Bank · FDIC insured
First National Bank of Michigan Savings Rates
First National Bank of Michigan’s best savings rate is 0.25% APY on $10,000, with its First Growth Money Market. Rates checked October 16, 2026.
How First National Bank of Michigan’s savings 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
0.25%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $25
First Growth Money Market
Top rate
Ignite Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
Flagstar Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
First National Bank of Michigan savings score
71
Savings score
Higher than 29% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.25%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
First Growth Money Market
0.25%APY
A minimum monthly balance of $10,000 is required to avoid fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $9,999APY is based on a $2,500 balance for 12 months. A minimum monthly balance of $10,000 is required to avoid fees. | 0.15% | — | APY is based on a $2,500 balance for 12 months. A minimum monthly balance of $10,000 is required to avoid fees. |
| $10,000 – $49,999APY is based on a $2,500 balance for 12 months. A minimum monthly balance of $10,000 is required to avoid fees. | 0.25% | $25 | APY is based on a $2,500 balance for 12 months. A minimum monthly balance of $10,000 is required to avoid fees. |
| $50,000 – $99,999APY is based on a $2,500 balance for 12 months. A minimum monthly balance of $10,000 is required to avoid fees. | 0.35% | — | APY is based on a $2,500 balance for 12 months. A minimum monthly balance of $10,000 is required to avoid fees. |
| $100,000 – $249,999APY is based on a $2,500 balance for 12 months. A minimum monthly balance of $10,000 is required to avoid fees. | 0.50% | — | APY is based on a $2,500 balance for 12 months. A minimum monthly balance of $10,000 is required to avoid fees. |
| $250,000 and upAPY is based on a $2,500 balance for 12 months. A minimum monthly balance of $10,000 is required to avoid fees. | 1.00% | — | APY is based on a $2,500 balance for 12 months. A minimum monthly balance of $10,000 is required to avoid fees. |
Sources (1)
- fnbmichigan.bank/products/pers…banking/personal-savings · captured Oct 5, 2026
Special-purpose accounts
First Personal Savings
0.10%APY
Minimum monthly balance of $300 required to avoid fees; $300 minimum balance waived for minors. APY is based on a $2,500 balance for 12 months.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceA minimum monthly balance of $300 is required to avoid fees (waived for minors). APY is based on a $2,500 balance for 12 months.Any balance | 0.10% | $10 | A minimum monthly balance of $300 is required to avoid fees (waived for minors). APY is based on a $2,500 balance for 12 months. |
Sources (1)
- fnbmichigan.bank/products/pers…banking/personal-savings · captured Oct 5, 2026
Health Savings Account
0.01%APY
Average monthly balance of $1,000 is required to avoid fees. Free debit card and ATM access. APY is based on a $2,500 balance for 12 months.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,499Average monthly balance of $1,000 required to avoid fees. APY is based on a $2,500 balance for 12 months. | 0.01% | — | Average monthly balance of $1,000 required to avoid fees. APY is based on a $2,500 balance for 12 months. |
| $2,500 – $4,999Average monthly balance of $1,000 required to avoid fees. APY is based on a $2,500 balance for 12 months. | 0.01% | — | Average monthly balance of $1,000 required to avoid fees. APY is based on a $2,500 balance for 12 months. |
| $5,000 and upAverage monthly balance of $1,000 required to avoid fees. APY is based on a $2,500 balance for 12 months. | 0.01% | $1 | Average monthly balance of $1,000 required to avoid fees. APY is based on a $2,500 balance for 12 months. |
Sources (1)
- fnbmichigan.bank/products/pers…banking/personal-savings · captured Oct 5, 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.