Northern Interstate Bank

Overview / Commentary
501 West Us 2
Norway, MI 49870

Northern Interstate Bank is headquartered in NORWAY and is the 58th largest bank in the state of Michigan. It is also the 3,185th largest bank in the nation. It was established in 1901 and as of December of 2023, it had grown to 32 employees at 6 locations. Northern Interstate Bank's money market rates are 4X the national average, and it has a B health rating.


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Health Grade Components

FDIC Certificate #13784
Year Established1901
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.53%
Return on Equity - YTD11.69%
Annual Interest Income$5.9MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$180.3MM$184.7MM
LoansQ4 2023vs Q4 2022$67.1MM$65.4MM
DepositsQ4 2023vs Q4 2022$157.4MM$172.8MM
Equity CapitalQ4 2023vs Q4 2022$9MM$8.1MM
Loan Loss AllowanceQ4 2023vs Q4 2022$804K$665K
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$210K$152K
Real Estate OwnedQ4 2023vs Q4 2022$0$128K
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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

5.25%$10-Variable Rate IRA
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

1.76%*$250k*-Money Market Account
OTHER TIERS: 0.25% $1k - $10k | 0.40% $10k - $25k | 0.65% $25k - $100k | 1.00% $100k - $150k | 1.51% $150k - $250k
1.76%*$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 | 1.51% $150k - $250k

Northern Interstate Bank Checking Account Rates

0.05%$500-Choice Checking Account
0.05%$500-Golden Choice Checking Account

Northern Interstate Bank CD Rates

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

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

Northern Interstate Bank Locations
Iron Mountain Branch1917 Stephenson AveIron Mountain, MI 49801
The First National Bank Of Norway501 West Us 2Norway, MI 49870
Main Street Branch531 Main StreetNorway, MI 49870
Powers BranchW3879 US Highway 2Powers, MI 49874
North Dickinson BranchN10151 State Hwy M95Sagola, MI 49881
Jubilee Foods Branch1363 Us Highway 2Crystal Falls, MI 49920
Crystal Falls Branch125 Superior AvenueCrystal Falls, MI 49920

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