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

Current rates for Bank of Ann Arbor include: 12-Month CD: 3.00%, 18-Month CD: 3.05%, 24-Month CD: 3.25%, 48-Month CD: 3.40%, 60-Month CD: 3.40%, Savings: 0.35%

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Bank of Ann Arbor

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Bank of Ann Arbor Rates & Review September 2026

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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 18, 2026

Bank of Ann Arbor's 4 Year Retail CD rates are at 3.40%, 5 Year Retail CD rates are at 3.40%, 90-119 Days Jumbo Certificate of Deposit rates are at 3.35%, 120-179 Days Jumbo Certificate of Deposit rates are at 3.30%, 2 Year Retail CD rates are at 3.25%. Bank of Ann Arbor's savings rates are at 0.35%. Bank of Ann Arbor's Personal Loan Rates are as low as 10.75%. Bank of Ann Arbor's Credit Card Rates are at 14.74%. 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 09/18/2026.

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

Bank of Ann Arbor CD Rates

Product	Rate	APY	Term
4 Year Retail CD	3.36%	3.40%	4 Year
Min Deposit $1,000 Details For deposits of $1,000 to $99,999. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
5 Year Retail CD	3.36%	3.40%	5 Year
Min Deposit $1,000 Details For deposits of $1,000 to $99,999. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
90-119 Days Jumbo Certificate of Deposit	3.35%	3.35%	90-119 Days
Min Deposit $100,000 Details A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
120-179 Days Jumbo Certificate of Deposit	3.30%	3.30%	120-179 Days
Min Deposit $100,000 Details A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
2 Year Retail CD	3.22%	3.25%	2 Year
Min Deposit $1,000 Details For deposits of $1,000 to $99,999. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
3 Month Retail CD	3.22%	3.25%	3 Month
Min Deposit $1,000 Details For deposits of $1,000 to $99,999. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
180-269 Days Jumbo Certificate of Deposit	3.20%	3.20%	180-269 Days
Min Deposit $100,000 Details A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
6 Month Retail CD	3.17%	3.20%	6 Month
Min Deposit $1,000 Details For deposits of $1,000 to $99,999. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
270-365 Days Jumbo Certificate of Deposit	3.10%	3.10%	270-365 Days
Min Deposit $100,000 Details A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
18 Month Retail CD	3.02%	3.05%	18 Month
Min Deposit $1,000 Details For deposits of $1,000 to $99,999. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
12 Month Retail CD	2.97%	3.00%	12 Month
Min Deposit $1,000 Details For deposits of $1,000 to $99,999. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
30-89 Days Jumbo Certificate of Deposit	1.40%	1.40%	30-89 Days
Min Deposit $100,000 Details A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
7-29 Days Jumbo Certificate of Deposit	1.10%	1.10%	7-29 Days
Min Deposit $100,000 Details A penalty may be imposed for early withdrawal. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026. Last Updated 09/18/2026 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	3.21%	3.25%
Min Deposit $50 Min Balance $10,000 Details Balance: $10,000 or more. Rate is variable and may change after the account is opened. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Money Market Savings	1.40%	1.40%
Min Deposit $500 Min Balance $1,000,000 Details Balance: $1,000,000 - 2,999,999. $500 minimum to open Personal Money Market Savings account. Rate is variable and may change after the account is opened. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Money Market Savings	1.40%	1.40%
Min Deposit $500 Min Balance $3,000,000 Details Balance: $3,000,000 - 4,999,999. $500 minimum to open Personal Money Market Savings account. Rate is variable and may change after the account is opened. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Money Market Savings	1.40%	1.40%
Min Deposit $500 Min Balance $5,000,000 Details Balance: $5,000,000 or more. $500 minimum to open Personal Money Market Savings account. Rate is variable and may change after the account is opened. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Personal Money Market Savings	1.40%	1.40%
Min Deposit $500 Min Balance $1,000,000 Details Rate is variable and may change after the account is opened. Fees may reduce earnings. Excludes Commercial Money Market Savings accounts. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Personal Money Market Savings	1.40%	1.40%
Min Deposit $500 Min Balance $3,000,000 Details Rate is variable and may change after the account is opened. Fees may reduce earnings. Excludes Commercial Money Market Savings accounts. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Personal Money Market Savings	1.40%	1.40%
