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Charlevoix State Bank is the ONLY community owned and operated bank in town! For you, the customer, what does that mean when you need or want to borrow money? It means that your loan will be approved locally by people you know and trust, by people who understand Northwest Michigan and are able to tailor your loan to meet your individual needs.

Commercial Loans

  • Seasonal working capital
  • Equipment
  • Commercial real estate
  • Residential real estate development

Consumer Loans

Mortgage Loans

  • Express Mortgages
  • Conventional
  • Non-conforming balloons  
  • Reverse mortgages  
  • Refinancing 
  • Construction financing
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