Eastern Michigan Bank - Nationwide Branches

Branch	Address	View Lobby Hours
Ruth Branch	7004 East Atwater Road, Ruth, MI 48470	View Lobby Hours
Lakeport Branch	7090 Lakeshore Road, Lakeport, MI 48059	View Lobby Hours
Eastern Michigan Bank	65 North Howard Avenue, Croswell, MI 48422	View Lobby Hours
Port Huron Branch	600 Water Street, Port Huron, MI 48060	View Lobby Hours
Lexington Branch	5446 Main Street, Lexington, MI 48450	View Lobby Hours
Deckerville Branch	3636 Main Street, Deckerville, MI 48427	View Lobby Hours
Sandusky Area Branch	324 South Elk Street, Sandusky, MI 48471	View Lobby Hours
Fort Gratiot Office	3061 Krafft Road, Fort Gratiot, MI 48059	View Lobby Hours
Marysville Branch	2970 Gratiot Boulevard, Marysville, MI 48040	View Lobby Hours
Loan Center Branch	66 North Howard Avenue, Croswell, MI 48422	View Lobby Hours
Croswell Branch	37 N Horward Ave, Croswell, MI 48422	View Lobby Hours

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000% 0.00 points $0 fees	$0	Learn More
NMLS ID: 401822	6.104%	6.000% 0.50 points $3,595 fees	$1,919	Learn More
NMLS ID: 1025894	6.209%	6.125% 0.63 points $2,879 fees	$1,945	Learn More
NMLS ID: 3030		points fees		Learn More

Lender	APR (%)^?	Monthly Payment^?	Learn More
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