First National Bank of Michigan

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

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Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

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Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

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Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

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.fnbmichigan.com

269-349-0100

348 West Michigan Avenue
Kalamazoo, MI 49007

First National Bank of Michigan is headquartered in KALAMAZOO and is the 18^th largest bank in the state of Michigan. It is also the 1,085^th largest bank in the nation. It was established in 2006 and as of March of 2025, it had grown to 85 employees at 7 locations. First National Bank of Michigan's CD rates are 3X the national average, and it 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 #	58259
Year Established	2006
Employees	85
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.66%
Return on Equity - YTD	7.83%
Annual Interest Income	$12MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$959.6MM$1.01B
Loans	Q1 2025vs Q1 2024	$742.1MM$720.5MM
Deposits	Q1 2025vs Q1 2024	$768.4MM$800MM
Equity Capital	Q1 2025vs Q1 2024	$82.4MM$72.7MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$10MM$10.6MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$707K$215K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

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

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

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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Savings
Money Market
Checking
CD

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Always verify rates and promotions with the bank or credit union. We are not First National Bank of Michigan; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

First National Bank of Michigan Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%	$0	-	First Personal Savings
0.01%	$0	-	HSA Savings Account
0.01%	$0	-	First Choice Commercial Savings

First National Bank of Michigan Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.77%^*^†	$5m^*	-	Commercial First Rate Money Market
OTHER TIERS: 0.05% → $0 - $25k \| 0.10% → $25k - $250k \| 0.75% → $250k - $2m \| 1.51% → $2m - $5m
1.00%^*	$250k^*	-	First Growth Money Market
OTHER TIERS: 0.15% → $0 - $10k \| 0.25% → $10k - $50k \| 0.35% → $50k - $100k \| 0.50% → $100k - $250k

First National Bank of Michigan Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.45%^*	$250k^*	-	Government Community Funds Checking
OTHER TIERS: 0.20% → $0 - $250k
0.45%^*	$250k^*	-	Not For Profit Community Funds Checking
OTHER TIERS: 0.20% → $0 - $250k
0.10%^*	$50k^*	-	First Advantage Checking
OTHER TIERS: 0.01% → $0 - $20k \| 0.05% → $20k - $50k
0.01%	$0	-	Interest First Checking

First National Bank of Michigan CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.15%	$10k	-	3 Month CD Special
4.00%	$10k	-	7 Month CD Special
3.92%^*	$500k^*	-	Commercial 2 Year CD
OTHER TIERS: 3.30% → $2.5k - $100k \| 3.51% → $100k - $250k \| 3.71% → $250k - $500k
3.90%	$10k	-	13 Month CD Special
3.82%	$10k	-	Commercial 18 Month Rising Rate CD
3.82%	$10k	-	18 Month Rising Rate CD
3.66%^*	$500k^*	-	Commercial 3 Year CD
OTHER TIERS: 3.04% → $2.5k - $100k \| 3.25% → $100k - $250k \| 3.45% → $250k - $500k
3.66%^*	$500k^*	-	Commercial 18 Month CD
OTHER TIERS: 3.04% → $2.5k - $100k \| 3.25% → $100k - $250k \| 3.45% → $250k - $500k
3.45%^*	$100k^*	-	2 Year CD
OTHER TIERS: 3.04% → $2.5k - $50k \| 3.25% → $50k - $100k
3.40%^*	$500k^*	-	Commercial 5 Year CD
OTHER TIERS: 2.78% → $2.5k - $100k \| 2.99% → $100k - $250k \| 3.20% → $250k - $500k
3.40%^*	$500k^*	-	Commercial 4 Year CD
OTHER TIERS: 2.78% → $2.5k - $100k \| 2.99% → $100k - $250k \| 3.20% → $250k - $500k
3.40%^*	$500k^*	-	Commercial 1 Year CD
OTHER TIERS: 2.78% → $2.5k - $100k \| 2.99% → $100k - $250k \| 3.20% → $250k - $500k
3.20%^*	$100k^*	-	3 Year CD
OTHER TIERS: 2.78% → $2.5k - $50k \| 2.99% → $50k - $100k
3.20%^*	$100k^*	-	18 Month CD
OTHER TIERS: 2.78% → $2.5k - $50k \| 2.99% → $50k - $100k
3.14%^*	$500k^*	-	Commercial 9 Month CD
OTHER TIERS: 2.53% → $2.5k - $100k \| 2.73% → $100k - $250k \| 2.94% → $250k - $500k
2.94%^*	$100k^*	-	4 Year CD
OTHER TIERS: 2.53% → $2.5k - $50k \| 2.70% → $50k - $100k
2.94%^*	$100k^*	-	5 Year CD
OTHER TIERS: 2.53% → $2.5k - $50k \| 2.73% → $50k - $100k
2.94%^*	$100k^*	-	1 Year CD
OTHER TIERS: 2.53% → $2.5k - $50k \| 2.73% → $50k - $100k
2.89%^*	$500k^*	-	Commercial 6 Month CD
OTHER TIERS: 2.27% → $2.5k - $100k \| 2.48% → $100k - $250k \| 2.68% → $250k - $500k
2.68%^*	$100k^*	-	9 Month CD
OTHER TIERS: 2.27% → $2.5k - $50k \| 2.48% → $50k - $100k
2.63%^*	$500k^*	-	Commercial 90 Day CD
OTHER TIERS: 2.02% → $2.5k - $100k \| 2.22% → $100k - $250k \| 2.43% → $250k - $500k
2.43%^*	$100k^*	-	6 Month CD
OTHER TIERS: 2.02% → $2.5k - $50k \| 2.22% → $50k - $100k
2.38%^*	$500k^*	-	Commercial 60 Day CD
OTHER TIERS: 1.76% → $2.5k - $100k \| 1.97% → $100k - $250k \| 2.17% → $250k - $500k
2.17%^*	$100k^*	-	90 Day CD
OTHER TIERS: 1.76% → $2.5k - $50k \| 1.97% → $50k - $100k
2.12%^*	$500k^*	-	Commercial 30 Day CD
OTHER TIERS: 1.51% → $2.5k - $100k \| 1.71% → $100k - $250k \| 1.92% → $250k - $500k
1.92%^*	$100k^*	-	60 Day CD
OTHER TIERS: 1.51% → $2.5k - $50k \| 1.71% → $50k - $100k
1.66%^*	$100k^*	-	30 Day CD
OTHER TIERS: 1.26% → $2.5k - $50k \| 1.46% → $50k - $100k

Locations

First National Bank of Michigan Locations
Grand Rapids Banking Center	141 Ionia Avenue, NW Suite 1	Grand Rapids, MI 49503
Woodbridge Branch	2700 W Centre	Portage, MI 49024
First National Bank Of Michigan	348 W Michigan Ave	Kalamazoo, MI 49007
First National Bank Of Michigan-West Side Office	5313 West Main Street	Kalamazoo, MI 49009
Holland Branch	1 West 8th Street	Holland, MI 49423
Lansing Branch	101 S Washington Sq	Lansing, MI 48933

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