Midland, 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 Midland, Michigan and the surrounding area include Health Advantage Federal Credit UnionHealth Advantage Federal Credit Union5004 Eastman Ave, Midland, MI 48640A+5.0 ★Texas Ratio: 3.00% Emergency Savings at 5.00% APY, Horizon Bank Michigan City, INHorizon Bank Michigan City, IN5710 Eastman Ave, Midland, MI 48640A+5.0 ★Texas Ratio: 2.79% Business Money Market Savings at 3.65% APY, DOWDOW600 E Lyon Rd, Midland, MI 48640 5396A+5.0 ★ Simple High Yield Savings at 3.51% APY, PNC BankPNC Bank5200 Eastman Ave, Midland, MI 48640A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, and The Huntington National BankThe Huntington National Bank6711 N Jefferson Rd, Midland, MI 48642A+5.0 ★Texas Ratio: 4.60% High-Yield Savings at 2.98% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Midland, 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 Midland, Michigan (MI) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Midland, Michigan and the surrounding area. Last Updated and Verified: March 27, 2026
Compare the Best Savings Rates in Midland, 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%
5004 Eastman Ave, Midland, MI 48640
Emergency Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $2,500.00
Horizon Bank Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
5710 Eastman Ave, Midland, MI 48640
Business Money Market Savings
3.65%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 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
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
5200 Eastman Ave, Midland, MI 48640
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%
6711 N Jefferson Rd, Midland, MI 48642
High-Yield Savings
2.98%
$5,000
▼
Rate0.00%
Min Deposit$5,000
Min Balance—
UpdatedMar 20, 2026
Details
Minimum of $5,000 not currently deposited at Huntington.
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
401 S Saginaw Rd, Midland, MI 48640
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%
401 S Saginaw Rd, Midland, MI 48640
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%
401 S Saginaw Rd, Midland, MI 48640
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%
401 S Saginaw Rd, Midland, MI 48640
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%
401 S Saginaw Rd, Midland, MI 48640
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%
401 S Saginaw Rd, Midland, MI 48640
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%
401 S Saginaw Rd, Midland, MI 48640
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%
401 S Saginaw Rd, Midland, MI 48640
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%
401 S Saginaw Rd, Midland, MI 48640
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%
401 S Saginaw Rd, Midland, MI 48640
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%
401 S Saginaw Rd, Midland, MI 48640
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%
401 S Saginaw Rd, Midland, MI 48640
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%
401 S Saginaw Rd, Midland, MI 48640
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%
100 Joseph Dr, Midland, MI 48642
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%
100 Joseph Dr, Midland, MI 48642
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%
100 Joseph Dr, Midland, MI 48642
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%
100 Joseph Dr, Midland, MI 48642
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%
100 Joseph Dr, Midland, MI 48642
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%
100 Joseph Dr, Midland, MI 48642
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%
100 Joseph Dr, Midland, MI 48642
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%
100 Joseph Dr, Midland, MI 48642
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%
100 Joseph Dr, Midland, MI 48642
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%
100 Joseph Dr, Midland, MI 48642
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%
100 Joseph Dr, Midland, MI 48642
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%
100 Joseph Dr, Midland, MI 48642
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%
100 Joseph Dr, Midland, MI 48642
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%
100 Joseph Dr, Midland, MI 48642
High-Yield Savings
1.10%
$1,000
▼
Rate1.09%
Min Deposit$1,000
Min Balance—
UpdatedMar 22, 2026
Details
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
401 S Saginaw Rd, Midland, MI 48640
All-In Savings
1.00%
$0
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Frankenmuth Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
401 S Saginaw Rd, Midland, MI 48640
All-In Savings Business
1.00%
$0
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Isabella Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
2222 N Saginaw Rd, Midland, MI 48640
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%
2222 N Saginaw Rd, Midland, MI 48640
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%
2222 N Saginaw Rd, Midland, MI 48640
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%
2222 N Saginaw Rd, Midland, MI 48640
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%
5200 Eastman Ave, Midland, MI 48640
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%
5200 Eastman Ave, Midland, MI 48640
Standard Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 21, 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 20, 2026
Details
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.
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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.
Midland, MI Savings Rate Trends
Compare local Midland, 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 Midland, 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 Midland, 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 Midland, 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 Midland, 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 Midland, 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 Midland, 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 Midland, Michigan?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Midland, Michigan offer in-person customer service, which some customers prefer.
How do I open a savings account in Midland, 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 Midland, Michigan
Here are recent savings rates observed in Midland, Michigan and the surrounding area:
- Health Advantage Federal Credit Union
Emergency Savings — 5.00% APY - Horizon Bank Michigan City, IN
Business Money Market Savings — 3.65% APY - DOW
Simple High Yield Savings — 3.51% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY - The Huntington National Bank
High-Yield Savings — 2.98% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Midland, Michigan. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 27, 2026
