Great Rates. Guaranteed Returns.
Don't just earn more, get more. Our 16-month certificate account offers a great way to earn more in dividends than a traditional savings account. They're NCUA insured up to applicable limits with additional coverage through Excess Share Insurance, ensuring your money is secure and safe, and the dividends are fixed for the entire term — even if the market shifts. Plus experience all the benefits of membership with Michigan First.
Visit a branch to open a 16-Month Certificate Account and enjoy a guaranteed dividend rate of 4.59% Annual Percentage Yield (APY) with a minimum opening balance of $1,000. Limited time only.
Visit a branch to open a 16-Month Certificate Account and enjoy a guaranteed dividend rate of 4.59% Annual Percentage Yield (APY) with a minimum opening balance of $1,000. Limited time only.
| Product | APY1 | Dividend Rate | Daily Balance |
|---|---|---|---|
| 16 Month Certificate Account | 4.59% | 4.50% | $1,000+ |
Strengthen Your Savings
Introducing a brand new SavingsPlus tier. The more you put into your savings account with Michigan First, the more you earn. If you limit your trips to our branches, do most of your banking online, and sign up for direct deposit, you'll qualify for our SavingsPlus account and be rewarded with a higher dividend rate. It's an easy way to put more money in your pocket. Additional benefits include:
- 24/7 Local Call Center Access
- Personalized Service
- Access to over 1,600 fee-free CO-OP ATMs in Michigan
| APY1 | Dividend Rate3 | Daily Balance |
|---|---|---|
| 1.00% | 1.00% | $1 to $4,999 |
| 3.04% | 3.00% | $5,000 to $99,999 |
| 3.56% | 3.50% | $100,000+ |
1APY = Annual Percentage Yield. Minimum balances listed is to open an account and to earn the advertised APY. APY is effective as of 05/01/2023.All rates and APYs are accurate as of today, and subject to change at any time. Fees may reduce earnings on accounts. A penalty will be imposed for early withdrawal from Certificate Accounts. For current dividends, please contact us.
3 In order to qualify for the SavingsPlus dividends you must fulfill all the conditions below:
(a) Receive your monthly statements electronically. (b) Maintain a Michigan First Premier Checking Account. (c) Perform no more than 2 “in-person” and/or “mail-in” transactions a month. (d) Maintain a minimum of $400 deposited through Direct Deposit in any Michigan First account. (e) Use your Michigan First Debit Card 10 or more times a month for signature based purchases (transactions made online and over the phone as well as those for which you choose credit and sign the receipt are considered signature-based transactions). Debit transactions have to post within the month authorized in order to qualify for the SavingsPlus dividends. If you do not meet these conditions, you will receive the dividends shown under “Savings Plus (without bonus dividends)”
3 In order to qualify for the SavingsPlus dividends you must fulfill all the conditions below:
(a) Receive your monthly statements electronically. (b) Maintain a Michigan First Premier Checking Account. (c) Perform no more than 2 “in-person” and/or “mail-in” transactions a month. (d) Maintain a minimum of $400 deposited through Direct Deposit in any Michigan First account. (e) Use your Michigan First Debit Card 10 or more times a month for signature based purchases (transactions made online and over the phone as well as those for which you choose credit and sign the receipt are considered signature-based transactions). Debit transactions have to post within the month authorized in order to qualify for the SavingsPlus dividends. If you do not meet these conditions, you will receive the dividends shown under “Savings Plus (without bonus dividends)”
Experience the benefits of banking undefined
Our team understands that your unique financial situation doesn't have a one-size-fits-all solution; that's why we work with you to develop a customized plan that will help you achieve your goals. And we're right there with you every step of the way.
Here are just a few of the reasons you'll love Michigan First
- We have a local call center that's open 24/7, 365 days a year
- We make sure our members have the opportunity to start fresh. We don't let your past financial choices define your future
- We're dedicated to community giving; our efforts support local charities, businesses and organizations
- You'll have access to 1,600+ surcharge-free CO-OP ATMs across Michigan and 30,000+ ATMs nationwide
- We offer competitive rates for auto loans, personal loans and more
And that's just the beginning. There are many more benefits to becoming a Michigan First member. Learn more by visiting a branch to open an account.
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