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Eastern Michigan Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.31%
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 7/18/2025
4.44%
Our Rating
4.3  / 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
Bonus Amount
up to $300
Our Rating
4.2  / 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 30th largest bank in the state of Michigan. It is also the 1,767th largest bank in the nation. It was established in 1895 and as of March of 2025, it had grown to 86 employees at 13 locations. Eastern Michigan Bank has a B+ health rating.

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Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #982
Year Established1895
Employees86
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.22%
Return on Equity - YTD12.95%
Annual Interest Income$5.3MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$512.5MM$564.3MM
LoansQ1 2025vs Q1 2024$199.5MM$209.4MM
DepositsQ1 2025vs Q1 2024$460.8MM$471.7MM
Equity CapitalQ1 2025vs Q1 2024$49.6MM$40.5MM
Loan Loss AllowanceQ1 2025vs Q1 2024$2.7MM$2.6MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$1.5MM$1.3MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.31%
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 7/18/2025
4.44%
Our Rating
4.3  / 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
Bonus Amount
up to $300
Our Rating
4.2  / 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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