Oxford Bank

Overview / Commentary
60 S. Washington St.
Oxford, MI 48371

Oxford Bank is headquartered in OXFORD and is the 22nd largest bank in the state of Michigan. It is also the 1,136th largest bank in the nation. It was established in 1884 and as of March of 2024, it had grown to 145 employees at 9 locations. Oxford Bank's money market rates are 3X the national average, and it has an A health rating.

Reviews (5)

Great Company

Oxford Bank is a great place to bank with. The staff is very friendly and helpful!

Oxford Bank

We have been dealing with Oxford Bank since 1979.I have never had any issues with the bank and or their services, not only is our business through them, we have several personal accts and no complaints there also.I would like to send kudos to Michelle Phelan and Tina Campbell for all their assistance over the years. Keep up the good work.

Great Products, Great Service

I switched my accounts over to Oxford Bank a little less than a year ago, and I'm extremely happy with the service I've received in that time.
The Personal Bankers are always there to help me with any need I have - and will even call me if they think I would benefit from a different product. The employees are friendly and always on top of everything.
They also just installed these awesome machines called ITMs for the drive-thru, so they've extended their banking hours to 7am-8pm so you don't have to rush to get to the bank for your banking needs.
Their mobile products are up to date and you can even use your fingerprint to log in, which is cool.
Overall, I'm extremely happy with the service I've received from Oxford. What an awesome asset to our community!

Oxford Bank Will Not Protect Your Money

Oxford Bank refuses to thoroughly investigate fraudulent charges with their provided debit card. The disputed amount for a clearly fraudulent charge from IKEA was $1229.18. They refuse to let me talk with their fraud department, explain why the clearly fraudulent transaction went through, and what they did to investigate the charge. Oxford Bank refuses to give me my money and claims that it was a legitimate charge even when it clearly was not.

Horrible Bank

Posted by: |

I cannot express how frustrated I am with Oxford Bank. I have tried to have them resolve an issue from Feb 22-June 1 and they have still not fixed it! I am currently refinancing my house and the bank required clarification on a loan we had with Oxford. It had been misreported to our credit report as a collection account, a mortgage, with incorrect payment amount and balance. It was not a mortgage and we had not missed a payment in 5 years. Literally everything on the credit report was wrong except that the loan was with Oxford Bank. Fast forward 100 days and they still have not gotten the necessary paperwork to the refinance bank and it is still on my credit report- incorrectly!!

To sum up my experience- incompetent, will not return phone calls/emails, will not follow up or take initiative to help a customer, I had to climb the ladder and threaten a letter to the president and CFO before action was taken, and it's still not finished! Put your money somewhere else. You will be happy you did.

They are horrible. I wish I could go back in time and go somewhere else. I would give them 0 stars but it won't let me.


Health Grade Components

FDIC Certificate #9719
Year Established1884
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.61%
Return on Equity - YTD15.15%
Annual Interest Income$12.4MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$883.2MM$821.6MM
LoansQ1 2024vs Q1 2023$556.1MM$459.8MM
DepositsQ1 2024vs Q1 2023$781.9MM$735.5MM
Equity CapitalQ1 2024vs Q1 2023$92MM$80.3MM
Loan Loss AllowanceQ1 2024vs Q1 2023$6.2MM$5.3MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$9.3MM$12.8MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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Always verify rates and promotions with the bank or credit union. We are not Oxford 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.

Oxford Bank Savings Account Rates

1.30%*$500k*-Business Savings Account
OTHER TIERS: 0.55% $0 - $100k | 1.10% $100k - $500k
1.00%*$0$50kKasasa Saver
OTHER TIERS: 0.35% $50k+
OTHER TIERS: 0.35% $0 - $20k | 0.36% $20k - $50k | 0.37% $50k - $100k

Oxford Bank Money Market Rates

1.40%*$500k*-Money Market Account
OTHER TIERS: 0.37% $0 - $50k | 0.44% $50k - $100k | 0.99% $100k - $250k | 1.10% $250k - $500k

Oxford Bank Checking Account Rates

4.85%*$0$15kKasasa Cash
OTHER TIERS: 0.25% $15k+

Oxford Bank CD Rates

5.39%$10k-4 Month CD Special
5.13%$50k-8 Month CD Special
4.34%$500-11 Month CD Special
4.18%$500-11 Month CD
3.03%$500-15 Month CD
2.53%$500-18 Month CD Special
2.53%$500-14 Month CD Special
2.53%$500-15 Month CD Special
2.53%$500-16 Month CD Special
2.53%$500-20 Month CD Special
2.53%$500-25 Month CD Special
2.12%$500- 14 Month CD
0.31%$500-72 Month CD
0.29%$500-60 Month CD
0.27%$500-48 Month CD
0.25%$500-36 Month CD
0.20%$500-30 Month CD
0.15%$500-9 Month CD
0.15%$500-12 Month CD
0.15%$500-18 Month CD
0.15%$500-24 Month CD
0.15%$500-13 Month CD
0.10%$500-6-7 Month CD
0.05%$500-3 Month CD

Oxford Bank Locations
Lake Orion Branch1115 South Lapeer RoadLake Orion, MI 48360
Ortonville Branch345 Ortonville RoadOrtonville, MI 48462
Addison-Oaks Branch35 Rochester RoadOakland Township, MI 48363
Dryden Branch5459 Main StreetDryden, MI 48428
Oxford Bank60 S Washington StOxford, MI 48371
Davison Branch600 North State RoadDavison, MI 48423
Clarkston Branch7199 North Main StreetClarkston, MI 48346

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