Saginaw, Michigan (MI) Savings Rates - March 2026
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Brian McKay
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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 Saginaw, Michigan and the surrounding area include Health Advantage Federal Credit UnionHealth Advantage Federal Credit Union4550 STATE ST, SAGINAW, MI 48603A+5.0 ★Texas Ratio: 3.00% Emergency Savings at 5.00% APY, The Huntington National BankThe Huntington National Bank101 N Washington Ave, Saginaw, MI 48607A+5.0 ★Texas Ratio: 4.60% High-Yield Savings at 3.55% APY, DOWDOW5420 Gratiot Rd, Saginaw, MI 48638 6056A+5.0 ★ Simple High Yield Savings at 3.51% APY, PNC BankPNC Bank2322 Tittabawassee Rd, Saginaw, MI 48604A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, and United Financial Credit UnionUnited Financial Credit Union4685 STATE ST, SAGINAW, MI 48603A+5.0 ★Texas Ratio: 3.73% Savings Account at 3.00% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Saginaw, 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 Saginaw, Michigan (MI) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Saginaw, Michigan and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in Saginaw, Michigan & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
4550 STATE ST, SAGINAW, MI 48603
Emergency Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Qualifying balance up to $2,500.00
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
101 N Washington Ave, Saginaw, MI 48607
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.
DOW
Institution Rating:
A+5.0 ★
5420 Gratiot Rd, Saginaw, MI 48638 6056
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
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
2322 Tittabawassee Rd, Saginaw, MI 48604
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
4685 STATE ST, SAGINAW, MI 48603
Savings Account
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
5430 State St, Saginaw, MI 48603
Kids Club Savings
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Qualifying balance up to $1,000
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
101 N Washington Ave, Saginaw, MI 48607
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.
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
2796 Erna Dr, Saginaw, MI 48603
Plus+ Savings Account
2.90%
$0
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
2796 Erna Dr, Saginaw, MI 48603
Business Plus+ Savings
2.90%
$0
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
2796 Erna Dr, Saginaw, MI 48603
Plus+ Savings Account
2.77%
$0
▼
Rate2.73%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
2796 Erna Dr, Saginaw, MI 48603
Business Plus+ Savings
2.77%
$0
▼
Rate2.73%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
2796 Erna Dr, Saginaw, MI 48603
Plus+ Savings Account
2.72%
$0
▼
Rate2.69%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
2796 Erna Dr, Saginaw, MI 48603
Business Plus+ Savings
2.72%
$0
▼
Rate2.69%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
2796 Erna Dr, Saginaw, MI 48603
Business Plus+ Savings
2.47%
$0
▼
Rate2.44%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
2796 Erna Dr, Saginaw, MI 48603
Plus+ Savings Account
2.47%
$0
▼
Rate2.44%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
2796 Erna Dr, Saginaw, MI 48603
Business Plus+ Savings
2.38%
$0
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
2796 Erna Dr, Saginaw, MI 48603
Plus+ Savings Account
2.38%
$0
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
2796 Erna Dr, Saginaw, MI 48603
Plus+ Savings Account
2.34%
$0
▼
Rate2.31%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
2796 Erna Dr, Saginaw, MI 48603
Business Plus+ Savings
2.34%
$0
▼
Rate2.31%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
2796 Erna Dr, Saginaw, MI 48603
Save To Win Savings Account
2.25%
$25
▼
Rate2.23%
Min Deposit$25
Min Balance—
UpdatedMar 23, 2026
Details
Liquid Savings Account; Can Add Funds At Anytime; Can Withdraw Funds At Anytime
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
6640 Bay Rd, Saginaw, MI 48604
Business High Yield Savings
2.10%
$1,000
▼
Rate2.08%
Min Deposit$1,000
Min Balance—
UpdatedMar 22, 2026
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
6640 Bay Rd, Saginaw, MI 48604
High-Yield Savings
2.10%
$1,000
▼
Rate2.08%
Min Deposit$1,000
Min Balance—
UpdatedMar 22, 2026
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
6640 Bay Rd, Saginaw, MI 48604
Business High Yield Savings
1.90%
$1,000
▼
Rate1.88%
Min Deposit$1,000