Min Deposit $500 Min Balance $5,000,000 Details Rate is variable and may change after the account is opened. Fees may reduce earnings. Excludes Commercial Money Market Savings accounts. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Money Market Savings	1.30%	1.30%
Min Deposit $500 Min Balance $500,000 Details Balance: $500,000 - 999,999. $500 minimum to open Personal Money Market Savings account. Rate is variable and may change after the account is opened. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Personal Money Market Savings	1.30%	1.30%
Min Deposit $500 Min Balance $500,000 Details Rate is variable and may change after the account is opened. Fees may reduce earnings. Excludes Commercial Money Market Savings accounts. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Health Savings Account	1.25%	1.25%
Min Deposit $50 Min Balance $5,000 Details Balance: $5,000 - 9,999. Rate is variable and may change after the account is opened. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Money Market Savings	1.20%	1.20%
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 - 499,999. $500 minimum to open Personal Money Market Savings account. Rate is variable and may change after the account is opened. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Personal Money Market Savings	1.20%	1.20%
Min Deposit $500 Min Balance $100,000 Details Rate is variable and may change after the account is opened. Fees may reduce earnings. Excludes Commercial Money Market Savings accounts. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Savings	1.00%	1.00%
Min Deposit $100 Min Balance $100 Details Rate is variable and may change after the account is opened. Fees may reduce earnings. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Statement Savings	1.00%	1.00%
Min Deposit $100 Min Balance $100 Details Account must have $100 or more to earn interest. Rate is variable and may change after the account is opened. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Youth Savings Account	1.00%	1.00%
Min Deposit $10 Min Balance $0 Details Rate is variable and may change after the account is opened. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Money Market Savings	0.95%	0.95%
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000 - 99,999. $500 minimum to open Personal Money Market Savings account. Rate is variable and may change after the account is opened. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Personal Money Market Savings	0.95%	0.95%
Min Deposit $500 Min Balance $25,000 Details Rate is variable and may change after the account is opened. Fees may reduce earnings. Excludes Commercial Money Market Savings accounts. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Money Market Savings	0.60%	0.60%
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000 - 24,999. $5,000 minimum to open Commercial Money Market Savings account. Rate is variable and may change after the account is opened. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Personal Money Market Savings	0.60%	0.60%
Min Deposit $500 Min Balance $5,000 Details Rate is variable and may change after the account is opened. Fees may reduce earnings. Excludes Commercial Money Market Savings accounts. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Health Savings Account	0.50%	0.50%
Min Deposit $50 Min Balance $1,000 Details Balance: $1,000 - 4,999. Rate is variable and may change after the account is opened. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Money Market Savings	0.35%	0.35%
Min Deposit $500 Min Balance $1 Details Balance: $1 - 4,999*. $500 minimum to open Personal Money Market Savings account. Rate is variable and may change after the account is opened. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Personal Money Market Savings	0.35%	0.35%
Min Deposit $500 Min Balance $1 Details Rate is variable and may change after the account is opened. Fees may reduce earnings. Excludes Commercial Money Market Savings accounts. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Health Savings Account	0.20%	0.20%
Min Deposit $50 Min Balance $0 Details Balance: $0 - 999. Rate is variable and may change after the account is opened. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026. Last Updated 09/18/2026 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	1.40%	1.40%
Min Deposit $500 Min Balance $1,000,000 Details Balance: $1,000,000 - 2,999,999. $500 minimum to open Personal Money Market Savings account. Rate is variable and may change after the account is opened. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Money Market Savings	1.40%	1.40%
Min Deposit $500 Min Balance $3,000,000 Details Balance: $3,000,000 - 4,999,999. $500 minimum to open Personal Money Market Savings account. Rate is variable and may change after the account is opened. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Money Market Savings	1.40%	1.40%
Min Deposit $500 Min Balance $5,000,000 Details Balance: $5,000,000 or more. $500 minimum to open Personal Money Market Savings account. Rate is variable and may change after the account is opened. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Personal Money Market Savings	1.40%	1.40%
