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Michigan Made Checking TM is one account with a depth of possibilities! As a member, you will earn points based on select activities and relationships you have connected to your Michigan Made Checking TM account. The total number of points earned during each monthly cycle* will determine your reward tier, which is directly tied to the amount of interest earned on your Michigan Made Checking account for the month.

Want to see the difference between your old checking and what Michigan Made will do for you? CLICK HERE to compare!

*APY = Annual Percentage Yield. APY is accurate as of 9/2/2020. This Account is subject to a Reward-based Tiered Fixed Rate. Rates subject to change. There are no recurring monthly service charges or fees to open or close this account. There is no minimum balance requirement. Rewards Checking Account allows you to control your interest rate reward based on the products/services used during each month. All daily collected balances will earn interest based on the combined rate rewards. Each monthly reward cycle will begin on the last business day of the preceding monthly statement cycle, and end on the day that immediately precedes the last day of the current month's statement cycle ("monthly reward cycle"). Earned reimbursements will post to Your Account on the last day of each statement cycle, subject to Your meeting the qualifying criteria during the preceding reward cycle. The APY shown on your monthly statement will reflect interest earnings for your entire balance. Interest will be calculated and posted on the last day of each month using an Average Daily Balance Method. If you close your account before interest is paid, you may not receive the accrued interest. Fees may reduce earnings. Limit one Michigan Made Checking Account per Social Security number. Debit cards based on eligibility. Loans based on approval. Membership eligibility guidelines apply.

Michigan Made Checking TM is a single account with a depth of possibilities to earn interest each month, receive ATM fee refunds and still enjoy your favorites such as:

  • No monthly fees
  • No minimum balance requirements
  • Free online account access
  • Free mobile access featuring remote check deposit
  • No surcharge access at over 30,000 ATMs nationwide through the CO-OP Network

 

Activities – Maximum 10 Points

1 Point Each For:

  • eStatements
  • Use Mobile or Home Branching within 60 days

2 Points Each For:

  • Direct Deposit/Auto Bill Pay
  • Debit Card with 10-24 Transactions Per Cycle
  • Credit Card with 10-24 Transactions Per Cycle

3 Points Each For:

  • Debit Card with 25+ Transactions Per Cycle
  • Credit Card with 25+ Transactions Per Cycle

Relationships – Maximum 6 Points

To earn points, loans and lines of credit must be in good standing and tied to Michigan Made.

3 points for ONE of the following:

  • Consumer Loan
  • Home Equity Loan
  • Line of Credit (with balance)
  • Home Equity Line of Credit (with balance)

3 points for:

  • Mortgage Loan

Examples

If you were to have these products:

  • eStatements +
  • Used Home Branching +
  • Used your debit card 10 or more times +
  • Had a direct deposit coming in to your account, or an automatic payment coming out of your account

You would be in the Michigan tier earning you up to 2.00%APY AND up to $10 ATM fee refunds per month!

If you were to have these products:

  • eStatements +
  • Used Home Branching or Mobile +
  • Used your credit card 10 or more times +
  • Had a direct deposit coming in to your account, or an automatic payment coming out of your account
  • Used your debit card 25 or more times + 
  • Had an auto loan with us

You would be in the Superior tier earning you up to 2.25%APY AND up to $10 ATM fee refunds per month!

For a full list of the tiers, check out the next section on this page!

The Michigan Made Checking TM account features 5 reward tiers, named for our Great Lakes. Each reward tier offers varying interest rates with the opportunity to earn up to 2.25%APY and ATM fee refunds on select tiers.

Reward Tier

Balances up to $10,000

Balances of $10,000 - $20,000

Balances of $20,000 - $999,999,999

ATM Fee Refunds

Erie (0 – 1 Points)

0.00%APY

0.00%APY

0.00%APY

 

Ontario (2 – 3 Points)

0.25%APY

0.15%APY

0.05%APY

 

Huron (4 – 5 Points)

0.50%APY

0.25%APY

0.10%APY

 

Michigan (6 – 10 Points)

2.00%APY

1.00%APY

0.35%APY

Up to $10

Superior (11+ Points)

2.25%APY

1.25%APY

0.50%APY

Up to $10