Madison 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 Madison Heights, Michigan and the surrounding area include The Huntington National BankThe Huntington National Bank1800 E 12 Mile Rd, Madison Heights, MI 48071A+5.0 ★Texas Ratio: 4.60% High-Yield Savings at 3.55% APY, PNC BankPNC Bank28841 John R Road, Madison Heights, MI 48071A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, Michigan Schools And Government Credit UnionMichigan Schools And Government Credit Union480 W 12 Mile Rd, Madison Heights, MI 48071 2420A+5.0 ★Texas Ratio: 3.83% Gold Savings Account at 2.15% APY, InTouch Credit UnionInTouch Credit Union1005 E 13 Mile Rd, Madison Heights, MI 48071 1533A5.0 ★Texas Ratio: 10.50% HSA Checking (Health Savings Accounts) at 0.25% APY, and Community Financial Credit Union Plymouth, MICommunity Financial Credit Union Plymouth, MI500 S HARVEY ST, PLYMOUTH, MI 48170 1759A5.0 ★Texas Ratio: 8.20% High Yield Savings at 10.00% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Madison 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 Madison Heights, Michigan (MI) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Madison Heights, Michigan and the surrounding area. Last Updated and Verified: March 27, 2026
Compare the Best Savings Rates in Madison Heights, 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%
1800 E 12 Mile Rd, Madison Heights, MI 48071
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%
28841 John R Road, Madison Heights, MI 48071
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
1800 E 12 Mile Rd, Madison Heights, MI 48071
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%
480 W 12 Mile Rd, Madison Heights, MI 48071 2420
Gold Savings Account
2.15%
$0
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
480 W 12 Mile Rd, Madison Heights, MI 48071 2420
Gold Savings Account
2.05%
$0
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
480 W 12 Mile Rd, Madison Heights, MI 48071 2420
Gold Savings Account
1.45%
$0
▼
Rate1.44%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
480 W 12 Mile Rd, Madison Heights, MI 48071 2420
Gold Savings Account
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
480 W 12 Mile Rd, Madison Heights, MI 48071 2420
Silver Savings Account
0.80%
$0
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
480 W 12 Mile Rd, Madison Heights, MI 48071 2420
Silver Savings Account
0.65%
$0
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
480 W 12 Mile Rd, Madison Heights, MI 48071 2420
Silver Savings Account
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
480 W 12 Mile Rd, Madison Heights, MI 48071 2420
Silver Savings Account
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
480 W 12 Mile Rd, Madison Heights, MI 48071 2420
Silver Savings Account
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
480 W 12 Mile Rd, Madison Heights, MI 48071 2420
Health Savings Account
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
No Minimum Balance Required.
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
1005 E 13 Mile Rd, Madison Heights, MI 48071 1533
HSA Checking (Health Savings Accounts)
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
1005 E 13 Mile Rd, Madison Heights, MI 48071 1533
Holiday Club Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Qualifying balance up to $9,999.99
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
1005 E 13 Mile Rd, Madison Heights, MI 48071 1533
Health Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
480 W 12 Mile Rd, Madison Heights, MI 48071 2420
Regular Savings Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
480 W 12 Mile Rd, Madison Heights, MI 48071 2420
You-Name-It Savings Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
No Minimum Balance Required.
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
1005 E 13 Mile Rd, Madison Heights, MI 48071 1533
Business Savings Nonprofit
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
480 W 12 Mile Rd, Madison Heights, MI 48071 2420
Silver Savings Account
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
480 W 12 Mile Rd, Madison Heights, MI 48071 2420
Gold Savings Account
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
1005 E 13 Mile Rd, Madison Heights, MI 48071 1533
Regular Savings / Additional Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
1005 E 13 Mile Rd, Madison Heights, MI 48071 1533
Business Savings Regular
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
1005 E 13 Mile Rd, Madison Heights, MI 48071 1533
IRA Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
28841 John R Road, Madison Heights, MI 48071
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%
28841 John R Road, Madison Heights, MI 48071
Standard Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
InTouch Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
1005 E 13 Mile Rd, Madison Heights, MI 48071 1533
Business Savings Par Share / Required
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Community Financial Credit Union Plymouth, MI
Institution Rating:
A5.0 ★Texas Ratio: 8.20%
500 S HARVEY ST, PLYMOUTH, MI 48170 1759
High Yield Savings
10.00%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $1,000.00
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
1100 S Bagley St, Alpena, MI 49707 8104
Health Savings Account
5.12%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
High Yield Youth Savings
5.12%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Qualifying balance up to $500.00
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
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3777 West Rd, East Lansing, MI 48823 8029
Savings Builder - Tier 1
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Community West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3089 44th St SW, Grandville, MI 49418 2501
Navigator Savings
5.00%
$0
▼
Rate4.91%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
BlueOx Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
115 Riverside Dr, Battle Creek, MI 49015
Amped Savings
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $1,000.00
Ignite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
755 Grand St, Allegan, MI 49010 8027
AMPED SAVINGS
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 25, 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 15, 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
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
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.
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 27, 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.
Madison Heights, MI Savings Rate Trends
Compare local Madison 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
2.720%
▲ 0.821 from last week
Michigan high-yield savings rates rose 0.821 points this week to 2.720% APY, up from 1.899% last week.
Standard Savings — MI Avg
0.670%
▲ 0.527 from last week
Michigan standard savings rates rose 0.527 points this week to 0.670% APY, up from 0.144% last week.
As of Mar 27, 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 Madison 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 Madison 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 Madison 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 Madison 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 Madison 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 Madison 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 Madison Heights, Michigan?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Madison Heights, Michigan offer in-person customer service, which some customers prefer.
How do I open a savings account in Madison 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 Madison Heights, Michigan
Here are recent savings rates observed in Madison Heights, Michigan and the surrounding area:
- The Huntington National Bank
High-Yield Savings — 3.55% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY - Michigan Schools And Government Credit Union
Gold Savings Account — 2.15% APY - InTouch Credit Union
HSA Checking (Health Savings Accounts) — 0.25% APY - Community Financial Credit Union Plymouth, MI
High Yield Savings — 10.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Madison Heights, Michigan. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 27, 2026