Min Deposit $500 Min Balance $1,000,000 Details Rate is variable and may change after the account is opened. Fees may reduce earnings. Excludes Commercial Money Market Savings accounts. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Personal Money Market Savings	1.40%	1.40%
Min Deposit $500 Min Balance $3,000,000 Details Rate is variable and may change after the account is opened. Fees may reduce earnings. Excludes Commercial Money Market Savings accounts. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Personal Money Market Savings	1.40%	1.40%
Min Deposit $500 Min Balance $5,000,000 Details Rate is variable and may change after the account is opened. Fees may reduce earnings. Excludes Commercial Money Market Savings accounts. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Money Market Savings	1.30%	1.30%
Min Deposit $500 Min Balance $500,000 Details Balance: $500,000 - 999,999. $500 minimum to open Personal Money Market Savings account. Rate is variable and may change after the account is opened. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Personal Money Market Savings	1.30%	1.30%
Min Deposit $500 Min Balance $500,000 Details Rate is variable and may change after the account is opened. Fees may reduce earnings. Excludes Commercial Money Market Savings accounts. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Money Market Savings	1.20%	1.20%
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 - 499,999. $500 minimum to open Personal Money Market Savings account. Rate is variable and may change after the account is opened. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Personal Money Market Savings	1.20%	1.20%
Min Deposit $500 Min Balance $100,000 Details Rate is variable and may change after the account is opened. Fees may reduce earnings. Excludes Commercial Money Market Savings accounts. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Money Market Savings	0.95%	0.95%
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000 - 99,999. $500 minimum to open Personal Money Market Savings account. Rate is variable and may change after the account is opened. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Personal Money Market Savings	0.95%	0.95%
Min Deposit $500 Min Balance $25,000 Details Rate is variable and may change after the account is opened. Fees may reduce earnings. Excludes Commercial Money Market Savings accounts. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Money Market Savings	0.60%	0.60%
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000 - 24,999. $5,000 minimum to open Commercial Money Market Savings account. Rate is variable and may change after the account is opened. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Personal Money Market Savings	0.60%	0.60%
Min Deposit $500 Min Balance $5,000 Details Rate is variable and may change after the account is opened. Fees may reduce earnings. Excludes Commercial Money Market Savings accounts. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Money Market Savings	0.35%	0.35%
Min Deposit $500 Min Balance $1 Details Balance: $1 - 4,999*. $500 minimum to open Personal Money Market Savings account. Rate is variable and may change after the account is opened. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Personal Money Market Savings	0.35%	0.35%
Min Deposit $500 Min Balance $1 Details Rate is variable and may change after the account is opened. Fees may reduce earnings. Excludes Commercial Money Market Savings accounts. Last Updated 09/18/2026 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 Loans	6.74%	-	6.99%	72 months
Details Model Years: 2022 - 2026. Rates shown for Credit score of 720 or greater. *Sample Annual Percentage Rates (APRs), are calculated based on $25,000 balance for the maximum term allowed and impacted by our $100 Processing fee. The Processing fee is a fee that borrowers pay before or during the loan closing process. These are fees that borrowers need to pay out of pocket in order to finalize a loan. Rates effective 10/31/2025 and subject to change at any time. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Auto Loans	7.24%	-	7.24%	60 months
Details Model Years: 2020 - 2021. Rates shown for Credit score of 720 or greater. Interest Rates vary based on vehicle age, credit score, and length of finance term. Autopay Discount Rates: A 0.25% discount applies for loans whose payments are made automatically from a Bank of Ann Arbor checking or savings account. *Sample Annual Percentage Rates (APRs), are calculated based on $25,000 balance for the maximum term allowed and impacted by our $100 Processing fee. The Processing fee is a fee that borrowers pay before or during the loan closing process. These are fees that borrowers need to pay out of pocket in order to finalize a loan. Rates effective 10/31/2025 and subject to change at any time. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Auto Loans	7.74%	-	7.74%	48 months
