Burt, Michigan Money Market Rates - October 2026
Brian McKay
Brian McKay
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Burt, Michigan money market account rates from banks and credit unions serving Michigan range from 2.25% to 4.50% APY, verified by MonitorBankRates as of October 14, 2026. Current Burt, Michigan and the surrounding area money market deposit account rates include EastRise Credit UnionEastRise Credit UnionA+5.0 ★Texas Ratio: 3.84%Real return: +1.70%APY minus 2.8% CPI (February 2026) Essential Money Market Account at 4.50% APY, ORSA Credit UnionORSA Credit UnionA5.0 ★Texas Ratio: 12.47%Real return: +1.40%APY minus 2.8% CPI (February 2026) Money Market Account at 4.20% APY, Community Choice Credit UnionCommunity Choice Credit UnionA+5.0 ★Texas Ratio: 5.61%Real return: +1.30%APY minus 2.8% CPI (February 2026) Business Money Market at 4.10% APY, First State Bank (MI)First State Bank (MI)A5.0 ★Texas Ratio: 6.84%Real return: +1.20%APY minus 2.8% CPI (February 2026) Business Money Market at 4.00% APY, and United Federal Credit UnionUnited Federal Credit UnionA+5.0 ★Texas Ratio: 4.11%Real return: +1.20%APY minus 2.8% CPI (February 2026) Money Market Special at 4.00% APY. Money market rates as of October 14, 2026 according to verified data from MonitorBankRates.
Burt is a smaller community with no bank or credit union branches currently in our database. 150 institutions serving the Michigan area are available to Burt residents, with money market rates as high as 4.50% APY from EastRise Credit Union. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Burt, Michigan and surrounding area. Last Updated and Verified: October 14, 2026
Compare the Best Money Market Rates Today in Burt, Michigan & the Surrounding Area
Balance: Up to $2,499.99; Tiered rate account; Limit one per person
Minimum to Earn Dividends: $5,000,000
Balance: $5,000,000.00 and above
Balance: $50,000 and over
Balance: $0 - $100,000.00; Special rate applies for first 6 months on new accounts opened on or after 10/1/2026, then converts to standard Elevate Money Market rates; Members with a money market account at United in last 12 months not eligible; Effective Date: October 01, 2026
Published APY range: 4.00% to 3.25%. Balance: $5,000.00 - $9,999.99; Tiered rate account; Limit one per person
Balance: $0 - $500.00; Dividends determined by tiered rate method
Up to 4.00% APY; Blended tiered rate account, each rate applies only to the portion of balance within each tier; higher balances earn a lower APY; One account per membership; Rates accurate as of 11/1/24
Balance: $1,000,000 +
Balance: $1,000,000 and over; Rates as of 10/13/26 and subject to change; Tiered interest accrued daily and paid monthly
Earn up to 3.75% APY with a Money Market Savings
Balance: $500,000 or more; Account Type: $500,000 or more
Balance: $1,000,000 and up
Qualifications Required: New money is defined as funds from another financial institution that were not on deposit with Everwise Credit Union as of July 1, 2026.; Balance Required to Earn Dividends: $50,000 and Greater (New Money Promotion)*; Promotional rate effective through 12/31/2026 and subject to change. After 12/31/2026 or if you do not have the minimum new money deposit of $25,000 to qualify for the promotional rate, you would be paid the standard rate.
