Manage your account anytime on our app
Enjoy extra perks and convenience.
Free online and mobile banking
Overdraft Forgiveness
Discount on auto loans
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 |
| 0.25% | 0.25% | $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
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.
