a close credit union for their savings, Lake Michigan Credit Union has a savings account for their emergency funds starting at $25,000 paying 3.30%. Not the highest rate but it is for area of the state. 6 withdrawals a month by check or transfers and if you go to the branch it does not count as on of the 6 withdrawals. PNC has a 4% saving from the first $1, but it is not offered even though they are many branches in my town and surrounding area.