FDIC-Insured — Backed by the full faith and credit of the U.S. Government
Personal Savings
FNBM believes in giving you the tools you need to succeed financially and personally by helping you save for the future or the unexpected.
FNBM Savings Solutions
Personal Savings
Our Personal Savings accounts are perfect for customers who are ready to start saving. We even waive the $300 minimum balance for minors.
Money Market Savings
Build your savings with our Money Market accounts. These accounts earn competitive interest on balances of $10,000 and higher.
Health Savings Accounts
These tax-advantaged accounts enable you to save for qualified medical expenses and offers free debit card and ATM access.
Individual Retirement Accounts
Also known as IRA accounts, these accounts help you safely save for retirement by offering steady returns.
Insured Cash Sweep
Through Promontory Interfinancial Services, we offer ICS services to insure your deposits of up to $100 million while only working with your local bank.
Find Your Local Personal Banker
Current Rates
First Personal Savings
The minimum to open is $100. A minimum monthly balance of $300- is required to avoid fees.
*APY = Annual Percentage Yield. APY is based on a $2,500 balance for 12 months. Current rates are subject to change. Fees could reduce earnings.
| Balance | Interest Rate | APY * |
|---|---|---|
| $0+ | 0.10% | 0.10% |
Last updated on 02/03/2025.
First Growth Money Market
The minimum to open is $100. A minimum monthly balance of $10,000 is required to avoid fees.
*APY = Annual Percentage Yield. APY is based on a $2,500 balance for 12 months. Current rates are subject to change. Fees could reduce earnings.
| Balance | Interest Rate | APY * |
|---|---|---|
| $0-$9,999 | 0.15% | 0.15% |
| $10,000-$49,999 | 0.25% | 0.25% |
| $50,000-$99,999 | 0.35% | 0.35% |
| $100,000-$249,999 | 0.50% | 0.50% |
| $250,000+ | 1.00% | 1.00% |
Last updated on 02/03/2025.
Health Savings Account
The minimum to open is $100. Average monthly balance of $1,000 is required to avoid fees.
*APY = Annual Percentage Yield. APY is based on a $2,500 balance for 12 months. Current rates are subject to change. Fees could reduce earnings.
| Balance | Interest Rate | APY * |
|---|---|---|
| $0-$2,499 | 0.01% | 0.01% |
| $2,500-$4,999 | 0.01% | 0.01% |
| $5,000+ | 0.01% | 0.01% |
Last updated on 02/03/2025.
The FNBM Difference Working for You
We believe in local leadership and local decision making.
We understand that direct access to your banker is important.
We know the importance of giving back to our community.
Learn more about why First National Bank of Michigan is right for you.