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Bank of Ann Arbor

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Bank of Ann Arbor Rates & Review November 2026

Q: What are the current interest rates at Bank of Ann Arbor?

Current rates for Bank of Ann Arbor include: 12-Month CD: 3.35%, 18-Month CD: 3.35%, 24-Month CD: 3.50%, 48-Month CD: 3.50%, 60-Month CD: 3.50%, Savings: 3.50%

Q: What CD terms does Bank of Ann Arbor offer?

Bank of Ann Arbor CD rates are 3.35% APY for a 12 month CD, 3.35% APY for an 18 month CD, 3.50% APY for a 2 year CD, 3.50% APY for a 4 year CD and 3.50% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Bank of Ann Arbor for its full lineup.

Q: How many branches does Bank of Ann Arbor operate?

Bank of Ann Arbor currently maintains approximately 18 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Bank of Ann Arbor's 2 Year Retail CD rates are at 3.50%, 4 Year Retail CD rates are at 3.50%, 5 Year Retail CD rates are at 3.50%, 12-Month Retail CD rates are at 3.35%, 18-Month Retail CD rates are at 3.35%. Bank of Ann Arbor's savings rates are at 3.50%. Bank of Ann Arbor's Personal Loan Rates are as low as 11.46%. Bank of Ann Arbor's top CD rate of 3.50% APY on a 2 year CD is 19% higher than the MonitorBankRates national average of 2.94% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Bank of Ann Arbor with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.88%. Rates last updated and verified on 11/05/2026.

Bank of Ann Arbor money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Bank of Ann Arbor? Share your experience about Bank of Ann Arbor by leaving a review below, or read customer reviews before you decide to use Bank of Ann Arbor.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.88%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Bank of Ann Arbor

125 S 5th Ave
Ann Arbor, MI 48104

https://www.bankofannarbor.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Bank of Ann Arbor CD Rates

Product	Rate	APY	Term	Min. Deposit
2-Year Retail CD	3.46%	3.50%	2 Year	$1,000
Min Deposit $1,000 Min Balance $1,000 Details For deposits of $1,000 to $99,999; A penalty may be imposed for early withdrawal; Rates effective as of 11/02/2026 - 11/08/2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
270 - 365 Day Jumbo CD	3.50%	3.50%	270-365 Days	$100,000
Min Deposit $100,000 Details Interest Rate (Autopay Discount); Rates effective 11/02/2026 - 11/08/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 24, 2026 · 3.10% → 3.50% ▲ 0.40 pts · high 3.50% / low 3.10% Oct 14, 20263.50%▲ from 3.10% Sep 24, 20263.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
4-Year Retail CD	3.46%	3.50%	4 Year	$1,000
Min Deposit $1,000 Min Balance $1,000 Details For deposits of $1,000 to $99,999; A penalty may be imposed for early withdrawal; Rates effective as of 11/02/2026 - 11/08/2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
5-Year Retail CD	3.46%	3.50%	5 Year	$1,000
Min Deposit $1,000 Min Balance $1,000 Details For deposits of $1,000 to $99,999; A penalty may be imposed for early withdrawal; Rates effective as of 11/02/2026 - 11/08/2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
12-Month Retail CD	3.31%	3.35%	12 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details For deposits of $1,000 to $99,999; A penalty may be imposed for early withdrawal; Rates effective as of 11/02/2026 - 11/08/2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
18-Month Retail CD	3.31%	3.35%	18 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details For deposits of $1,000 to $99,999; A penalty may be imposed for early withdrawal; Rates effective as of 11/02/2026 - 11/08/2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
120 - 179 Day Jumbo CD	3.30%	3.30%	120-179 Days	$100,000
Min Deposit $100,000 Details Interest Rate (Autopay Discount); Rates effective 11/02/2026 - 11/08/2026 Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 3.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
180 - 269 Day Jumbo CD	3.30%	3.30%	180-269 Days	$100,000
Min Deposit $100,000 Details Interest Rate (Autopay Discount); Rates effective 11/02/2026 - 11/08/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 24, 2026 · 3.20% → 3.30% ▲ 0.10 pts · high 3.30% / low 3.20% Oct 14, 20263.30%▲ from 3.20% Sep 24, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
90 - 119 Day Jumbo CD	3.25%	3.25%	90-119 Days	$100,000
Min Deposit $100,000 Details Interest Rate (Autopay Discount); Rates effective 11/02/2026 - 11/08/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 24, 2026 · 3.35% → 3.25% ▼ 0.10 pts · high 3.35% / low 3.25% Oct 14, 20263.25%▼ from 3.35% Sep 24, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
6-Month Retail CD	3.17%	3.20%	6 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details For deposits of $1,000 to $99,999; A penalty may be imposed for early withdrawal; Rates effective as of 11/02/2026 - 11/08/2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
3-Month Retail CD	3.12%	3.15%	3 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details For deposits of $1,000 to $99,999; A penalty may be imposed for early withdrawal; Rates effective as of 11/02/2026 - 11/08/2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
30 - 89 Day Jumbo CD	1.60%	1.60%	30-89 Days	$100,000
Min Deposit $100,000 Details Interest Rate (Autopay Discount); Rates effective 11/02/2026 - 11/08/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 24, 2026 · 1.40% → 1.60% ▲ 0.20 pts · high 1.60% / low 1.40% Oct 14, 20261.60%▲ from 1.40% Sep 24, 20261.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
7 - 29 Day Jumbo CD	1.30%	1.30%	7-29 Days	$100,000
Min Deposit $100,000 Details Interest Rate (Autopay Discount); Rates effective 11/02/2026 - 11/08/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 24, 2026 · 1.10% → 1.30% ▲ 0.20 pts · high 1.30% / low 1.10% Oct 14, 20261.30%▲ from 1.10% Sep 24, 20261.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

