Michigan Banking | Refinancing & Loans | Commercial Bank

Merchant Processing Solutions Built for Serious Business

Commercial Bank has partnered with Elavon to deliver the industry's leading merchant processing solutions. Accepting payments is about to get a whole lot easier - for you and your customers.

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Sign. Snap. Deposit. Done.

Deposit your checks anywhere you are with mobile deposit! Using the Commercial Bank mobile app, simply sign your check, snap a picture with your device’s camera and deposit it straight into your account!

Download the App Now!

Keep your money local and switch to Commercial Bank

Switch to the local community bank that's here to serve you for the long haul. We’re known for personalized service, quick, local decisions, and a commitment to our hometowns for 128 years (and still going strong!) We’ll make the transition simple and hassle-free.

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Today's Mortgage Rates

30 Year Fixed
Rate APR
*3.375% *3.444%
15 Year Fixed
Rate APR
*2.875% *2.998%
Apply Now

*Assumes no points. Click for more information

Bauer Financial
5-Star Rating

Learn more about
Bauer Financial’s
5-Star Rating.

3.74% APR Fixed Rate!
Renovate Today!

Limited time offer!
Home Equity Line of Credit Special!

Take Advantage of
our Auto Loan Special!

2.99% APR for a car, boat, RV
or ATV! Click for details!


Read the latest about
Commercial Bank's response
to the Coronavirus.

  • A True Partner in My Business
    "I wanted to share my 25 year history with Commercial Bank. A true partner in my business over the years who actually knows my vision and cares to understand our goals. 2020 was a challenge for sure but knowing that I had Chelsey Foster and the entire leadership team at Commercial Bank on my side every step of the way helped our group not only survive but actually thrive."
    Darren Riopelle, Smile One Services
  • They Have Been Amazing Through this Pandemic!
    "I currently use Commercial Bank for my business needs as well as my commercial loan. They have been amazing through this pandemic! They are extremely knowledgeable, helpful, and communication has been wonderful. They really went above and beyond to keep me successful through all of this!"
    Jamie Norton
  • Above and Beyond What is Expected of a Bank
    "Very easy to work with; great customer service and provides an excellent working relationship going above and beyond what is expected of a bank!"
    Michelle Wallo
  • Excellent, Personalized Customer Service
    "We've been at the St. Louis branch of Commercial Bank for over 20 years and have always appreciated their excellent, personalized customer service! The friendly staff at the St. Louis branch has not only helped us and our children but also our exchange students and coworkers as they have moved into town and we referred them. Thanks, Commercial Bank, for providing this town with a professional, personal touch."
    Jeff Oswald
  • They Made My First Home Buying Experience Quick and Easy
    "Recently I got a mortgage through Commercial Bank, and I could not have been happier with my experience. They were extremely helpful, and provided timely feedback for the many questions that I had. They made my first home buying experience quick and easy. I would highly recommend going through Commercial Bank for a mortgage, or any of your banking needs."
    Vinny Costanzo
  • Best Bank and Best Bank Tellers
    "Best bank and best bank tellers in Gratiot county, they are friendly and efficient."
    Pat's Auto
  • Amazing Customer Service, Great Products, and Take Superb Care of My Clients
    "As a realtor it's important to me I recommend banks and lenders who have amazing customer service, great products, and take superb care of my clients. Commercial goes above and beyond. Highly recommend them."
    Deb Ransome

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    2.99% APR* for 60 months on
    a new or used car, boat, RV or ATV!

    Whether you're buying a new or used car, boat, RV or ATV, Commercial Bank has vehicle financing options for when you're ready to roll. Call or stop in to your local Commercial Bank branch to apply today!

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