What are the current interest rates at Northpointe Bank?

Current rates for Northpointe Bank include: 12-Month CD: 3.25%, 18-Month CD: 3.50%, 24-Month CD: 3.50%, 36-Month CD: 3.60%, 48-Month CD: 3.65%, 60-Month CD: 3.70%, Savings: 2.55%, MMA: 2.55%

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Northpointe Bank Rates & Review October 2026

Q: How many branches does Northpointe Bank operate?

Northpointe Bank currently maintains approximately 1 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, Northpointe Bank 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, Northpointe Bank 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

Northpointe Bank's top rates as of October 7, 2026 are 3.70% APY on its 60-Months 60-Month Certificate of Deposit, 2.55% APY on savings, 2.55% APY on money market accounts, and 1.00% APY on checking, according to rates verified by MonitorBankRates. Other Northpointe Bank CD rates include 48-Months 48-Month Certificate of Deposit at 3.65%, 36-Months 36-Month Certificate of Deposit at 3.60%, and 11-Month CD Special at 3.55%. MonitorBankRates evaluates the financial stability of Northpointe Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.47%. Rates last updated and verified on 10/07/2026.

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

Verified Healthy Q2 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

8.47%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Northpointe Bank

3333 Deposit Dr Ne
Grand Rapids, MI 49546

https://www.northpointe.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.

Northpointe Bank CD Rates

Product	Rate	APY	Term
60 Month Certificate of Deposit	3.64%	3.70%	60 Months
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.47%
48 Month Certificate of Deposit	3.59%	3.65%	48 Months
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.47%
36 Month Certificate of Deposit	3.54%	3.60%	36 Months
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.47%
11-Month CD Special	3.49%	3.55%	11-Month
Min Deposit $25,000 Details New Money Only Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.47%
11-Month CD Special	-	3.55%	11-month
Min Deposit $25,000 Min Balance $25,000 Details New money only. No maximum deposit. Funds already on deposit with Northpointe Bank in any other account within the 60 days preceding the date that the new Account is opened may not be used to qualify for this offer. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.47%
18 Month Certificate of Deposit	3.45%	3.50%	18 Months
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.47%
24 Month Certificate of Deposit	3.45%	3.50%	24 Months
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.47%
30 Month Certificate of Deposit	3.45%	3.50%	30 Months
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.47%
12 Month Certificate of Deposit	3.20%	3.25%	12 Months
Min Deposit $1,000 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: 8.47%
6 Month Certificate of Deposit	2.96%	3.00%	6 Months
Min Deposit $1,000 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: 8.47%
7 - 91 Day Certificate of Deposit	2.47%	2.50%	7 - 91 Days
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.47%
92 - 182 Day Certificate of Deposit	2.47%	2.50%	92 - 182 Days
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.47%

Northpointe Bank Savings Rates

Product	Rate	APY
Ultimate Savings	2.52%	2.55%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000.00 - $3,000,000.00 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.47%
Kid's Savings	1.49%	1.50%
Min Deposit $10 Min Balance $0 Details Balance: $0.00-$1,000.00 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.47%
Kid's Savings	1.11%	1.50%
Min Deposit $10 Min Balance $1,000 Details Published APY range: 1.50%-1.12%. Balance: $1,000.01-$9,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.47%
Health Savings Account	0.50%	0.50%
Min Deposit $100 Min Balance $0 Details Balance: $0.01+ 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: 8.47%
IRA Money Market / IRA Liquid Savings	0.34%	0.35%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $1,000,000.00 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.47%
Ultimate Savings	0.34%	0.35%
Min Deposit $100 Min Balance $5,000 Details Balance: $5,000.00 - $24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.47%
IRA Money Market / IRA Liquid Savings	0.30%	0.30%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.000.01 + Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.47%
Ultimate Savings	0.30%	0.30%
Min Deposit $100 Min Balance $3,000,000 Details Balance: $3,000,000.01 + Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.47%
IRA Money Market / IRA Liquid Savings	0.25%	0.25%
Min Deposit $1,000 Min Balance $2,500 Details Balance: $2,500.00 - $24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.47%
Ultimate Savings	0.25%	0.25%
Min Deposit $100 Min Balance $100 Details Balance: $100.00 - $4,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.47%
IRA Money Market / IRA Liquid Savings	0.20%	0.20%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.00 - $2,499.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.47%

