Bank · FDIC insured
First National Bank of Michigan CD Rates
First National Bank of Michigan’s best CD rate is 3.45% APY on a 2-year CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How First National Bank of Michigan’s CD rates compare
Compared with banks and credit unions near Kalamazoo, MI, where First National Bank of Michigan has the most branches. $10,000, best rate first.
This bank’s best
First National Bank of Michigan
3.04%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $617
Certificate of Deposit
Top rate
Ignite Credit Union
4.70%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $50
- Earns on $10,000
- $591
2nd-highest rate
Advia Credit Union
4.61%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $422
First National Bank of Michigan CD score
68
CD score
Higher than 20% of U.S. banks and credit unions
- 3–8 months3–8 mo2.02%
- 9–15 months9–15 mo2.53%
- 16–30 months16–30 mo3.04%
- 31–60 months31–60 mo2.78%
- QualifiedQualified3.04%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where First National Bank of Michigan ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
3-Year Rising Rate Certificate of Deposit
Up to 5.00%APY · 1 term
Interest is compounded monthly. The minimum deposit is $10,000. A 10-day option to withdraw is available at the end of each one-year term. A penalty for early withdrawals applies at other times. No brokered deposits. Terms assume all funds remain on deposit for the full term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsYear 1 term. Full product term is 36 months (3 one-year terms). 10-day option to withdraw at the end of each one-year term; early withdrawal penalty applies at other times. No brokered deposits | 4.50% | $1,412 |
| 36 monthsYear 2 term. Full product term is 36 months (3 one-year terms). 10-day option to withdraw at the end of each one-year term; early withdrawal penalty applies at other times. No brokered deposits | 4.75% | $1,494 |
| 36 monthsYear 3 term. Full product term is 36 months (3 one-year terms). 10-day option to withdraw at the end of each one-year term; early withdrawal penalty applies at other times. No brokered deposits | 5.00% | $1,576 |
Sources (1)
- fnbmichigan.bank/products/pers…ates-of-deposit-personal · captured Oct 5, 2026
Rising Rate Certificate of Deposit
Up to 4.75%APY · 1 term
Interest is compounded monthly. The minimum deposit is $10,000. There is a 10-day option to withdraw at the end of each six-month term. A penalty for early withdrawals applies at other times. No brokered deposits. Assumes all funds remain on deposit for the full term (18 months total across 3 terms).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsFirst 6-month Term. Full product term is 18 months (3 six-month terms). 10-day option to withdraw at the end of each six-month term; early withdrawal penalty applies at other times. No brokered deposits | 4.25% | $644 |
| 18 monthsSecond 6-month Term. Full product term is 18 months (3 six-month terms). 10-day option to withdraw at the end of each six-month term; early withdrawal penalty applies at other times. No brokered deposits | 4.50% | $683 |
| 18 monthsThird 6-month Term. Full product term is 18 months (3 six-month terms). 10-day option to withdraw at the end of each six-month term; early withdrawal penalty applies at other times. No brokered deposits | 4.75% | $721 |
Sources (1)
- fnbmichigan.bank/products/pers…ates-of-deposit-personal · captured Sep 18, 2026
Certificate of Deposit Special
Up to 4.35%APY · 2 terms
A $10,000 minimum deposit is required. Early withdrawal penalties will apply if funds are withdrawn prior to maturity. Brokered deposits are not eligible for this offer. Limited-time offer.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsBrokered deposits are not eligible. Early withdrawal penalty applies | 4.20% | $243 |
| 12 monthsBrokered deposits are not eligible. Early withdrawal penalty applies | 4.35% | $435 |
Sources (1)
- fnbmichigan.bank/products/pers…ates-of-deposit-personal · captured Oct 5, 2026
Certificate of Deposit
Up to 3.04%APY · 11 terms
The minimum to open is $2,500. A penalty may be imposed for early withdrawal. APY is based on a $2,500 balance for entire designated CD term.
| Term | APY · Up to $49,999 | APY · $50,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 1 month30 Day term | 1.26% | 1.46% | 1.66% | 1.26%1.46% $50k–$100k1.66% from $100k | $10 |
| 2 months60 Day term | 1.51% | 1.71% | 1.92% | 1.51%1.71% $50k–$100k1.92% from $100k | $25 |
| 3 months90 Day term | 1.76% | 1.97% | 2.17% | 1.76%1.97% $50k–$100k2.17% from $100k | $44 |
| 6 months6 Month term | 2.02% | 2.22% | 2.43% | 2.02%2.22% $50k–$100k2.43% from $100k | $100 |
| 9 months9 Month term | 2.27% | 2.48% | 2.68% | 2.27%2.48% $50k–$100k2.68% from $100k | $170 |
| 12 months1 Year term | 2.53% | 2.73% | 2.94% | 2.53%2.73% $50k–$100k2.94% from $100k | $253 |
| 18 months18 Month term | 2.78% | 2.99% | 3.20% | 2.78%2.99% $50k–$100k3.20% from $100k | $420 |
| 24 months2 Year term | 3.04% | 3.25% | 3.45% | 3.04%3.25% $50k–$100k3.45% from $100k | $617 |
| 36 months3 Year term | 2.78% | 2.99% | 3.20% | 2.78%2.99% $50k–$100k3.20% from $100k | $857 |
| 48 months4 Year term | 2.53% | 2.70% | 2.94% | 2.53%2.70% $50k–$100k2.94% from $100k | $1,051 |
| 60 months5 Year term | 2.53% | 2.73% | 2.94% | 2.53%2.73% $50k–$100k2.94% from $100k | $1,331 |
Sources (1)
- fnbmichigan.bank/products/pers…ates-of-deposit-personal · captured Sep 18, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.