Eastern Michigan Bank

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LOCATIONS

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
0.90%	5-year CD	60 Month CD 1.85% - Synchrony Bank 60 Month CD
0.15%	1-year CD	12 Month CD 1.05% - Ally Bank High Yield 12-Month CD
0.05%	Savings	Statement Savings Account 1.00% - Ally Bank Online Savings Account

View all Eastern Michigan Bank rates »

Overview / Commentary

www.easternmichiganbank.com

810-679-2500

65 North Howard Avenue
Croswell, MI 48422

Eastern Michigan Bank is headquartered in Croswell and is the 37^th largest bank in the state of Michigan. It is also the 2,097^th largest bank in the nation. It was established in 1895 and as of June of 2016, it had grown to 83 employees at 11 locations. Eastern Michigan Bank has an A health rating.

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Health

A

Data as of Q2 2016

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Health Grade Components

Overall
FDIC Certificate #	982
Year Established	1895
Employees	83
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	0.65%
Return on Equity - YTD	6.83%
Annual Interest Income	$4.6MM

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$318.7MM$277.8MM
Loans	Q2 2016vs Q2 2015	$152.7MM$134.2MM
Deposits	Q2 2016vs Q2 2015	$286.6MM$248.1MM
Equity Capital	Q2 2016vs Q2 2015	$30.7MM$28.8MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$1.2MM$1.2MM
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$504.00K$1.5MM
Real Estate Owned	Q2 2016vs Q2 2015	$1.3MM$1.7MM

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Eastern Michigan Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$100	-	Statement Savings Account
0.05%	-	-	365 Club Savings Account

Eastern Michigan Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%^*	$100k^*	-	Prestige Money Market Savings Account
OTHER TIERS: 0.03% → Up to $10k \| 0.05% → $10k - $50k \| 0.10% → $50k - $100k

Eastern Michigan Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%^*	$100k^*	-	Interest Checking Account
OTHER TIERS: 0.01% → Up to $2,500 \| 0.03% → $2,500 - $25k \| 0.05% → $25k - $100k
0.10%^*	$100k^*	-	Advantage 50 Checking
OTHER TIERS: 0.01% → Up to $2,500 \| 0.03% → $2,500 - $25k \| 0.05% → $25k - $100k

Eastern Michigan Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.90%	$1k	-	60 Month CD
0.65%	$1k	-	48 Month CD
0.60%	$2,500	-	36 Month Adv 50 Club CD
0.50%	$1k	-	36 Month CD
0.40%	$2,500	-	24 Month Adv 50 Club CD
0.30%	$1k	-	24 Month CD
0.30%	$1k	-	30 Month CD
0.25%	$2,500	-	12 Month Adv 50 Club CD
0.15%	$1k	-	12 Month CD
0.10%	$1k	-	6 Month CD
0.10%	$1k	-	9 Month CD

Eastern Michigan Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.90%	$500	-	60 Month IRA
0.65%	$500	-	48 Month IRA
0.50%	$500	-	36 Month IRA
0.30%	$500	-	24 Month IRA
0.30%	$500	-	30 Month IRA
0.15%	$500	-	12 Month IRA
0.10%	$500	-	6 Month IRA
0.10%	$500	-	9 Month IRA

Locations

Eastern Michigan Bank Locations
Minden City Branch	1728 Main Street	Minden City, MI 48456
Marysville Branch	2970 Gratiot Boulevard	Marysville, MI 48040
Fort Gratiot Office	3061 Krafft Road	Fort Gratiot, MI 48059
Sandusky Area Branch	324 South Elk Street	Sandusky, MI 48471
Deckerville Branch	3636 Main Street	Deckerville, MI 48427
Lexington Branch	5446 Main Street	Lexington, MI 48450
Port Huron Branch	600 Water Street	Port Huron, MI 48060
Eastern Michigan Bank	65 North Howard Avenue	Croswell, MI 48422
Lakeport Branch	7090 Lakeshore Road	Port Huron, MI 48060
Ruth State Bank Branch	7004 East Atwater Road	Ruth, MI 48470