We See a Future.

Personal Borrowing

Borrow From Your Neighbors

When you borrow from ChoiceOne you’re borrowing from your local community. As banks get bigger and lending becomes more automated, we’re committed to keeping money in Michigan where it came from.

Home Mortgage

Auto Loans

  • Online Banking
  • Mobile App
  • ID Protection
  • Debit Cards
  • Bill Pay
  • Mobile Deposit

Personal Borrowing

Home Equity Loans

Tackling some home improvements? Planning a vacation? Looking to buy a new car? Use the equity in your home to your advantage.

Interest As Low As APR
Fixed Term 6.750% 6.934%*
HELOC 8.25%** N/A
  • Quick Approval
  • Fixed and Variable Rates
  • Personal Consultation

Personal Borrowing

Recreational Equipment

Looking to have some fun? Don’t let cash slow you down. We finance all types of recreational vehicles and equipment including:

  • ATVS
  • Boats
  • Farm Equipment
  • Lawn Equipment
  • Motorcycle
  • RVS
  • Snowmobiles
  • Utility Vehicles

Personal Borrowing

Consumer Loans

Take a vacation, start those home improvements, complete auto repairs or use funds from a personal loan for just about anything!

  • Fixed Payments
  • Shorter Terms

Personal Borrowing

Credit Card

Get a card that’s made for you and your needs.

  • Low Rates
  • Custom Options
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What You Will Need Close Warning

Applying is fast and easy. Here’s what you’ll need to have ready:

  1. Your Social Security Number or Individual Tax Identification Number (ITIN)
  2. A US government-issued photo ID (e.g. Driver’s License, Passport, or State)
  3. A credit or debit card to fund your new account
  4. A valid email address


To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial Banks to obtain, verify, and record information that identifies each person who opens an account.

What this means for you:
When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We must also ask to see your driver’s license or other identifying documents.

Online Applications are available for residents of our service area including Kent, Newaygo, Muskegon, Ottawa, Montcalm, Oceana, Osceola, Ionia, Mecosta, Lake, Allegan, and Barry Counties in Michigan.