US Bank Directory
Banks in Alma, MI
2 FDIC-insured banks operate 4 offices in Alma, Michigan, and 4 credit unions have 6 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026.
Bank branch map: Alma
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 6 banks and credit unions operate 10 locations in Alma, according to the FDIC and the NCUA. 10 of them have coordinates on record and are on the map. 6 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
10 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks and credit unions in Alma
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Mercantile Bank and Commercial Bank have the most locations in Alma, with 2 each. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
Gratiot Community Credit Union Credit union · 3
Gratiot Community Credit Union has 3 officees in Alma, 4 across Michigan. It is based in Alma, MI and $60.5 million in assets on March 31, 2026, according to its NCUA call report. 1 of its 3 Alma locations with published hours open on Saturday.
Who can join: see the credit union's site.
-
Main Office main office211 W Center St, 48801
All hours
Mon 9 am to 5 pm; Tue 10 am to 5 pm; Wed to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
-
Alma Drive Thur119 W Center St, 48801
All hours
Mon 9 am to 5 pm; Tue 10 am to 5 pm; Wed to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
-
Operation Building135 W Center St, 48801
All hours
Mon 9 am to 5 pm; Tue 10 am to 5 pm; Wed to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Commercial Bank Bank · 2
Commercial Bank has 2 branches in Alma, 11 across Michigan and 11 nationwide. FDIC records list its main office in Ithaca, MI and show it operating since 1962. With $552.7 million in total assets on June 30, 2026, it ranks No. 1,670 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Alma location is the Wright Avenue Branch at 1690 Wright Ave, dating to 1971; the newest, at 301 N State St, to 2021. It does not publish hours in the sources this page uses; check its site before you go.
-
Wright Avenue Branch1690 Wright Ave, 48801
-
Alma Loan Production Office Branch301 N State St, 48801
Mercantile Bank Bank · 2
Mercantile Bank has 2 branches in Alma, 41 across Michigan and 41 nationwide. FDIC records list its main office in Grand Rapids, MI and show it operating since 1997. With $6.24 billion in total assets on June 30, 2026, it ranks No. 243 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Alma location is the Alma Drive-Thru Branch at 230 Woodworth Ave, dating to 1974; the newest, at 7300 N Alger Rd, to 1980. It does not publish hours in the sources this page uses; check its site before you go.
-
Alma Drive-Thru Branch230 Woodworth Ave, 48801
-
Northtown Branch7300 N Alger Rd, 48801
Graco Credit Union Credit union · 1
Graco Credit Union has 1 office in Alma, 1 across Michigan. It is based in Alma, MI and $37.6 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
-
Main Office main office835 W Warwick Dr, 48801
All hours
Mon to Tue 9 am to 5:30 pm; Wed 10 am to 5:30 pm; Thu 9 am to 5:30 pm; Fri 9 am to 7 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Journey Credit Union Credit union · 1
Journey Credit Union has 1 office in Alma, 4 across Michigan. It is based in Saint Johns, MI and $189.6 million in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
-
Alma Branch130 W Superior St, 48801
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Michigan One Community Credit Union Credit union · 1
Michigan One Community Credit Union has 1 office in Alma, 5 across Michigan. It is based in Ionia, MI and $237.8 million in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
-
Alma Office7558 N Alger Rd, 48801
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Alma
4 credit unions have 6 offices here: Gratiot Community Credit Union, Michigan One Community Credit Union, Journey Credit Union and Graco Credit Union. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Alma page has every office in the state's directory.
Banking in Alma: the local picture
Short answer: 2 banks run 4 branches in Alma according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 2 banks, 0 have their main office in Alma, 2 elsewhere in Michigan, according to the FDIC.
The bank with the longest record here is Commercial Bank, operating since 1962 according to the FDIC. In FDIC branch records, the longest-running branch is Commercial Bank's office at 1690 Wright Ave, dating to 1971; the newest is Commercial Bank's at 301 N State St, from 2021.
4 credit unions have 6 offices in Alma, according to the NCUA. Who can join each one is on the credit unions page.
Of the 6 locations with published hours. 3 open on Saturday. 4 locations have no published hours in these sources.
Credit unions open on Saturday in Alma
Short answer: 3 of the 6 Alma locations with published hours open on Saturday, run by 3 institutions.
- Gratiot Community Credit Union: 1 of 3 offices (119 W Center St: Saturday 9 am to 12 pm)
- Michigan One Community Credit Union: 1 of 1 office (7558 N Alger Rd: Saturday 9 am to 12 pm)
- Journey Credit Union: 1 of 1 office (130 W Superior St: Saturday 9 am to 12 pm)
Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 4 of the 10 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Alma, and where the nearest one is if they do not.
