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: 3.25%

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Bank of Ann Arbor Rates & Review October 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: October 7, 2026

Bank of Ann Arbor's top rates as of October 7, 2026 are 3.40% APY on its 4 Year Retail CD, 3.25% APY on savings, personal loans from 11.20% APR, and credit cards from 14.74% APR, according to rates verified by MonitorBankRates. Other Bank of Ann Arbor CD rates include 5 Year Retail CD at 3.40%, 90-119 Days 90 - 119 Day Jumbo Certificate of Deposit at 3.35%, and 120-179 Days 120 - 179 Day Jumbo Certificate of Deposit at 3.30%. 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 10/07/2026.

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 Q2 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
4 Year Retail CD	3.36%	3.40%	4 Year
Details Autopay Discount: 0.25% Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
5 Year Retail CD	3.36%	3.40%	5 Year
Details Autopay Discount: 0.25% Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
90 - 119 Day Jumbo Certificate of Deposit	3.35%	3.35%	90-119 Days
Min Deposit $100,000 Details Autopay Discount: 0.25% Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
120 - 179 Day Jumbo Certificate of Deposit	3.30%	3.30%	120-179 Days
Min Deposit $100,000 Details Autopay Discount: 0.25% Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
2 Year Retail CD	3.22%	3.25%	2 Year
Details Autopay Discount: 0.25% Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
3 Month Retail CD	3.22%	3.25%	3 Month
Details Autopay Discount: 0.25% Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
180 - 269 Day Jumbo Certificate of Deposit	3.20%	3.20%	180-269 Days
Min Deposit $100,000 Details Autopay Discount: 0.25% Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
6 Month Retail CD	3.17%	3.20%	6 Month
Details Autopay Discount: 0.25% Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
270 - 365 Day Jumbo Certificate of Deposit	3.10%	3.10%	270-365 Days
Min Deposit $100,000 Details Autopay Discount: 0.25% Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
18 Month Retail CD	3.02%	3.05%	18 Month
Details Autopay Discount: 0.25% Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
12 Month Retail CD	2.97%	3.00%	12 Month
Details Autopay Discount: 0.25% Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
30 - 89 Day Jumbo Certificate of Deposit	1.40%	1.40%	30-89 Days
Min Deposit $100,000 Details Autopay Discount: 0.25% Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 1.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
7 - 29 Day Jumbo Certificate of Deposit	1.10%	1.10%	7-29 Days
Min Deposit $100,000 Details Autopay Discount: 0.25% Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 1.10% APY · checked 5 times 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. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 5 times 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; Rate is variable and may change after the account is opened. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.40% APY · checked 5 times 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; Rate is variable and may change after the account is opened. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.40% APY · checked 5 times 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; Rate is variable and may change after the account is opened. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.40% APY · checked 5 times 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 Balance: $1,000,000 - 2,999,999. Rate is variable and may change after the account is opened. Fees may reduce earnings. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.40% APY · checked 3 times 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 Balance: $3,000,000 - 4,999,999. Rate is variable and may change after the account is opened. Fees may reduce earnings. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.40% APY · checked 3 times 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 Balance: $5,000,000 or more. Rate is variable and may change after the account is opened. Fees may reduce earnings. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.40% APY · checked 3 times 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; Rate is variable and may change after the account is opened. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.30% APY · checked 5 times 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 Balance: $500,000 - 999,999. Rate is variable and may change after the account is opened. Fees may reduce earnings. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.30% APY · checked 3 times 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. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.25% APY · checked 5 times 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; Rate is variable and may change after the account is opened. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.20% APY · checked 5 times 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 Balance: $100,000 - 499,999. Rate is variable and may change after the account is opened. Fees may reduce earnings. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.20% APY · checked 3 times 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. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 4 times 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. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 5 times 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; Rate is variable and may change after the account is opened. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.95% APY · checked 5 times 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 Balance: $25,000 - 99,999. Rate is variable and may change after the account is opened. Fees may reduce earnings. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Money Market Savings	0.60%	0.60%
Min Deposit $500 Min Balance $5,000 Details Balance: $5,000 - 24,999; Rate is variable and may change after the account is opened. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 5 times 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 Balance: $5,000 - 24,999. Rate is variable and may change after the account is opened. Fees may reduce earnings. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 3 times 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. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 5 times 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*; Rate is variable and may change after the account is opened. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 5 times 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 Balance: $1 - 4,999*. Rate is variable and may change after the account is opened. Fees may reduce earnings. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 3 times 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. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 5 times 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; Rate is variable and may change after the account is opened. