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First National Bank of Michigan


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
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 7/15/2025
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 7/15/2025
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 7/15/2025
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 7/15/2025
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 7/15/2025
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.fnbmichigan.com
269-349-0100
348 West Michigan Avenue
Kalamazoo, MI 49007

First National Bank of Michigan is headquartered in KALAMAZOO and is the 18th largest bank in the state of Michigan. It is also the 1,085th 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 Established2006
Employees85
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.66%
Return on Equity - YTD7.83%
Annual Interest Income$12MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$959.6MM$1.01B
LoansQ1 2025vs Q1 2024$742.1MM$720.5MM
DepositsQ1 2025vs Q1 2024$768.4MM$800MM
Equity CapitalQ1 2025vs Q1 2024$82.4MM$72.7MM
Loan Loss AllowanceQ1 2025vs Q1 2024$10MM$10.6MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$707K$215K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
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 7/15/2025
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 7/15/2025
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 7/15/2025
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 7/15/2025
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 7/15/2025
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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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%$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 Center141 Ionia Avenue, NW Suite 1Grand Rapids, MI 49503
Woodbridge Branch2700 W CentrePortage, MI 49024
First National Bank Of Michigan348 W Michigan AveKalamazoo, MI 49007
First National Bank Of Michigan-West Side Office5313 West Main StreetKalamazoo, MI 49009
Holland Branch1 West 8th StreetHolland, MI 49423
Lansing Branch101 S Washington SqLansing, MI 48933

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