Personal Savings & CDs

Personal Savings

The Personal Savings account is perfect for customers who are ready to start saving. We waive the $300 minimum balance for minors.

Money Market Savings

Build your savings with our Money Market account. This account earns competitive interest on balances of more than $10,000.

Certificates of Deposits

Grow your money with First National Bank of Michigan! We offer competitive returns on a variety of amounts and terms and will help you find the right fit for your needs.

Download more information on the Rising Rate CD Special (PDF). Watch your CD interest rate rise over 18 months with the option to withdraw funds at the end of each 6-month period.

Health Savings Accounts

This tax-advantaged account enables you to save for qualified medical expenses and has free debit card and ATM access.

Individual Retirement Accounts

Also known as IRA accounts, these accounts are a safe way to save for retirement that offers steady return.

Insured Cash Sweep

First National Bank of Michigan offers ICS services accounts through Promontory Interfinancial Services, allowing both personal and commercial customers to be insured in up to $100 million in deposits, while only working with your local bank! Contact your banker to learn more about how ICS can keep your money secure.

Grow Your Money

We'll find the best savings solution for you.