Grand Rapids, Michigan (MI) Savings Rates - March 2026
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Editorial Disclosure
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 Grand Rapids, Michigan and the surrounding area include Michigan State University Federal Credit UnionMichigan State University Federal Credit Union86 Monroe Center St NW, Grand Rapids, MI 49503A5.0 ★Texas Ratio: 9.68% Savings Builder - Tier 1 at 5.00% APY, Horizon Bank Michigan City, INHorizon Bank Michigan City, IN250 Pearl St Nw, Grand Rapids, MI 49503A+5.0 ★Texas Ratio: 2.79% Business Money Market Savings at 3.65% APY, Meijer Credit UnionMeijer Credit Union2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830A+5.0 ★Texas Ratio: 5.75% Health Savings Account at 3.60% APY, The Huntington National BankThe Huntington National Bank24231 Front St, Grand Rapids, OH 43522A+5.0 ★Texas Ratio: 4.60% High-Yield Savings at 3.55% APY, and PNC BankPNC Bank171 Monroe Ave Nw, Grand Rapids, MI 49503A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Grand Rapids, 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 Grand Rapids, Michigan (MI) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Grand Rapids, Michigan and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in Grand Rapids, Michigan & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
86 Monroe Center St NW, Grand Rapids, MI 49503
Savings Builder - Tier 1
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Horizon Bank Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
250 Pearl St Nw, Grand Rapids, MI 49503
Business Money Market Savings
3.65%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
86 Monroe Center St NW, Grand Rapids, MI 49503
Savings Builder - Tier 2
3.62%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
Health Savings Account
3.60%
$0
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
24231 Front St, Grand Rapids, OH 43522
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.
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
Health Savings Account
3.55%
$0
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
High Yield Savings
3.55%
$0
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
86 Monroe Center St NW, Grand Rapids, MI 49503
Business IMMA - Tier 9
3.35%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
86 Monroe Center St NW, Grand Rapids, MI 49503
Business IMMA - Tier 8
3.35%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
86 Monroe Center St NW, Grand Rapids, MI 49503
Business IMMA - Tier 7
3.35%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
86 Monroe Center St NW, Grand Rapids, MI 49503
IRA-HSA IMMA - Tier 7
3.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
86 Monroe Center St NW, Grand Rapids, MI 49503
IMMA - Tier 9
3.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
86 Monroe Center St NW, Grand Rapids, MI 49503
IMMA - Tier 8
3.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
86 Monroe Center St NW, Grand Rapids, MI 49503
IMMA - Tier 7
3.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
86 Monroe Center St NW, Grand Rapids, MI 49503
IMMA
3.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
86 Monroe Center St NW, Grand Rapids, MI 49503
IRA-HSA IMMA - Tier 8
3.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
171 Monroe Ave Nw, Grand Rapids, MI 49503
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
Business High-Yield Savings
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
86 Monroe Center St NW, Grand Rapids, MI 49503
IRA-HSA IMMA - Tier 9
3.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
86 Monroe Center St NW, Grand Rapids, MI 49503
IRA-HSA IMMA
3.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
IRA Share Account
3.00%
$0
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830
Roth IRA Share Account
3.00%
$0
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
1210 Spaulding Ave SE, Grand Rapids, MI 49546 6336
Kids Club Savings
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Qualifying balance up to $1,000
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
641 44th St SE, Grand Rapids, MI 49548 7525
Business Savings
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
24231 Front St, Grand Rapids, OH 43522
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.
