President’s Message – East

Serving Bay City, Caro, Clare, Midland, Owosso and Saginaw Community Banks

As we enter the New Year, I would like to express our gratitude toward each of our customers and community partners. We appreciate having the opportunity to serve you! Inside the Winter Edition of Points of Interest, you will find helpful information on teaching children about money management, information for first-time homebuyers, IRA rollovers and information security.

Did you know … Chemical Bank offers a wide range of financial education for our customers and communities? Classes include budgeting, credit building and repair, savings and homeownership, among others. In addition, we also can provide education on various special loan programs such as FHA, VA, Small Business Administration programs and other financing tools available to consumers and businesses. This information is available free of charge, and we would be happy to share these resources with you. If you or your community group has an interest in learning more, please contact your local Chemical Banker.

One such program is Road to Home. This program provides credit counseling, a savings plan and a roadmap to homeownership for customers who may not be ready for traditional financing, but have a strong desire to prepare for homeownership. This program is proprietary to Chemical Bank, and we are pleased to offer this opportunity to make the dream of homeownership a reality!

Make sure that you keep a look out for Chemical Bank at upcoming events this winter as we will be out volunteering, supporting and having fun in local communities across our great state! You can follow all of our events by checking out the “Community” link under About Us at Simply click on the Community Bank nearest you to learn more about the upcoming events that we will be a part of.

I hope that Chemical Bank has met all of your financial needs in 2014 and we look forward to continuing to provide excellent customer service, as well as information that makes your 2015 another great year! Please remember that Chemical Bank is here to assist you with all of your financial needs. Whether you prefer to call us, stop into one of our offices, bank on-the-go with Mobile Banking, or visit us online from your computer, Chemical Bank is always available to offer you an exceptional banking experience.

For more information about any of the products and services that we offer, please visit or stop into your local Chemical Bank office. If you have any comments or questions, please feel free to contact me at (989) 839-5298 or

Warm wishes,
Robert S. Rathbun