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Personal Savings

FNBM believes in giving you the tools you need to succeed financially and personally by helping you save for the future or the unexpected.

FNBM Savings Solutions

Personal Savings

Our Personal Savings accounts are perfect for customers who are ready to start saving. We even waive the $300 minimum balance for minors.

Money Market Savings

Build your savings with our Money Market accounts. These accounts earn competitive interest on balances of $10,000 and higher.

Health Savings Accounts

These tax-advantaged accounts enable you to save for qualified medical expenses and offers free debit card and ATM access.

Individual Retirement Accounts

Also known as IRA accounts, these accounts help you safely save for retirement by offering steady returns.

Insured Cash Sweep

Through Promontory Interfinancial Services, we offer ICS services to insure your deposits of up to $100 million while only working with your local bank.

Find Your Local Personal Banker

Vice President, Residential Lending
NMLS #1168665
Assistant Vice President, Downtown Kalamazoo Branch and Consumer Loan Manager
NMLS #1116733
Assistant Vice President, Portage Branch Manager
NMLS #1812043
Downtown Kalamazoo Branch Manager
NMLS #839892
Vice President, Holland Branch Manager
NMLS #746972
Vice President, Kalamazoo West Branch Manager
NMLS #874958
Vice President, Lansing Branch Manager, Treasury Management Officer
NMLS #1458101
Vice President, Grand Rapids Branch Manager
NMLS #922771

Current Rates

First Personal Savings

The minimum to open is $100. A minimum monthly balance of $300- is required to avoid fees.
Current First Personal Savings Rates
Balance Interest Rate APY *
$0+ 0.10% 0.10%
*APY = Annual Percentage Yield. APY is based on a $2,500 balance for 12 months. Current rates are subject to change. Fees could reduce earnings.
Last updated on 03/01/2024.

First Growth Money Market

The minimum to open is $100. A minimum monthly balance of $10,000 is required to avoid fees.
Current First Growth Money Market Rates
Balance Interest Rate APY *
$0-$9,999 0.15% 0.15%
$10,000-$49,999 0.25% 0.25%
$50,000-$99,999 0.35% 0.35%
$100,000-$249,999 0.50% 0.50%
$250,000+ 1.00% 1.00%
*APY = Annual Percentage Yield. APY is based on a $2,500 balance for 12 months. Current rates are subject to change. Fees could reduce earnings.
Last updated on 03/01/2024.

Health Savings Account

The minimum to open is $100. Average monthly balance of $1,000 is required to avoid fees.
Current Health Savings Account Rates
Balance Interest Rate APY *
$0-$2,499 0.01% 0.01%
$2,500-$4,999 0.01% 0.01%
$5,000+ 0.01% 0.01%
*APY = Annual Percentage Yield. APY is based on a $2,500 balance for 12 months. Current rates are subject to change. Fees could reduce earnings.
Last updated on 03/01/2024.

The FNBM Difference Working for You

We believe in local leadership and local decision making.

We understand that direct access to your banker is important.

We know the importance of giving back to our community.

Learn more about why First National Bank of Michigan is right for you.