Getting more is music to your ears.

4.33% APY* on a 16 Month Certificate Account. 

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.

Click here to open a 16-Month Certificate Account and enjoy a guaranteed dividend rate of 4.33% 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  4.33% 4.25% $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+

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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