United Bank of Michigan - Nationwide Branches

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Branch	Address	View Lobby Hours
United Bank Of Michigan	900 East Paris Avenue, S.E., Grand Rapids, MI 49546	View Lobby Hours
Caledonia Branch	8540 Broadmoor Avenue Se, Caledonia, MI 49316	View Lobby Hours
Byron Center Office Branch	8301 Byron Center Ave, Byron Center, MI 49315	View Lobby Hours
Cascade Village Branch	6801 Cascade Road, Grand Rapids, MI 49546	View Lobby Hours
Gun Lake Branch	2404 Patterson Road, Shelbyville, MI 49344	View Lobby Hours
East Grand Rapids Branch	2137 Wealthy Street, East Grand Rapids, MI 49506	View Lobby Hours
Dorr Branch	1796 142nd Avenue, Dorr, MI 49323	View Lobby Hours
Rockford Branch	155 Marcel Drive Ne, Rockford, MI 49341	View Lobby Hours
Clarksville Branch	132 South Main Street, Clarksville, MI 48815	View Lobby Hours
Wayland Branch	1131 West Superior Street, Wayland, MI 49348	View Lobby Hours
Hopkins Branch	102 West Main Street, Hopkins, MI 49328	View Lobby Hours
Porter Hills Branch	3600 East Fulton Street Se, Grand Rapids, MI 49546	View Lobby Hours
Cook Valley Estates	1049 East Paris Ave Se, Grand Rapids, MI 49546	View Lobby Hours
Jenison Branch	1884 Baldwin St, Jenison, MI 49428	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 2578474	6.366%	6.250% 0.88 points $3,930 fees	$1,971	Learn More
NMLS ID: 2059741	6.458%	6.375% 0.88 points $2,771 fees	$1,997	Learn More
NMLS ID: 449401	6.500%	6.500% 0.00 points $0 fees	$2,023	Learn More
NMLS ID: 1025894	6.617%	6.500% 1.00 points $3,894 fees	$2,023	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Four Leaf Federal Credit Union See Table	Intro APR 6.490 % After Intro: 7.750 % 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]
Achieve Loans See Table	Intro APR 9.875 % After Intro: 9.875 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). Equal Housing Opportunity. Offers may vary and 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. 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. Other terms, conditions and restrictions apply. Fixed rate APRs range from 6.74% - 14.75% and are assigned based on underwriting requirements; offer APRs may include a discount for automatic payment enrollment (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 and can fluctuate during the draw period. 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. Combined loan-to-value ratio may not exceed 80% (20 and 30 year debt consolidation requests 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. Equal Housing Opportunity. 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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