Battle Creek, Michigan (MI) Savings Rates - March 2026
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The savings rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
The best savings rates for Battle Creek, Michigan and the surrounding area include BlueOx Credit UnionBlueOx Credit Union115 Riverside Dr, Battle Creek, MI 49015A5.0 ★Texas Ratio: 8.12% Amped Savings at 5.00% APY, Horizon Bank Michigan City, INHorizon Bank Michigan City, IN7100 Tower Rd, Battle Creek, MI 49014A+5.0 ★Texas Ratio: 2.79% Business Money Market Savings at 3.65% APY, The Huntington National BankThe Huntington National Bank1295 Capital Ave Ne, Battle Creek, MI 49017A+5.0 ★Texas Ratio: 4.60% High-Yield Savings at 3.55% APY, PNC BankPNC Bank65 S 20th St, Battle Creek, MI 49015A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, and United Federal Credit UnionUnited Federal Credit Union4950 W Dickman Rd Ste 1, Battle Creek, MI 49037 7345A+5.0 ★Texas Ratio: 3.35% Health Savings Account (HSA) at 1.00% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Battle Creek, Michigan, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Battle Creek, Michigan (MI) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Battle Creek, Michigan and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in Battle Creek, Michigan & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
115 Riverside Dr, Battle Creek, MI 49015
Amped Savings
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $1,000.00
Horizon Bank Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
7100 Tower Rd, Battle Creek, MI 49014
Business Money Market Savings
3.65%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
1295 Capital Ave Ne, Battle Creek, MI 49017
High-Yield Savings
3.55%
$5,000
▼
Rate0.00%
Min Deposit$5,000
Min Balance—
UpdatedMar 27, 2026
Details
Minimum of $5,000 not currently deposited at Huntington.
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
65 S 20th St, Battle Creek, MI 49015
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
1295 Capital Ave Ne, Battle Creek, MI 49017
High-Yield Savings
2.98%
$5,000
▼
Rate0.00%
Min Deposit$5,000
Min Balance—
UpdatedMar 27, 2026
Details
Minimum of $5,000 not currently deposited at Huntington.
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
4950 W Dickman Rd Ste 1, Battle Creek, MI 49037 7345
Health Savings Account (HSA)
1.00%
$0
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Minimum opening deposit of $50.00 required.
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
4950 W Dickman Rd Ste 1, Battle Creek, MI 49037 7345
Health Savings Account (HSA)
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Minimum opening deposit of $50.00 required.
Marshall Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
1157 Michigan Ave E, Battle Creek, MI 49014 6802
IRA Shares
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
115 Riverside Dr, Battle Creek, MI 49015
IRA Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
4950 W Dickman Rd Ste 1, Battle Creek, MI 49037 7345
Health Savings Account (HSA)
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Minimum opening deposit of $50.00 required.
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3141 Capital Ave SW, Battle Creek, MI 49015
Regular IRA Savings
0.40%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Honor Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6030 B Dr N, Battle Creek, MI 49014
Health Savings (HSA)
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
4950 W Dickman Rd Ste 1, Battle Creek, MI 49037 7345
Health Savings Account (HSA)
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Minimum opening deposit of $50.00 required.
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3141 Capital Ave SW, Battle Creek, MI 49015
SMART SAVINGS
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3141 Capital Ave SW, Battle Creek, MI 49015
SMART SAVINGS
0.12%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.10%
1 Bedford Rd N, Battle Creek, MI 49037
True Savings Account (Including Eagle Earners and Independence)
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.10%
1 Bedford Rd N, Battle Creek, MI 49037
Primary Share Savings Account
0.10%
$5
▼
Rate0.10%
Min Deposit$5
Min Balance—
UpdatedMar 25, 2026
Details
Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
6081 B Dr N, Battle Creek, MI 49014 8367
Business Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Marshall Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
1157 Michigan Ave E, Battle Creek, MI 49014 6802
Health Savings Account
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
115 Riverside Dr, Battle Creek, MI 49015
Special Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
115 Riverside Dr, Battle Creek, MI 49015
Regular Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3141 Capital Ave SW, Battle Creek, MI 49015
REGULAR, SPECIAL, SENIOR, & BUSINESS SAVINGS
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3141 Capital Ave SW, Battle Creek, MI 49015
Business Savings
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
4950 W Dickman Rd Ste 1, Battle Creek, MI 49037 7345
Achiever Savings
0.10%
$25
▼
Rate0.10%
Min Deposit$25
Min Balance—
UpdatedMar 24, 2026
Details
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3141 Capital Ave SW, Battle Creek, MI 49015
SMART SAVINGS
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
GRAND TRUNK BATTLE CREEK EMP
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
1275 Raymond Rd N, Battle Creek, MI 49014
SAVINGS
0.10%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 26, 2026
Details
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3141 Capital Ave SW, Battle Creek, MI 49015
REGULAR, SPECIAL, SENIOR, & BUSINESS SAVINGS
0.07%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3141 Capital Ave SW, Battle Creek, MI 49015
