Rates

Deposit Rates

Savings Accounts
Money Market Accounts
Checking Accounts

Loan Rates

Automobile Loans
Recreational Vehicles
Secured Loans
Residential Mortgage Loans
Home Equity Loans

Certificate Of Deposit Rates

Certificate of Deposits

Health Savings Accounts

Health Savings Accounts


APY=Annual Percentage Yield

Savings Accounts

Account Type Tiered Interest Rate APY Compounded
MBT Savings Balance to $2499.99 .05% .05% Daily
  $2,500 - $24,999.99 .10% .10% Daily
  $25,000 - $49,999.99 .15% .15% Daily
  $50,000 & Over .20% .20% Daily
MBT Children Savings Balance to $4,999.99 .10% .10% Daily
  $5,000 & Over .15% .15% Daily

Statement Savings require $100 to open account.
Children Savings require $50 to open account.  Fees on accounts may reduce earnings. Rates are subject to change at the banks discretion without notice.
 

 

Money Market Accounts

Account Type Tiered Interest Rate APY Compounded
MBT Money Market Balance to $2,499.99 .05% .05% Daily
  $2,500 - $24,999.99 .10% .10% Daily
  $25,000-$99,999.99 .15% .15% Daily
  $100,000 and over .20% .20% Daily

Money Market accounts require $2500 to open.   Fees on accounts may reduce earnings. Rates are subject to change at the banks discretion without notice.
 

Checking Accounts

Account Type Tiers Blended Rate APY Compounded
**MBT Checking Balance to $2,499.99 0.00% 0.00% Daily
  $2,500 - $9,999.99 .10% .00% - .07% Daily
  $10,000 - $49,999.99 .15% .07% - .13% Daily
  $50,000 & Over .20% .13% - .18% Daily
**MBT 50+ Checking Balance to $2,499.99 0.00% 0.00% Daily
  $2,500 - $9,999.99 .10% .00% - .07% Daily
  $10,000 - $29,999.99 .15% .07% - .13% Daily
  $30,000 & Over .20% .13% - .18% Daily

MBT Checking & MBT 50+ Checking requires $100.00 to open.  Fees on accounts may reduce earnings.  Rates are subject to change at the banks discretion without notice. 
**The rate is based upon a $200,000 deposit for purposes of this example. 
 

Automobile Loans

Account Type Model Term Max Term Rate Annual Percentage Rate
2014-2013 New/Used 63 69* 3.44% 3.489%
2013-2012 New/Used 48 54 3.24% 3.238%
2013-2012 New/Used 36 42 2.99% 2.987%
2011-2009 Used 60 60 4.24% 4.239%
2011-2009 Used 48 54 3.99% 3.988%
2011-2009 Used 36 42 3.74% 3.736%
2008-2006 Used 48 48 4.99% 4.987%
2008-2006 Used 36 42 4.74% 4.735%
2008-2006 Used 24 30 4.49% 4.483%
2005-2003 Used 24 30 5.99% 5.980%
2003 or older Used 24 24   Unsecured rates

For information concerning other financing option contact the branch nearest you.

*66 Months - MSRP or NADA Retail Value of $25,000 or greater.

ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE

Rates are subject to applicants and collateral meeting qualification requirements.

Annual Percentage Rate is based on $20,000

Interest rates may vary and are indexed to the Prime Rate as published on the last business day of the month in the Wall Street Journal. As of January 31, 2012 the Prime Rate is 3.25% APR. 

Rates are accurate as of Janurary 24, 2014

Recreation Vehicle Loans

Model Max LTV Max Term Rate Annual Percentage Rate
New 90% 65 5.53% 5.7696%
New 90% 89 6.07% 6.2505%
New 90% 127 6.81% 6.9434%
Used 85% 65 8.97% 9.2182%

ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE

Rates are subject to applicants and collateral meeting qualification requirements

Annual Percentage Rate is based on $20,000, $125 in prepaid fees

Interest rates may vary and are indexed to the Prime Rate as published on the last business day of the month in the Wall Street Journal. As of January 31, 2012 the Prime Rate is 3.25% APR.

