Eastern Michigan Financial Corporation operates as the bank holding company for Eastern Michigan Bank that provides retail and commercial banking services to individuals and businesses in Michigan. The company offers checking and savings accounts, individual retirement accounts, time deposits, and certificates of deposit. It also provides home equity lines of credit, home equity term loans, automobile and truck loans, home mortgage loans, and student loans, as well as RV, motorcycle, snowmobile, jet ski, boat, and ATV loans; equipment financing and loans, vehicle loans, working capital lines of credit, multi-family dwelling loans, commercial real estate loans, construction and land development loans, and small business association loans; and machinery, farm, construction, livestock, FSA guaranteed, and long term fixed rates loans. In addition, the company offers online and mobile banking, debit and credit cards, gift cards, telephone and voice response banking, electronic payment, merchant, remote deposit capture, lockbox, night deposit, notary, and safe deposit box services. Eastern Michigan Financial Corporation was founded in 1895 and is headquartered in Croswell, Michigan.