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Eastern Michigan Bank

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Eastern Michigan Bank Rates & Review May 2026

Q: How many branches does Eastern Michigan Bank operate?

Eastern Michigan Bank currently maintains approximately 13 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Eastern Michigan Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Eastern Michigan Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 4, 2026

You can compare Eastern Michigan Bank rates to other rates in our database, including 12-month CD rates currently at 0.90%, 6-month CD rates at 3.56% and 3-month CD rates at 0.03%. Savings rates are at 0.01% and money market rates are at 0.25%. Mortgage rates on 30-year fixed loans are around 5.92%. All these rates can be compared to Eastern Michigan Bank rates. MonitorBankRates evaluates the financial stability of Eastern Michigan Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.47%. Rates were last updated on 05/04/2026.

Eastern Michigan Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Eastern Michigan Bank? Share your experience about Eastern Michigan Bank by leaving a review below, or read customer reviews before you decide to use Eastern Michigan Bank.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.47%

Excellent Lower than avg

Eastern Michigan Bank

65 N Howard Ave
Croswell, MI 48422

https://www.emb.bank

Current Rate Availability

We do not have Eastern Michigan Bank rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Eastern Michigan Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Eastern Michigan Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Eastern Michigan Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Eastern Michigan Bank

Bank Holding Company EASTERN MI FINANCIAL CORP

Address 65 N Howard Ave, Croswell, MI 48422 · Sanilac

Website https://www.emb.bank

FDIC Certificate # 982

Established 12/04/1895

FDIC Insurance Date 01/01/1934

Domestic Offices 13

Total Branches 13

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.47%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.1352%

Return on Equity (ROE) 18.2400%

Non-Performing Loans (NPL) 0.15%

Total Assets $571,776,000

Total Deposits $475,440,000

Equity Capital $95,785,000

Net Income $0

Headquarters Croswell

Total Offices 13

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

There are no reviews for Eastern Michigan Bank yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Eastern Michigan Bank

Is Eastern Michigan Bank a safe place to deposit money?

Yes, Eastern Michigan Bank is considered a safe financial institution. With a Texas Ratio of 2.4706185124818%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Eastern Michigan Bank operate?

Eastern Michigan Bank currently maintains approximately 13 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Eastern Michigan Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Eastern Michigan Bank provides members with tools to manage their accounts and build a solid financial history.

Does Eastern Michigan Bank offer online and mobile banking?

Most modern institutions like Eastern Michigan Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.emb.bank.