Bank of Ann Arbor Savings Rates

Product	Rate	APY
Health Savings Account	3.45%	3.50%
Min Deposit $50 Min Balance $10,000 Details Balance: $10,000 or more; Rate is variable and may change after the account is opened; Rates effective 11/02/2026 - 11/08/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25% Oct 14, 20263.50%▲ from 3.25% Sep 18, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Money Market Savings	1.64%	1.65%
Min Deposit $500 Min Balance $1,000,000 Details Balance: $1,000,000 - 2,999,999; Rate is variable; Rates effective 11/02/2026 - 11/08/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 1.40% → 1.65% ▲ 0.25 pts · high 1.65% / low 1.40% Oct 14, 20261.65%▲ from 1.40% Sep 18, 20261.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Money Market Savings	1.64%	1.65%
Min Deposit $500 Min Balance $3,000,000 Details Balance: $3,000,000 - 4,999,999; Rate is variable; Rates effective 11/02/2026 - 11/08/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 1.40% → 1.65% ▲ 0.25 pts · high 1.65% / low 1.40% Oct 14, 20261.65%▲ from 1.40% Sep 18, 20261.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Money Market Savings	1.64%	1.65%
Min Deposit $500 Min Balance $5,000,000 Details Balance: $5,000,000 or more; Rate is variable; Rates effective 11/02/2026 - 11/08/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 1.40% → 1.65% ▲ 0.25 pts · high 1.65% / low 1.40% Oct 14, 20261.65%▲ from 1.40% Sep 18, 20261.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Money Market Savings	1.54%	1.55%
Min Deposit $500 Min Balance $500,000 Details Balance: $500,000 - 999,999; Rate is variable; Rates effective 11/02/2026 - 11/08/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 1.30% → 1.55% ▲ 0.25 pts · high 1.55% / low 1.30% Oct 14, 20261.55%▲ from 1.30% Sep 18, 20261.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Health Savings Account	1.49%	1.50%
Min Deposit $50 Min Balance $5,000 Details Balance: $5,000 - 9,999; Rate is variable and may change after the account is opened; Rates effective 11/02/2026 - 11/08/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 1.25% → 1.50% ▲ 0.25 pts · high 1.50% / low 1.25% Oct 14, 20261.50%▲ from 1.25% Sep 18, 20261.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Money Market Savings	1.45%	1.45%
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 - 499,999; Rate is variable; Rates effective 11/02/2026 - 11/08/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 1.20% → 1.45% ▲ 0.25 pts · high 1.45% / low 1.20% Oct 14, 20261.45%▲ from 1.20% Sep 18, 20261.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Savings, Statement Savings	1.15%	1.15%
Min Deposit $100 Min Balance $100 Details Balance: $100 or more; Account must have $100 or more to earn interest; Rate is variable and may change after the account is opened; Rates effective 11/02/2026 - 11/08/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 27, 2026 · 1.00% → 1.15% ▲ 0.15 pts · high 1.15% / low 1.00% Oct 14, 20261.15%▲ from 1.00% Sep 27, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Youth Savings Account	1.15%	1.15%
Min Deposit $10 Min Balance $0 Details Balance: $0 or more; Rate is variable and may change after the account is opened; Rates effective 11/02/2026 - 11/08/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 1.00% → 1.15% ▲ 0.15 pts · high 1.15% / low 1.00% Oct 14, 20261.15%▲ from 1.00% Sep 18, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Money Market Savings	1.05%	1.05%
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000 - 99,999; Rate is variable; Rates effective 11/02/2026 - 11/08/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 0.95% → 1.05% ▲ 0.10 pts · high 1.05% / low 0.95% Oct 14, 20261.05%▲ from 0.95% Sep 18, 20260.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Health Savings Account	0.75%	0.75%
Min Deposit $50 Min Balance $1,000 Details Balance: $1,000 - 4,999; Rate is variable and may change after the account is opened; Rates effective 11/02/2026 - 11/08/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 0.50% → 0.75% ▲ 0.25 pts · high 0.75% / low 0.50% Oct 14, 20260.75%▲ from 0.50% Sep 18, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Money Market Savings	0.70%	0.70%
Min Deposit $500 Min Balance $5,000 Details Balance: $5,000 - 24,999; Rate is variable; Rates effective 11/02/2026 - 11/08/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 0.60% → 0.70% ▲ 0.10 pts · high 0.70% / low 0.60% Oct 14, 20260.70%▲ from 0.60% Sep 18, 20260.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Health Savings Account	0.45%	0.45%
Min Deposit $50 Min Balance $0 Details Balance: $0 - 999; Rate is variable and may change after the account is opened; Rates effective 11/02/2026 - 11/08/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 0.20% → 0.45% ▲ 0.25 pts · high 0.45% / low 0.20% Oct 14, 20260.45%▲ from 0.20% Sep 18, 20260.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Money Market Savings	0.45%	0.45%
Min Deposit $500 Min Balance $1 Details Balance: $1 - 4,999; Personal account; Excludes Commercial Money Market Savings; $5,000 minimum to open Commercial; Rate is variable; Rates effective 11/02/2026 - 11/08/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 0.35% → 0.45% ▲ 0.10 pts · high 0.45% / low 0.35% Oct 14, 20260.45%▲ from 0.35% Sep 18, 20260.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

