Southern Michigan Bank & Trust - Nationwide Branches

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Branch	Address	View Lobby Hours
Westland Branch	58665 U.S. 131, Three Rivers, MI 49093	View Lobby Hours
Battle Creek Branch	5350 Beckley Road, B Drive North, Battle Creek, MI 49015	View Lobby Hours
Shopping Center Branch	51 West Pearl Street, Coldwater, MI 49036	View Lobby Hours
Southern Michigan Bank & Trust	45-51 West Pearl Street, Coldwater, MI 49036	View Lobby Hours
East Chicago Branch	441 East Chicago Street, Coldwater, MI 49036	View Lobby Hours
The Motor Bank Branch	405 North Broadway, Union City, MI 49094	View Lobby Hours
Constantine Branch	345 North Washington, Constantine, MI 49042	View Lobby Hours
Centreville Branch	235 East Main Street, Centreville, MI 49032	View Lobby Hours
Union City Branch	225 North Broadway, Union City, MI 49094	View Lobby Hours
Tekonsha Branch	202 North Main Street, Tekonsha, MI 49092	View Lobby Hours
Chicago Street Branch	2 West Chicago Street, Suite A, Coldwater, MI 49036	View Lobby Hours
Mendon Branch	136 North Nottawa, Mendon, MI 49072	View Lobby Hours
Marshall Branch	1110 West Michigan Avenue, Marshall, MI 49068	View Lobby Hours
Camden Branch	107 North Main Street, Camden, MI 49232	View Lobby Hours
Hillsdale Branch	10 East Carlton Road, Hillsdale, MI 49242	View Lobby Hours
Portage Branch	531 West Kilgore, Portage, MI 49024	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 2262032 License#: RM.804810.000	6.722%	6.625% 0.50 points $3,200 fees	$2,049	Learn More
NMLS ID: 1835285	6.758%	6.625% 0.88 points $4,400 fees	$2,049	Learn More
NMLS ID: 401822	6.896%	6.750% 0.88 points $4,795 fees	$2,076	Learn More
NMLS ID: 757416	7.055%	6.990% 0.63 points $2,118 fees	$2,127	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
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
Rate See Table	Intro APR 8.100 % After Intro: 8.100 %	$25,000	Learn More More Info
A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. 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 funding timeline assumes closing the loan with our remote online notary. Funding timelines may 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. Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and governement fees, as applicable) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. Funds directly to your bank account. No in-person appraisal needed.
Achieve Loans See Table	Intro APR 10.625 % After Intro: 10.625 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501), Equal Housing Lender. All loan requests are subject to eligibility requirements, application review, loan amount, loan term, 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 are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio, and combined loan-to-value ratio. Minimum 640 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 8.75% - 15.00% and are assigned based on underwriting requirements; offer APRs include a .50% discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $951 for a 15-year loan. 10, 15, 20, and 30-year terms available (20 and 30 year terms only available for cash out requests). 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 (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80%, 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. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

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