Manage your account anytime on our app
Enjoy extra perks and convenience.
Enjoy life without worrying about fees
Whether you're in high school, college or trade school, life gets busy. We get it, which is why we designed an account that doesn't penalize you for making an occasional overdraft. Earn money through dividends on deposits, save money with an auto loan discount, and spend money on what you want – not on overdraft fees. Manage your account anytime through online and mobile banking.
- Open to young adults ages 18 to 25 (and age 17 with parental oversight)
- Earn competitive dividends on deposits
- Free Mastercard® debit/ATM card
- Access to over 30,000 surcharge-free ATMs (over 1,600 in Michigan)
- Free online and mobile banking
- 1% discount on auto loans
- 24/7 member service through our 365 Live Call Center
- Pay bills electronically
- Write an unlimited number of checks
- Enjoy MoneyNow Overdraft Protection and Oops Overdraft Forgiveness
- Is Your Card Contactless? If your card has this symbol on the back, you can tap to pay. If you have questions about contactless cards, please call our 365 Live Team at 800.664.3828.
Michigan First is a full-service credit union with branches that are easily accessible around Metro Detroit, Grand Rapids and mid-Michigan.
First Gear Account Dividends
|APY1||Dividend Rate||Daily Balance|
|0.00%||0.00%||$1 to $10,000|
|0.10%||0.10%||$10,000.01 and up|
1APY = Annual Percentage Yield. Minimum balances listed is to open an account and to earn the advertised APY. All dividends and APYs are accurate as of today, and subject to change at any time. Fees may reduce earnings on accounts. For current dividends, please contact us.
Debit Card Designs