Bank of Ann Arbor Money Market Rates

Product	Rate	APY
Money Market Savings	1.64%	1.65%
Min Deposit $500 Min Balance $1,000,000 Details Balance: $1,000,000 - 2,999,999; Rate is variable; Rates effective 11/02/2026 - 11/08/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 1.40% → 1.65% ▲ 0.25 pts · high 1.65% / low 1.40% Oct 14, 20261.65%▲ from 1.40% Sep 18, 20261.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Money Market Savings	1.64%	1.65%
Min Deposit $500 Min Balance $3,000,000 Details Balance: $3,000,000 - 4,999,999; Rate is variable; Rates effective 11/02/2026 - 11/08/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 1.40% → 1.65% ▲ 0.25 pts · high 1.65% / low 1.40% Oct 14, 20261.65%▲ from 1.40% Sep 18, 20261.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Money Market Savings	1.64%	1.65%
Min Deposit $500 Min Balance $5,000,000 Details Balance: $5,000,000 or more; Rate is variable; Rates effective 11/02/2026 - 11/08/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 1.40% → 1.65% ▲ 0.25 pts · high 1.65% / low 1.40% Oct 14, 20261.65%▲ from 1.40% Sep 18, 20261.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Money Market Savings	1.54%	1.55%
Min Deposit $500 Min Balance $500,000 Details Balance: $500,000 - 999,999; Rate is variable; Rates effective 11/02/2026 - 11/08/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 1.30% → 1.55% ▲ 0.25 pts · high 1.55% / low 1.30% Oct 14, 20261.55%▲ from 1.30% Sep 18, 20261.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Money Market Savings	1.45%	1.45%
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 - 499,999; Rate is variable; Rates effective 11/02/2026 - 11/08/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 1.20% → 1.45% ▲ 0.25 pts · high 1.45% / low 1.20% Oct 14, 20261.45%▲ from 1.20% Sep 18, 20261.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Money Market Savings	1.05%	1.05%
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000 - 99,999; Rate is variable; Rates effective 11/02/2026 - 11/08/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 0.95% → 1.05% ▲ 0.10 pts · high 1.05% / low 0.95% Oct 14, 20261.05%▲ from 0.95% Sep 18, 20260.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Money Market Savings	0.70%	0.70%
Min Deposit $500 Min Balance $5,000 Details Balance: $5,000 - 24,999; Rate is variable; Rates effective 11/02/2026 - 11/08/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 0.60% → 0.70% ▲ 0.10 pts · high 0.70% / low 0.60% Oct 14, 20260.70%▲ from 0.60% Sep 18, 20260.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Money Market Savings	0.45%	0.45%
Min Deposit $500 Min Balance $1 Details Balance: $1 - 4,999; Personal account; Excludes Commercial Money Market Savings; $5,000 minimum to open Commercial; Rate is variable; Rates effective 11/02/2026 - 11/08/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 0.35% → 0.45% ▲ 0.10 pts · high 0.45% / low 0.35% Oct 14, 20260.45%▲ from 0.35% Sep 18, 20260.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

