59 PM ET on the second to last calendar day of the dividend period; active enrollment in e-statements; Bonus rate

Earn a competitive rate when you open a Market Monitor account with a minimum $20,000 in new money.