Sterling Heights, 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 Sterling Heights, Michigan and the surrounding area include Genisys Credit UnionGenisys Credit Union35790 Van Dyke Ave, Sterling Heights, MI 48312A+5.0 ★Texas Ratio: 5.03% High Yield Youth Savings at 5.12% APY, BlueOx Credit UnionBlueOx Credit Union39900 Van Dyke Ave, Sterling Heights, MI 48313A5.0 ★Texas Ratio: 8.12% Amped Savings at 5.00% APY, The Huntington National BankThe Huntington National Bank44500 Van Dyke Ave, Sterling Heights, MI 48314A+5.0 ★Texas Ratio: 4.60% High-Yield Savings at 3.55% APY, First State Bank (MI)First State Bank (MI)2032 19 Mile Rd, Sterling Heights, MI 48314A+5.0 ★Texas Ratio: 1.41% Savings and Checking at 3.25% APY, and PNC BankPNC Bank44698 Mound Rd, Sterling Heights, MI 48314A5.0 ★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 Sterling Heights, 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 Sterling Heights, Michigan (MI) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Sterling Heights, Michigan and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in Sterling Heights, Michigan & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
35790 Van Dyke Ave, Sterling Heights, MI 48312
High Yield Youth Savings
5.12%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Qualifying balance up to $500.00
BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
39900 Van Dyke Ave, Sterling Heights, MI 48313
Amped Savings
5.00%
$0
▼
Rate4.89%
Min Deposit$0
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%
35790 Van Dyke Ave, Sterling Heights, MI 48312
Business High Yield Savings Account
3.75%
$0
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
44500 Van Dyke Ave, Sterling Heights, MI 48314
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.
First State Bank (MI)
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
2032 19 Mile Rd, Sterling Heights, MI 48314
Savings and Checking
3.25%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
44698 Mound Rd, Sterling Heights, MI 48314
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Vibe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
33950 Van Dyke Ave, Sterling Heights, MI 48312 4641
Youth High Yield Savings Accounts
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Balances $0-$2,499.99
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
35790 Van Dyke Ave, Sterling Heights, MI 48312
Business High Yield Savings Account
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
35653 Dodge Park Rd, Sterling Heights, MI 48312
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%
44500 Van Dyke Ave, Sterling Heights, MI 48314
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.
Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
2356 Metropolitan Pkwy, Sterling Heights, MI 48310 4209
Gold Savings Account
2.15%
$0
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$200,000 and higher
Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
2356 Metropolitan Pkwy, Sterling Heights, MI 48310 4209
Gold Savings Account
2.05%
$0
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$100,000 - $199,999
Vibe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
33950 Van Dyke Ave, Sterling Heights, MI 48312 4641
High-Yield Savings
2.02%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Vibe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
33950 Van Dyke Ave, Sterling Heights, MI 48312 4641
High Yield Savings Accounts
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Vibe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
33950 Van Dyke Ave, Sterling Heights, MI 48312 4641
High Yield Savings Account
2.02%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Vibe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
33950 Van Dyke Ave, Sterling Heights, MI 48312 4641
Business High Yield Savings Accounts
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
2356 Metropolitan Pkwy, Sterling Heights, MI 48310 4209
Gold Savings Account
1.45%
$0
▼
Rate1.44%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$75,000 - $99,999
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
35653 Dodge Park Rd, Sterling Heights, MI 48312
Health Savings Account
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
2356 Metropolitan Pkwy, Sterling Heights, MI 48310 4209
Gold Savings Account
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$50,000 - $74,999
Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
2356 Metropolitan Pkwy, Sterling Heights, MI 48310 4209
Silver Savings Account
0.80%
$0
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Vibe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
33950 Van Dyke Ave, Sterling Heights, MI 48312 4641
Business High Yield Savings Accounts
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Vibe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
33950 Van Dyke Ave, Sterling Heights, MI 48312 4641
High Yield Savings Accounts
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Vibe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
33950 Van Dyke Ave, Sterling Heights, MI 48312 4641
Business MMA
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
2356 Metropolitan Pkwy, Sterling Heights, MI 48310 4209
Silver Savings Account
0.65%
$0
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Vibe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
33950 Van Dyke Ave, Sterling Heights, MI 48312 4641
FU$E MMA
0.65%
$0
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Vibe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
33950 Van Dyke Ave, Sterling Heights, MI 48312 4641
Business MMA
0.65%
$0
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Vibe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
33950 Van Dyke Ave, Sterling Heights, MI 48312 4641
Business MMA
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
2356 Metropolitan Pkwy, Sterling Heights, MI 48310 4209
Silver Savings Account
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Vibe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
33950 Van Dyke Ave, Sterling Heights, MI 48312 4641
Business MMA
0.55%
$0
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Vibe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
33950 Van Dyke Ave, Sterling Heights, MI 48312 4641
FU$E MMA
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
2356 Metropolitan Pkwy, Sterling Heights, MI 48310 4209
Silver Savings Account
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
39900 Van Dyke Ave, Sterling Heights, MI 48313
IRA Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
35790 Van Dyke Ave, Sterling Heights, MI 48312
Health Savings Accounts (HSA)
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Vibe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
33950 Van Dyke Ave, Sterling Heights, MI 48312 4641
FU$E MMA
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
First State Bank (MI)
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
2032 19 Mile Rd, Sterling Heights, MI 48314
Holiday Savings Club
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
First State Bank (MI)
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
2032 19 Mile Rd, Sterling Heights, MI 48314
Health Savings Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
44698 Mound Rd, Sterling Heights, MI 48314
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%
44698 Mound Rd, Sterling Heights, MI 48314
Standard Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First State Bank (MI)
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
2032 19 Mile Rd, Sterling Heights, MI 48314
Business Savings
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
First State Bank (MI)
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
2032 19 Mile Rd, Sterling Heights, MI 48314
Holiday Savings Club
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
First State Bank (MI)
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
2032 19 Mile Rd, Sterling Heights, MI 48314
Minor Savings
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
First State Bank (MI)
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
2032 19 Mile Rd, Sterling Heights, MI 48314
Statement Savings
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 26, 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
Horizon Bank Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
220 S Main St, Standish, MI 48658
Business Money Market Savings
3.65%
$0
▼
Rate0.00%
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
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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.
Sterling Heights, MI Savings Rate Trends
Compare local Sterling Heights, 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 Sterling Heights, 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 Sterling Heights, 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 Sterling Heights, 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 Sterling Heights, 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 Sterling Heights, 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 Sterling Heights, 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 Sterling Heights, Michigan?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Sterling Heights, Michigan offer in-person customer service, which some customers prefer.
How do I open a savings account in Sterling Heights, 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 Sterling Heights, Michigan
Here are recent savings rates observed in Sterling Heights, Michigan and the surrounding area:
- Genisys Credit Union
High Yield Youth Savings — 5.12% APY - BlueOx Credit Union
Amped Savings — 5.00% APY - The Huntington National Bank
High-Yield Savings — 3.55% APY - First State Bank (MI)
Savings and Checking — 3.25% 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 Sterling Heights, Michigan. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 28, 2026
Sterling Heights, Michigan Rates & Resources