Bank of Ann Arbor Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	6.74%	-	6.88%	72 months
Details Model Years: 2022 - 2026; Max term; Credit score 720 or greater; Autopay discount: rate 6.49%, APR 6.63%; Rates effective 09/17/2026 Last Updated 11/05/2026 Rate History 2 changes since Sep 18, 2026 · 6.99% → 6.88% ▼ 0.11 pts · high 6.99% / low 6.74% Oct 2, 20266.88%▲ from 6.74% Sep 24, 20266.74%▼ from 6.99% Sep 18, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Auto Loan	6.99%	-	7.16%	60 months
Details Model Years: 2020 - 2021; Max term; Credit score 720 or greater; Autopay discount: rate 6.74%, APR 6.91%; Rates effective 09/17/2026 Last Updated 11/05/2026 Rate History 2 changes since Sep 18, 2026 · 7.24% → 7.16% ▼ 0.08 pts · high 7.24% / low 6.99% Oct 2, 20267.16%▲ from 6.99% Sep 24, 20266.99%▼ from 7.24% Sep 18, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Auto Loan	7.49%	-	7.70%	48 months
Details Model Years: 2018 - 2019; Max term; Credit score 720 or greater; Autopay discount: rate 7.24%, APR 7.45%; Rates effective 09/17/2026 Last Updated 11/05/2026 Rate History 2 changes since Sep 18, 2026 · 7.74% → 7.70% ▼ 0.04 pts · high 7.74% / low 7.49% Oct 2, 20267.70%▲ from 7.49% Sep 24, 20267.49%▼ from 7.74% Sep 18, 20267.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Auto Loan	9.00%	-	9.27%	36 months
Details Model Years: 2016 - 2017; Max term; Credit score 720 or greater; Autopay discount: rate 8.75%, APR 9.02%; Rates effective 09/17/2026 Last Updated 11/05/2026 Rate History 3 changes since Sep 18, 2026 · 9.25% → 9.27% ▲ 0.02 pts · high 9.27% / low 9.00% Oct 2, 20269.27%▲ from 9.02% Sep 27, 20269.02%▲ from 9.00% Sep 24, 20269.00%▼ from 9.25% Sep 18, 20269.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

