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Michigan Savings Rate Trends

Orleans, Michigan (MI) Savings Rates - April 2026

The best savings rates for Orleans, Michigan and the surrounding area include Community Financial Credit Union Plymouth, MICommunity Financial Credit Union Plymouth, MIA5.0 ★Texas Ratio: 8.20% High Yield Savings at 10.00% APY, Genisys Credit UnionGenisys Credit UnionA+5.0 ★Texas Ratio: 5.03% High Yield Youth Savings at 5.12% APY, Alpena-Alcona Area Credit UnionAlpena-Alcona Area Credit UnionA+5.0 ★Texas Ratio: 3.81% Health Savings Account at 5.12% APY, Ignite Credit UnionIgnite Credit UnionA+5.0 ★Texas Ratio: 2.73% AMPED SAVINGS at 5.00% APY, and BlueOx Credit UnionBlueOx Credit UnionA5.0 ★Texas Ratio: 8.12% Amped Savings at 5.00% APY.

Orleans is a smaller community with no bank or credit union branches currently in our database. 43 institutions serving the Michigan area are available to Orleans residents, with savings rates as high as 10.00% APY from Community Financial Credit Union Plymouth, MI. Rates are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Orleans, Michigan and the surrounding area. Last Updated and Verified: April 5, 2026

Compare the Best Savings Rates in Orleans, Michigan & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Community Financial Credit Union Plymouth, MI
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
High Yield Savings
10.00%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 25, 2026
Details

Qualifying balance up to $1,000.00

Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
High Yield Youth Savings
5.12%
$0
Rate5.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Qualifying balance up to $500.00

Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
Health Savings Account
5.12%
$0
Rate5.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Ignite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
AMPED SAVINGS
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
Amped Savings
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Qualifying balance up to $1,000.00

Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Navigator Savings
5.00%
$0
Rate4.91%
Min Deposit$0
Min Balance
UpdatedApr 2, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Savings Builder - Tier 1
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Savings Builder
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Additional entry in the Your Refund, Plus Some drawing for $1,000.

Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Emergency Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Fees may reduce earnings. Rates are variable and may change after account opening. Membership is required; $5 minimum to open a membership.

Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
Navigator Savings
4.25%
$0
Rate4.18%
Min Deposit$0
Min Balance
UpdatedApr 2, 2026
Details

Valley Credit Union Salem, OR
Institution Rating:
B4.4 ★Texas Ratio: 21.74%
Ownership Shares
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMar 29, 2026
Details

Valley Credit Union Salem, OR
Institution Rating:
B4.4 ★Texas Ratio: 21.74%
Membership Shares
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMar 29, 2026
Details

Northwest Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
Share Pledge Loan
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

As Low As; Use your money on deposit as security for a great rate

Peninsula Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.50%
Peninsula Shores Share Draft
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Terms and Conditions apply.

Sterling Bank and Trust, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
EverBank Performance Savings
3.90%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 2, 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%
High Yield Savings
3.75%
$0
Rate3.70%
Min Deposit$0
Min Balance
UpdatedApr 2, 2026
Details

TRUE Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.15%
Business High Yield Savings
3.75%
$0
Rate3.68%
Min Deposit$0
Min Balance
UpdatedMar 29, 2026
Details

Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
Business High Yield Savings Account
3.75%
$0
Rate3.69%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Horizon Bank Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Business Money Market Savings
3.65%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 3, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Savings Builder - Tier 2
3.62%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Meijer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
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%
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%
High Yield Savings
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%
Health Savings Account
3.55%
$0
Rate3.49%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

DOW
Institution Rating:
A+5.0 ★
Simple High Yield Savings
3.51%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 2, 2026
Details

Qualifying balance up to $499,999.99

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Business IMMA - Tier 8
3.35%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Business IMMA - Tier 9
3.35%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Business IMMA - Tier 7
3.35%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
IMMA - Tier 7
3.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
IMMA - Tier 8
3.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
IMMA - Tier 9
3.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
IRA-HSA IMMA - Tier 7
3.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
IRA-HSA IMMA - Tier 8
3.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
IRA-HSA IMMA - Tier 9
3.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Lake Trust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.40%
Health Savings Account (HSA) Money Market
3.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
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%
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%
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.

First State Bank (MI)
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
Savings and Checking
3.25%
$0
Rate3.25%
Min Deposit$0
Min Balance
UpdatedApr 2, 2026
Details

The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
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.

Highpoint Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
High Yield Savings
2.75%
$0
Rate2.72%
Min Deposit$0
Min Balance
UpdatedApr 2, 2026
Details

Northpointe Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
Ultimate Savings
2.55%
$100
Rate2.52%
Min Deposit$100
Min Balance
UpdatedMar 28, 2026
Details

($100 min. deposit to open)

Highpoint Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
High Yield Savings
2.25%
$0
Rate2.23%
Min Deposit$0
Min Balance
UpdatedApr 2, 2026
Details

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.

Orleans, MI Savings Rate Trends

Compare local Orleans, MI savings rate quotes against the statewide average

Daily savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Michigan Savings Trends →
High-Yield Savings — MI Avg
3.187%
▲ 0.317 vs 7 days ago

Michigan high-yield savings rates rose 0.317 points over the past 7 days to 3.187% APY, up from 2.871%.

Standard Savings — MI Avg
0.821%
▲ 0.158 vs 7 days ago

Michigan standard savings rates rose 0.158 points over the past 7 days to 0.821% APY, up from 0.663%.

As of Apr 6, 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 Orleans, 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 Orleans, 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 Orleans, 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 Orleans, 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 Orleans, 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 Orleans, 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 Orleans, Michigan?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Orleans, Michigan offer in-person customer service, which some customers prefer.

How do I open a savings account in Orleans, 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 Orleans, Michigan

Here are recent savings rates observed in Orleans, Michigan and the surrounding area:
  • Community Financial Credit Union Plymouth, MI
    High Yield Savings — 10.00% APY
  • Genisys Credit Union
    High Yield Youth Savings — 5.12% APY
  • Alpena-Alcona Area Credit Union
    Health Savings Account — 5.12% APY
  • Ignite Credit Union
    AMPED SAVINGS — 5.00% APY
  • BlueOx Credit Union
    Amped Savings — 5.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Orleans, Michigan. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 5, 2026