Big Rapids, MI

Local Information

Banking Services Offered at 125 N. Michigan Ave., Big Rapids, Michigan

Personal Banking in Big Rapids

Whether you're opening a checking account, building your savings or planning for the future, Horizon Bank offers personal banking solutions for individuals and families in Big Rapids and throughout Mecosta County. From checking and savings accounts to digital banking and debit cards, our local banking team can help you find the right solutions for your financial goals.

Mortgages and Home Loans in Big Rapids

Whether you're buying your first home, moving within Mecosta County or making improvements to your current home, Horizon offers a variety of mortgage and home loan options for homebuyers and homeowners in Big Rapids and surrounding communities. Options include conventional, FHA, VA, construction, jumbo and first-time homebuyer programs.

Because we make lending decisions locally, you can work with a Horizon mortgage team that understands the Big Rapids and Mecosta County market and can help guide you through the home financing process.

Business Loans in Big Rapids

Big Rapids is a regional community in central Michigan with businesses supporting education, healthcare, manufacturing, retail, professional services, tourism and outdoor recreation. Horizon offers business loans and lines of credit to help local businesses manage working capital, purchase equipment or real estate, expand operations and pursue new opportunities.

Whether you're starting a business or growing an established company, our local banking team can help you explore financing options designed around your business goals.

Small Business and SBA Loans in Big Rapids

Horizon helps small business owners and entrepreneurs in Big Rapids and throughout Mecosta County access financing for business growth and expansion. Through our SBA lending options, qualified businesses can explore financing for working capital, equipment, real estate, expansion and other business needs.

Horizon was recently recognized by the U.S. Small Business Administration's Michigan District as Community Lender of the Year for the second consecutive year and ranked among Michigan's Top 10 7(a) lenders.

Business Banking and Treasury Management in Big Rapids

Running a business takes more than a loan. Horizon offers business banking and treasury management solutions to help Big Rapids businesses manage payments, cash flow and day-to-day financial operations.

Solutions can include business checking, ACH and wire transfers, remote deposit, fraud protection, Positive Pay and other cash management services. Our team can help identify solutions that make it easier to manage your business and plan for what's next.

Wealth Management and Investments in Big Rapids

Your financial goals can change as your life and career evolve. Horizon's wealth services can help individuals, families and business owners in Big Rapids and surrounding communities with investment management, financial planning, retirement planning, estate planning and other long-term financial needs.

Convenient Banking in Big Rapids

Horizon Bank's Big Rapids branch is located at 125 N. Michigan Ave., providing convenient access to customers throughout Big Rapids and Mecosta County.

The branch and drive-up are open Monday through Friday from 9 a.m. to 5 p.m. and Saturday from 9 a.m. to noon. Video Banking is available Monday through Saturday from 8 a.m. to 8 p.m. Eastern Time, and the 24-hour ITM accepts deposits.

Through Video Banking, customers can connect with a live Horizon banker for everyday transactions including cash and check deposits, withdrawals, loan payments, account transfers and other routine banking needs.

Learn more about Video Banking.

Community Banking in Big Rapids

As a community bank, Horizon believes strong banking relationships extend beyond the branch. Our Advisors live and work in the communities we serve and are encouraged to volunteer, support local organizations and contribute to initiatives that make a difference.

Horizon is committed to supporting the communities it serves through volunteerism, financial education, charitable giving and local partnerships. In 2025, nearly 800 Horizon Advisors volunteered with nonprofit organizations across Indiana and Michigan through Horizon Cares Day.

Local Information

Big Rapids is the county seat of Mecosta County and a central Michigan community located along the Muskegon River. The city is home to Ferris State University and serves as a regional center for education, business, healthcare, recreation and outdoor activities.

Horizon Bank's Big Rapids location is near several recognizable local destinations, including:

• Downtown Big Rapids — a walkable district featuring locally owned restaurants, shops, businesses and community events.
• Ferris State University — a major educational institution and an important part of the Big Rapids community and regional economy.
• Muskegon River — a defining natural feature of Big Rapids and a popular resource for fishing, kayaking and other outdoor recreation.
• Hemlock Park — a community recreation area along the Muskegon River featuring trails, green space and recreational facilities.
• White Pine Trail State Park — a popular regional trail for biking, walking and other outdoor activities.
• Mecosta County — a central Michigan community known for education, manufacturing, healthcare, small businesses, tourism and outdoor recreation.