St. Joseph, MI

Local Information

Banking Services Offered at 811 Ship St., Suite 101, St. Joseph, Michigan

Personal Banking in St. Joseph

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 St. Joseph and throughout Berrien 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 St. Joseph

Whether you're buying your first home, moving within Berrien County or making improvements to your current home, Horizon offers a variety of mortgage and home loan options for homebuyers and homeowners in St. Joseph and surrounding communities.

Because we make lending decisions locally, you can work with a Horizon mortgage team that understands the St. Joseph and Southwest Michigan market and can help guide you through the home financing process.

Business Loans in St. Joseph

St. Joseph and the surrounding Berrien County area have a diverse business community that includes manufacturing, healthcare, tourism, restaurants, retail, professional services and locally owned businesses. Horizon provides business loans and lines of credit to help businesses in St. Joseph 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 St. Joseph

Horizon helps small business owners and entrepreneurs in St. Joseph and throughout Berrien 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.

Business Banking and Treasury Management in St. Joseph

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

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

Convenient Banking in St. Joseph

Horizon Bank's Ship Street branch is conveniently located at 811 Ship St., Suite 101, near downtown St. Joseph and the Lake Michigan waterfront.

The branch is open Monday through Friday from 9 a.m. to 5 p.m. Eastern Time. Drive-up banking is available Monday through Friday from 8:30 a.m. to 5 p.m. and Saturday from 8:30 a.m. to noon. Video Banking is available Monday through Saturday from 8 a.m. to 8 p.m., providing access to a live Horizon banker beyond traditional branch hours. A 24-hour ITM is also available and accepts deposits.

Community Banking in St. Joseph

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 communities throughout Southwest Michigan through volunteerism, financial education, charitable giving and partnerships with local organizations. Our community-focused approach helps us build lasting relationships with the people, families and businesses we serve.

Local Information

St. Joseph is a Lake Michigan community in Berrien County known for its beaches, waterfront, downtown businesses, restaurants, arts and tourism. Its location along the St. Joseph River and Lake Michigan makes the community both a regional destination and a place where residents and local businesses are closely connected to the waterfront.

Horizon Bank's Ship Street location is near:

• Downtown St. Joseph — a walkable business district with locally owned shops, restaurants, galleries, services and community events.
• Lake Bluff Park — a downtown waterfront park perched above Lake Michigan with scenic views and space for community events.
• Silver Beach County Park — a popular Lake Michigan recreation destination at the mouth of the St. Joseph River, with beach access and connections to downtown.
• St. Joseph North Pier and Lighthouses — historic navigation lights at the mouth of the St. Joseph River that have become an iconic part of the community's waterfront.
• Whirlpool Compass Fountain — an interactive waterfront attraction in Whirlpool Centennial Park that is especially popular with families during the warmer months.
• Tiscornia Park — a Lake Michigan waterfront park near the St. Joseph River channel with beach access and views of the North Pier.
• Riverview Park — a community park along the St. Joseph River offering green space, recreation and river views.
• Lake Michigan — a defining geographic feature of St. Joseph and an important part of the area's recreation, tourism and community identity.
• Berrien County — a diverse Southwest Michigan region supported by manufacturing, healthcare, tourism, agriculture, retail, professional services and small businesses.