Our team is dedicated to empowering our members with personalized solutions that fit their banking needs. Find freedom and flexibility for your finances with competitive rates and earnings, tailored financial advice, and a team that is committed to you. Checking accounts for your normal banking needs, savings accounts to help you reach your goals, and investments to secure your financial future. Each account comes with its own benefits and perks, so you can choose the products that work for you.
Explore Our Accounts
We have a variety of checking products that help make managing your money easy. Find the one that best fits your needs, and open an account today.
Premier Checking |
Classic Checking |
First Gear Checking |
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A checking account that helps you manage your money more efficiently, even with a busy schedule. |
A checking account that helps with building better money management - ideal for those beginning a new financial journey. |
Whether you're in high school, college or trade school, life gets busy. We designed an account for young adults (17-25) that doesn't penalize you for making an occasional overdraft. |
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Pay Bills Electronically |
Yes |
Yes |
Yes |
| Access to over 30,000 Surcharge-Free ATMs (over 1,600 in Michigan) |
Yes |
Yes |
Yes |
| Free Mastercard® Debit/ATM Card |
Yes |
Yes |
Yes |
No Monthly Fees |
Yes |
No |
Yes |
Learn More |
Learn More |
Learn More |
A checking account that helps you manage your money more efficiently, even with a busy schedule.
Pay Bills Electronically Yes Access to over 30,000 Surcharge-Free ATMs (over 1,600 in Michigan) Yes Free Mastercard® Debit/ATM Card Yes
No Monthly Fees
Learn More
A checking account that helps with building better money management - ideal for those beginning a new financial journey.
Pay Bills Electronically Yes Access to over 30,000 Surcharge-Free ATMs (over 1,600 in Michigan) Yes Free Mastercard® Debit/ATM Card No
No Monthly Fees
Learn More
Whether you're in high school, college or trade school, life gets busy. We designed an account for young adults (17-25) that doesn't penalize you for making an occasional overdraft.
Pay Bills Electronically Yes Access to over 30,000 Surcharge-Free ATMs (over 1,600 in Michigan) Yes Free Mastercard® Debit/ATM Card Yes
No Monthly Fees
Learn More
Savings Account |
SavingsPlus Account |
Money Market Account |
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A smart savings plan that can put your finances on track to reach your goals, providing the foundation for a future full of possibilities and the ability to tackle occasional challenges.
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A savings account to grow your money faster by offering a higher dividend rate on accounts for those who prioritize online banking, limit branch visits, and sign up for direct deposit.
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A savings account to take your savings to the next level. Offering convenient access to funds through ATMs, online banking, the mobile app, or branches whenever needed.
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| Earn Competitive Dividends on Deposits |
Yes |
Yes |
Yes |
No Monthly Fee* |
Yes |
Yes |
Yes |
| Overdraft Coverage from Checking Account |
Yes |
Yes |
Yes |
Learn More |
Learn More |
Learn More |
A smart savings plan that can put your finances on track to reach your goals, providing the foundation for a future full of possibilities and the ability to tackle occasional challenges.
Yes Earn Competitive Dividends on Deposits Yes No Monthly Fee* Yes Overdraft Coverage from Checking Account
Learn More
A savings account to grow your money faster by offering a higher dividend rate on accounts for those who prioritize online banking, limit branch visits, and sign up for direct deposit.
Yes Earn Competitive Dividends on Deposits Yes No Monthly Fee* Yes Overdraft Coverage from Checking Account
Learn More
A savings account to take your savings to the next level. Offering convenient access to funds through ATMs, online banking, the mobile app, or branches whenever needed.
Yes Earn Competitive Dividends on Deposits Yes No Monthly Fee* Yes Overdraft Coverage from Checking Account
Learn More
Certificate Accounts guarantee your savings will grow
You've set some ambitious long-term savings goals. Sometimes risky investments aren't the best option. When you need a guaranteed rate of return, a Certificate Account is the safest answer. You can set aside money for six months, five years, or somewhere in between. With guaranteed returns (as long as you don't make an early withdrawal), you will end up with more money than when you started. Open now.
