Michigan First Credit Union
Bank
Savings Accounts
Earn 10.00% APY on your savings

Grab our very best rate yet on SavingsPlus balances up to $5,000
Borrow
Lending
Unexpected expense? Meet MinuteMoney.

Get emergency cash with no credit check required.
Business
Credit Cards
More purchasing power for your business

Manage expenses with competitive rates and no annual fee.
Mortgage
Down Payment Assistance
Your down payment may be closer than you think

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Protect
Insure
Michigan First Insurance Agency makes insurance shopping easy

Let our agents compare quotes from 40+ carriers for you.
Learn
Education
Stay on step ahead of fraud

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About
About Us
A century of putting people first

Explore the people, milestones and mission behind Michigan First.

Business Certificate Accounts

Lock in a fixed rate and put excess business cash to work.
Predictable earnings
Multiple term options
Built for longer-term savings
Explore Business Savings Accounts

Plan ahead with a business certificate.

A Business Certificate can help your company earn a fixed return on money it does not need immediate access to.

Choose an available term based on your timeline, then let your balance earn until maturity. When the certificate matures, you can use the funds, reinvest them, or put them toward another business goal.

When could a Business Certificate make sense?

Certificates may be useful when your business is setting aside money for:

  • Future equipment purchases
  • Expansion plans
  • Capital improvements
  • Tax obligations
  • Long-term reserves
  • Other planned expenses

Business Certificate rates

Available APYs and dividend rates vary by term and balance.

Need more access to your savings?

A Business Money Market Account may be a better fit if you want dividend-earning potential but expect to access the funds more regularly.
Explore All Rates
Rates that mean business.
Certificate Term
24 Month Certificate
as high as
2.53% APY
Certificate Term
60 Month Certificate
as high as
3.04% APY

Frequently asked questions

View All FAQs

Michigan First deposits are federally insured by the National Credit Union Administration (NCUA) for up to $250,000 and privately insured by Excess Share Insurance for up to an additional $250,000. Together, this provides up to $500,000 in coverage for qualifying deposits based on account ownership category. Coverage applies to eligible checking, savings, money market, and certificate accounts.

Michigan First offers business checking and money market accounts, along with online and mobile banking, business debit cards, and additional services designed to help businesses manage their finances. Available features vary by account.

Resources to help your business move forward.
Digital Banking
Payroll Services
Security Center
Knowledge to support your business.
Online Learning
Build a personalized learning playlist

Online learning modules built to help you reach your financial goals.

Online Learning

Financing for your business goals.

Fund equipment, expansion and other long-term business investments.
Explore Term Loans