Make your money grow even faster.
Earn our highest dividends by using digital banking tools.
Earn more on your deposits
Save time and energy with direct deposit
Free online and mobile banking
Take a big step toward building your savings
Michigan First has turned digital banking into a convenient and profitable experience. If you limit your trips to our branches, do most of your banking online, and sign up for direct deposit, you'll be rewarded with a higher dividend rate on your account. It's an easy way to put more money in your pocket, just for banking online.
- Earn higher interest rates when you make $400 or more in monthly direct deposits and meet other criteria1
- Free Mastercard® debit/ATM card
- Access to over 30,000 surcharge-free ATMs (over 1,600 in Michigan)
- Free online and mobile banking
- 24/7 member service through our 365 Live Call Center
- Receive electronic e-statements
- Pay bills electronically (must have a savings account as well)
- No monthly fee2
- Provide Overdraft Coverage for your checking account
- Must be 18 or older to open an account. Ages 13-17 can open an account with a parent or guardian
| APY1 | Dividend Rate | Daily Balance2 |
|---|---|---|
| 0.15% | 0.15% | $1 to $999 |
| 0.20% | 0.20% | $1,000 to $4,999 |
| 0.20% | 0.20% | $5,000 to $24,999 |
| 0.25% | 0.25% | $25,000 and up |
Michigan First is a full-service credit union with branches that are easily accessible around Metro Detroit, Grand Rapids and mid-Michigan.
Disclaimer:
1Receive your monthly statements electronically; Maintain a Michigan First Premier Checking Account; Perform no more than two “in-person” and/or “mail-in” transactions a month; Maintain a minimum of $400 deposited through Direct Deposit in any Michigan First account; Use your Michigan First Debit Card 10 or more times a month for signature based or PIN-based purchases. Debit transactions have to post within the month authorized in order to qualify for the SavingsPlus rate. All rates and APYs are subject to change at any time.
2A $100 aggregate balance must be maintained across all Michigan First accounts after the first three months of membership in order to avoid a monthly minimum balance fee. View our fee schedule.
