Muskegon, Michigan (MI) Savings Rates - March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
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 Muskegon, Michigan and the surrounding area include The Huntington National BankThe Huntington National Bank1 W Webster Ave, Muskegon, MI 49440A+5.0 ★Texas Ratio: 4.60% High-Yield Savings at 3.55% APY, PNC BankPNC Bank1453 E Laketon Ave, Muskegon, MI 49442A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, LMCU Lake Michigan Credit UnionLMCU Lake Michigan Credit Union1619 E Mount Garfield Rd, Muskegon, MI 49444 7763A+5.0 ★Texas Ratio: 2.47% Kids Club Savings at 3.00% APY, PORT CITYPORT CITY460 W Laketon Ave, Muskegon, MI 49441 2632A+5.0 ★Texas Ratio: 1.70% Amazing Savings at 1.96% APY, and Route 31 Federal Credit UnionRoute 31 Federal Credit Union715 Terrace St, Muskegon, MI 49440A+5.0 ★Texas Ratio: 2.54% IRA Share at 1.00% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Muskegon, 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 Muskegon, Michigan (MI) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Muskegon, Michigan and the surrounding area. Last Updated and Verified: March 27, 2026
Compare the Best Savings Rates in Muskegon, 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%
1 W Webster Ave, Muskegon, MI 49440
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%
1453 E Laketon Ave, Muskegon, MI 49442
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
1619 E Mount Garfield Rd, Muskegon, MI 49444 7763
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%
1 W Webster Ave, Muskegon, MI 49440
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.
PORT CITY
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
460 W Laketon Ave, Muskegon, MI 49441 2632
Amazing Savings
1.96%
$2,000
▼
Rate0.00%
Min Deposit$2,000
Min Balance—
UpdatedMar 24, 2026
Details
PORT CITY
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
460 W Laketon Ave, Muskegon, MI 49441 2632
Amazing Savings
1.76%
$2,000
▼
Rate0.00%
Min Deposit$2,000
Min Balance—
UpdatedMar 24, 2026
Details
PORT CITY
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
460 W Laketon Ave, Muskegon, MI 49441 2632
Amazing Savings
1.61%
$2,000
▼
Rate0.00%
Min Deposit$2,000
Min Balance—
UpdatedMar 24, 2026
Details
LMCU Lake Michigan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
1619 E Mount Garfield Rd, Muskegon, MI 49444 7763
Health Savings Account
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
715 Terrace St, Muskegon, MI 49440
IRA Share
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
IRA Savings
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
PORT CITY
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
460 W Laketon Ave, Muskegon, MI 49441 2632
IRA Shares
0.50%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 24, 2026
Details
Community Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1624 Independence Drive Unit 1, Muskegon, MI 49444 3406
Choice Savings
0.50%
$0
▼
Rate0.49%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Community Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1624 Independence Drive Unit 1, Muskegon, MI 49444 3406
Choice Savings
0.40%
$0
▼
Rate0.39%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
715 Terrace St, Muskegon, MI 49440
Youth Savings Accounts
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
WEST MICHIGAN POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
800 1st St, Muskegon, MI 49440
Share Savings
0.30%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Community Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1624 Independence Drive Unit 1, Muskegon, MI 49444 3406
Choice Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
WEST MICHIGAN POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
800 1st St, Muskegon, MI 49440
Share Savings
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
WEST MICHIGAN POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
800 1st St, Muskegon, MI 49440
Share Savings
0.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
WEST MICHIGAN POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
800 1st St, Muskegon, MI 49440
Share Savings
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Community Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1624 Independence Drive Unit 1, Muskegon, MI 49444 3406
Choice Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
Sub Share Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Best Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1888 E Sherman Blvd, Muskegon, MI 49444 1822
Regular Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
715 Terrace St, Muskegon, MI 49440
Savings & Club Accounts
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
715 Terrace St, Muskegon, MI 49440
Business Savings & Sub Savings Accounts
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
2182 Lakeshore Dr, Muskegon, MI 49441 1414
Vacation Savings
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
PORT CITY
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
460 W Laketon Ave, Muskegon, MI 49441 2632
Prime Share
0.10%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 24, 2026
Details
Community Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1624 Independence Drive Unit 1, Muskegon, MI 49444 3406
Choice Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
1818 E Sherman Blvd, Muskegon, MI 49444 1822
Business Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
2182 Lakeshore Dr, Muskegon, MI 49441 1414
Savings
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
PORT CITY
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
460 W Laketon Ave, Muskegon, MI 49441 2632
Escrow Shares
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
65 W LAKETON AVE, MUSKEGON, MI 49441
Shares
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.76%
1086 Creston St, Muskegon, MI 49442
YOUTH SAVINGS ACCT
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Michigan Coastal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.76%
1086 Creston St, Muskegon, MI 49442
REGULAR SHARES
0.05%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 20, 2026
Details
Community Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1624 Independence Drive Unit 1, Muskegon, MI 49444 3406
Choice Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Family Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
844 1st St, Muskegon, MI 49440 1125
Regular Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Community Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1624 Independence Drive Unit 1, Muskegon, MI 49444 3406
Business Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
1453 E Laketon Ave, Muskegon, MI 49442
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%
1453 E Laketon Ave, Muskegon, MI 49442
Standard Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Community Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.03%
1624 Independence Drive Unit 1, Muskegon, MI 49444 3406
Choice Savings
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
WEST MICHIGAN POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
800 1st St, Muskegon, MI 49440
Share Savings
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
65 W LAKETON AVE, MUSKEGON, MI 49441
Share Draft
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Lakeshore Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
2182 Lakeshore Dr, Muskegon, MI 49441 1414
Share Checking
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
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
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 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
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
Powered by
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.
Muskegon, MI Savings Rate Trends
Compare local Muskegon, 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 Muskegon, 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 Muskegon, 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 Muskegon, 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 Muskegon, 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 Muskegon, 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 Muskegon, 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 Muskegon, Michigan?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Muskegon, Michigan offer in-person customer service, which some customers prefer.
How do I open a savings account in Muskegon, 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 Muskegon, Michigan
Here are recent savings rates observed in Muskegon, Michigan and the surrounding area:
- The Huntington National Bank
High-Yield Savings — 3.55% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY - LMCU Lake Michigan Credit Union
Kids Club Savings — 3.00% APY - PORT CITY
Amazing Savings — 1.96% APY - Route 31 Federal Credit Union
IRA Share — 1.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Muskegon, Michigan. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 27, 2026
