Chemical Bank - Nationwide Branches

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Branch	Address	View Lobby Hours
Chum's Corners	4205 Us 31 South, Traverse City, MI 49684	View Lobby Hours
Manistee First Street	325 1st Street, Manistee, MI 49660	View Lobby Hours
Ludington East Branch	3965 West Us 10, Ludington, MI 49431	View Lobby Hours
Petoskey North	300 Howard Street, Petoskey, MI 49770	View Lobby Hours
Suttons Bay Branch	212 Saint Joseph Avenue, Suttons Bay, MI 49682	View Lobby Hours
Gaylord South	2091 South Otsego Ave., Gaylord, MI 49735	View Lobby Hours
Traverse City Downtown	203 S. Union Street, Suite A, Traverse City, MI 49684	View Lobby Hours
Cadillac South	150 Granite Street, Cadillac, MI 49601	View Lobby Hours
Charlevoix Branch	1425 Bridge Street, Charlevoix, MI 49720	View Lobby Hours
Traverse City West Bay	13936 South West Bay Shore Drive, Traverse City, MI 49684	View Lobby Hours
Leland Branch	115 North Main Street, Leland, MI 49654	View Lobby Hours
Kalkaska Office	112 South Cedar, Kalkaska, MI 49646	View Lobby Hours
Kingsley Branch	111 North Brownson Avenue, Kingsley, MI 49649	View Lobby Hours
Suttons Bay South Branch	105 West Fourth Street, Suttons Bay, MI 49682	View Lobby Hours
Ludington Downtown	101 East Court Street, Ludington, MI 49431	View Lobby Hours
375 North Willowbrook Rd Branch	375 N. Willowbrook Road, Coldwater, MI 49036	View Lobby Hours
365 N. Broadway Branch	365 N. Broadway, Union City, MI 49094	View Lobby Hours
West Carleton Branch	1 West Carleton, Hillsdale, MI 49242	View Lobby Hours
Marshall Bank Branch	107 N Park Street, Marshall, MI 49068	View Lobby Hours
Bad Axe	833 North Van Dyke, Bad Axe, MI 48413	View Lobby Hours
Sebewaing	668 Unionville Road, Sebewaing, MI 48759	View Lobby Hours
Harbor Beach	106 South Huron, Harbor Beach, MI 48441	View Lobby Hours
Lakeview Branch	9650 North Greenville Road, Lakeview, MI 48850	View Lobby Hours
Zeeland North	9581 Riley, Zeeland, MI 49464	View Lobby Hours
Evart Branch	9568 Sthy 10, Evart, MI 49631	View Lobby Hours
Berrien Springs Branch	9190 Old Us Highway 31, Berrien Springs, MI 49103	View Lobby Hours
Bridge Street Branch	910 Bridge Street Northwest, Grand Rapids, MI 49504	View Lobby Hours
Baroda Branch	9061 South First Street, Baroda, MI 49101	View Lobby Hours
Reed City Branch	840 S. Chestnut Street, Reed City, MI 49677	View Lobby Hours
Fairplain Branch	834 Nickerson Avenue, Benton Harbor, MI 49022	View Lobby Hours
Benton Harbor Downtown	433 West Main Street, Benton Harbor, MI 49022	View Lobby Hours
Clare Main Office	807 Mcewan Street, Clare, MI 48617	View Lobby Hours
Houghton Lake Heights Branch	7409 West Houghton Lake Drive, Houghton Lake, MI 48629	View Lobby Hours
Portage Branch	8025 Creekside Drive, Portage, MI 49024	View Lobby Hours
South Haven-Suburban Branch	73881 M-43, South Haven, MI 49090	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000% 0.00 points $0 fees	$0	Learn More
NMLS ID: 449401	6.090%	6.090% 0.00 points $0 fees	$1,938	Learn More
NMLS ID: 6606	6.218%	6.125% 1.00 points $3,178 fees	$1,945	Learn More
NMLS ID: 1025894	6.353%	6.250% 0.88 points $3,503 fees	$1,971	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
PenFed Credit Union See Table	0.000 %	$0	Learn More More Info
Interest-only payments during the 10-year draw period Loans Amounts from $25,000 - $500,000. Get a HELOC from PenFed to Put Your Home Equity to Work. HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans. Home Equity Line of Credit - Equal Housing Lender.
Upstart Home Lending See Table	Intro APR 6.520 % After Intro: 6.520 %	$20,800	Learn More More Info
1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC dba Upstart Home Lending. NMLS #2443873 As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard Fixed rate on each draw No paperwork needed to apply
Achieve Loans See Table	Intro APR 6.740 % After Intro: 6.740 %	$0	Learn More More Info
Offers may vary; all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Fixed rate APRs range from 6.240%- 14.00% and are assigned based on underwriting requirements. Offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (up to 3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. CLTV ratio may not exceed 75%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. 6.240% APR requires low DTI and CLTV; a maximum loan amount of up to $150,000; 10-year term; FICO 780+; and automatic payment enrollment. Contact Achieve Loans for further details. Equal Housing Opportunity. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 600
Valley Strong Credit Union See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day closing assumes closing the loan with our remote online notary. Closing timelines will be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Get your offer in 5 minutes and funding in as few as 5 days Personalized banking solutions to help reach your financial goals Up to $400K Terms of 10,15, or 30 years
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period

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