Certificate Account Dividends
| Product | APY1 | Dividend Rate | Daily Balance |
|---|---|---|---|
| 6 Month Certificate Account | 1.00% | 1.00% | $1,000 to $9,999 |
| 6 Month Certificate Account | 4.07% | 4.00% | $10,000 to $49,999 |
| 6 Month Certificate Account | 4.13% | 4.05% | $50,000 to $99,999 |
| 6 Month Certificate Account | 4.18% | 4.10% | $100,000 to $499,999 |
| 6 Month Certificate Account | 4.23% | 4.15% | $500,000 and up |
| 12 Month Certificate Account | 0.50% | 0.50% | $1,000 to $9,999 |
| 12 Month Certificate Account | 3.82% | 3.75% | $10,000 to $49,999 |
| 12 Month Certificate Account | 3.87% | 3.80% | $50,000 to $99,999 |
| 12 Month Certificate Account | 3.92% | 3.85% | $100,000 to $499,999 |
| 12 Month Certificate Account | 3.97% | 3.90% | $500,000 and up |
| 16 Month Certificate Account | 3.56% | 3.50% | $1,000+ |
| 24 Month Certificate Account | 0.75% | 0.75% | $1,000 to $9,999 |
| 24 Month Certificate Account | 2.78% | 2.75% | $10,000 to $49,999 |
| 24 Month Certificate Account | 2.84% | 2.80% | $50,000 to $99,999 |
| 24 Month Certificate Account | 2.89% | 2.85% | $100,000 to $499,999 |
| 24 Month Certificate Account | 3.04% | 3.00% | $500,000 and up |
| 36 Month Certificate Account | 0.85% | 0.85% | $1,000 to $9,999 |
| 36 Month Certificate Account | 3.04% | 3.00% | $10,000 to $49,999 |
| 36 Month Certificate Account | 3.09% | 3.05% | $50,000 to $99,999 |
| 36 Month Certificate Account | 3.14% | 3.10% | $100,000 to $499,999 |
| 36 Month Certificate Account | 3.20% | 3.15% | $500,000 and up |
| 48 Month Certificate Account | 0.95% | 0.95% | $1,000 to $9,999 |
| 48 Month Certificate Account | 3.30% | 3.25% | $10,000 to $49,999 |
| 48 Month Certificate Account | 3.35% | 3.30% | $50,000 to $99,999 |
| 48 Month Certificate Account | 3.40% | 3.35% | $100,000 to $499,999 |
| 48 Month Certificate Account | 3.45% | 3.40% | $500,000 and up |
| 60 Month Certificate Account | 1.00% | 1.00% | $1,000 to $9,999 |
| 60 Month Certificate Account | 3.56% | 3.50% | $10,000 to $49,999 |
| 60 Month Certificate Account | 3.61% | 3.55% | $50,000 to $99,999 |
| 60 Month Certificate Account | 3.66% | 3.60% | $100,000 to $499,999 |
| 60 Month Certificate Account | 3.71% | 3.65% | $500,000 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. A penalty will be imposed for early withdrawal from Certificate Accounts. For current dividends, please contact us.
Resources at your fingertips
Michigan First Credit Union Offers Peace of Mind with $500,000 Coverage!
At Michigan First, we go the extra mile for our members by making sure your money is protected. Deposits at Michigan First Credit Union are federally insured up to $250,000 by the National Credit Union Administration (NCUA). To further protect your deposits, Michigan First provides additional coverage through Excess Share Insurance (ESI), creating a combination of federal and private share deposit insurance that protects your deposits for a total of $500,000 — including savings accounts, checking accounts, money market accounts, and certificate accounts.
This combination of NCUA and ESI coverage ensures that:
- All individual savings, checking and certificate accounts held by the same member are added together and insured up to $250,000 by the NCUA and an additional $250,000 by ESI.
- All joint accounts held by the same member are added together and insured up to $250,000 by the NCUA and an additional $250,000 by ESI.
- All IRA accounts held by the same person are added together and insured up to $250,000 by the NCUA and an additional $250,000 by ESI.
Both ESI and NCUA offer coverage payable upon failure and liquidation of the credit union. In order to continue providing the expanded protection, Michigan First adheres to strict underwriting criteria and reports monthly to ESI. If you have questions regarding this valuable member benefit, please call 800.664.3828.
Helpful Links
Banking Forms
Dividends, Fees
- Address Change Form
- ATM/Debit Card Application
- ATM/Debit Card Pin Reorder
- ATM/Debit Card Reorder for Business
- Debt Protection Enrollment
- ID SafeChoice Enrollment Form
- MoneyPerks® Referral Form
- MoneyNow & Overdraft Form
- Online Banking and Audio Teller Transfer
- Skip-A-Pay Request Form
- Wire Transfer Form
- Wire Transfer Form (International)
Dividends, Fees
Financial goals are not one-size-fits-all
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