Charlotte, 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 Charlotte, Michigan and the surrounding area include Michigan State University Federal Credit UnionMichigan State University Federal Credit Union180 High St, Charlotte, MI 48813 1469A5.0 ★Texas Ratio: 9.68% Savings Builder - Tier 1 at 5.00% APY, PNC BankPNC Bank101 S Cochran Ave, Charlotte, MI 48813A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, Sterling Bank and Trust, FSBSterling Bank and Trust, FSB1 Towne Sq, Southfield, MI 48076A+5.0 ★Texas Ratio: 2.04% EverBank Performance® Savings at 3.90% APY, Highpoint Community BankHighpoint Community Bank435 Arlington St, Middleville, MI 49333A+5.0 ★Texas Ratio: 0.97% High Yield Savings at 3.75% APY, and Horizon Bank Michigan City, INHorizon Bank Michigan City, IN220 S Main St, Standish, MI 48658A+5.0 ★Texas Ratio: 2.79% Business Money Market Savings at 3.65% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Charlotte, 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 Charlotte, Michigan (MI) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Charlotte, Michigan and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in Charlotte, 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%
180 High St, Charlotte, MI 48813 1469
Savings Builder - Tier 1
5.00%
$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%
180 High St, Charlotte, MI 48813 1469
Savings Builder - Tier 2
3.62%
$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%
180 High St, Charlotte, MI 48813 1469
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%
180 High St, Charlotte, MI 48813 1469
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%
180 High St, Charlotte, MI 48813 1469
Business IMMA - Tier 7
3.35%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
101 S Cochran Ave, Charlotte, MI 48813
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
180 High St, Charlotte, MI 48813 1469
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%
180 High St, Charlotte, MI 48813 1469
IRA-HSA 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%
180 High St, Charlotte, MI 48813 1469
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%
180 High St, Charlotte, MI 48813 1469
IRA-HSA 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%
180 High St, Charlotte, MI 48813 1469
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%
180 High St, Charlotte, MI 48813 1469
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%
180 High St, Charlotte, MI 48813 1469
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%
180 High St, Charlotte, MI 48813 1469
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%
180 High St, Charlotte, MI 48813 1469
Business IMMA - Tier 6
2.40%
$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%
180 High St, Charlotte, MI 48813 1469
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%
180 High St, Charlotte, MI 48813 1469
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%
180 High St, Charlotte, MI 48813 1469
IRA-HSA IMMA - Tier 6
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%
180 High St, Charlotte, MI 48813 1469
IRA-HSA 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%
180 High St, Charlotte, MI 48813 1469
IRA-HSA 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%
180 High St, Charlotte, MI 48813 1469
IMMA - Tier 6
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%
180 High St, Charlotte, MI 48813 1469
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%
180 High St, Charlotte, MI 48813 1469
IRA-HSA IMMA - Tier 4
1.35%
$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%
180 High St, Charlotte, MI 48813 1469
IRA-HSA IMMA
1.35%
$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%
180 High St, Charlotte, MI 48813 1469
IMMA - Tier 4
1.35%
$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%
180 High St, Charlotte, MI 48813 1469
IMMA
1.35%
$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%
180 High St, Charlotte, MI 48813 1469
Business IMMA - Tier 4
1.35%
$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%
180 High St, Charlotte, MI 48813 1469
IMMA - Tier 3
1.25%
$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%
180 High St, Charlotte, MI 48813 1469
IMMA
1.25%
$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%
180 High St, Charlotte, MI 48813 1469
Business IMMA - Tier 3
1.25%
$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%
180 High St, Charlotte, MI 48813 1469
IRA-HSA IMMA
1.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
101 S Cochran Ave, Charlotte, MI 48813
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%
101 S Cochran Ave, Charlotte, MI 48813
Standard Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 28, 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
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
101 S Tryon St, Charlotte, NC 28280
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 ★
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
First National Bank of America (FNBA)
Institution Rating:
A5.0 ★Texas Ratio: 13.60%
241 E Saginaw St, East Lansing, MI 48823
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%
101 E Grand River Ave, Howell, MI 48843
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%
16100 E 9 Mile Rd, Eastpointe, MI 48021
Savings and Checking
3.25%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
101 S Tryon St, Charlotte, NC 28280
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%
435 Arlington St, Middleville, MI 49333
High Yield Savings
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 27, 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)
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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.
Charlotte, MI Savings Rate Trends
Compare local Charlotte, 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 Charlotte, 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 Charlotte, 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 Charlotte, 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 Charlotte, 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 Charlotte, 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 Charlotte, 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 Charlotte, Michigan?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Charlotte, Michigan offer in-person customer service, which some customers prefer.
How do I open a savings account in Charlotte, 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 Charlotte, Michigan
Here are recent savings rates observed in Charlotte, Michigan and the surrounding area:
- Michigan State University Federal Credit Union
Savings Builder - Tier 1 — 5.00% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY - Sterling Bank and Trust, FSB
EverBank Performance® Savings — 3.90% APY - Highpoint Community Bank
High Yield Savings — 3.75% APY - Horizon Bank Michigan City, IN
Business Money Market Savings — 3.65% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Charlotte, Michigan. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 28, 2026
