US Bank Directory

Banks in Bay City, MI

7 FDIC-insured banks operate 13 offices in Bay City, Michigan, and 12 credit unions have 17 offices.

Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026; hours checked October 10, 2026.

Bank branch map: Bay City

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: 19 banks and credit unions operate 30 locations in Bay City, according to the FDIC and the NCUA. 30 of them have coordinates on record and are on the map. 22 publish opening hours.

BankCredit unionMain office

Branches: FDIC, NCUA. Streets: loading.

30 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 Bay City

Sorted by number of local branches. Each branch shows where its hours and phone number come from.

Short answer: Huntington has the most locations in Bay City, with 4. It is followed by PNC Bank (2), Independent Bank (2), 1st State Bank (2). 3 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.

Huntington The Huntington National Bank · 4 branches · main office Columbus, OH Bank · 4

Huntington has 4 branches in Bay City, 447 across Michigan and 1,477 nationwide. FDIC records list its main office in Columbus, OH and show it operating since 1866. With $283.07 billion in total assets on June 30, 2026, it ranks No. 15 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Bay City location is the Bay City Main Rivers Edge Branch at 21 E Main St, dating to 1871; the newest, at 900 W Midland St, to 1977. 2 of its 3 Bay City locations with published hours open on Saturday.

  • Bay City Main Rivers Edge Branch
    21 E Main St, 48708
    (989) 895-8521Today 9 am to 5 pm
    All hours

    Mon to Fri 9 am to 5 pm; Sat to Sun not published

    Hours: Huntington branch locator (All The Places), checked Oct 10, 2026

  • Bangor Branch
    3533 Wilder Rd, 48706
    (989) 894-9898Today 9 am to 5 pm
    All hours

    Mon to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published

    Hours: Huntington branch locator (All The Places), checked Oct 10, 2026

  • Seventh Street Office Branch
    600 Washington Ave, 48708
    (989) 894-9865Hours: see the bank's site
  • Bay City Midland Street Branch
    900 W Midland St, 48706
    (989) 686-1753Today 9 am to 5 pm
    All hours

    Mon to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published

    Hours: Huntington branch locator (All The Places), checked Oct 10, 2026

Huntington: profile, branches and contacts
1st State Bank 2 branches · main office Saginaw, MI Bank · 2

1st State Bank has 2 branches in Bay City, 5 across Michigan and 5 nationwide. FDIC records list its main office in Saginaw, MI and show it operating since 2004. With $490.1 million in total assets on June 30, 2026, it ranks No. 1,822 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Bay City location is the Bay City Branch at 601 N Madison Ave, dating to 2006; the newest, at 3907 Wilder Rd, to 2013. It does not publish hours in the sources this page uses; check its site before you go.

  • Wilder Road Bay City Branch
    3907 Wilder Rd, 48706
    Hours: see the bank's site
  • Bay City Branch
    601 N Madison Ave, 48708
    Hours: see the bank's site
1st State Bank: profile, branches and contacts
Elga Credit Union 2 offices · main office Grand Blanc, MI Credit union · 2

Elga Credit Union has 2 officees in Bay City, 17 across Michigan. It is based in Grand Blanc, MI and $2.47 billion in assets on March 31, 2026, according to its NCUA call report. 1 of its 2 Bay City locations with published hours open on Saturday.

Who can join: see the credit union's site.

  • Straits
    1479 Straits Dr, 48706
    (810) 715-3542Today 9 am to 5:30 pm
    All hours

    Mon to Fri 9 am to 5:30 pm; Sat to Sun not published

    Hours: NCUA, March 31, 2026

  • Wilder
    4265 Wilder Rd, 48706
    (810) 715-3542Today 9 am to 5:30 pm
    All hours

    Mon to Fri 9 am to 5:30 pm; Sat 8:30 am to 12 pm; Sun not published

    Hours: NCUA, March 31, 2026

Elga Credit Union: profile, branches and contacts
Financialedge Credit Union 2 offices · main office Bay City, MI Credit union · 2

Financialedge Credit Union has 2 officees in Bay City, 2 across Michigan. It is based in Bay City, MI and $144.8 million in assets on March 31, 2026, according to its NCUA call report. None of its 2 Bay City locations with published hours lists Saturday hours.

