ChoiceOne Bank - Nationwide Branches

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Branch	Address	View Lobby Hours
Rockford Branch	6795 Courtland Drive Ne, Rockford, MI 49341	View Lobby Hours
Coopersville Branch	661 West Randall Road, Coopersville, MI 49404	View Lobby Hours
Egelston Branch	5475 E Apple Avenue, Muskegon, MI 49442	View Lobby Hours
Alpine Branch	5050 Alpine Ave.N.w., Comstock Park, MI 49321	View Lobby Hours
Kent City Branch	450 West Muskegon Street, Kent City, MI 49330	View Lobby Hours
Cedar Springs Branch	4170 17 Mile Road, Cedar Springs, MI 49319	View Lobby Hours
Appletree Branch	416 West Division Street, Sparta, MI 49345	View Lobby Hours
Ravenna Branch	3069 Slocum Road, Ravenna, MI 49451	View Lobby Hours
Newaygo Branch	246 W River Valley Drive, Newaygo, MI 49337	View Lobby Hours
Fremont Branch	1423 West Main Street, Fremont, MI 49412	View Lobby Hours
Choiceone Bank	109 East Division, Sparta, MI 49345	View Lobby Hours
Grant Branch	10 West Main Street, Grant, MI 49327	View Lobby Hours
Northstar Cinema Atm Branch	11699 Northland Drive, Rockford, MI 49341	View Lobby Hours

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Reviews on ChoiceOne Bank

Savvy | Jul 17, 2020

Terrible experience trying to get a mortgage. I’ve got great credit, have gotten literally dozens of mortgages over the past 40 years. I completed an online application, waited a week and never heard anything. I then contacted the bank, was told that my loan had been assigned to a certain person, they were unavailable but I was asked to send an email to their processing assistant, which I did. I waited another week never heard anything no response to email no phone call. I then called the bank again and was told that they were sorry, and said a different person would be in touch. She did call the next day, and I followed up with some additional information. She was a complete idiot after going through some of the information she started spouting off all these guidelines and rules. And that I would not be able to get a mortgage. This is quite ridiculous and that the amount that I was requesting is about 1/2 of the value of the home ans about 1/30 of my net worth. Don’t waste your time, there are better options available.

Malcolm | May 21, 2020

Hate banks, bankers, and any institutions that are like banks. Lakestone bank lied to us when they told us we could have a overdraft protected account. They charged us $35 over draft fee. Then gave it back when we flipped out on them. They then charged us a $35 fee to fix it. Covid makes it so we cant go to the bank and the shut it down and change it to Choice One which has a policy to charge $50 on all savings accounts. So they charged us $25 to open as Lakestone then 3 months later charge us $50 as the new bank policy. So I see it that they basicly stole $110 from me in 3 months time. Imagine how much money they made off everyone's savings accounts.

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 6606	0.000%	0.000% 0.00 points $0 fees	$0	Learn More
NMLS ID: 613839	6.110%	5.990% 0.75 points $4,137 fees	$1,917	Learn More
NMLS ID: 399799	6.115%	6.000% 0.88 points $4,112 fees	$1,919	Learn More
NMLS ID: 1025894	6.227%	6.125% 0.88 points $3,500 fees	$1,945	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Upstart 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. 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
Four Leaf Federal Credit Union See Table	Intro APR 5.990 % After Intro: 7.500 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]

ChoiceOne Bank - Nationwide Branches

Reviews on ChoiceOne Bank

Featured - 30 Year Fixed Mortgage Rates 2025

Featured - Home Equity Line Of Credit Rates 2025

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