Eastern Michigan Financial Corporation operates as the bank holding company for Eastern Michigan Bank that provides retail and commercial banking services in Michigan. The company offers interest- and noninterest-bearing 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, unsecured personal 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, commercial real estate loans, construction and land development loans, multi-family dwelling loans, and small business association loans; and farm, construction, livestock, FSA guaranteed, and long term fixed rates loans services. In addition, the company offers cash management, online and mobile banking, bill pay, 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. It operates through nine branches in the counties of Sanilac, Huron, and St. Clair, Michigan. The company was founded in 1895 and is headquartered in Croswell, Michigan.