Who can join: see the credit union's site.

  • Main Office main office
    1199 S Euclid Ave, 48706
    (989) 892-6088Today 9 am to 5 pm
    All hours

    Mon to Fri 9 am to 5 pm; Sat to Sun not published

    Hours: NCUA, March 31, 2026

  • Center Office
    2601 Center Ave, 48708
    (989) 892-6088Today 9 am to 5 pm
    All hours

    Mon to Fri 9 am to 5 pm; Sat to Sun not published

    Hours: NCUA, March 31, 2026

Financialedge Credit Union: profile, branches and contacts
Great Lakes Credit Union 2 offices · main office Bay City, MI Credit union · 2

Great Lakes Credit Union has 2 officees in Bay City, 4 across Michigan. It is based in Bay City, MI and $60.1 million in assets on March 31, 2026, according to its NCUA call report. All 2 of its Bay City locations with published hours open on Saturday.

Who can join: see the credit union's site.

  • Main Office main office
    415 Washington Ave, 48708
    (989) 893-2831Today 9 am to 5 pm
    All hours

    Mon to Thu 9 am to 5 pm; Fri 8:30 am to 5:30 pm; Sat 9 am to 12 pm; Sun not published

    Hours: NCUA, March 31, 2026

  • Great Lakes Fcu
    1002 W Indiana St, 48706
    (989) 684-4200Today 9 am to 5 pm
    All hours

    Mon to Thu 9 am to 5 pm; Fri 8:30 am to 5:30 pm; Sat 9 am to 12 pm; Sun not published

    Hours: NCUA, March 31, 2026

Great Lakes Credit Union: profile, branches and contacts
Independent Bank 2 branches · main office Grand Rapids, MI Bank · 2

Independent Bank has 2 branches in Bay City, 59 across Michigan and 59 nationwide. FDIC records list its main office in Grand Rapids, MI and show it operating since 1890. With $5.66 billion in total assets on June 30, 2026, it ranks No. 260 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Bay City location is the Bay City Euclid Branch at 745 N Euclid Ave, dating to 1890; the newest, at 623 Washington Ave, to 2007. It does not publish hours in the sources this page uses; check its site before you go.

  • Bay City Branch
    623 Washington Ave, 48708
    Hours: see the bank's site
  • Bay City Euclid Branch
    745 N Euclid Ave, 48706
    Hours: see the bank's site
Independent Bank: profile, branches and contacts
PNC Bank PNC Bank, National Association · 2 branches · main office Wilmington, DE Bank · 2

PNC Bank has 2 branches in Bay City, 124 across Michigan and 2,413 nationwide. FDIC records list its main office in Wilmington, DE and show it operating since 1804. With $609.77 billion in total assets on June 30, 2026, it ranks No. 8 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Bay City location is the Lafayette Mi Branch at 610 Lafayette Ave, dating to 1955; the newest, at 1111 N Euclid Ave, to 1962. It opens on Saturday.

  • Bay City North Euclid Branch
    1111 N Euclid Ave, 48706
    Today 9 am to 5 pm
    All hours

    Mon not published; Tue to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published

    Hours: PNC Bank branch locator (All The Places), checked Oct 3, 2026

  • Lafayette Mi Branch
    610 Lafayette Ave, 48708
    Hours: see the bank's site
PNC Bank: profile, branches and contacts
United Bay Community Credit Union 2 offices · main office Bay City, MI Credit union · 2

United Bay Community Credit Union has 2 officees in Bay City, 6 across Michigan. It is based in Bay City, MI and $304.4 million in assets on March 31, 2026, according to its NCUA call report. None of its 2 Bay City locations with published hours lists Saturday hours.

Who can join: see the credit union's site.