- Oct 9, 20263.69%▲ from 3.42%
- Sep 14, 20263.42%first recorded
Balance: $500 and up
Valid Thru: 10/18/2026
Balance: $1,000,000.00 and above
Balance $1,000,000 and over
Balance: $1,000,000 and above
Rhode Island rates; requires Citizens Private Client Checking account; preferred rates require a minimum of $25,000 of new money; $0 monthly maintenance fee with Citizens Private Client Checking; includes unlimited rebates on ATM fees charged by other banks; rates apply to new accounts and are variable
Rhode Island rates; requires Citizens Quest Checking account; preferred rates require a minimum of $25,000 of new money; $0 monthly maintenance fee with Citizens Quest Checking; rates apply to new accounts and are variable
Balance: $25,000 and over
Qualifications Required; Balance: $250,000 tier; APY with Bonus Rate; Effective Date: October 01, 2026; Consumer money market accounts only
- Oct 12, 20263.50%▲ from 1.00%
- Sep 12, 20261.00%first recorded
Valid Thru: 10/18/2026
Valid Thru: 10/18/2026
Minimum to Earn Dividends: $1,000,000
Balance: $100,000.00 - $249,999.99
Balance: $500,000 and up
Qualifications Required; Balance: $0.01 and up; Bonus dividend rate 2.87% with bonus APY 3.37%; Base rate 0.50% / Base APY 0.50% without qualifications; Rates accurate as of Oct 13, 2026
Balance: $25,000.00 to $2,000,000.99; Requires open Huntington Perks Checking account; Minimum balance to earn interest is $25,000.00 and must be new money to Huntington; Rates effective as of Wednesday, October 14, 2026
Balance: $25,000.00 to $2,000,000.99; Requires open Huntington Platinum Perks Checking account; Minimum balance to earn interest is $25,000.00 and must be new money to Huntington; Rates effective as of Wednesday, October 14, 2026
Balance: $1,000,000+; Account fees may reduce the earnings on the account. $4 monthly paper statement fee waived with enrollment in e-Statements. Rates are variable and subject to change at any time without notice. APY as of December 12, 2025. APY - Annual Percentage Yield.
Balance: $100,000 - $499,999; Account Type: $100,000-$499,999
Balance: $25,000.00 and up; Minimum Balance to Earn Dividends: $10,000.00
Balance: $1,000,000.00 and up; $1,000 minimum opening balance
Balance: $500,000 and up
Qualifications Required; Balance: $100,000 tier; APY with Bonus Rate; Effective Date: October 01, 2026; Consumer money market accounts only
- Oct 12, 20263.25%▲ from 0.75%
- Sep 12, 20260.75%first recorded
Published APY range: 3.25% to 0.32%. Balance: $10,000.00 and above; Tiered rate account; Limit one per person
Balance: $200,000+
Balance: $500,000 to $999,999
Balance: $100,000.00 and up; Rate may change after account is opened
Minimum to Earn Dividends: $500,000
Balance: $250,000 to $499,999
Balance: $250,000 - $999,999.99
Balance: $250,000 - $999,999.99; Rates as of 10/13/26 and subject to change; Tiered interest accrued daily and paid monthly
Balance: $250,000-$999,999.99; Account fees may reduce the earnings on the account. $4 monthly paper statement fee waived with enrollment in e-Statements. Rates are variable and subject to change at any time without notice. APY as of December 12, 2025. APY - Annual Percentage Yield.
Balance: $100,000 +; Effective Date: Tuesday, October 13th, 2026
Balance: $1,000,000 and over; Minimum balance of $250,000 required to earn dividends
Balance: $100,000.00 and Over
Balance: $5,000 - $24,999
Balance: $1,000,000.00 and over
Balance: $1,000,000.00 +
Balance: $2500 Minimum Deposit; Only available for new money, or funds not on deposit with 1166 FCU in the last 30 days
Qualifications Required; Balance: $1,000 tier; APY with Bonus Rate; Effective Date: October 01, 2026; Consumer money market accounts only
- Oct 12, 20263.00%▲ from 0.50%
- Sep 12, 20260.50%first recorded
Balance: $150,000.00 or more
Balance: $200,000+
Balance: $200,000+
Available via the Personal Investment Portal located within Digital Banking; APY Variable; Rates as of February 4, 2026; Fees could reduce earnings
Balance: $250,000 - $999,999; Dividends are paid monthly
Balance: $500,000.00 - $599,999.99
- Oct 9, 20263.00%▲ from 2.75%
- Sep 18, 20262.75%first recorded
Balance: $500,000 and up
Balance: $1,000,000 Minimum Balance
Balance: $1,000,000.00 - $2,499,999.99
Balance: $50,0000.00 - $99,999.99; Rate may change after account is opened
Balance: $750,000.00 - $999,999.99; $1,000 minimum opening balance
Balance: $100,000-$249,999.99; Account fees may reduce the earnings on the account. $4 monthly paper statement fee waived with enrollment in e-Statements. Rates are variable and subject to change at any time without notice. APY as of December 12, 2025. APY - Annual Percentage Yield.