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
641 44th St SE, Grand Rapids, MI 49548 7525
Business Savings
2.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Northpointe Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
3333 Deposit Dr Ne, Grand Rapids, MI 49546
Ultimate Savings
2.55%
$100
▼
Rate2.52%
Min Deposit$100
Min Balance—
UpdatedMar 28, 2026
Details
($100 min. deposit to open)
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
630 32nd St SE, Grand Rapids, MI 49548 2306
Money Market Savings (Tier 5)**
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
641 44th St SE, Grand Rapids, MI 49548 7525
Business Savings
2.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
86 Monroe Center St NW, Grand Rapids, MI 49503
Business IMMA - Tier 6
2.40%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
630 32nd St SE, Grand Rapids, MI 49548 2306
Money Market Savings (Tier 4)**
2.27%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Adventure Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
630 32nd St SE, Grand Rapids, MI 49548 2306
Money Market Savings (Tier 3)**
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
86 Monroe Center St NW, Grand Rapids, MI 49503
Business IMMA - Tier 5
2.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
86 Monroe Center St NW, Grand Rapids, MI 49503
IMMA
2.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
86 Monroe Center St NW, Grand Rapids, MI 49503
IMMA - Tier 5
2.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
86 Monroe Center St NW, Grand Rapids, MI 49503
IMMA - Tier 6
2.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Northpointe Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
3333 Deposit Dr Ne, Grand Rapids, MI 49546
Kid's Savings
1.50%
$10
▼
Rate1.49%
Min Deposit$10
Min Balance—
UpdatedMar 28, 2026
Details
($10 min. deposit to open)
Northpointe Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
3333 Deposit Dr Ne, Grand Rapids, MI 49546
Kid's Savings
1.12%
$10
▼
Rate0.34%
Min Deposit$10
Min Balance—
UpdatedMar 28, 2026
Details
($10 min. deposit to open)
Northpointe Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
3333 Deposit Dr Ne, Grand Rapids, MI 49546
Health Savings Account
0.50%
$100
▼
Rate0.50%
Min Deposit$100
Min Balance—
UpdatedMar 28, 2026
Details
($100 min. deposit to open)
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
4660 Kalamazoo Ave Se, Grand Rapids, MI 49508
Business Money Market Savings
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Northpointe Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
3333 Deposit Dr Ne, Grand Rapids, MI 49546
Ultimate Savings
0.35%
$100
▼
Rate0.34%
Min Deposit$100
Min Balance—
UpdatedMar 28, 2026
Details
($100 min. deposit to open)
Northpointe Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
3333 Deposit Dr Ne, Grand Rapids, MI 49546
IRA Money Market / IRA Liquid Savings
0.35%
$1,000
▼
Rate0.34%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
($1,000 min. deposit to open)
Northpointe Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
3333 Deposit Dr Ne, Grand Rapids, MI 49546
Ultimate Savings
0.30%
$100
▼
Rate0.30%
Min Deposit$100
Min Balance—
UpdatedMar 28, 2026
Details
($100 min. deposit to open)
Northpointe Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
3333 Deposit Dr Ne, Grand Rapids, MI 49546
IRA Money Market / IRA Liquid Savings
0.30%
$1,000
▼
Rate0.30%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
($1,000 min. deposit to open)
Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★Texas Ratio: 13.86%
670 Cascade West Pkwy Se, Grand Rapids, MI 49546
UB Cannabis Savings
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Northpointe Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
3333 Deposit Dr Ne, Grand Rapids, MI 49546
Ultimate Savings
0.25%
$100
▼
Rate0.25%
Min Deposit$100
Min Balance—
UpdatedMar 28, 2026
Details
($100 min. deposit to open)
Northpointe Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
3333 Deposit Dr Ne, Grand Rapids, MI 49546
IRA Money Market / IRA Liquid Savings
0.25%
$1,000
▼
Rate0.25%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
($1,000 min. deposit to open)
Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★Texas Ratio: 13.86%
670 Cascade West Pkwy Se, Grand Rapids, MI 49546
Universal Savings
0.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★Texas Ratio: 13.86%
670 Cascade West Pkwy Se, Grand Rapids, MI 49546
UB Cannabis Savings
0.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Union Bank Grand Rapids, MI
Institution Rating:
A5.0 ★Texas Ratio: 13.86%
670 Cascade West Pkwy Se, Grand Rapids, MI 49546
UB Business Savings
0.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Balance $1,000,000 and over
Macatawa Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
116 Ottawa Ave Nw, Grand Rapids, MI 49503
Statement Savings Advanced Special
0.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
With qualifying activities.
Northpointe Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
3333 Deposit Dr Ne, Grand Rapids, MI 49546
IRA Money Market / IRA Liquid Savings
0.20%
$1,000
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
($1,000 min. deposit to open)
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MonitorBankRates
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.
Grand Rapids, MI Savings Rate Trends
Compare local Grand Rapids, 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
2.946%
▲ 1.047 from last week
Michigan high-yield savings rates rose 1.047 points this week to 2.946% APY, up from 1.899% last week.
Standard Savings — MI Avg
0.668%
▲ 0.502 from last week
Michigan standard savings rates rose 0.502 points this week to 0.668% APY, up from 0.166% last week.
As of Mar 28, 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 Grand Rapids, 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 Grand Rapids, 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 Grand Rapids, 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 Grand Rapids, 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 Grand Rapids, 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 Grand Rapids, 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 Grand Rapids, Michigan?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Grand Rapids, Michigan offer in-person customer service, which some customers prefer.
How do I open a savings account in Grand Rapids, 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 Grand Rapids, Michigan
Here are recent savings rates observed in Grand Rapids, Michigan and the surrounding area:
- Michigan State University Federal Credit Union
Savings Builder - Tier 1 — 5.00% APY - Horizon Bank Michigan City, IN
Business Money Market Savings — 3.65% APY - Meijer Credit Union
Health Savings Account — 3.60% APY - The Huntington National Bank
High-Yield Savings — 3.55% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Grand Rapids, Michigan. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 28, 2026
