Macatawa Bank


Overview / Commentary
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!

Past Customer

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



Health
A+

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
Rates
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Always verify rates and promotions with the bank or credit union. We are not Macatawa Bank; 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.

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

Availability



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