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Macatawa Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/10/2025
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 7/10/2025
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 7/10/2025
3.80%
Our Rating
4.2  / 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 7/10/2025
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 7/10/2025
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.macatawabank.com
616-820-1444
10753 Macatawa Drive
Holland, MI 49424

Macatawa Bank is headquartered in HOLLAND and is the 6th largest bank in the state of Michigan. It is also the 376th largest bank in the nation. It was established in 1997 and as of March of 2025, it had grown to 202 employees at 29 locations. Macatawa Bank's money market rates are 4X the national average, and it boasts an A+ health rating.

Reviews (2)

Love This Place

Posted by: |

I can't say enough good things about this bank. Every time i go into my branch (not very often), they know me by name. They are so friendly and always very helpful. I will be a customer for life!

1

Past Customer

Posted by: |

This bank closed our account without warning or notice for connecting a Square to it. They just sent us a handwritten check for the substantial balance of the 15 year old account in the mail. Horrible place, horrible people

1


Health
A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #34618
Year Established1997
Employees202
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.2%
Return on Equity - YTD7.63%
Annual Interest Income$41MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$3.31B$2.61B
LoansQ1 2025vs Q1 2024$1.66B$1.32B
DepositsQ1 2025vs Q1 2024$2.76B$2.29B
Equity CapitalQ1 2025vs Q1 2024$523.9MM$284.5MM
Loan Loss AllowanceQ1 2025vs Q1 2024$18.7MM$17.4MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$2.3MM$1,000
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/10/2025
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 7/10/2025
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 7/10/2025
3.80%
Our Rating
4.2  / 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 7/10/2025
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 7/10/2025
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.

Macatawa Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$1k*-Regular Savings
OTHER TIERS: 0.01% → $0 - $1k
0.20%$0-Statement Savings Advanced - New Money
0.20%*$1k*-Youth Savings
OTHER TIERS: 0.01% → $0 - $1k

Macatawa Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.71%*$250k*-Personal Money Market
OTHER TIERS: 0.01% → $0 - $25k | 0.55% → $25k - $50k | 0.95% → $50k - $100k | 1.21% → $100k - $250k
1.46%$50k-Maxsafe Money Market Special
0.20%*$1m*-MaxSafe Money Market
OTHER TIERS: 0.10% → $0 - $150k | 0.15% → $150k - $1m
0.01%$0-Money Market Advanced - New Money

Macatawa Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$250k*-Premier Checking
OTHER TIERS: 0.01% → $0 - $25k | 0.20% → $25k - $50k | 0.30% → $50k - $100k | 0.40% → $100k - $250k
0.45%*$250k*-Platinum Preferred Checking
OTHER TIERS: 0.01% → $0 - $25k | 0.15% → $25k - $50k | 0.25% → $50k - $100k | 0.35% → $100k - $250k
0.45%*$250k*-Access Plus Checking
OTHER TIERS: 0.01% → $0 - $25k | 0.15% → $25k - $50k | 0.25% → $50k - $100k | 0.35% → $100k - $250k

Macatawa Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.20%$0-7 Month CD Special
3.90%$0-11 Month CD Special
3.50%$0-17 Month CD Special
3.50%$0-23 Month CD Special
3.20%$0-26 Month CD Special
3.00%$0-33 Month CD Special
2.78%$0-12 Month MaxSafe CD
2.78%$0-18 Month MaxSafe CD
Locations

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