Saint Joseph, Michigan (MI) Savings Rates - March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for Saint Joseph, Michigan and the surrounding area include Horizon Bank Michigan City, INHorizon Bank Michigan City, IN811 Ship St, Saint Joseph, MI 49085A+5.0 ★Texas Ratio: 2.79% Business Money Market Savings at 3.65% APY, The Huntington National BankThe Huntington National Bank300 Main St, Saint Joseph, MI 49085A+5.0 ★Texas Ratio: 4.60% High-Yield Savings at 2.98% APY, United Federal Credit UnionUnited Federal Credit Union2819 S State St, Saint Joseph, MI 49085A+5.0 ★Texas Ratio: 3.35% Health Savings Account (HSA) at 1.00% APY, Honor Credit UnionHonor Credit Union2712 Niles Ave, Saint Joseph, MI 49085 2414A+5.0 ★Texas Ratio: 5.80% Health Savings (HSA) 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 26, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Saint Joseph, 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 Saint Joseph, Michigan (MI) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Saint Joseph, Michigan and the surrounding area. Last Updated and Verified: March 26, 2026
Compare the Best Savings Rates in Saint Joseph, Michigan & Surrounding Communities
Minimum of $5,000 not currently deposited at Huntington.
Minimum opening deposit of $50.00 required.
Minimum opening deposit of $50.00 required.
Minimum opening deposit of $50.00 required.
Minimum opening deposit of $50.00 required.
for balances on $5.00 or more
Qualifying balance up to $1,000.00
Qualifying balance up to $500.00
Qualifying balance up to $1,000.00
Qualifying balance up to $2,500.00
As Low As; Use your money on deposit as security for a great rate
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.
Qualifying balance up to $499,999.99
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.
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.
Saint Joseph, MI Savings Rate Trends
Compare local Saint Joseph, 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.
Michigan high-yield savings rates rose 0.821 points this week to 2.720% APY, up from 1.899% last week.
Michigan standard savings rates rose 0.527 points this week to 0.670% APY, up from 0.144% last week.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Saint Joseph, 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 Saint Joseph, 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 Saint Joseph, Michigan
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Saint Joseph, Michigan safe?
How often do savings rates change in Saint Joseph, Michigan?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Saint Joseph, Michigan?
How do I open a savings account in Saint Joseph, Michigan?
Best Savings Rates in Saint Joseph, Michigan
- Horizon Bank Michigan City, IN
Business Money Market Savings — 3.65% APY - The Huntington National Bank
High-Yield Savings — 2.98% APY - United Federal Credit Union
Health Savings Account (HSA) — 1.00% APY - Honor Credit Union
Health Savings (HSA) — 0.25% APY - Community Financial Credit Union Plymouth, MI
High Yield Savings — 10.00% APY