  • Main Office main office
    1309 N Lincoln St, 48708
    (989) 892-4597Today 9 am to 5 pm
    All hours

    Mon to Fri 9 am to 5 pm; Sat to Sun not published

    Hours: NCUA, March 31, 2026

  • Euclid Office
    3939 N Euclid Ave, 48706
    (989) 892-4597Today 9 am to 5 pm
    All hours

    Mon to Fri 9 am to 5 pm; Sat to Sun not published

    Hours: NCUA, March 31, 2026

United Bay Community Credit Union: profile, branches and contacts
Wildfire Credit Union 2 offices · main office Saginaw, MI Credit union · 2

Wildfire Credit Union has 2 officees in Bay City, 7 across Michigan. It is based in Saginaw, MI and $1.19 billion in assets on March 31, 2026, according to its NCUA call report. None of its 2 Bay City locations with published hours lists Saturday hours.

Who can join: see the credit union's site.

  • Bay City Branch
    2936 Wilder Rd, 48706
    (989) 249-8200Today 9 am to 5:30 pm
    All hours

    Mon to Thu 9 am to 5:30 pm; Fri 9 am to 6 pm; Sat to Sun not published

    Hours: NCUA, March 31, 2026

  • John Glenn High School Branch (Restricted Access)
    3201 Kiesel Rd, 48706
    (989) 249-8200Today 10:30 am to 12:30 pm
    All hours

    Mon to Fri 10:30 am to 12:30 pm; Sat to Sun not published

    Hours: NCUA, March 31, 2026

Wildfire Credit Union: profile, branches and contacts
Fifth Third Bank Fifth Third Bank, National Association · 1 branch · main office Cincinnati, OH Bank · 1

Fifth Third Bank has 1 branch in Bay City, 308 across Michigan and 1,508 nationwide. FDIC records list its main office in Cincinnati, OH and show it operating since 1865. With $299.18 billion in total assets on June 30, 2026, it ranks No. 14 of 4,232 U.S. banks by total assets. The Bay City Banking Center Branch at 3870 State Street Rd dates to 2005 in FDIC branch records. It opens on Saturday.

  • Bay City Banking Center Branch
    3870 State Street Rd, 48706
    Today 9 am to 5 pm
    All hours

    Mon closed; Tue to Thu 9 am to 5 pm; Fri 9 am to 5:30 pm; Sat 9 am to 12 pm; Sun closed

    Hours: Fifth Third Bank branch locator (All The Places), checked Oct 10, 2026

Fifth Third Bank: profile, branches and contacts
Financial Plus Credit Union 1 office · main office Flint, MI Credit union · 1

Financial Plus Credit Union has 1 office in Bay City, 12 across Michigan. It is based in Flint, MI and $1.64 billion 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.

  • Wcu - Bay City Branch
    4129 N Euclid Ave, 48706
    (989) 799-9801Today 9 am to 5 pm
    All hours

    Mon to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published

    Hours: NCUA, March 31, 2026

Financial Plus Credit Union: profile, branches and contacts
Frankenmuth Credit Union 1 office · main office Frankenmuth, MI Credit union · 1

Frankenmuth Credit Union has 1 office in Bay City, 33 across Michigan. It is based in Frankenmuth, MI and $1.57 billion 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.

  • Bay City Branch
    800 N Euclid Ave, 48706
    (989) 497-1600Today 9 am to 5:30 pm
    All hours

    Mon to Wed 9 am to 5:30 pm; Thu 10 am to 5:30 pm; Fri 8 am to 6 pm; Sat 9 am to 1 pm; Sun not published

    Hours: NCUA, March 31, 2026

Frankenmuth Credit Union: profile, branches and contacts
Isabella Bank 1 branch · main office Mount Pleasant, MI Bank · 1

Isabella Bank has 1 branch in Bay City, 32 across Michigan and 31 nationwide. FDIC records list its main office in Mount Pleasant, MI and show it operating since 1903. With $2.17 billion in total assets on June 30, 2026, it ranks No. 572 of 4,232 U.S. banks by total assets. The Bay City Loan And Wealth Branch at 723 South Washington Avenue dates to 2023 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

  • Bay City Loan And Wealth Branch
    723 South Washington Avenue, 48708
    Hours: see the bank's site
Isabella Bank: profile, branches and contacts
Jolt Credit Union 1 office · main office Saginaw, MI Credit union · 1

Jolt Credit Union has 1 office in Bay City, 5 across Michigan. It is based in Saginaw, MI and $483.4 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.

