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First National Bank of Michigan


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 20th largest bank in the state of Michigan. It is also the 1,208th largest bank in the nation. It was established in 2006 and as of December of 2019, it had grown to 77 employees at 5 locations. First National Bank of Michigan has an A+ health rating.

Reviews (1)

Poor Customer Service

Posted by: |

Challenged someone at the bank on issue the other day. She kept saying "do you know who I am," seemed to have forgotten that I was the customer, and she was just an employee of the bank. Will be moving my accounts soon.

1


Health
A+

Data as of Q4 2019

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #58259
Year Established2006
Employees77
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.03%
Return on Equity - YTD11.04%
Annual Interest Income$26.1MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$629.2MM$571.9MM
LoansQ4 2019vs Q4 2018$484.9MM$442.9MM
DepositsQ4 2019vs Q4 2018$500.5MM$480.3MM
Equity CapitalQ4 2019vs Q4 2018$58.2MM$51.2MM
Loan Loss AllowanceQ4 2019vs Q4 2018$6.5MM$6.6MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$73.00K$4.1MM
Real Estate OwnedQ4 2019vs Q4 2018$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%†--First Choice Business Savings
0.03%†--First Personal Savings
0.01%†--HSA Savings Account

First National Bank of Michigan Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.08%*†$5m*-Business First Rate Money Market
OTHER TIERS: 0.03% → Up to $250k | 0.04% → $250k - $2m | 0.06% → $2m - $5m
0.08%*†$250k*-First Growth Money Market
OTHER TIERS: 0.03% → Up to $50k | 0.04% → $50k - $100k | 0.06% → $100k - $250k

First National Bank of Michigan Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*†$250k*-Government Community Funds Checking
OTHER TIERS: 0.10% → Up to $250k
0.20%*†$250k*-Not For Profit Community Funds Checking
OTHER TIERS: 0.10% → Up to $250k
0.12%*†$5m*-Insured Cash Sweep Checking
OTHER TIERS: 0.00% → $500k - $1m | 0.05% → Up to $500k | 0.10% → $1m - $5m
0.03%*†$50k*-First Advantage Checking
OTHER TIERS: 0.01% → Up to $50k
0.01%†--Interest First Checking

