Skip to Main Content

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

Assistant Vice President, Branch and Consumer Loan Manager
Assistant Vice President, Branch Manager
Vice President, Branch Manager
Vice President, Branch Manager
Vice President, Branch Manager, Treasury Management Officer
Vice President, Branch Manager

Current Rates

First Personal Savings

The minimum to open is $100. A minimum monthly balance of $300- is required to avoid fees.
Current First Personal Savings Rates
Balance Interest Rate APY *
$0+ 0.02% 0.02%
*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.
Last updated on 09/23/2022.

First Growth Money Market

The minimum to open is $100. A minimum monthly balance of $10,000 is required to avoid fees.
Current First Growth Money Market Rates
Balance Interest Rate APY *
$0-$9,999 0.01% 0.01%
$10,000-$49,999 0.02% 0.02%
$50,000-$99,999 0.05% 0.05%
$100,000-$249,999 0.15% 0.15%
$250,000+ 0.20% 0.20%
*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.
Last updated on 09/23/2022.

Health Savings Account

The minimum to open is $100. Average monthly balance of $1,000 is required to avoid fees.
Current Health Savings Account Rates
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%
*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.
Last updated on 09/23/2022.

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.