Compare Personal Savings Accounts

Are you looking for a personal savings account in Michigan? For over a century, West Shore Bank has remained committed to helping the people along the lakeshore improve their financial well-being. That’s why West Shore Bank offers several options of personal savings accounts to meet a variety of needs. It’s easy to open a new account online or you can visit one of our nine locations from Hart to Traverse City.



Key Features

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Added Perks
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EMV Chip Debit Card w/Rewards

Save more and do more with your money.

Statement Savings

Perfect if you’re looking for a simple savings account to stash your funds and earn interest on your balance.
 
  • Set aside money for a wide range of personal needs or simply for a rainy day
  • Competitive interest
  • $100 minimum opening deposit
  • Waive the $5 quarterly fee: under age 18, or maintain a minimum daily balance of $100

Money Market Savings

Stow away funds for tomorrow—keeping them close at hand for anything life might bring.
 
  • Enjoy flexibility with enhanced access to funds
  • Greater earnings than statement savings
  • $100 minimum opening deposit
  • Avoid the monthly maintenance fee by maintaining $1,000 balance

Certificates of Deposit (CDs)

Save more and do more with a CD!
 
  • Set aside for future savings goals
  • Competitive, fixed rate for length of term
  • Greater earnings than standard saving accounts

Steady Saver

Reach your savings goal faster—and with less effort.

  • Save easily with automatic transfers from checking or savings (minimum $25)
  • Set the term needed to meet financial goals
  • Fixed rates, higher than regular savings

Christmas Club

Set money aside throughout the year for a more relaxed holiday.
 
  • Make deposits in any amount or set up automatic transfers 
  • Earn competitive interest
  • Funds available in November

Individual Retirement Accounts (IRAs)

Pay the future you for all your hard work.
 
  • Retirement savings with tax advantages2
  • Earn competitive interest higher than regular savings accounts
  • Available in traditional and Roth

Health Savings Account (HSA)

Be prepared with an innovative account that helps you save for qualified expenses.
 
  • Greater personal control over healthcare management and expenses
  • Save for qualified medical expenses
  • Earn tiered interest above standard savings on entire balance










1Standard text messaging and data plan rates may apply. Consult your mobile service provider for details on specific fees and charges that may apply.
2 Consult a tax advisor.












Earn $300 and more

with a new Interest Secure Checking

Interest Secure Checking gives you more including IDProtect®, Cell Phone Protection, $hopping Rewards, Telehealth and more. Don't forget new accounts are eligible to earn $300!
*0.04% Annual Percentage Yield.*