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Eastern Michigan Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.41%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.45%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.emb.bank
810-679-3620
65 North Howard Avenue
Croswell, MI 48422

Eastern Michigan Bank is headquartered in CROSWELL and is the 32nd largest bank in the state of Michigan. It is also the 1,757th largest bank in the nation. It was established in 1895 and as of December of 2024, it had grown to 84 employees at 13 locations. Eastern Michigan Bank has a B+ health rating.

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Health
B+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #982
Year Established1895
Employees84
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.35%
Return on Equity - YTD16.91%
Annual Interest Income$23.6MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$520.8MM$539.9MM
LoansQ4 2024vs Q4 2023$217.3MM$209.8MM
DepositsQ4 2024vs Q4 2023$471.1MM$498.3MM
Equity CapitalQ4 2024vs Q4 2023$47.5MM$39.5MM
Loan Loss AllowanceQ4 2024vs Q4 2023$2.8MM$2.6MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$1.6MM$1.4MM
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.41%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.45%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Eastern Michigan Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$100-Statement Savings Account
0.05%$0-365 Club Savings Account
0.05%$10-Sunny Savers Account

Eastern Michigan Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$100k*-Prestige Money Market Savings Account
OTHER TIERS: 0.03% → $0 - $10k | 0.05% → $10k - $50k | 0.10% → $50k - $100k

Eastern Michigan Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$100k*-Interest Checking Account
OTHER TIERS: 0.01% → $0 - $2.5k | 0.03% → $2.5k - $25k | 0.05% → $25k - $100k
0.10%*$100k*-Advantage 50 Checking
OTHER TIERS: 0.01% → $0 - $2.5k | 0.03% → $2.5k - $25k | 0.05% → $25k - $100k

Eastern Michigan Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$1k-60 Month CD
1.75%$1k-48 Month CD
1.60%$2.5k-36 Month Adv 50 Club CD
1.50%$1k-36 Month CD
0.85%$2.5k-24 Month Adv 50 Club CD
0.75%$1k-24 Month CD
0.50%$500-18 Month CD
0.40%$2.5k-12 Month Adv 50 Club CD
0.25%$1k-6 Month CD
0.25%$1k-9 Month CD
0.25%$1k-12 Month CD

Eastern Michigan Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$500-60 Month IRA
1.75%$500-48 Month IRA
1.50%$500-36 Month IRA
0.75%$500-24 Month IRA
0.25%$500-6 Month IRA
0.25%$500-9 Month IRA
0.25%$500-12 Month IRA
Locations

Availability



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