Short answer: No branches in Alma: Chase (nearest in Saginaw, 33 mi), Wells Fargo (nearest in Birmingham, 94 mi), Bank of America (nearest in Lansing, 45 mi), PNC Bank (nearest in Mount Pleasant, 15 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in Mount Pleasant, 16 mi), Huntington (nearest in St. Louis, 3 mi), Regions Bank, TD Bank, BMO.
| Bank | In Alma | Nearest branch if none here |
|---|---|---|
| Chase | None | Saginaw, 33 miles away |
| Wells Fargo | None | Birmingham, 94 miles away |
| Bank of America | None | Lansing, 45 miles away |
| PNC Bank | None | Mount Pleasant, 15 miles away |
| U.S. Bank | None | none in Michigan |
| Truist | None | none in Michigan |
| Fifth Third Bank | None | Mount Pleasant, 16 miles away |
| Huntington | None | St. Louis, 3 miles away |
| Regions Bank | None | none in Michigan |
| TD Bank | None | none in Michigan |
| BMO | None | none in Michigan |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Alma to the nearest branch in Michigan.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Alma residents like anyone else.
Banks near Alma
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Saint Louis (3 miles) and Ithaca (7 miles). Midland, 27 miles away, has the most banks nearby: 7.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Saint Louis, MI | 3 mi | 2 | 2 |
| Banks in Ithaca, MI | 7 mi | 3 | 3 |
| Banks in Shepherd, MI | 10 mi | 2 | 2 |
| Banks in Mount Pleasant, MI | 16 mi | 5 | 11 |
| Banks in Carson City, MI | 17 mi | 2 | 2 |
| Banks in Stanton, MI | 22 mi | 2 | 2 |
| Banks in Saint Charles, MI | 27 mi | 2 | 2 |
| Banks in Midland, MI | 27 mi | 7 | 13 |
Bank branch openings and closings in Alma
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Alma between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Banks and credit unions based in Alma
Short answer: 2 institutions have their main office in Alma: Gratiot Community Credit Union and Graco Credit Union.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| Gratiot Community Credit Union | Credit union | $60.5 million | 3 |
| Graco Credit Union | Credit union | $37.6 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Alma by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Alma offices.
Short answer: Mercantile Bank is the largest bank with offices in Alma, with $6.24 billion in total assets on June 30, 2026, No. 243 among U.S. banks by total assets. Commercial Bank is second with $552.7 million. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Mercantile Bank | $6.24 billion | No. 243 | 2 | Grand Rapids, MI |
| Commercial Bank | $552.7 million | No. 1,670 | 2 | Ithaca, MI |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Alma: FAQ
How many banks are in Alma, MI?
Alma has 2 banks with 4 branches and 4 credit unions with 6 offices, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Alma?
Mercantile Bank, with 2. Commercial Bank has 2.
Is there a Mercantile Bank in Alma, MI?
Yes. FDIC data lists 2 Mercantile Bank branches in Alma as of September 5, 2026. Its branches are listed under Mercantile Bank above, with the address and directions for each.
Is there a Commercial Bank in Alma, MI?
Yes. FDIC data lists 2 Commercial Bank branches in Alma as of September 5, 2026. Its branches are listed under Commercial Bank above, with the address and directions for each.
Is there a Chase in Alma, MI?
No. FDIC data lists no Chase branch in Alma as of September 5, 2026. The nearest is in Saginaw, about 33 miles away in a straight line.
Which banks in Alma are open on Saturday?
Gratiot Community Credit Union, Michigan One Community Credit Union and Journey Credit Union publish Saturday hours for one or more Alma locations. The Saturday section above lists each one with its hours. 4 of the 10 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Alma?
Gratiot Community Credit Union and Graco Credit Union have their main office in Alma, according to the FDIC and the NCUA.
What is the oldest bank in Alma?
Commercial Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1962.
Which credit unions can I join in Alma?
Gratiot Community Credit Union, Michigan One Community Credit Union, Journey Credit Union and Graco Credit Union have offices in Alma. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Alma in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Alma?
Nearby cities with more banks include Saint Louis, Ithaca, Shepherd. Saint Louis is 3 miles away with 2 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Map coordinates of 6 credit union offices whose NCUA record has none, from the office address | U.S. Census Bureau Geocoder | Public data (U.S. government) | With each NCUA import | Oct 19, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
See your odds before you apply
Banrox shows how likely a card or loan is for your profile, from your own data, without a hard pull. Platform live; card in early access; no card issued.
Check your odds