Min Balance—
UpdatedMar 22, 2026
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
6640 Bay Rd, Saginaw, MI 48604
High-Yield Savings
1.90%
$1,000
▼
Rate1.88%
Min Deposit$1,000
Min Balance—
UpdatedMar 22, 2026
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
6640 Bay Rd, Saginaw, MI 48604
Business High Yield Savings
1.65%
$1,000
▼
Rate1.64%
Min Deposit$1,000
Min Balance—
UpdatedMar 22, 2026
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
6640 Bay Rd, Saginaw, MI 48604
High-Yield Savings
1.65%
$1,000
▼
Rate1.64%
Min Deposit$1,000
Min Balance—
UpdatedMar 22, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
2686 McLeod Dr N, Saginaw, MI 48604
Health Savings Account
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Minimum Opening Balance: $0.00
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
6640 Bay Rd, Saginaw, MI 48604
Business High Yield Savings
1.50%
$1,000
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
UpdatedMar 22, 2026
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
6640 Bay Rd, Saginaw, MI 48604
High-Yield Savings
1.50%
$1,000
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
UpdatedMar 22, 2026
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
6640 Bay Rd, Saginaw, MI 48604
Business High Yield Savings
1.35%
$1,000
▼
Rate1.34%
Min Deposit$1,000
Min Balance—
UpdatedMar 22, 2026
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
6640 Bay Rd, Saginaw, MI 48604
High-Yield Savings
1.35%
$1,000
▼
Rate1.34%
Min Deposit$1,000
Min Balance—
UpdatedMar 22, 2026
Details
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
2686 McLeod Dr N, Saginaw, MI 48604
Health Savings Account
1.25%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Minimum Opening Balance: $0.00
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
6640 Bay Rd, Saginaw, MI 48604
Business High Yield Savings
1.20%
$1,000
▼
Rate1.19%
Min Deposit$1,000
Min Balance—
UpdatedMar 22, 2026
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
6640 Bay Rd, Saginaw, MI 48604
High-Yield Savings
1.20%
$1,000
▼
Rate1.19%
Min Deposit$1,000
Min Balance—
UpdatedMar 22, 2026
Details
Isabella Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
4975 Bay Rd, Saginaw, MI 48604
Health Savings Account (HSA)
0.10%
$5,000
▼
Rate0.10%
Min Deposit$5,000
Min Balance—
UpdatedMar 27, 2026
Details
Isabella Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
4975 Bay Rd, Saginaw, MI 48604
Health Savings Account (HSA)
0.05%
$1
▼
Rate0.05%
Min Deposit$1
Min Balance—
UpdatedMar 27, 2026
Details
Isabella Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
4975 Bay Rd, Saginaw, MI 48604
Kid's Club Savings
0.05%
$1
▼
Rate0.05%
Min Deposit$1
Min Balance—
UpdatedMar 27, 2026
Details
Isabella Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
4975 Bay Rd, Saginaw, MI 48604
Local Savings
0.05%
$1
▼
Rate0.05%
Min Deposit$1
Min Balance—
UpdatedMar 27, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
2322 Tittabawassee Rd, Saginaw, MI 48604
Standard Savings
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
2322 Tittabawassee Rd, Saginaw, MI 48604
Standard Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
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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.
Saginaw, MI Savings Rate Trends
Compare local Saginaw, 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 Saginaw, 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 Saginaw, 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 Saginaw, 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 Saginaw, 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 Saginaw, 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 Saginaw, 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 Saginaw, Michigan?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Saginaw, Michigan offer in-person customer service, which some customers prefer.
How do I open a savings account in Saginaw, 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 Saginaw, Michigan
Here are recent savings rates observed in Saginaw, Michigan and the surrounding area:
- Health Advantage Federal Credit Union
Emergency Savings — 5.00% APY - The Huntington National Bank
High-Yield Savings — 3.55% APY - DOW
Simple High Yield Savings — 3.51% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY - United Financial Credit Union
Savings Account — 3.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Saginaw, Michigan. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 28, 2026
