Insured Municipal Savings

With our Insured Municipal Savings account, you can enjoy daily liquidity while reinvesting taxpayer funds in your local community.
man and woman touching hands in greenhouse

Reinvest in your community.

With a  free, interest-bearing municipal savings account that boosts your balance monthly.

Key Features

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Competitive Interest
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No Monthly Fees








What are the Benefits of an Insured Municipal Savings Account?

With a Municipal Savings Account, you’ll enjoy flexibility and ease while earning a competitive rate of return on your funds.

  • Designed specifically for government entities only
  • Higher returns than standard savings account
  • Competitive tiered interest rates
  • Receive higher rates based on average balance
  • Provides more guarantee than other risky investments
  • $500 minimum deposit to open

Open an Insured Municipal Savings Account

West Shore Bank has been Making a Difference Since 1898. For over a century, West Shore Bank has remained committed to helping the people and businesses in Michigan improve their financial well-being. Visit one of our nine locations in Ludington, Frankfort, Hart, Manistee, Onekama, Scottville, or Traverse City or contact one of our treasury management representatives for an appointment. 



FAQs

Our Municipal Savings Account is designed specifically for government entities, providing a secure way to manage taxpayer funds while earning competitive interest. With this account, you can enjoy daily liquidity and reinvest in your local community with ease.

By choosing a Municipal Savings Account, you gain access to higher returns compared to standard savings accounts, flexible tiered interest rates based on your average balance, and no monthly fees. It's a great way to ensure your funds are working for you while supporting local initiatives.

To open an Insured Municipal Savings Account at West Shore Bank, a minimum deposit of $500 is required. This allows you to take advantage of competitive interest rates while keeping your funds secure.

No, there are no monthly fees for our Municipal Savings Account. This means you can focus on growing your savings without worrying about additional charges eating into your funds.

The interest rate for a Municipal Savings Account is competitive and tiered, meaning the rate you earn can increase based on your average balance. This structure rewards you for saving more, providing greater returns on your investment.

Yes, our Municipal Savings Accounts are FDIC-insured, which means your funds are protected up to the maximum limits set by the U.S. government. Your financial security is our top priority.

Opening an Insured Municipal Savings Account is easy! You can visit any of our nine local branches, or you can contact our treasury management representatives for assistance. We're here to help!

Absolutely! Our online banking platform allows you to manage your Municipal Savings Account conveniently. You'll have access to your account information anytime, making it easier to track your savings and growth.

Municipal Savings Accounts are specifically designed for government entities such as municipalities, schools, and other public organizations. If you're part of a local government body, this account can help you effectively manage taxpayer funds.

West Shore Bank has been committed to serving our community since 1898, providing reliable banking services tailored to local needs. Our Municipal Savings Account offers competitive interest rates, no monthly fees, and a strong community focus, making it a great choice for local government entities.

You can reach out to us by calling our customer service line at (888) 295-4373 or visiting one of our branches. We're always ready to answer your questions and assist you with your banking needs.











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Give employees easy access to financial expertise, banking solutions, and exclusive discounts designed to help them save and reach their financial goals.