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.40% APY · checked 5 times 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; Rate is variable and may change after the account is opened. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.40% APY · checked 5 times 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; Rate is variable and may change after the account is opened. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.40% APY · checked 5 times 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 Balance: $1,000,000 - 2,999,999. Rate is variable and may change after the account is opened. Fees may reduce earnings. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.40% APY · checked 3 times 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 Balance: $3,000,000 - 4,999,999. Rate is variable and may change after the account is opened. Fees may reduce earnings. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.40% APY · checked 3 times 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 Balance: $5,000,000 or more. Rate is variable and may change after the account is opened. Fees may reduce earnings. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.40% APY · checked 3 times 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; Rate is variable and may change after the account is opened. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.30% APY · checked 5 times 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 Balance: $500,000 - 999,999. Rate is variable and may change after the account is opened. Fees may reduce earnings. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.30% APY · checked 3 times 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; Rate is variable and may change after the account is opened. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.20% APY · checked 5 times 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 Balance: $100,000 - 499,999. Rate is variable and may change after the account is opened. Fees may reduce earnings. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.20% APY · checked 3 times 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; Rate is variable and may change after the account is opened. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.95% APY · checked 5 times 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 Balance: $25,000 - 99,999. Rate is variable and may change after the account is opened. Fees may reduce earnings. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Money Market Savings	0.60%	0.60%
Min Deposit $500 Min Balance $5,000 Details Balance: $5,000 - 24,999; Rate is variable and may change after the account is opened. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 5 times 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 Balance: $5,000 - 24,999. Rate is variable and may change after the account is opened. Fees may reduce earnings. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 3 times 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*; Rate is variable and may change after the account is opened. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 5 times 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 Balance: $1 - 4,999*. Rate is variable and may change after the account is opened. Fees may reduce earnings. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 3 times 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	6.49%	-	6.63%	72 months
Details Model Years: 2022 - 2026; Autopay Discount: 0.25% Last Updated 10/07/2026 Rate History 2 changes since Sep 18, 2026 · 6.99% → 6.63% ▼ 0.36 pts · high 6.99% / low 6.63% Oct 2, 20266.63%▼ 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 Loans	6.74%	-	6.88%	72 months
Details Model Years: 2022 - 2026; Autopay Discount: 0.25% Last Updated 10/07/2026 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 Loans	6.74%	-	6.91%	60 months
Details Model Years: 2020 - 2021; Autopay Discount: 0.25% Last Updated 10/07/2026 Rate History 2 changes since Sep 18, 2026 · 7.24% → 6.91% ▼ 0.33 pts · high 7.24% / low 6.91% Oct 2, 20266.91%▼ 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 Loans	6.99%	-	7.16%	60 months
Details Model Years: 2020 - 2021; Autopay Discount: 0.25% Last Updated 10/07/2026 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 Loans	7.24%	-	7.45%	48 months
Details Model Years: 2018 - 2019; Autopay Discount: 0.25% Last Updated 10/07/2026 Rate History 2 changes since Sep 18, 2026 · 7.74% → 7.45% ▼ 0.29 pts · high 7.74% / low 7.45% Oct 2, 20267.45%▼ 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 Loans	7.49%	-	7.70%	48 months
Details Model Years: 2018 - 2019; Autopay Discount: 0.25% Last Updated 10/07/2026 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 Loans	8.75%	-	9.02%	36 months
Details Model Years: 2016 - 2017; Autopay Discount: 0.25% Last Updated 10/07/2026 Rate History 2 changes since Sep 18, 2026 · 9.25% → 9.02% ▼ 0.23 pts · high 9.25% / low 9.00% 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%
Auto Loans	9.00%	-	9.27%	36 months
Details Model Years: 2016 - 2017; Autopay Discount: 0.25% Last Updated 10/07/2026 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	7.74%	7.77%	144 months
Details Finance Amount: $75,000 or more; Autopay Discount: 0.25% Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 7.99% → 7.77% ▼ 0.22 pts · high 7.99% / low 7.77% Oct 2, 20267.77%▼ from 7.99% Sep 18, 20267.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Boats, RVs	7.74%	7.79%	120 months
Details Finance Amount: $25,000 - $74,999; Autopay Discount: 0.25% Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 7.99% → 7.79% ▼ 0.20 pts · high 7.99% / low 7.79% Oct 2, 20267.79%▼ from 7.99% Sep 18, 20267.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Boats, RVs	7.74%	7.92%	72 months
Details Finance Amount: $15,000 - $24,999; Autopay Discount: 0.25% Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 7.99% → 7.92% ▼ 0.07 pts · high 7.99% / low 7.92% Oct 2, 20267.92%▼ from 7.99% Sep 18, 20267.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Boats, RVs	7.99%	8.02%	144 months
Details Finance Amount: $75,000 or more; Autopay Discount: 0.25% Last Updated 10/07/2026 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	7.99%	8.04%	120 months
Details Finance Amount: $25,000 - $74,999; Autopay Discount: 0.25% Last Updated 10/07/2026 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	7.99%	8.17%	72 months
Details Finance Amount: $15,000 - $24,999; Autopay Discount: 0.25% Last Updated 10/07/2026 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	7.74%	8.26%	48 months
Details Finance Amount: $5,000 - $14,999; Autopay Discount: 0.25% Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 7.99% → 8.26% ▲ 0.27 pts · high 8.26% / low 7.99% 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%
Boats, RVs	7.99%	8.51%	48 months
Details Finance Amount: $5,000 - $14,999; Autopay Discount: 0.25% Last Updated 10/07/2026 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 Credit Card Rates