  • Euclid Ave Branch
    915 S Euclid Ave, 48706
    (989) 799-8744Today 9 am to 5 pm
    All hours

    Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 1 pm; Sun not published

    Hours: NCUA, March 31, 2026

Jolt Credit Union: profile, branches and contacts
Lake Huron Credit Union 1 office · main office Saginaw, MI Credit union · 1

Lake Huron Credit Union has 1 office in Bay City, 3 across Michigan. It is based in Saginaw, MI and $82.5 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.

  • Bay City Branch
    314 E Midland St, 48706
    (989) 752-5214Today 10 am to 5:30 pm
    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 8 am to 6 pm; Sat to Sun not published

    Hours: NCUA, March 31, 2026

Lake Huron Credit Union: profile, branches and contacts
Sunrise Family Credit Union 1 office · main office Bay City, MI Credit union · 1

Sunrise Family Credit Union has 1 office in Bay City, 3 across Michigan. It is based in Bay City, MI and $132.9 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.

  • Main Office main office
    404 S Euclid Ave, 48706
    (989) 684-1730Today 9 am to 5 pm
    All hours

    Mon to Wed 9 am to 5 pm; Thu to Fri 9 am to 5:30 pm; Sat 9 am to 1 pm; Sun not published

    Hours: NCUA, March 31, 2026

Sunrise Family Credit Union: profile, branches and contacts
Team One Credit Union 1 office · main office Saginaw, MI Credit union · 1

Team One Credit Union has 1 office in Bay City, 12 across Michigan. It is based in Saginaw, MI and $767.4 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.

  • Bay City
    401 E Midland St, 48706
    (989) 671-0077Today 8:30 am to 5 pm
    All hours

    Mon to Thu 8:30 am to 5 pm; Fri 8:30 am to 6 pm; Sat 8:30 am to 12:30 pm; Sun not published

    Hours: NCUA, March 31, 2026

Team One Credit Union: profile, branches and contacts
Thumb Bank and Trust 1 branch · main office Pigeon, MI Bank · 1

Thumb Bank and Trust has 1 branch in Bay City, 13 across Michigan and 13 nationwide. FDIC records list its main office in Pigeon, MI and show it operating since 1895. With $673.3 million in total assets on June 30, 2026, it ranks No. 1,419 of 4,232 U.S. banks by total assets. The Bay City-Wilder Road Branch at 2985 Wilder Rd dates to 2003 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

  • Bay City-Wilder Road Branch
    2985 Wilder Rd, 48706
    Hours: see the bank's site
Thumb Bank and Trust: profile, branches and contacts
United Financial Credit Union 1 office · main office Saginaw, MI Credit union · 1

United Financial Credit Union has 1 office in Bay City, 10 across Michigan. It is based in Saginaw, MI and $350.3 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.

  • United Financial Credit Union Frankenlust Office
    6354 Westside Saginaw Rd, 48706
    (989) 777-3620Today 9 am to 5 pm
    All hours

    Mon to Fri 9 am to 5 pm; Sat to Sun not published

    Hours: NCUA, March 31, 2026

United Financial Credit Union: profile, branches and contacts

Join a credit union in Bay City

12 credit unions have 17 offices here: Elga Credit Union, Wildfire Credit Union, United Bay Community Credit Union, Financialedge Credit Union, Great Lakes Credit Union and Financial Plus Credit Union and 6 more. 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 Bay City page has every office in the state's directory.

Banking in Bay City: the local picture

Short answer: 7 banks run 13 branches in Bay City 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 7 banks, 0 have their main office in Bay City, 4 elsewhere in Michigan and 3 out of state, according to the FDIC.

The bank with the longest record here is PNC Bank, operating since 1804 according to the FDIC. In FDIC branch records, the longest-running branch is Huntington's office at 21 E Main St, dating to 1871; the newest is Isabella Bank's at 723 South Washington Avenue, from 2023.

12 credit unions have 17 offices in Bay City, according to the NCUA. Who can join each one is on the credit unions page.

