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Park your savings for free.

Consider our 9-month no-penalty CD. Earn a great rate, withdraw it whenever you like.

Go Penalty-Free

We’re here to guide you home.

About us

Making waves for 70+ years.

Learn about our history

Let your savings grow, season after season.

Open a savings account or certificate and watch your money build steadily with competitive rates and no surprises.

Start saving today.

Home is built on good ground.

Whether you’re fixing up the family home or building something new, our lending products come with neighborly rates and people who know your name.

Borrow what you need

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Home Lending

From mortgages to home equity loans, we're ready to make your home dream a reality.

Look into Home Lending

Credit Cards

Low rates, no annual fees and a Rewards Program that really adds up.

Check out our Credit Cards

Careers

We’re hiring team members and we're looking for people just like you! Interested in joining?

See our career options

Petoskey Proud since 1951.

We got our start in the church monastery at St. Francis Xavier Church in Petoskey on April 5, 1951. Over the next decade we experienced impressive growth—1,543 members and more than $880,000 in assets by 1962.

Today, we have over 9000 members with more than $220 million in assets. And we’re still right here in Petoskey (as well as Harbor Springs) because we couldn’t imagine a better place to live or better members to serve.