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At Eastern Michigan Bank we offer a variety of products to help you meet your short and long term savings goals. Short term savings options include savings accounts, money market accounts and certificates of deposit. Products designed with longer range goals in mind include individual retirement accounts (IRAs), education savings accounts (ESAs) and Health Savings Accounts (HSAs).

Scroll to the right to view the rest of the table.


Money Market


365 Club


Minimum Opening Deposit






Min. Balance Requirements



Monthly Service Charge



Earns Interest

Interest Rate Tiers

4 tiers*

4 tiers*

Minimum to Earn Interest



Free ATM Transactions

ATM/Debit Card

Online Banking

Telephone Banking

Additional Benefits

Check writing privileges

Free piggy bank

Tiered rates as follows:

  • $100,000 - $100,000+
  • $25,000 - $99,999
  • $2,500 - $24,999
  • $0 - $2,499

*Waived if you have direct deposit or are at least 62...
**Debit card subject to approval

View Current Deposit Account Rates

To open an account, just stop by the Eastern Michigan Bank location nearest you. Pressed for time? We can get the process started right now with our online Product Inquiry Form.

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