Michigan First Credit Union

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Regular Savings
A smart savings plan can put your finances on track to reach your goals. With money in the bank, you’ll be ready to experience a future full of possibilities and take on the occasional challenge. We’ll provide personalized advice and craft a savings plan tailored for you.
  • $10 minimum opening deposit
  • Earn competitive dividends on deposits
  • NCUA Insured up to $250,000 and covered by Excess Share Insurance for up to an additional $250,000
Premier Checking
Life gets busy and it’s easy to get behind schedule. Pay bills online in minutes, make quick purchases with a free debit card, and find an ATM around almost any corner.
  • MoneyNow Overdraft Protection
  • No Monthly Fee
  • NCUA Insured up to $250,000 and covered by Excess Share Insurance for up to an additional $250,000
First Gear Checking
The perfect checking account for young adults. Earn money through dividends on deposits and spend money on what you want – not on overdraft fees.
  • Open to young adults ages 17 to 25
  • Discount on auto loans
  • Minimum $10 deposit, with Oops Overdraft Forgiveness and Overdraft Protection
Money Market
Life can get expensive, which is why we all look for faster ways to grow our savings. While some attractive investments require a lengthy commitment, Money Market funds can be accessed any time you need them.
  • Minimum deposit required for dividend earnings is only $2,500 with no maximum balance
  • Dividends as high as 2.53% APY, which is higher than many traditional savings accounts
  • NCUA Insured up to $250,000 and covered by Excess Share Insurance for up to an additional $250,000
Secondary Savings Account
A smart savings plan can put your finances on track to reach your goals. With money in the bank, you’ll be ready to experience a future full of possibilities and take on the occasional challenge.
  • No Monthly Fee
  • Dividends as high as 0.30% APY
  • NCUA Insured up to $250,000 and covered by Excess Share Insurance for up to an additional $250,000
Savings Plus
Take a big step toward building your savings. 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 on your account.
  • Dividends as high as 3.20% APY when you qualify for Bonus Dividends.
  • Chance to earn higher dividends when you make $400 or more in monthly direct deposits and other criteria
  • NCUA Insured up to $250,000 and covered by Excess Share Insurance for up to an additional $250,000
Certificate
You've set some ambitious long-term savings goals. When you need a guaranteed rate of return, set aside money in a certificate account for anywhere from six months to five years.
  • Low minimum opening deposit of $1,000 with no maximum balance
  • Dividends as high as 3.56% APY, with the option to bump up your earnings with MoneyPerks Points
  • NCUA Insured up to $250,000 and covered by Excess Share Insurance for up to an additional $250,000
06 Month Certificate