Details Model Years: 2018 - 2019. Rates shown for Credit score of 720 or greater. Interest Rates vary based on vehicle age, credit score, and length of finance term. Autopay Discount Rates: A 0.25% discount applies for loans whose payments are made automatically from a Bank of Ann Arbor checking or savings account. *Sample Annual Percentage Rates (APRs), are calculated based on $25,000 balance for the maximum term allowed and impacted by our $100 Processing fee. The Processing fee is a fee that borrowers pay before or during the loan closing process. These are fees that borrowers need to pay out of pocket in order to finalize a loan. Rates effective 10/31/2025 and subject to change at any time. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Auto Loans	9.25%	-	9.25%	36 months
Details Model Years: 2016 - 2017. Rates shown for Credit score of 720 or greater. Interest Rates vary based on vehicle age, credit score, and length of finance term. Autopay Discount Rates: A 0.25% discount applies for loans whose payments are made automatically from a Bank of Ann Arbor checking or savings account. *Sample Annual Percentage Rates (APRs), are calculated based on $25,000 balance for the maximum term allowed and impacted by our $100 Processing fee. The Processing fee is a fee that borrowers pay before or during the loan closing process. These are fees that borrowers need to pay out of pocket in order to finalize a loan. Rates effective 10/31/2025 and subject to change at any time. Last Updated 09/18/2026 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	7.99%	7.99%	48 months
Details Finance Amount: $5,000 - $14,999. Rates shown for Credit score of 720 or greater. Sample Annual Percentage Rates (APRs), are calculated based on $10,000, **$20,000, ^$50,000, ^^$75,000 balance for the maximum term allowed and impacted by our $100 Processing fee. The Processing fee is a fee that borrowers pay before or during the loan closing process. These are fees that borrowers need to pay out of pocket in order to finalize a loan. Interest Rates vary based on amount financed, credit score, and length of finance term. Autopay Discount Rates: A 0.25% discount applies for loans whose payments are made automatically from a Bank of Ann Arbor checking or savings account. Rates effective 10/31/2025 and subject to change at any time. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Boats, RVs	7.99%	7.99%	72 months
Details Finance Amount: $15,000 - $24,999. Rates shown for Credit score of 720 or greater. Sample Annual Percentage Rates (APRs), are calculated based on $10,000, **$20,000, ^$50,000, ^^$75,000 balance for the maximum term allowed and impacted by our $100 Processing fee. The Processing fee is a fee that borrowers pay before or during the loan closing process. These are fees that borrowers need to pay out of pocket in order to finalize a loan. Interest Rates vary based on amount financed, credit score, and length of finance term. Autopay Discount Rates: A 0.25% discount applies for loans whose payments are made automatically from a Bank of Ann Arbor checking or savings account. Rates effective 10/31/2025 and subject to change at any time. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Boats, RVs	7.99%	7.99%	120 months
Details Finance Amount: $25,000 - $74,999. Rates shown for Credit score of 720 or greater. Sample Annual Percentage Rates (APRs), are calculated based on $10,000, **$20,000, ^$50,000, ^^$75,000 balance for the maximum term allowed and impacted by our $100 Processing fee. The Processing fee is a fee that borrowers pay before or during the loan closing process. These are fees that borrowers need to pay out of pocket in order to finalize a loan. Interest Rates vary based on amount financed, credit score, and length of finance term. Autopay Discount Rates: A 0.25% discount applies for loans whose payments are made automatically from a Bank of Ann Arbor checking or savings account. Rates effective 10/31/2025 and subject to change at any time. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Boats, RVs	7.99%	7.99%	144 months
Details Finance Amount: $75,000 or more. Rates shown for Credit score of 720 or greater. Sample Annual Percentage Rates (APRs), are calculated based on $10,000, **$20,000, ^$50,000, ^^$75,000 balance for the maximum term allowed and impacted by our $100 Processing fee. The Processing fee is a fee that borrowers pay before or during the loan closing process. These are fees that borrowers need to pay out of pocket in order to finalize a loan. Interest Rates vary based on amount financed, credit score, and length of finance term. Autopay Discount Rates: A 0.25% discount applies for loans whose payments are made automatically from a Bank of Ann Arbor checking or savings account. Rates effective 10/31/2025 and subject to change at any time. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