First National Bank of Michigan CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.01%*†$500k*-Business 4 Year CD
OTHER TIERS: 0.70% → $2.5k - $100k | 0.80% → $100k - $250k | 0.90% → $250k - $500k
1.01%*†$500k*-Business 5 Year CD
OTHER TIERS: 0.70% → $2.5k - $100k | 0.80% → $100k - $250k | 0.90% → $250k - $500k
1.01%*†$1m*-Government 4 Year CD
OTHER TIERS: 0.80% → $2.5k - $250k | 0.90% → $250k - $1m
1.01%*†$1m*-Government 5 Year CD
OTHER TIERS: 0.80% → $2.5k - $250k | 0.90% → $250k - $1m
1.01%*†$150k*-Not For Profit 3 Year CD
OTHER TIERS: 0.70% → $2.5k - $50k | 0.98% → $50k - $150k
1.01%*†$150k*-Not For Profit 4 Year CD
OTHER TIERS: 0.80% → $2.5k - $50k | 0.90% → $50k - $150k
1.01%*†$150k*-Not For Profit 5 Year CD
OTHER TIERS: 0.80% → $2.5k - $50k | 0.90% → $50k - $150k
1.00%*$2.5k*$250kGovernment 60 Day CD
OTHER TIERS: 0.20% → $250k - $1m | 0.25% → $1m+
0.85%*$100k*-4 Year CD
OTHER TIERS: 0.65% → $2.5k - $50k | 0.75% → $50k - $100k
0.85%*$100k*-5 Year CD
OTHER TIERS: 0.65% → $2.5k - $50k | 0.75% → $50k - $100k
0.85%*†$1m*-Government 3 Year CD
OTHER TIERS: 0.75% → $2.5k - $250k | 0.80% → $250k - $1m
0.80%*†$500k*-Business 3 Year CD
OTHER TIERS: 0.60% → $2.5k - $100k | 0.70% → $100k - $250k | 0.75% → $250k - $500k
0.80%*†$150k*-Not For Profit 2 Year CD
OTHER TIERS: 0.55% → $2.5k - $50k | 0.75% → $50k - $150k
0.80%†--3 Year CDARS
0.75%*†$1m*-Government 2 Year CD
OTHER TIERS: 0.65% → $2.5k - $250k | 0.70% → $250k - $1m
0.75%†$10k-18 Month Rising Rate CD Special
0.75%†$10k-Business 18 Month Rising Rate CD
0.70%*$100k*-3 Year CD
OTHER TIERS: 0.50% → $2.5k - $50k | 0.60% → $50k - $100k
0.70%*†$500k*-Business 2 Year CD
OTHER TIERS: 0.45% → $2.5k - $100k | 0.60% → $100k - $250k | 0.65% → $250k - $500k
0.70%*†$1m*-Government 18 Month CD
OTHER TIERS: 0.55% → $2.5k - $250k | 0.60% → $250k - $1m
0.70%*†$150k*-Not For Profit 18 Month CD
OTHER TIERS: 0.45% → $2.5k - $50k | 0.60% → $50k - $150k
0.70%†--2 Year CDARS
0.60%*$100k*-2 Year CD
OTHER TIERS: 0.40% → $2.5k - $50k | 0.50% → $50k - $100k
0.60%*†$500k*-Business 18 Month CD
OTHER TIERS: 0.35% → $2.5k - $100k | 0.50% → $100k - $250k | 0.55% → $250k - $500k
0.60%--1 Year CDARS
0.60%$10k-15 Month CD Special - New Money
0.55%*$150k*-Not For Profit 1 Year CD
OTHER TIERS: 0.25% → $2.5k - $50k | 0.45% → $50k - $150k
0.50%*$500k*-Business 1 Year CD
OTHER TIERS: 0.25% → $2.5k - $100k | 0.35% → $100k - $250k | 0.40% → $250k - $500k
0.50%*$1m*-Government 1 Year CD
OTHER TIERS: 0.35% → $2.5k - $250k | 0.45% → $250k - $1m
0.50%--26 Week CDARS
0.45%*$100k*-18 Month CD
OTHER TIERS: 0.30% → $2.5k - $50k | 0.40% → $50k - $100k
0.45%*$1m*-Government 9 Month CD
OTHER TIERS: 0.30% → $2.5k - $250k | 0.40% → $250k - $1m
0.45%*$150k*-Not For Profit 9 Month CD
OTHER TIERS: 0.20% → $2.5k - $50k | 0.33% → $50k - $150k
0.40%*$100k*-1 Year CD
OTHER TIERS: 0.20% → $2.5k - $50k | 0.35% → $50k - $100k
0.40%*$500k*-Business 9 Month CD
OTHER TIERS: 0.20% → $2.5k - $100k | 0.25% → $100k - $250k | 0.30% → $250k - $500k
0.40%*$1m*-Government 6 Month CD
OTHER TIERS: 0.20% → $2.5k - $250k | 0.30% → $250k - $1m
0.40%--13 Week CDARS
0.40%$10k-4 Month CD Special - New Money
0.35%*$100k*-9 Month CD
OTHER TIERS: 0.15% → $2.5k - $50k | 0.30% → $50k - $100k
0.35%*$150k*-Not For Profit 6 Month CD
OTHER TIERS: 0.15% → $2.5k - $50k | 0.25% → $50k - $150k
0.30%*$100k*-6 Month CD
OTHER TIERS: 0.10% → $2.5k - $50k | 0.25% → $50k - $100k
0.30%*$500k*-Business 6 Month CD
OTHER TIERS: 0.15% → $2.5k - $100k | 0.20% → $100k - $250k | 0.25% → $250k - $500k
0.30%*$1m*-Government 90 Day CD
OTHER TIERS: 0.15% → $2.5k - $250k | 0.25% → $250k - $1m
0.30%--4 Week CDARS
0.25%*$150k*-90 Day CD
OTHER TIERS: 0.05% → $2.5k - $50k | 0.20% → $50k - $150k
0.25%*$500k*-Business 90 Day CD
OTHER TIERS: 0.10% → $2.5k - $100k | 0.15% → $100k - $250k | 0.20% → $250k - $500k
0.25%*$150k*-Not For Profit 90 Day CD
OTHER TIERS: 0.10% → $2.5k - $50k | 0.15% → $50k - $150k
0.20%*$100k*-60 Day CD
OTHER TIERS: 0.05% → $2.5k - $50k | 0.15% → $50k - $100k
0.20%*$500k*-Business 60 Day CD
OTHER TIERS: 0.05% → $2.5k - $100k | 0.10% → $100k - $250k | 0.15% → $250k - $500k
0.15%*$100k*-30 Day CD
OTHER TIERS: 0.05% → $2.5k - $50k | 0.10% → $50k - $100k
0.15%*$500k*-Business 30 Day CD
OTHER TIERS: 0.05% → $2.5k - $250k | 0.10% → $250k - $500k
0.15%*$1m*-Government 30 Day CD
OTHER TIERS: 0.05% → $2.5k - $250k | 0.10% → $250k - $1m
0.15%*$150k*-Not For Profit 60 Day CD
OTHER TIERS: 0.05% → $2.5k - $50k | 0.10% → $50k - $150k
0.10%*$150k*-Not For Profit 30 Day CD
OTHER TIERS: 0.05% → $2.5k - $150k
Locations


First National Bank of Michigan Locations
Grand Rapids Banking Center141 Ionia Avenue, NW Suite 1Grand Rapids, MI 49503
Woodbridge Branch2700 W CentrePortage, MI 49024
First National Bank Of Michigan348 West Michigan AvenueKalamazoo, MI 49007
First National Bank Of Michigan-West Side Office5313 West Main StreetKalamazoo, MI 49009
Holland Branch1 West 8th StreetHolland, MI 49423

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