Hours & Locations


Our lobby is currently only open by appointment.

Please give us a call at any of our branches if you have any questions or would like to make an appointment.


Monday thru Thursday 9:00 am to 5:00 pm
Friday 8:30 am to 5:30 pm
Saturday 9:00 am to 12:00 noon

Holiday Closings

Memorial Day May 29, 2021
May 31, 2021
Independence Day July 4, 2021
Labor Day September 4, 2021
September 6, 2021
Thanksgiving November 25, 2021
Christmas Eve Closed at Noon
Christmas Day December 25, 2021
New Years Day January 1, 2022


Branch Locations

Main Office (Downtown) – Just north of City Hall
415 Washington Ave
Bay City MI 48708
Mortgages: 989-893-2831
Fax: 989-893-0412

Euclid Branch (West Side) – Across from the former State Police Post
1002 W Indiana at Euclid
Bay City MI 48706
Fax: 989-684-9650

Birch Run Branch – Just East of Dixie Highway
9426 E Birch Run Rd
Birch Run MI 48415
Fax: 989-624-9688

Shared Branches

You can also use shared branching when you are away from our 3 branch locations to make deposits, withdrawals and loan payments.  Click the xtend button below for locations nearest you.   You must know your account number in order to use the shared branching service.