Featured Savings Rates
Featured Accounts

Northpointe Bank

Popular Accounts at this Bank

5.00%Reward CheckingUltimate Checking
1.70%5-year CD60+ Month Fixed CD
1.30%3-year CD36 - 47 Month Fixed CD

Overview / Commentary
3333 Deposit Drive NE
Grand Rapids, MI 49546

Northpointe Bank is headquartered in Grand Rapids and is the 17th largest bank in the state of Michigan. It is also the 1,154th largest bank in the nation. It was established in 1999 and as of September of 2016, it had grown to 293 employees at 1 location. Northpointe Bank's savings rates are 2X the national average, and it has an A health rating.

Related Posts

Northpointe Bank's UltimateSavings 1.12% APY Guaranteed For 12 Months - 9/15/2016

Northpointe Bank guarantees the 1.12% APY on its new UltimateSavings for 12 months. Minimum deposit is $10k, with a maximum balance cap of $500k.

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Reviews (8)

Great Bank

Posted by: ichaelm | Jan 10, 2017

I opened an Ultimate Checking Account with them and closed it and transferred out the funds about 4 months later, only because I never used it. About a week later, I received a check in the mail from Northpointe for $0.01!! Apparently this was for the accrued but unposted interest which my account earned when I closed it. I have never dealt with such an ETHICAL bank!! Even if they were legally required to return the penny to me, obviously I couldn't have cared less had they just kept it. For its honesty, Northpointe Bank earns 5 stars!!

Great Banking Choice

I have been a customer of Northpointe for the last 10 years and have been consistently impressed with them. Walking into my branch makes me feel like a VIP - I am always greeted by name, and am asked how I am doing. They are always able to get me in and out very quickly and to help me accomplish whatever it is I need to accomplish on that visit. In recent months I have started using their mobile app which has been super easy to use and has helped me keep track of my accounts. On the one occasion I had a fraudulent activity on my account they were able to help me get everything straightened out in less than 24 hours. They really are an amazing bank with awesome customer service! Two thumbs up and great choice for anybody wanting a friendly, helpful bank that truly cares about the people behind the amount number!

Great Service And Product Experience

I was sorry to read about the bad experiences that the other posters had written. My contact with the bank was extraordinarily pleasant and unremarkable. The interest that was promised has been provided. I got free checks by phone. I made special requests for my address information and was quickly accommodated.
Questions that I had posed via email received prompt reply.
I was not able to immediately contact the person with whom I had been exchanging emails, but other staff were happy to serve, helpful and knowledgeable about the product.
The Northpointe Bank of today has no connection in any way, shape, or form to the previous posts of the malcontents.

Ultimate Account

Posted by: brettc88 | Sep 2, 2015

Found the 5% Ultimate Checking Account via this site...signup process was easy although a lot of questions...so far, so good...great rate on checking...customer service was quick to respond to my questions too.

Effective 7-1-2015 Must Spend $500 Each Cycle

New rule must spend $500, $100 Direct Deposit & 15 transactions. Maximum amount to earn interest is still $5000. I am out July 1 2015.

Refinancing ?!?!

Posted by: Zachary | Jul 21, 2016

This was suppose to be easy transaction which turn out to be nightmare. 1) You will never ever hear from the loan reps again as soon as you fill in the Application online. 2) the appraisal company they associated with is the worst it can take up to 4 weeks to have report back?!?! 3) you will have to keep sending Document over and over again (seems 2008 banking scams all over)
4) when you are told that you're going to close they will need verification of your job which can take at least week.?!?!
5) you will think the loan reps knows the system since this is all they do?!?! They act like they're in training and have no clue about how this work?! Mind blowing.
We The People stay local use any credit union you will save money , time, hustle free.


Posted by: Kinglh | Apr 6, 2016

Northpointe Bank stated that I was on ChexSystems. I found out that I wasn't by going to a different bank to apply for an account. I was told that my account was approved at first after applying. Trial deposits were taken from my account. I noticed that I could not log on to the account. When I called and asked about the status of the account, I was told that I did not pass ChexSystems. I is unprofessional and unbusiness-like when I have to find out that an account did not get opened. It is, thus, easier to open an account with a larger financial institution and a credit union than with Northpointe Bank. Plus, Northpointe Bank does not have convenient branches and hours for customer service when necessary. This is why it can offer an account paying up to five percent interest. Luckily, there were many more options to choose from than Northpointe Bank. I will make sure that this bank is not recommended to anyone.

