What are the current interest rates at First National Bank of Michigan?

Current rates for First National Bank of Michigan include: 12-Month CD: 2.53%, 18-Month CD: 2.78%, 24-Month CD: 3.04%, 36-Month CD: 2.78%, 48-Month CD: 2.53%, 60-Month CD: 2.53%, Savings: 0.01%, MMA: 0.05%

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First National Bank of Michigan

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First National Bank of Michigan Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First National Bank of Michigan 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 19, 2026

First National Bank of Michigan's 3-Year Rising Rate Certificate of Deposit - Year 3 term rates are at 5.00%, Blended APY* 3-Year Rising Rate Certificate of Deposit - Blended APY rates are at 4.75%, 3-Year Rising Rate Certificate of Deposit - Year 2 term rates are at 4.75%, Rising Rate Certificate of Deposit - Third 6-month Term rates are at 4.75%, 3-Year Rising Rate Certificate of Deposit - Year 1 term rates are at 4.50%. First National Bank of Michigan's savings rates are at 0.01%. First National Bank of Michigan's money market rates are at 0.05%. MonitorBankRates evaluates the financial stability of First National Bank of Michigan with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.32%. Rates last updated and verified on 09/19/2026.

First National Bank of Michigan 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 First National Bank of Michigan? Share your experience about First National Bank of Michigan by leaving a review below, or read customer reviews before you decide to use First National Bank of Michigan.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.32%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

First National Bank of Michigan

348 W Michigan Ave
Kalamazoo, MI 49007

https://www.fnbmichigan.bank

First National Bank of Michigan CD Rates

Product	Rate	APY	Term
3-Year Rising Rate Certificate of Deposit - Year 3 term	4.89%	5.00%	Year 3 term
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Blended APY* 3-Year Rising Rate Certificate of Deposit - Blended APY	4.65%	4.75%	Blended APY*
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
3-Year Rising Rate Certificate of Deposit - Year 2 term	4.65%	4.75%	Year 2 term
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Rising Rate Certificate of Deposit - Third 6-month Term	4.65%	4.75%	Third 6-month Term
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
3-Year Rising Rate Certificate of Deposit - Year 1 term	4.41%	4.50%	Year 1 term
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Blended APY* Rising Rate Certificate of Deposit - Blended APY	4.41%	4.50%	Blended APY*
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Rising Rate Certificate of Deposit - Second 6-month Term	4.41%	4.50%	Second 6-month Term
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
12 Month Certificate of Deposit	4.27%	4.35%	12 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Rising Rate Certificate of Deposit - First 6-month Term	4.17%	4.25%	First 6-month Term
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
7 Month Certificate of Deposit	4.12%	4.20%	7 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
2 Year Certificate of Deposit	3.40%	3.45%	2 Year
Min Balance $100,000 Details Balance: $100,000+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
2 Year Certificate of Deposit	3.20%	3.25%	2 Year
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
18 Month Certificate of Deposit	3.15%	3.20%	18 Month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
3 Year Certificate of Deposit	3.15%	3.20%	3 Year
Min Balance $100,000 Details Balance: $100,000+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
2 Year Certificate of Deposit	3.00%	3.04%	2 Year
Min Balance $0 Details Balance: $0 - $49,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
18 Month Certificate of Deposit	2.95%	2.99%	18 Month
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
3 Year Certificate of Deposit	2.95%	2.99%	3 Year
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
1 Year Certificate of Deposit	2.90%	2.94%	1 Year
Min Balance $100,000 Details Balance: $100,000+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
4 Year Certificate of Deposit	2.73%	2.94%	4 Year
Min Balance $100,000 Details Balance: $100,000+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
5 Year Certificate of Deposit	2.90%	2.94%	5 Year
Min Balance $100,000 Details Balance: $100,000+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
18 Month Certificate of Deposit	2.75%	2.78%	18 Month
Min Balance $0 Details Balance: $0 - $49,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
3 Year Certificate of Deposit	2.75%	2.78%	3 Year
Min Balance $0 Details Balance: $0 - $49,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
1 Year Certificate of Deposit	2.70%	2.73%	1 Year
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
5 Year Certificate of Deposit	2.70%	2.73%	5 Year
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
4 Year Certificate of Deposit	2.70%	2.70%	4 Year
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
9 Month Certificate of Deposit	2.65%	2.68%	9 Month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
1 Year Certificate of Deposit	2.50%	2.53%	1 Year
Min Balance $0 Details Balance: $0 - $49,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
4 Year Certificate of Deposit	2.50%	2.53%	4 Year
Min Balance $0 Details Balance: $0 - $49,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
5 Year Certificate of Deposit	2.50%	2.53%	5 Year
Min Balance $0 Details Balance: $0 - $49,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
9 Month Certificate of Deposit	2.45%	2.48%	9 Month
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
6 Month Certificate of Deposit	2.40%	2.43%	6 Month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
9 Month Certificate of Deposit	2.25%	2.27%	9 Month
Min Balance $0 Details Balance: $0 - $49,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
6 Month Certificate of Deposit	2.20%	2.22%	6 Month
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
90 Day Certificate of Deposit	2.15%	2.17%	90 Day
Min Balance $100,000 Details Balance: $100,000+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
6 Month Certificate of Deposit	2.00%	2.02%	6 Month
Min Balance $0 Details Balance: $0 - $49,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
90 Day Certificate of Deposit	1.95%	1.97%	90 Day
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
60 Day Certificate of Deposit	1.90%	1.92%	60 Day
Min Balance $100,000 Details Balance: $100,000+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
90 Day Certificate of Deposit	1.75%	1.76%	90 Day
Min Balance $0 Details Balance: $0 - $49,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
60 Day Certificate of Deposit	1.70%	1.71%	60 Day
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
30 Day Certificate of Deposit	1.65%	1.66%	30 Day
Min Balance $100,000 Details Balance: $100,000+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
60 Day Certificate of Deposit	1.50%	1.51%	60 Day
Min Balance $0 Details Balance: $0 - $49,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
30 Day Certificate of Deposit	1.45%	1.46%	30 Day
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
30 Day Certificate of Deposit	1.25%	1.26%	30 Day
Min Balance $0 Details Balance: $0 - $49,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%

