Eastern Michigan Financial Corp. operates as the bank holding company for Eastern Michigan Bank, which provides retail and commercial banking services in Michigan. The firm offers checking, savings, money market, and individual retirement accounts, as well as 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, unsecured personal loans, and student loans, as well as RV, motorcycle, snowmobile, jet ski, boat, and ATV loans, commercial loans, such as equipment financing and loans, vehicle loans, working capital lines of credit, commercial real estate loans, construction and land development loans, multi-family dwelling loans, and SBA loans, and farm loan products and agriculture financing services. In addition, the company offers cash management, online and mobile banking, bill pay, debit and credit cards, telephone banking, electronic payment, merchant, remote deposit capture, lockbox, night deposit, notary, and safe deposit box services. It operates through nine branches in the counties of Sanilac, Huron, and St. Clair, Michigan. The company was founded on January 26, 1984 and is headquartered in Croswell, MI.