Product	Rate	APR
Platinum Edition Visa	-	14.74%
Details Introductory APR on purchases and balance transfers for 12 months. $0 annual fee.; APR range: 14.74% - 24.74% variable Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 14.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Visa Signature	-	16.49%
Details Introductory APR on purchases and balance transfers for 12 months. 1.5x Points. $0 annual fee. Get 30,000 bonus points with $2,500 spend in first 90 days; APR range: 16.49% - 22.49% variable Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 16.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Rewards Platinum Visa	-	16.74%
Details Introductory APR on purchases and balance transfers for 12 months. 1x Points. $0 annual fee.; APR range: 16.74% - 26.74% variable Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 16.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Cash Rewards Platinum Visa	-	17.74%
Details Introductory APR on purchases and balance transfers for 12 months. 1% Cash back. $0 annual fee.; APR range: 17.74% - 26.99% variable Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 17.74% APR · checked 4 times 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	11.20%	48 months
Details Loan amount: $5,000 - $25,000; Autopay Discount: 0.25% Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 11.20% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Personal Loan	11.46%	48 months
Details Loan amount: $5,000 - $25,000; Autopay Discount: 0.25% Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 11.20% → 11.46% ▲ 0.26 pts · high 11.46% / low 11.20% Oct 2, 202611.46%▲ from 11.20% Sep 15, 202611.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Visa Signature	16.49%
Details Introductory APR on purchases and balance transfers for 12 months. 1.5x Points. $0 annual fee. Get 30,000 bonus points with $2,500 spend in first 90 days; APR range: 16.49% - 22.49% variable Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 16.49% APR · checked 4 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	0.15%	-	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. Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Smart One	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. Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 0.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Smart One	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. Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 1.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Smart One	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. Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 1.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Smart One	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. Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 1.25% APY · checked 4 times 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

Q2 2026 MBR Health & Safety Badge

Bank of Ann Arbor earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

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

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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.