Bank of Ann Arbor RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boats, RVs Loan	7.99%	8.02%	144 months
Details Finance Amount: $75,000 or more; Sample APR based on $75,000 balance; Credit score 720 or greater; Autopay discount: rate 7.74%, APR 7.77%; Rates effective 09/17/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 7.99% → 8.02% ▲ 0.03 pts · high 8.02% / low 7.99% Oct 2, 20268.02%▲ from 7.99% Sep 18, 20267.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Boats, RVs Loan	7.99%	8.04%	120 months
Details Finance Amount: $25,000 - $74,999; Sample APR based on $50,000 balance; Credit score 720 or greater; Autopay discount: rate 7.74%, APR 7.79%; Rates effective 09/17/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 7.99% → 8.04% ▲ 0.05 pts · high 8.04% / low 7.99% Oct 2, 20268.04%▲ from 7.99% Sep 18, 20267.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Boats, RVs Loan	7.99%	8.17%	72 months
Details Finance Amount: $15,000 - $24,999; Sample APR based on $20,000 balance; Credit score 720 or greater; Autopay discount: rate 7.74%, APR 7.92%; Rates effective 09/17/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 7.99% → 8.17% ▲ 0.18 pts · high 8.17% / low 7.99% Oct 2, 20268.17%▲ from 7.99% Sep 18, 20267.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Boats, RVs Loan	7.99%	8.51%	48 months
Details Finance Amount: $5,000 - $14,999; Sample APR based on $10,000 balance; Credit score 720 or greater; Autopay discount: rate 7.74%, APR 8.26%; Rates effective 09/17/2026 Last Updated 11/05/2026 Rate History 2 changes since Sep 18, 2026 · 7.99% → 8.51% ▲ 0.52 pts · high 8.51% / low 7.99% Oct 2, 20268.51%▲ from 8.26% Sep 27, 20268.26%▲ from 7.99% Sep 18, 20267.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

Bank of Ann Arbor Personal Loan Rates

Product	APR	Term	View More
Personal Loan	11.46%	48 months
Details Loan amount: $5,000 - $25,000; Sample APR based on $7,500 balance; Credit score 720 or greater; Autopay discount: rate 10.50%, APR 11.20%; Rates effective 09/17/2026 Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 11.46% APR · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

Bank of Ann Arbor Other Rates

Product	Rate	Points	APY/APR
Smart One	0.25%	-	0.25%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - 9,999; Rate is variable and may change after the account is opened; Rates effective 11/02/2026 - 11/08/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 27, 2026 · 0.15% → 0.25% ▲ 0.10 pts · high 0.25% / low 0.15% Oct 14, 20260.25%▲ from 0.15% Sep 27, 20260.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Smart One	1.05%	-	1.05%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - 99,999; Rate is variable and may change after the account is opened; Rates effective 11/02/2026 - 11/08/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 27, 2026 · 0.90% → 1.05% ▲ 0.15 pts · high 1.05% / low 0.90% Oct 14, 20261.05%▲ from 0.90% Sep 27, 20260.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Smart One	1.30%	-	1.30%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 - 499,999; Rate is variable and may change after the account is opened; Rates effective 11/02/2026 - 11/08/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 27, 2026 · 1.10% → 1.30% ▲ 0.20 pts · high 1.30% / low 1.10% Oct 14, 20261.30%▲ from 1.10% Sep 27, 20261.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Smart One	1.40%	-	1.40%
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000 - 999,999; Rate is variable and may change after the account is opened; Rates effective 11/02/2026 - 11/08/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 27, 2026 · 1.20% → 1.40% ▲ 0.20 pts · high 1.40% / low 1.20% Oct 14, 20261.40%▲ from 1.20% Sep 27, 20261.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Smart One	1.45%	-	1.45%
Min Deposit $1,000 Min Balance $1,000,000 Details Balance: $1,000,000 or more; Rate is variable and may change after the account is opened; Rates effective 11/02/2026 - 11/08/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 27, 2026 · 1.25% → 1.45% ▲ 0.20 pts · high 1.45% / low 1.25% Oct 14, 20261.45%▲ from 1.25% Sep 27, 20261.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Bank of Ann Arbor’s Texas Ratio fell from 4.20% in Q3 2023 to 1.88% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$3.5B	1.88%	5.0	A+
March 31, 2026	$3.3B	2.22%	5.0	A+
December 31, 2025	$3.3B	1.71%	5.0	A+
September 30, 2025	$3.3B	1.77%	5.0	A+
June 30, 2025	$3.3B	1.42%	5.0	A+
March 31, 2025	$3.2B	1.63%	5.0	A+
December 31, 2024	$3.2B	1.75%	5.0	A+
September 30, 2024	$3.2B	1.37%	5.0	A+
June 30, 2024	$3.1B	1.23%	5.0	A+
March 31, 2024	$3.0B	1.29%	5.0	A+
December 31, 2023	$3.1B	1.75%	5.0	A+
September 30, 2023	$3.1B	4.20%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Bank of Ann Arbor is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Bank of Ann Arbor rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Bank of Ann Arbor's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Bank of Ann Arbor