Published APY range: 2.70%-3.75%; Published rate range: 2.67%-3.69%. Balance: $25,000.00 - $2,000,000.99; Rates based on zip code; Huntington Relationship Money Market Account; variable rate after opening a Huntington Relationship Money Market Account when you maintain deposits of $25,000.00 - $2,000,000.99; Initial minimum opening deposit must be New Money; Balances $2,000,001.00 and above currently earn 0.25% APY; Balances below $25,000.00 do not earn interest and may be subject to a $25.00 monthly maintenance fee
Balance: $25,000.00 - $3,000,000.00
Balance: $1,000,000 & above; $25 maintenance fee if balance below $2,500 on any day in statement cycle
Balance: $500,000 and over; daily balance of $2,500 waives $10 monthly account balance maintenance fee
Balance: $500,000.00 - $999,999.99
Balance $500,000 to $999,999.99
Balance: $500,000 to $999,999.99
Balance: $1,000 - $4,999
Balance: > $500,000
- Oct 14, 20262.48%▲ from 2.38%
- Sep 9, 20262.38%first recorded
Balance: $500,000.00 - $999,999.99
Balance: $500,000.00 - $999,999.99
Balance: $10,000-99,999.99; Account fees may reduce the earnings on the account. $4 monthly paper statement fee waived with enrollment in e-Statements. Rates are variable and subject to change at any time without notice. APY as of December 12, 2025. APY - Annual Percentage Yield.
Balance: $250,000 - $499,999.99; daily balance of $2,500 waives $10 monthly account balance maintenance fee
Balance: $50,000 - $99,999.99; APY printed as Tier Low 1.04% / Tier High 1.66%
- Oct 14, 20262.25%▲ from 0.84%
- Sep 9, 20260.84%first recorded
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Burt, MI Money Market Rate Trends
Compare local Burt, MI money market quotes against the statewide average
Daily money market rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Michigan high-yield MMA rates rose 0.028 points over the past 7 days to 3.112% APY.
Michigan standard MMA rates fell 0.015 points over the past 7 days to 0.740% APY.
Burt, Michigan Money Market Rate Forecast, Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current MI high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Money market account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current MI high-yield money market average of 3.112% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield money market rates tend to adjust faster than standard branch-based accounts.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Burt, Michigan.
Money Market Account Earnings in Burt, Michigan
Annual interest earnings at current MI average APYs, based on the high-yield and standard money market averages tracked in our database. Balances reflect the higher minimums typical of money market accounts. Compounding assumed monthly.
| Balance | HY Money Market (3.112% APY) | Monthly Earnings | Standard MMA (0.740% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $311.18 / year | $25.93 | $73.97 / year | $6.16 |
| $25,000 | $777.95 / year | $64.83 | $184.93 / year | $15.41 |
| $50,000 | $1,555.90 / year | $129.66 | $369.85 / year | $30.82 |
| $100,000 | $3,111.80 / year | $259.32 | $739.70 / year | $61.64 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, rate tier, and daily balance maintained. Rates are variable and subject to change. Source: Burt, Michigan money market rate averages as of October 14, 2026. | ||||
Available in Burt, Michigan Area
About Our Burt, Michigan Money Market Rate Database
MonitorBankRates tracks money market rate offers from 53 banks and credit unions available to Burt, Michigan residents via statewide and national offers. No branch locations physically in Burt are currently in our database, but all listed offers are open to Burt depositors. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: EastRise Credit Union offers a money market account at 4.50% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Burt, Michigan.
