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Bank of Ann Arbor Rates & Review August 2026

Bank of Ann Arbor's 4 Year Retail CD rates are at 3.40%, 5 Year Retail CD rates are at 3.40%, 2 Year Retail CD rates are at 3.25%, 3-Month Retail CD rates are at 3.25%, 6-Month Retail CD rates are at 3.20%. Bank of Ann Arbor's savings rates are at 0.35%. Bank of Ann Arbor's Personal Loan Rates are at 11.20%. 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 4.20%. Rates last updated and verified on 08/28/2026.

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.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
4.20%
Excellent Lower than avg
Bank of Ann Arbor
125 S 5th Ave
Ann Arbor, MI 48104
https://www.bankofannarbor.com
Member FDIC

Bank of Ann Arbor CD Rates

Product Rate APY Term View More
4 Year Retail CD 3.36% 3.40% 4 Year
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
5 Year Retail CD 3.36% 3.40% 5 Year
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
2 Year Retail CD 3.22% 3.25% 2 Year
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
3 Month Retail CD 3.22% 3.25% 3 Month
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
6 Month Retail CD 3.17% 3.20% 6 Month
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
18 Month Retail CD 3.02% 3.05% 18 Month
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
12 Month Retail CD 2.97% 3.00% 12 Month
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%

Bank of Ann Arbor Savings Rates

Product Rate APY View More
Health Savings Account 3.21% 3.25%
Min Balance $10,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
Money Market Savings 1.40% 1.40%
Min Balance $1,000,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
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.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
Money Market Savings 1.30% 1.30%
Min Balance $500,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
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.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
Health Savings Account 1.25% 1.25%
Min Balance $5,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
Money Market Savings 1.20% 1.20%
Min Balance $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
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.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
Statement Savings 1.00% 1.00%
Min Balance $100
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
Youth Savings Account 1.00% 1.00%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
Money Market Savings 0.95% 0.95%
Min Balance $25,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
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.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
Money Market Savings 0.60% 0.60%
Min Balance $5,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
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.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
Health Savings Account 0.50% 0.50%
Min Balance $1,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
Money Market Savings 0.35% 0.35%
Min Balance $1
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
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.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
Health Savings Account 0.20% 0.20%
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%

Bank of Ann Arbor Money Market Rates

Product Rate APY View More
Money Market Savings 1.40% 1.40%
Min Balance $1,000,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
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.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
Money Market Savings 1.30% 1.30%
Min Balance $500,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
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.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
Money Market Savings 1.20% 1.20%
Min Balance $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
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.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
Money Market Savings 0.95% 0.95%
Min Balance $25,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
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.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
Money Market Savings 0.60% 0.60%
Min Balance $5,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
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.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
Money Market Savings 0.35% 0.35%
Min Balance $1
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
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.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%

Bank of Ann Arbor Auto Loan Rates

Product Rate Points APR Term View More
Auto Loans 6.99% - 7.13% 72 months
Details Rates shown for Credit score of 720 or greater. Model Years 2022 - 2026. 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.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
Auto Loans 7.24% - 7.41% 60 months
Details Rates shown for Credit score of 720 or greater. Model Years 2020 - 2021. 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.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
Auto Loans 7.74% - 7.95% 48 months
Details Rates shown for Credit score of 720 or greater. Model Years 2018 - 2019. 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.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
Auto Loans 9.25% - 9.52% 36 months
Details Rates shown for Credit score of 720 or greater. Model Years 2016 - 2017. 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.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%

Bank of Ann Arbor Credit Card Rates

Product Rate APR View More
Platinum Edition Visa - 14.74%
Details Intro rate expires: 12 months; Regular APR: 14.74% - 24.74%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
Visa Signature - 16.49%
Details Intro rate expires: 12 months; Regular APR: 16.49% - 22.49%; 1.5x Points; Get 30,000 bonus points with $2,500 spend in first 90 days
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
Rewards Platinum Visa - 16.74%
Details Intro rate expires: 12 months; Regular APR: 16.74% - 26.74%; 1x Points
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
Cash Rewards Platinum Visa - 17.74%
Details Intro rate expires: 12 months; Regular APR: 17.74% - 26.99%; 1% Cash back
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%

Bank of Ann Arbor Personal Loan Rates

Product Rate APR View More
Personal Loan 10.50% 11.20%
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 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%
Personal Loan 10.75% 11.46%
Details Rates shown for Credit score of 720 or greater. Loan amount $5,000 - $25,000. 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 **$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.; APR range up to 10.50%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.20%

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
FDIC Certificate # 34120
Established 01/16/1996
FDIC Insurance Date 01/16/1996
Domestic Offices 17
Total Branches 17
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 98/100
5.0
Exceptional Out of 5.0 Stars
4.20%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 1.6883%
Return on Equity (ROE) 13.8800%
Non-Performing Loans (NPL) 0.47%
Total Assets $3,340,777,000
Total Deposits $2,741,282,000
Equity Capital $475,668,000
Net Income $56,378,000
Headquarters Ann Arbor
Total Branches and Offices 17
Source: FDIC  |  Last Updated 12/31/2025

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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 17 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.