Northpointe Bank Money Market Rates

Product	Rate	APY
Ultimate Money Market	2.52%	2.55%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000.00 - $3,000,000.00 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.47%
IRA Money Market / IRA Liquid Savings	0.34%	0.35%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $1,000,000.00 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.47%
Ultimate Money Market	0.34%	0.35%
Min Deposit $100 Min Balance $5,000 Details Balance: $5,000.00 - $24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.47%
Ultimate Money Market	0.34%	0.35%
Min Deposit $100 Min Balance $3,000,000 Details Balance: $3,000,000.01 + Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.47%
IRA Money Market / IRA Liquid Savings	0.30%	0.30%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.000.01 + Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.47%
IRA Money Market / IRA Liquid Savings	0.25%	0.25%
Min Deposit $1,000 Min Balance $2,500 Details Balance: $2,500.00 - $24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.47%
Ultimate Money Market	0.25%	0.25%
Min Deposit $100 Min Balance $2,500 Details Balance: $2,500.00 - $4,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.47%
IRA Money Market / IRA Liquid Savings	0.20%	0.20%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.00 - $2,499.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.47%

Northpointe Bank Business Money Market Rates

Product	Rate	APY
Business Money Market	0.34%	0.35%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00- $99,999.99 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: 8.47%
Business Money Market	0.34%	0.35%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00-$499,999.99 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: 8.47%
Business Money Market	0.30%	0.30%
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000+ Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.47%
Business Money Market	0.25%	0.25%
Min Deposit $1,000 Min Balance $2,500 Details Balance: $2,500.00- $24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.47%
Business Money Market	0.20%	0.20%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.00 - $2,499.99 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: 8.47%

Northpointe Bank Checking Rates

Product	Rate	APY
Ultimate Checking	0.99%	1.00%
Min Balance $0 Details Qualifications Required; Balance: $0.01 + Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.47%
Interest Checking	0.30%	0.30%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000.00 - 499,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.47%
Interest Checking	0.30%	0.30%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000.00+ Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.47%
Interest Checking	0.25%	0.25%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.47%
Interest Checking	0.15%	0.15%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.47%
Texas AIO Checking	0.07%	0.07%
Min Balance $0 Details Only available to Texas AIO Loan Customers; Balance: $0.01 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.07% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.47%
Interest Checking	0.05%	0.05%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.47%
Ultimate Checking	0.05%	0.05%
Min Deposit $100 Details Non-qualifying balances Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.47%

Northpointe Bank Business Checking Rates

Product	Rate	APY	View More
Business Plus Checking	0.10%	0.10%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01 + Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.47%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Northpointe Bank’s Texas Ratio rose from 5.47% in Q3 2023 to 8.47% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. 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	$7.5B	8.47%	5.0	A
March 31, 2026	$7.4B	9.25%	5.0	A
December 31, 2025	$7.0B	9.73%	5.0	A
September 30, 2025	$6.8B	8.98%	5.0	A
June 30, 2025	$6.4B	9.61%	5.0	A
March 31, 2025	$5.9B	9.82%	5.0	A
December 31, 2024	$5.2B	10.20%	5.0	A
September 30, 2024	$5.4B	9.35%	5.0	A
June 30, 2024	$5.2B	8.85%	5.0	A
March 31, 2024	$4.9B	5.92%	5.0	A+
December 31, 2023	$4.8B	5.47%	5.0	A+
September 30, 2023	$4.9B	5.47%	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 Northpointe Bank 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 Northpointe Bank 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 Northpointe Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Northpointe Bank

Bank Holding Company NORTHPOINTE BANCSHARES INC

Address 3333 Deposit Dr Ne, Grand Rapids, MI 49546 · Kent

Website https://www.northpointe.com

FDIC Certificate # 34953

Established 19990521

FDIC Insurance Date 19990521

Domestic Offices 1

Total Branches 1

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 96/100

5.0

Exceptional Out of 5.0 Stars

8.47%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3165%

Return on Equity (ROE) 14.0500%

Non-Performing Loans (NPL) 1.11%

Total Assets $7,529,347,000

Total Deposits $5,253,877,000

Equity Capital $708,296,000

Net Income $48,157,000

Headquarters Grand Rapids

Total Branches and Offices 1

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Northpointe Bank earned the Verified Healthy badge

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Frequently Asked Questions About Northpointe Bank

How many branches does Northpointe Bank operate?

Northpointe Bank currently maintains approximately 1 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, Northpointe Bank 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, Northpointe Bank provides members with tools to manage their accounts and build a solid financial history.

Does Northpointe Bank offer online and mobile banking?

Most modern institutions like Northpointe Bank 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.northpointe.com.