Bank of Ann Arbor Credit Card Rates

Product	Rate	APR
Platinum Edition Visa	-	14.74%
Details Published APR range: 14.74% - 24.74%. Intro rate expires: 12 months; Regular APR: 14.74% - 24.74% Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Visa Signature	-	16.49%
Details Published APR range: 16.49% - 22.49%. Intro rate expires: 12 months; Regular APR: 16.49% - 22.49%; Get 30,000 bonus points with $2,500 spend in first 90 days Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Rewards Platinum Visa	-	16.74%
Details Published APR range: 16.74% - 26.74%. Intro rate expires: 12 months; Regular APR: 16.74% - 26.74% Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Cash Rewards Platinum Visa	-	17.74%
Details Published APR range: 17.74% - 26.99%. Intro rate expires: 12 months; Regular APR: 17.74% - 26.99% Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

Bank of Ann Arbor Personal Loan Rates

Product	APR	Term
Personal Loan	10.75%	48 months
Details Loan amount: $5,000 - $25,000. Rates shown for Credit score of 720 or greater. Sample Annual Percentage Rates (APRs), are calculated based on *$7,500 balance for the maximum term allowed and impacted by our $100 Processing fee. The Processing fee is a fee that borrowers pay before or during the loan closing process. These are fees that borrowers need to pay out of pocket in order to finalize a loan. Interest Rates vary based on credit score. Autopay Discount Rates: A 0.25% discount applies for loans whose payments are made automatically from a Bank of Ann Arbor checking or savings account. Rates effective 10/31/2025 and subject to change at any time. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Personal Loan	11.20%	48 months
Details Autopay Discount: 0.25% discount applies for loans whose payments are made automatically from a Bank of Ann Arbor checking or savings account. Sample Annual Percentage Rates (APRs), are calculated based on $7,500 balance for the maximum term allowed and impacted by our $100 Processing fee. The Processing fee is a fee that borrowers pay before or during the loan closing process. These are fees that borrowers need to pay out of pocket in order to finalize a loan. Interest Rates vary based on credit score. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Personal Loan	11.46%	48 months
Details Autopay Discount: 0.25% discount applies for loans whose payments are made automatically from a Bank of Ann Arbor checking or savings account. Sample Annual Percentage Rates (APRs), are calculated based on $7,500 balance for the maximum term allowed and impacted by our $100 Processing fee. The Processing fee is a fee that borrowers pay before or during the loan closing process. These are fees that borrowers need to pay out of pocket in order to finalize a loan. Interest Rates vary based on credit score. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Visa Signature	16.49%	12 months
Details Published APR range: 16.49% - 22.49%. Intro rate expires: 12 months; Regular APR: 16.49% - 22.49%; Get 30,000 bonus points with $2,500 spend in first 90 days Last Updated 09/18/2026 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 Balance	0.15%	-	0.15%
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. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Smart One Balance	0.90%	-	0.90%
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. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Smart One Balance	1.10%	-	1.10%
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. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Smart One Balance	1.20%	-	1.20%
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. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Smart One Balance	1.25%	-	1.25%
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. Fees may reduce earnings. Rates effective as of 09/14/2026 - 09/20/2026. Last Updated 09/18/2026 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

Institution Name Bank of Ann Arbor

Bank Holding Company ARBOR BCORP INC

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

Website https://www.bankofannarbor.com

FDIC Certificate # 34120

Established 19960116

FDIC Insurance Date 19960116

Domestic Offices 18

Total Branches 18

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.88%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.9791%

Return on Equity (ROE) 13.8200%

Non-Performing Loans (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 18

Source: FDIC | Last Updated 06/30/2026

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.

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Customer Reviews

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Frequently Asked Questions About Bank of Ann Arbor

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.

Current Bank of Ann Arbor Rates

12-Month CD3.00%
18-Month CD3.05%
24-Month CD3.25%
48-Month CD3.40%
60-Month CD3.40%
Savings0.35%

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

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