Website https://www.bankofannarbor.com

Address 125 S 5th Ave, Ann Arbor, MI 48104 · Washtenaw

Bank Holding Company ARBOR BCORP INC

FDIC Certificate # 34120

Regulator FDIC

Established January 16, 1996

FDIC Insurance Date January 16, 1996

Domestic Offices 18

Total Branches 18

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.88%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.9791%

Return on Equity (ROE)

13.8200%

Non-Performing Loans Ratio (NPL)

0.21%

Total Assets

$3,496,950,000

Total Deposits

$2,843,062,000

Equity Capital

$498,958,000

Net Income

$33,536,000

Headquarters

Ann Arbor

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Bank of Ann Arbor earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Bank of Ann Arbor

Does Bank of Ann Arbor offer CDs?

Yes. Bank of Ann Arbor current CD rates include its 2 Year Retail CD at 3.50% APY, its 4 Year Retail CD at 3.50% APY and its 5 Year Retail CD at 3.50% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Bank of Ann Arbor FDIC insured?

Yes. Bank of Ann Arbor is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Bank of Ann Arbor?

The highest Bank of Ann Arbor CD rate is its 2 Year Retail CD at 3.50% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Bank of Ann Arbor offer?

Bank of Ann Arbor CD rates are 3.35% APY for a 12 month CD, 3.35% APY for an 18 month CD, 3.50% APY for a 2 year CD, 3.50% APY for a 4 year CD and 3.50% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Bank of Ann Arbor for its full lineup.

What is the highest savings rate at Bank of Ann Arbor?

The highest Bank of Ann Arbor savings rate is its Health Savings Account at 3.50% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at Bank of Ann Arbor?

The highest Bank of Ann Arbor money market rate is its Money Market Savings at 1.65% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest auto loan rate at Bank of Ann Arbor?

The lowest Bank of Ann Arbor auto loan rate is its Auto Loan at 6.74%, verified by MonitorBankRates as of November 5, 2026.

What is the lowest personal loan rate at Bank of Ann Arbor?

The lowest Bank of Ann Arbor personal loan rate is its Personal Loan at 10.75%, verified by MonitorBankRates as of November 5, 2026.

How many branches does Bank of Ann Arbor operate?

Bank of Ann Arbor currently maintains approximately 18 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Bank of Ann Arbor does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bank of Ann Arbor provides members with tools to manage their accounts and build a solid financial history.

Does Bank of Ann Arbor offer online and mobile banking?

Most modern institutions like Bank of Ann Arbor provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bankofannarbor.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Bank of Ann Arbor rates compare?

Bank of Ann Arbor's top CD rate of 3.50% APY on a 2 year CD is 19% higher than the MonitorBankRates national average of 2.94% APY for that term, and it has an A+ health rating. Bank of Ann Arbor's top rates are its 2 Year Retail CD at 3.50% APY, its Health Savings Account at 3.50% APY and its Personal Loan at 11.46% APR, verified by MonitorBankRates on November 5, 2026.

Current Bank of Ann Arbor Rates

12-Month CD3.35%
18-Month CD3.35%
24-Month CD3.50%
48-Month CD3.50%
60-Month CD3.50%
Savings3.50%

Retrieved from our database of financial products. Rates subject to change.

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Bank of Ann Arbor Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Bank of Ann Arbor Texas Ratio

Bank of Ann Arbor Health Trend

Bank of Ann Arbor CD Rates

Bank of Ann Arbor Savings Rates

Bank of Ann Arbor Money Market Rates

Bank of Ann Arbor Auto Loan Rates

Bank of Ann Arbor RV, Boat and Powersport Loan Rates

Bank of Ann Arbor Personal Loan Rates

Bank of Ann Arbor Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Bank of Ann Arbor earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Bank of Ann Arbor

Does Bank of Ann Arbor offer CDs?

Are CDs from Bank of Ann Arbor FDIC insured?

What is the highest CD rate at Bank of Ann Arbor?

What CD terms does Bank of Ann Arbor offer?

What is the highest savings rate at Bank of Ann Arbor?

What is the highest money market rate at Bank of Ann Arbor?

What is the lowest auto loan rate at Bank of Ann Arbor?

What is the lowest personal loan rate at Bank of Ann Arbor?

How many branches does Bank of Ann Arbor operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Bank of Ann Arbor offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Bank of Ann Arbor rates compare?

Current Bank of Ann Arbor Rates

Compare to Other Banks