Bay City, 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 Bay City, Michigan and the surrounding area include The Huntington National BankThe Huntington National Bank21 E Main St, Bay City, MI 48708A+5.0 ★Texas Ratio: 4.60% High-Yield Savings at 3.55% APY, PNC BankPNC Bank1111 N Euclid Ave, Bay City, MI 48706A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, United Financial Credit UnionUnited Financial Credit Union6354 Westside Saginaw Rd, Bay City, MI 48706 9394A+5.0 ★Texas Ratio: 3.73% Savings Account at 3.00% APY, Frankenmuth Credit UnionFrankenmuth Credit Union800 N Euclid Ave, Bay City, MI 48706A5.0 ★Texas Ratio: 8.43% Plus+ Savings Account at 2.90% APY, and Wildfire Credit UnionWildfire Credit Union2936 Wilder Rd, Bay City, MI 48706A+5.0 ★Texas Ratio: 3.82% High-Yield Savings at 2.10% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Bay City, 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 Bay City, Michigan (MI) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Bay City, Michigan and the surrounding area. Last Updated and Verified: March 27, 2026
Compare the Best Savings Rates in Bay City, Michigan & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
21 E Main St, Bay City, MI 48708
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%
1111 N Euclid Ave, Bay City, MI 48706
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.73%
6354 Westside Saginaw Rd, Bay City, MI 48706 9394
Savings Account
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
21 E Main St, Bay City, MI 48708
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%
800 N Euclid Ave, Bay City, MI 48706
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%
800 N Euclid Ave, Bay City, MI 48706
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%
800 N Euclid Ave, Bay City, MI 48706
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%
800 N Euclid Ave, Bay City, MI 48706
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%
800 N Euclid Ave, Bay City, MI 48706
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%
800 N Euclid Ave, Bay City, MI 48706
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%
800 N Euclid Ave, Bay City, MI 48706
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%
800 N Euclid Ave, Bay City, MI 48706
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%
800 N Euclid Ave, Bay City, MI 48706
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%
800 N Euclid Ave, Bay City, MI 48706
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%
800 N Euclid Ave, Bay City, MI 48706
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%
800 N Euclid Ave, Bay City, MI 48706
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%
800 N Euclid Ave, Bay City, MI 48706
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%
2936 Wilder Rd, Bay City, MI 48706
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%
2936 Wilder Rd, Bay City, MI 48706
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%
2936 Wilder Rd, Bay City, MI 48706
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%
2936 Wilder Rd, Bay City, MI 48706
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%
2936 Wilder Rd, Bay City, MI 48706
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%
2936 Wilder Rd, Bay City, MI 48706
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%
1479 Straits Dr, Bay City, MI 48706
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%
2936 Wilder Rd, Bay City, MI 48706
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%
2936 Wilder Rd, Bay City, MI 48706
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%
2936 Wilder Rd, Bay City, MI 48706
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%
2936 Wilder Rd, Bay City, MI 48706
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%
1479 Straits Dr, Bay City, MI 48706
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%
2936 Wilder Rd, Bay City, MI 48706
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%
2936 Wilder Rd, Bay City, MI 48706
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%
2936 Wilder Rd, Bay City, MI 48706
Business High Yield Savings
1.10%
$1,000
▼
Rate1.09%
Min Deposit$1,000
Min Balance—
UpdatedMar 22, 2026
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2936 Wilder Rd, Bay City, MI 48706
High-Yield Savings
1.10%
$1,000
▼
Rate1.09%
Min Deposit$1,000
Min Balance—
UpdatedMar 22, 2026
Details
Isabella Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
723 South Washington Avenue, Bay City, MI 48708
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%
723 South Washington Avenue, Bay City, MI 48708
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%
723 South Washington Avenue, Bay City, MI 48708
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%
723 South Washington Avenue, Bay City, MI 48708
Local Savings
0.05%
$1
▼
Rate0.05%
Min Deposit$1
Min Balance—
UpdatedMar 27, 2026
Details
Thumb Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2985 Wilder Rd, Bay City, MI 48706
Christmas/Vacation Club Savings Account
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Thumb Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2985 Wilder Rd, Bay City, MI 48706
Personal Savings Account
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
1111 N Euclid Ave, Bay City, MI 48706
Standard Savings
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
1111 N Euclid Ave, Bay City, MI 48706
Standard Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 21, 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.
Bay City, MI Savings Rate Trends
Compare local Bay City, 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 Bay City, 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 Bay City, 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 Bay City, 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 Bay City, 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 Bay City, 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 Bay City, 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 Bay City, Michigan?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Bay City, Michigan offer in-person customer service, which some customers prefer.
How do I open a savings account in Bay City, 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 Bay City, Michigan
Here are recent savings rates observed in Bay City, Michigan and the surrounding area:
- The Huntington National Bank
High-Yield Savings — 3.55% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY - United Financial Credit Union
Savings Account — 3.00% APY - Frankenmuth Credit Union
Plus+ Savings Account — 2.90% APY - Wildfire Credit Union
High-Yield Savings — 2.10% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Bay City, Michigan. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 27, 2026
