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Did You Know?

• You can get a 0.25% increase in your CD rates just by having a Golden Rewards NOW or Carefree Gold Account!
• You can earn up to 1% cash back just by using your VISA Debit Card & pressing "Credit" with CardCash™ cash back rewards!
• Pay anyone online with FREE Bill Pay
• eStatements are now available!

Personal CDs and IRAs

Looking for Long Term Savings?

Northern Michigan Bank & Trust offers a safe, secure way to save with a variety of CD terms and rates.

Certificates of Deposit

With the exception of the Two Year One Way CD ($5,000.00 to open), a minimum balance of $1,000 is required to open a CD account. Funds are kept until maturity. Interest is paid monthly, quarterly, or semi-annually dependent upon term. Penalty for early withdrawals. CDs are available for the following terms:

View our current deposit account rates. Our Customer Service Representatives will be glad to assist you with further questions you may have about our deposit accounts. Please call the bank nearest to you for assistance, or stop in at any of our 9 convenient locations.

IRAs (Individual Retirement Account)

Want to save money for the future? We offer Traditional IRAs, Roth IRAs, and Educational IRAs.

Funds are kept until maturity. Interest is paid monthly, quarterly, or semi-annually dependent upon term. Penalty for early withdrawals. IRAs are available for the following terms:

Contact your Northern Michigan Bank & Trust representative for current interest rates and details.