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 At Eastern Michigan Bank, we offer a variety of products to help you meet your short and long term personal savings goals. Personal short term savings options include basic savings accounts, money market accounts and health savings accounts (HSAs). Personal long term savings options include individual retirement accounts (IRAs) and certificates of deposit(CDs). 

To open an account, stop in to an Eastern Michigan Bank branch near you or get started now with our online Product Inquiry Form. Click here to find a location near you.

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


Money Market

Savings Account (HSA)

365 Club Account

Savers Youth Account

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

Interest rate tiers are 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

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