Business Savings
0.07%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
GRAND TRUNK BATTLE CREEK EMP
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
1275 Raymond Rd N, Battle Creek, MI 49014
SHARE DRAFT
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
4950 W Dickman Rd Ste 1, Battle Creek, MI 49037 7345
Membership Savings
0.05%
$5
▼
Rate0.05%
Min Deposit$5
Min Balance—
UpdatedMar 24, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
4950 W Dickman Rd Ste 1, Battle Creek, MI 49037 7345
Youth Savings
0.05%
$5
▼
Rate0.05%
Min Deposit$5
Min Balance—
UpdatedMar 24, 2026
Details
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3141 Capital Ave SW, Battle Creek, MI 49015
SMART SAVINGS
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Marshall Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
1157 Michigan Ave E, Battle Creek, MI 49014 6802
Share Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
65 S 20th St, Battle Creek, MI 49015
Standard Savings
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3141 Capital Ave SW, Battle Creek, MI 49015
Business Savings
0.03%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3141 Capital Ave SW, Battle Creek, MI 49015
REGULAR, SPECIAL, SENIOR, & BUSINESS SAVINGS
0.03%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
65 S 20th St, Battle Creek, MI 49015
Standard Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Honor Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6030 B Dr N, Battle Creek, MI 49014
Christmas Savings
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Sterling Bank and Trust, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
1 Towne Sq, Southfield, MI 48076
EverBank Performance® Savings
3.90%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
New account APY3; This account is not available to open through our financial centers; it can only be opened online or by calling our client solutions team.
Highpoint Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
435 Arlington St, Middleville, MI 49333
High Yield Savings
3.75%
$0
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
DOW
Institution Rating:
A+5.0 ★
600 E Lyon Rd, Midland, MI 48640 5396
Simple High Yield Savings
3.51%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Qualifying balance up to $499,999.99
AAA Federal Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
1 Auto Club Dr, Dearborn, MI 48126
Triple Advantage Savings
3.40%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
First State Bank (MI)
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
16100 E 9 Mile Rd, Eastpointe, MI 48021
Savings and Checking
3.25%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
241 E Saginaw St, East Lansing, MI 48823
Business High-Yield Savings
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Bank of Ann Arbor
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
101 E Grand River Ave, Howell, MI 48843
Health Savings Account
3.25%
$50
▼
Rate3.21%
Min Deposit$50
Min Balance—
UpdatedMar 25, 2026
Details
Rate is variable and may change after the account is opened. Fees may reduce earnings. Rates effective as of 03/23/2026 - 03/29/2026.
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice.
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.
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.
Battle Creek, MI Savings Rate Trends
Compare local Battle Creek, MI savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Savings — MI Avg
2.945%
▲ 1.268 from last week
Michigan high-yield savings rates rose 1.268 points this week to 2.945% APY, up from 1.677% last week.
Standard Savings — MI Avg
0.663%
▲ 0.462 from last week
Michigan standard savings rates rose 0.462 points this week to 0.663% APY, up from 0.201% last week.
As of Mar 29, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Battle Creek, 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 savings 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 Battle Creek, Michigan. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in MI.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Battle Creek, Michigan
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Michigan, help your money grow faster through a higher APY.
Are savings accounts in Battle Creek, Michigan safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Michigan up to $250,000 per depositor, per institution.
How often do savings rates change in Battle Creek, Michigan?
Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Michigan rate tables daily to ensure you see the most current high-yield options.
Do I need a minimum deposit to open a savings account?
It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Battle Creek, Michigan may require $25–$100 to open an account.
What is the difference between a Savings Account and a Money Market Account?
Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.
Are online banks better than local banks in Battle Creek, Michigan?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Battle Creek, Michigan offer in-person customer service, which some customers prefer.
How do I open a savings account in Battle Creek, Michigan?
You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.
Best Savings Rates in Battle Creek, Michigan
Here are recent savings rates observed in Battle Creek, Michigan and the surrounding area:
- BlueOx Credit Union
Amped Savings — 5.00% APY - Horizon Bank Michigan City, IN
Business Money Market Savings — 3.65% APY - The Huntington National Bank
High-Yield Savings — 3.55% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY - United Federal Credit Union
Health Savings Account (HSA) — 1.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Battle Creek, Michigan. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 28, 2026