First National Bank of Michigan Savings Rates

Product	Rate	APY
First Personal Savings	0.10%	0.10%
Min Balance $0 Details Balance: $0+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
First Choice Commercial Savings	0.01%	0.01%
Min Balance $0 Details Balance: $0+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Health Savings Account	0.01%	0.01%
Min Balance $0 Details Balance: $0-$2,499 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Health Savings Account	0.01%	0.01%
Min Balance $2,500 Details Balance: $2,500-$4,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Health Savings Account	0.01%	0.01%
Min Balance $5,000 Details Balance: $5,000+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%

First National Bank of Michigan Money Market Rates

Product	Rate	APY
First Rate Money Market	1.75%	1.77%
Min Balance $5,000,000 Details Balance: $5,000,000+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
First Rate Money Market	1.50%	1.51%
Min Balance $2,000,000 Details Balance: $2,000,000-$4,999,999; Balance: $2,000,000-$4,999,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
First Growth Money Market	1.00%	1.00%
Min Balance $250,000 Details Balance: $250,000+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
First Rate Money Market	0.75%	0.75%
Min Balance $250,000 Details Balance: $250,000-$1,999,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
First Growth Money Market	0.50%	0.50%
Min Balance $100,000 Details Balance: $100,000-$249,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
First Growth Money Market	0.35%	0.35%
Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
First Growth Money Market	0.25%	0.25%
Min Balance $10,000 Details Balance: $10,000-$49,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
First Growth Money Market	0.15%	0.15%
Min Balance $0 Details Balance: $0-$9,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
First Rate Money Market	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000-$249,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
First Rate Money Market	0.05%	0.05%
Min Balance $0 Details Balance: $0-$24,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%

First National Bank of Michigan Checking Rates

Product	Rate	APY
Government/Not-for-Profit Community Funds Checking	0.45%	0.45%
Min Balance $250,000 Details Balance: $250,000+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Government/Not-for-Profit Community Funds Checking	0.20%	0.20%
Min Balance $0 Details Balance: $0-$249,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
First Advantage Checking	0.10%	0.10%
Min Balance $50,000 Details Balance: $50,000+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
First Advantage Checking	0.05%	0.05%
Min Balance $20,000 Details Balance: $20,000-$49,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
First Advantage Checking	0.01%	0.01%
Min Balance $0 Details Balance: $0-$4,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
First Advantage Checking	0.01%	0.01%
Min Balance $5,000 Details Balance: $5,000-$19,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
First Checking	0.01%	0.01%
Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%

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

First National Bank of Michigan’s Texas Ratio rose from 0.44% in Q3 2023 to 7.32% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 4.7 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$989M	7.32%	5.0	A
March 31, 2026	$982M	7.41%	5.0	A
December 31, 2025	$986M	7.60%	5.0	A
September 30, 2025	$972M	5.95%	5.0	A+
June 30, 2025	$981M	0.33%	5.0	A+
March 31, 2025	$960M	0.86%	5.0	A+
December 31, 2024	$971M	1.07%	5.0	A+
September 30, 2024	$974M	0.35%	5.0	A+
June 30, 2024	$978M	0.39%	5.0	A+
March 31, 2024	$1.0B	0.30%	5.0	A+
December 31, 2023	$981M	0.38%	5.0	A+
September 30, 2023	$972M	0.44%	4.7	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 First National Bank of Michigan 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 First National Bank of Michigan 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 First National Bank of Michigan's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First National Bank of Michigan

Bank Holding Company FIRST NATIONAL BCORP INC

Address 348 W Michigan Ave, Kalamazoo, MI 49007 · Kalamazoo

Website https://www.fnbmichigan.bank

FDIC Certificate # 58259

Established 20060412

FDIC Insurance Date 20060412

Domestic Offices 7

Total Branches 7

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 96/100

5.0

Exceptional Out of 5.0 Stars

7.32%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9818%

Return on Equity (ROE) 10.8500%

Non-Performing Loans (NPL) 0.67%

Total Assets $988,867,000

Total Deposits $807,175,000

Equity Capital $90,050,000

Net Income $4,839,000

Headquarters Kalamazoo

Total Branches and Offices 7

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

First National Bank of Michigan earned the Verified Healthy badge

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Frequently Asked Questions About First National Bank of Michigan

How many branches does First National Bank of Michigan operate?

First National Bank of Michigan currently maintains approximately 7 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, First National Bank of Michigan 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, First National Bank of Michigan provides members with tools to manage their accounts and build a solid financial history.

Does First National Bank of Michigan offer online and mobile banking?

Most modern institutions like First National Bank of Michigan 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.fnbmichigan.bank.