Rates are accurate as of Janurary 24, 2014

Secured Loans
(Boats, Motorcycles, Trailers, ATV's, Personal Watercraft)

Year Model Max LTV Max Term Rate Annual Percentage Rate
2014-2012 New/Used 90% 65 5.86% 6.1004%
2011-2010 Used 85% 53 6.03% 6.3213%
2009 Used 80% 53 6.29% 6.5819%
2008 Used 80% 39 6.61% 6.9999%

ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE

Rates are subject to applicants and collateral meeting qualification requirements.  Pricing assumes AFT from MBT deposit account. 

Annual Percentage Rate is based on $20,000, $125 in prepaid charges.

Interest rates may vary and are indexed to the Prime Rate as published on the last business day of the month in the Wall Street Journal. As of January 31, 2012 the Prime Rate is 3.25% APR.

Rates are accurate as of Janurary 24, 2014

Residential Mortgage Loans

*Annual Percentage Rate
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Program Rate APR*
30 Year Fixed 4.375% 4.403%
20 Year Fixed 4.125% 4.164%
15 Year Fixed 3.375% 3.423%
3/1 ARM 2.870% 2.896%
5/1 ARM 3.370% 3.397%

ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE

Rates are subject to applicants and property meeting qualification requirements.  Pricing assumes AFT from MBT Deposit.

Annual Percentage Rate is based on a $150,000 loan, $500 in prepaid finance charges, no discount points, and no PMI. APR for ARM loans is based on a $150,000 loan, $500 in prepaid finance charges, no discount points, no PMI. This calculation is based on the initial rate for the initial term and uses a 2.00% index and a 3.00% margin (or other margin as indicated in product) for one change for the remainder of the term.

Interest rates may vary and are indexed to the Prime Rate as published on the last business day of the month in the Wall Street Journal. As of January 31, 2012 the Prime Rate is 3.25% APR. Adjustable Rates are tied to the 1-year Constant Maturity Treasury Rates.

Rates are accurate as of  February 11, 2014

Home Equity Installment Loans

Program Max LTV Annual Percentage Rate Annual Percentage Rate
5 Year Fixed 80% 3.990% 4.072%
5 Year Fixed 85% 4.490% 4.527%
10 Year Fixed 80% 4.740% 4.822%
10 Year Fixed 85% 5.240% 5.323%
15 Year Fixed 80% 5.490% 5.573%
15 Year Fixed 85% 5.990% 6.073%

For information concerning other financing options, contact the branch nearest you.

ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE

Rates are subject to applicants and collateral meeting qualification requirements. Rates assume first mortage at MBT and an AFT from MBT deposit account. 

Annual Percentage Rate is based on $50,000, $125 in prepaid fees.
Interest rates may vary and are indexed to the Prime Rate as published on the last business day of the month in the Wall Street Journal.  As of January 31, 2012 the Prime Rate is 3.25% APR.

Rates are accurate as of  January 24, 2014

CD Rates

Account Type Interest Rate APY
1 Month .10% .10%
3 Month .15% .15%
6 Month .20% .20%
9 Month .25% .25%
12 Month .30% .30%
18 Month .40% .40%
24 Month .50% .50%
30 Month .55% .55%
36 Month .65% .65%
48 Month .90% .90%
60 Month 1.00% 1.00%

Fees on accounts may reduce earnings.  A penalty may be imposed for early withdrawal. 
Rates are subject to change at the Bank's discretion without notice.

Health Savings Accounts

Tiered Interest Rate APY Compounded
Less than $500 0.00% 0.00% Monthly
$500 and over .75% .75% Monthly

No minimum balance required to open account.  Fees on accounts may reduce earnings. 
Rates are subject to change at the Bank's discretion without notice.  Rates are accurate as of Janurary 24, 2014
 

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