How to Find the Best Money Market Rates in Burt, Michigan
What to compare when shopping for a money market account in Burt, Michigan
To find the best money market APYs in Burt, Michigan, start with credit unions and online-only banks: Burt, Michigan has 42 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate, and pay close attention to balance tiers. Many money market accounts only pay their advertised top rate above a minimum balance of $1,000 to $25,000, with lower rates (or monthly fees) below that threshold. The current MI high-yield money market average is 3.112% but top local institutions are offering as high as 4.50%, so shopping around pays off.
Unlike a CD, money market rates are variable. Your rate can change at any time with Federal Reserve policy. Also check check-writing and debit card limits: most MMAs allow a set number of withdrawals per month, and exceeding the limit can trigger fees. Review your account periodically to ensure your APY remains competitive.
When a Money Market Account Makes Sense
- Emergency fund with flexibility: You get savings-level yields plus limited check-writing and debit access. Burt, Michigan high-yield money market rates currently average 3.112% APY, far above a typical checking account.
- Larger balances ($10,000+): Many MMAs pay tiered rates that rise with your balance, so bigger deposits often earn more than they would in a standard savings account.
- Parking cash between investments: A high-yield money market account at Burt, Michigan institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 53 institutions in Burt, Michigan report money market rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return Burt, Michigan CD rates
- You don’t need check writing and want a lower minimum Burt, Michigan savings rates
- You need daily transaction access Burt, Michigan checking rates
Burt, Michigan Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
13.5% of residents are 65 or older, below the national average of 17.3%; an unemployment rate of 7.4% (vs. 4.8% nationally) underscores the value of keeping liquid emergency savings. At today’s MI high-yield money market average of 3.112%, saving 10% of the local median salary ($6,231/year) would earn an additional $194 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Burt, Michigan Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Burt, Michigan.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current MI Avg APY | 3.112% | View Savings Rates | 0.740%(Standard MMA) | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✓ Often yes | ✗ No | ✗ No | ✗ No |
| Debit / ATM Card | ✓ Often yes | Some institutions | ✗ Rarely | ✗ No |
| Typical Min Deposit | $0 to $2,500 | $0 to $100 | $25 to $100 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Active savers wanting flexibility + check writing | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Locking in a rate for a defined period |
APY data reflects Burt, Michigan averages tracked in our database as of October 14, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Burt, Michigan Money Market Account Calculator
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame, or click any current Burt, Michigan rate on the right to apply it instantly. Interest compounds monthly.
Assumes monthly compounding and a constant APY for the full period. Money market rates are variable and can change at any time, so actual earnings will differ. Estimates are for informational purposes only.
Money Market & Savings Calculators for Burt, Michigan
At MI’s top money market rate of 4.50% from EastRise Credit Union, a $10,000 deposit earns $450 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Burt, Michigan earner is roughly $15,600. At 3.112% APY in a money market account, saving $1,300/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountMichigan’s high-yield money market average is 3.112% APY, variable, always accessible, and often with check-writing. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Burt, Michigan earner makes $62,314/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.112% APY.
Retirement PlannerA $25,000 money market balance earning 3.112% APY grows to roughly $46,143 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Burt, Michigan money market rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for Burt, Michigan directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every money market rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Burt, Michigan. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in MI.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Money Market Accounts in Burt, Michigan
What is a Money Market Account (MMA)?
Are Money Market accounts in Burt, Michigan safe?
How often do MMA rates change in Burt, Michigan?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Burt, Michigan?
Can I lose money in a Money Market Account?
What is the difference between a Money Market Account and a Money Market Fund?
Do I have to pay taxes on money market account interest?
Are online banks better than local banks in Burt, Michigan for money market accounts?
Best Money Market Rates in Burt, Michigan
- EastRise Credit Union
Essential Money Market Account: 4.50% APY - ORSA Credit Union
Money Market Account: 4.20% APY - Community Choice Credit Union
Business Money Market: 4.10% APY - First State Bank (MI)
Business Money Market: 4.00% APY - United Federal Credit Union
Money Market Special: 4.00% APY
Burt, Michigan Rates & Resources
