Local Information

Banking Services Offered at 521 W. Main St., Gaylord, Michigan

Personal Banking in Gaylord

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 Gaylord and throughout Otsego 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 Gaylord

Whether you're buying your first home, moving within Otsego County or making improvements to your current home, Horizon offers a variety of mortgage and home loan options for homebuyers and homeowners in Gaylord 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 Gaylord and northern Michigan market and can help guide you through the home financing process.

Business Loans in Gaylord

Gaylord serves as a regional center for northern Michigan, with businesses supporting tourism, hospitality, retail, healthcare, professional services, manufacturing and outdoor recreation throughout Otsego County. 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 Gaylord

Horizon helps small business owners and entrepreneurs in Gaylord and throughout Otsego 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 has been recognized by the U.S. Small Business Administration's Michigan District as Community Lender of the Year and among the Top 10 7(a) lenders, reflecting our commitment to helping Michigan small businesses access financing.

Business Banking and Treasury Management in Gaylord

Running a business takes more than a loan. Horizon offers business banking and treasury management solutions to help Gaylord 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 Gaylord

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

Convenient Banking in Gaylord

Horizon Bank's Gaylord branch is located at 521 W. Main St., providing convenient access to customers throughout Gaylord and Otsego 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.

Community Banking in Gaylord

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 has a strong history of community involvement in Gaylord, including local volunteer efforts supporting organizations such as the Otsego County Food Pantry. These efforts reflect Horizon's commitment to giving back to the communities where our Advisors and customers live and work.

Local Information

Gaylord is the county seat of Otsego County and a regional hub in northern Michigan. Known for its outdoor recreation, tourism, golf and winter activities, Gaylord provides access to the area's lakes, forests, trails and year-round recreational opportunities.

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

• Downtown Gaylord — the community's center for local restaurants, shops, businesses and community events.
• Otsego County Courthouse — a prominent downtown landmark and center of county government.
• Gaylord City Elk Park — a unique local attraction featuring a herd of Rocky Mountain elk.
• Otsego Lake — a popular destination for boating, fishing and other outdoor recreation.
• Treetops Resort — a major northern Michigan golf and resort destination near Gaylord.
• Gaylord Regional Trail Network — offering opportunities for hiking, biking, snowmobiling and other outdoor activities.
• Otsego County — a northern Michigan community supported by tourism, healthcare, retail, professional services, small businesses and outdoor recreation.