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 interest 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 rates 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
- No monthly service fee for first three months*
- 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
Michigan First is a full-service credit union with branches that are easily accessible around Metro Detroit, Grand Rapids and mid-Michigan.
* Minimum account aggregate balance of $100 required to avoid additional fee of $3/month.
First Gear Checking Account Rates
|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 rates and APYs are accurate as of today, and subject to change at any time. Fees may reduce earnings on accounts. For current rates, please contact us.