Never Again

I would never in my life or the next use Northpointe bank for ANY financing. They were difficult to work with, unresponsive in request for information and follow up, and totally unprofessional. I wish I could emphasize this enough. I have worked through many other financing agencies and have never wished I had never heard of any of them like I do with Northpointe.


Health Grade Components

FDIC Certificate #34953
Year Established1999
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD3.2%
Return on Equity - YTD35.38%
Annual Interest Income$17.5MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$616.7MM$436.6MM
LoansQ3 2016vs Q3 2015$528.8MM$373.4MM
DepositsQ3 2016vs Q3 2015$523.9MM$359.7MM
Equity CapitalQ3 2016vs Q3 2015$53.7MM$41.9MM
Loan Loss AllowanceQ3 2016vs Q3 2015$4.0MM$4.4MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$2.4MM$4.5MM
Real Estate OwnedQ3 2016vs Q3 2015$692.00K$356.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Northpointe Bank Savings Account Rates

1.50%*-$1kKid's Savings
OTHER TIERS: 0.15% $1k+
1.12%*$10k*$500kUltimateSavings Promo
OTHER TIERS: 0.15% Any amount
0.50%*$100k*-Liquid IRA Account
OTHER TIERS: 0.20% Up to $2,500 | 0.25% $2,500 - $25k | 0.40% $25k - $100k
0.50%--Health Savings Account
0.15%--Statement Savings

Northpointe Bank Money Market Rates

0.50%*$100k*-Liquid High Yield Money Market
OTHER TIERS: 0.20% Up to $2,500 | 0.25% $2,500 - $25k | 0.40% $25k - $100k
0.50%*$100k*-Business Money Market Account
OTHER TIERS: 0.20% Up to $2,500 | 0.25% $2,500 - $25k | 0.40% $25k - $100k

Northpointe Bank Checking Account Rates

5.00%*-$5kUltimate Checking
OTHER TIERS: 0.10% $5k+
0.30%*$100k*-Interest Checking
OTHER TIERS: 0.15% $2,500 - $25k | 0.25% $25k - $100k
0.10%$1k-Business Now

Northpointe Bank CD Rates

1.70%$5k-60+ Month Fixed CD
1.70%$1k-Business 60+ Month Fixed CD
1.40%$5k-48 - 59 Month Fixed CD
1.40%$1k-Business 48 - 59 Month Fixed CD
1.30%$5k-36 - 47 Month Fixed CD
1.30%$1k-Business 36 - 47 Month Fixed CD
1.30%$1k-23 Month Fixed CD Special
1.30%$1k-Business 23 Month Fixed CD Special
1.20%$5k-24 - 29 Month Fixed CD
1.20%$1k-Business 24 - 29 Month Fixed CD
1.20%$5k-30 - 35 Month Fixed CD
1.20%$1k-Business 30 - 35 Month Fixed CD
1.15%$5k-18 - 23 Month Fixed CD
1.15%$1k-Business 18 - 23 Month Fixed CD
1.00%$5k-12 - 17 Month Fixed CD
1.00%$1k-Business 12 - 17 Month Fixed CD
1.00%$1k-12 Month Fixed CD Special
1.00%$1k-Business 12 Month Fixed CD Special
0.30%$5k-6 - 11 Month Fixed CD
0.30%$1k-Business 6 - 11 Month Fixed CD
0.20%$5k-92 - 182 Day Fixed CD
0.20%$1k-Business 92 - 182 Day Fixed CD
0.20%$5k-7 - 91 Day Fixed CD
0.20%$1k-Business 7 - 91 Day Fixed CD

Northpointe Bank IRA Rates

1.70%$5k-60+ Month Fixed IRA
1.40%$5k-48 - 59 Month Fixed IRA
1.30%$5k-36 - 47 Month Fixed IRA
1.20%$5k-24 - 29 Month Fixed IRA
1.20%$5k-30 - 35 Month Fixed IRA
1.15%$5k-18 - 23 Month Fixed IRA
1.00%$5k-12 - 17 Month Fixed IRA
0.30%$5k-6 - 11 Month Fixed IRA

Northpointe Bank Locations
Northpointe Bank3333 Deposit Drive NeGrand Rapids, MI 49546