Northern Interstate Bank

TODAY'S FEATURED RATES

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

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.35%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

3.80%

Our Rating

4.3 / 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

3.60%

Our Rating

4.2 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 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

banknib.com

906-563-9233

501 West Us 2
Norway, MI 49870

Northern Interstate Bank is headquartered in NORWAY and is the 58^th largest bank in the state of Michigan. It is also the 3,136^th largest bank in the nation. It was established in 1901 and as of December of 2024, it had grown to 29 employees at 5 locations. Northern Interstate Bank's money market rates are 3X the national average, and it has a B+ health rating.

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Health

B+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	13784
Year Established	1901
Employees	29
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.54%
Return on Equity - YTD	10.99%
Annual Interest Income	$6.7MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$186.3MM$180.3MM
Loans	Q4 2024vs Q4 2023	$75.2MM$67.1MM
Deposits	Q4 2024vs Q4 2023	$161.3MM$157.4MM
Equity Capital	Q4 2024vs Q4 2023	$8.8MM$9MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$763K$804K
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$246K$210K
Real Estate Owned	Q4 2024vs Q4 2023	$0$0

TODAY'S FEATURED RATES

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

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.35%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.60%

Our Rating

4.2 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 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
IRA

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

Northern Interstate Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%	$100	-	Quarterly Statement Personal Savings
0.10%	$100	-	Personal Choice Savings
0.10%	$25	-	Christmas Club Account

Northern Interstate Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.51%^*	$250k^*	-	Money Market Account
OTHER TIERS: 0.25% → $1k - $10k \| 0.40% → $10k - $25k \| 0.65% → $25k - $100k \| 1.00% → $100k - $150k \| 1.36% → $150k - $250k
1.51%^*	$250k^*	-	Investor’s Choice Money Market Account
OTHER TIERS: 0.25% → $2.5k - $10k \| 0.40% → $10k - $25k \| 0.65% → $25k - $100k \| 1.00% → $100k - $150k \| 1.36% → $150k - $250k

Northern Interstate Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$500	-	Choice Checking Account
0.05%	$500	-	Golden Choice Checking Account

Northern Interstate Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.27%	$1k	-	60 Month CD
2.12%	$1k	-	48 Month CD
2.07%	$1k	-	36 Month CD
2.02%	$1k	-	24 Month CD
2.02%	$1k	-	30 Month CD
1.91%	$1k	-	18 Month CD
1.76%	$1k	-	12 Month CD
1.31%	$1k	-	6 Month CD
1.10%	$1k	-	3 Month CD
0.15%	$250	-	Smart Start CD

Northern Interstate Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.10%	$10	-	Variable Rate IRA
2.27%	$1k	-	60 Month Fixed IRA
2.12%	$1k	-	48 Month Fixed IRA
2.07%	$1k	-	36 Month Fixed IRA
2.02%	$1k	-	24 Month Fixed IRA
2.02%	$1k	-	30 Month Fixed IRA
1.91%	$1k	-	18 Month Fixed IRA
1.76%	$1k	-	12 Month Fixed IRA
1.31%	$1k	-	6 Month Fixed IRA
1.10%	$1k	-	3 Month Fixed IRA

Locations

Northern Interstate Bank Locations
Iron Mountain Branch	1917 Stephenson Ave	Iron Mountain, MI 49801
The First National Bank Of Norway	501 West Us 2	Norway, MI 49870
Main Street Branch	531 Main Street	Norway, MI 49870
Powers Branch	W3879 US Highway 2	Powers, MI 49874
North Dickinson Branch	N10151 State Hwy M95	Sagola, MI 49881
Jubilee Foods Branch	1363 Us Highway 2	Crystal Falls, MI 49920
Crystal Falls Branch	125 Superior Avenue	Crystal Falls, MI 49920

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