Saturday, December 20, 2014
Serving Delta County

We are a community owned and operated bank serving Delta County in Michigan's beautiful Upper Peninsula.

Our fundamental purpose is to meet the financial needs of the people in Delta County, protect and increase the value of our shareholders investments, and serve Delta County in financial and non-financial ways.

Baynet Login
Baynet is an online bill payment solution that supports one-time, recurring, and expedited electronic payments to any individual or any entity in the United States.

Download the Baynet App

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Construction Loan

Want to build a new home?  Home construction requires a special type of loan -- Baybank can help!  


A construction loan from Baybank can help alleviate some of the anxiety in building a new home.  The amount of your payment during the term of the construction loan is directly related to the amount "drawn" during construction. 


Pre-construction appraisals and costs estimates based on construction plans and property acquisition determines the amount of construction dollars to be financed.  Upon completion of the home, the construction loan is converted to long term, mortgage financing.


We may also help with a "bridge" loan when you have not yet sold your old home.