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Thumb National Bank and Trust Company


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
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
Bonus Amount
up to $300
Our Rating
4.2  / 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
www.thumb.bank
989-453-3113
7254 Michigan Avenue
Pigeon, MI 48755

Thumb National Bank and Trust Company is headquartered in PIGEON and is the 23rd largest bank in the state of Michigan. It is also the 1,449th largest bank in the nation. It was established in 1895 and as of March of 2025, it had grown to 104 employees at 14 locations. Thumb National Bank and Trust Company's money market rates are 3X the national average, and it has an A health rating.

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #14513
Year Established1895
Employees104
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.41%
Return on Equity - YTD16.06%
Annual Interest Income$8.1MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$659.1MM$617.1MM
LoansQ1 2025vs Q1 2024$354MM$311.6MM
DepositsQ1 2025vs Q1 2024$596.7MM$561.1MM
Equity CapitalQ1 2025vs Q1 2024$59.7MM$54.2MM
Loan Loss AllowanceQ1 2025vs Q1 2024$4.1MM$3.8MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$163K$222K
Real Estate OwnedQ1 2025vs Q1 2024$0$556K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
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
Bonus Amount
up to $300
Our Rating
4.2  / 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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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Thumb National Bank and Trust Company Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$10-Christmas/Vacation Club Savings Account
0.05%$0-Personal Savings Account

Thumb National Bank and Trust Company Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.41%*$75k*-Tiered Money Market Account
OTHER TIERS: 0.05% → $0 - $5k | 0.07% → $5k - $25k | 0.12% → $25k - $50k | 0.50% → $50k - $75k

Thumb National Bank and Trust Company Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.02%$0-Secure Checking Plus Account

Thumb National Bank and Trust Company CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.27%$500-1 Year CD
2.02%$500-5 Year CD
1.76%$1k-6 Month CD
0.75%$500-4 Year CD
0.65%$500-3 Year CD
0.60%$500-30 Month CD
0.55%$500-2 Year CD
0.50%$500-18 Month CD
0.45%$500-15 Month CD
0.40%$500-9 Month CD
0.30%$1k-100 Day CD
0.30%$5k-7 Month No Penalty CD
0.15%$500-1 Month CD

Thumb National Bank and Trust Company IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.27%$50-1 Year Traditional IRA
2.02%$50-5 Year Traditional IRA
0.75%$50-4 Year Traditional IRA
0.65%$50-3 Year Traditional IRA
0.60%$50-30 Month Traditional IRA
0.55%$50-2 Year Traditional IRA
0.50%$50-18 Month Traditional IRA
0.45%$50-15 Month Traditional IRA
0.40%$50-9 Month Traditional IRA
Locations


Thumb National Bank and Trust Company Locations
Bay City-Wilder Road Branch2985 East Wilder RoadBay City, MI 48706
Cass City Road Branch6128 East Cass City RoadElkland Township, MI 48726
Bay City-Center Road Office Branch708 Center Ave, Suite 1Bay City, MI 48708
Caseville Branch7100 Main StreetCaseville, MI 48725
Thumb National Bank and Trust Company7254 Michigan AvePigeon, MI 48755
Bad Axe Branch1 E. Huron Ave Suite ABad Axe, MI 48413
Marlette Branch2592 South Van Dyke RoadMarlette, MI 48453

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