FDIC Federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government. LocationsContactHelp & Security
Michigan First BankMember FDIC · Est. 1974
Online Banking
Forgot?
Michigan's community bank since 1974

Banking built on trust, kept close to home.

Checking, savings, mortgages, and business banking — with real bankers at every Michigan branch and secure online access wherever you are.

Open an Account Explore Personal Banking

Today's Rates

Rates effective July 15, 2026. APY = Annual Percentage Yield. Member FDIC.
High-Yield Savings
4.35% APY
No minimum balance. FDIC insured.
Open savings →
12-Month CD
4.75% APY
$1,000 minimum to open.
View CD terms →
30-Yr Fixed Mortgage
6.12% APR
Purchase & refinance.
Get pre-qualified →
Free Checking
$0/mo
No monthly fee. Free debit card.
Open checking →

✓ Secure Online Banking

128-bit encrypted sign-on, account alerts, and 24/7 fraud monitoring on every account.

✓ $0 Fraud Liability

You're never responsible for unauthorized online transactions when reported promptly.

✓ Local, Since 1974

Personal bankers at every Michigan branch — decisions made close to home.