Chemical Bank - Nationwide Branches

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Branch	Address	View Lobby Hours
Bangor Branch	3533 Wilder Road, Bay City, MI 48706	View Lobby Hours
Bristol At Linden Branch	3501 South Linden Road, Flint, MI 48507	View Lobby Hours
Isabella Road Branch	3400 Isabella Road, Midland, MI 48640	View Lobby Hours
Chemical Bank	333 East Main Street, Midland, MI 48640	View Lobby Hours
Harrison North Branch	3245 N Clare Ave, Harrison, MI 48625	View Lobby Hours
Jamestown Branch	3208 24th Avenue, S.W., Jamestown, MI 49427	View Lobby Hours
Morrice Branch	318 Main Street, Morrice, MI 48857	View Lobby Hours
West Side	314 East Midland Street, Bay City, MI 48706	View Lobby Hours
Hampton Township Branch	3101 Center Avenue Road, Bay City, MI 48732	View Lobby Hours
Corunna Office Branch	310 N Shiawassee Street, Corunna, MI 48817	View Lobby Hours
Middleville Branch	303 Arlington Street, Middleville, MI 49333	View Lobby Hours
Chemical Bank Cadillac Office	302 S. Mitchell Street, Cadillac, MI 49601	View Lobby Hours
Ow0ss0 South Branch	301 South Washington Street, Owosso, MI 48867	View Lobby Hours
Circle Branch	2910 Jefferson Avenue, Midland, MI 48640	View Lobby Hours
Alpena Branch	2708 U.S. 23, Alpena, MI 49707	View Lobby Hours
St Joseph-Cleveland Avenue Branch	2600 South Cleveland Avenue, St. Joseph, MI 49085	View Lobby Hours
Marlette Branch	2592 South Van Dyke Road, Marlette, MI 48453	View Lobby Hours
Grayling Main	2500 I-75 Business Loop, Grayling, MI 49738	View Lobby Hours
Saugatuck Branch	249 Mason Street, Saugatuck, MI 49453	View Lobby Hours
Gladwin Downtown Branch	245 East Cedar Street, Gladwin, MI 48624	View Lobby Hours
Byron Center	2445 84th Street, S.W., Byron Center, MI 49315	View Lobby Hours
Hastings/West State Branch	241 West State Street, Hastings, MI 49058	View Lobby Hours
Caro Main Branch	240 North State Street, Caro, MI 48723	View Lobby Hours
Allegan Branch	236 Hubbard Street, Allegan, MI 49010	View Lobby Hours
Auburn Branch	232 West Midland Street, Auburn, MI 48611	View Lobby Hours
Saginaw Old Town	100 S. Michigan Ave, Saginaw, MI 48603	View Lobby Hours
Freeland Branch	230 North Main Street, Freeland, MI 48623	View Lobby Hours
East Tawas Branch	228 Newman Street, East Tawas, MI 48730	View Lobby Hours
Houghton Lake East	2263 West Houghton Lake Drive, Houghton Lake, MI 48629	View Lobby Hours
Walker Branch	2185 3 Mile Rd Nw, Grand Rapids, MI 49544	View Lobby Hours
Standish Branch	220 South Main Street, Standish, MI 48658	View Lobby Hours
Bay City Main Rivers Edge	21 East Main Street, Bay City, MI 48706	View Lobby Hours
Paw Paw Branch	212 South Kalamazoo Street, Paw Paw, MI 49079	View Lobby Hours
Fremont Branch	211 West Main St, Fremont, MI 49412	View Lobby Hours
Kalamazoo Downtown Branch	211 E. Water, Suite 100, Kalamazoo, MI 49007	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: 2440475	5.836%	5.625% 1.00 points $7,545 fees	$1,843	Learn More
NMLS ID: 2059741	5.934%	5.875% 0.63 points $2,051 fees	$1,893	Learn More
NMLS ID: 1067	6.052%	5.990% 0.63 points $2,138 fees	$1,917	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Quicken Loans See Table	0.000 %	$0	Learn More More Info
Ready to access funds? Homeowners’ best kept secret for cash. Access equity on YOUR terms. It costs $0 to see how much you could get with a lender Homeowners best kept secret for cash No second mortgage needed Keep the low rate you already have It costs $0 to check your options with lenders
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
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
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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