Of the 22 locations with published hours. 12 open on Saturday. 8 locations have no published hours in these sources.

Banks by ZIP code in Bay City

Offices grouped by the ZIP code in their FDIC or NCUA record.

Short answer: ZIP 48706 has the most bank and credit union offices in Bay City (21), followed by 48708 (9). Offices are spread across 2 ZIP codes.

ZIP codeOfficesInstitutionsMost offices
487062118Elga Credit Union, Huntington, Wildfire Credit Union
4870898Huntington, 1st State Bank, Financialedge Credit Union

Banks and credit unions open on Saturday in Bay City

Short answer: 12 of the 22 Bay City locations with published hours open on Saturday, run by 10 institutions.

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; 8 of the 30 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 Bay City, and where the nearest one is if they do not.

Short answer: In Bay City: PNC Bank (2), Fifth Third Bank (1), Huntington (4). No branches in Bay City: Chase (nearest in Saginaw, 10 mi), Wells Fargo (nearest in Birmingham, 82 mi), Bank of America (nearest in Clarkston, 64 mi), U.S. Bank, Truist, Regions Bank, TD Bank, BMO.

BankIn Bay CityNearest branch if none here
PNC Bank2 brancheshere
Fifth Third Bank1 branchhere
Huntington4 brancheshere
ChaseNoneSaginaw, 10 miles away
Wells FargoNoneBirmingham, 82 miles away
Bank of AmericaNoneClarkston, 64 miles away
U.S. BankNonenone in Michigan
TruistNonenone in Michigan
Regions BankNonenone in Michigan
TD BankNonenone in Michigan
BMONonenone in Michigan

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Bay City 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%.

Fed Funds Target Range3.75% - 4.00%FOMC, Sep 16 2026
30-Yr Fixed Mortgage Avg6.76%Freddie Mac PMMS, Sep 10 2026
15-Yr Fixed Mortgage Avg6.09%Freddie Mac PMMS, Sep 10 2026
Avg Credit Card APR22.15%Fed G.19, accounts assessed interest, Q2 2026
Best 12-Month CD4.25%Barclays and Popular Direct, Sep 16 2026
Best High-Yield Savings3.95%Bread Savings, Sep 16 2026

One year at this rate earns about $0; at the best published savings rate (3.75%) about $0.

OfferBankAPYTermMinimum
SavingsCIT Bank3.75%none$5,000
SavingsBarclays3.50%none$0
SavingsMarcus by Goldman Sachs3.40%none$0
CDSynchrony Bank4.35%60 Months$0
CDMarcus by Goldman Sachs4.35%24 Months$500
CDAmerican Express National Bank4.25%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 Bay City residents like anyone else.

Banks near Bay City

Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.

Short answer: The closest towns with more choice are Essexville (3 miles) and Auburn (9 miles). Saginaw, 12 miles away, has the most banks nearby: 8.

Bank branch openings and closings in Bay City

FDIC branch records, between September 5, 2025 and September 5, 2026.

Short answer: FDIC branch records show no bank branch openings in Bay City 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 Bay City

Short answer: 4 institutions have their main office in Bay City: United Bay Community Credit Union, Financialedge Credit Union, Great Lakes Credit Union and Sunrise Family Credit Union.

InstitutionTypeTotal assets, March 31, 2026Offices here
United Bay Community Credit UnionCredit union$304.4 million2
Financialedge Credit UnionCredit union$144.8 million2
Great Lakes Credit UnionCredit union$60.1 million2
Sunrise Family Credit UnionCredit union$132.9 million1

Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.

Largest banks in Bay City by total assets

Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Bay City offices.

Short answer: PNC Bank is the largest bank with offices in Bay City, with $609.77 billion in total assets on June 30, 2026, No. 8 among U.S. banks by total assets. Fifth Third Bank is second with $299.18 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.

BankTotal assetsRankOffices hereMain office
PNC Bank$609.77 billionNo. 82Wilmington, DE
Fifth Third Bank$299.18 billionNo. 141Cincinnati, OH
Huntington$283.07 billionNo. 154Columbus, OH
Independent Bank$5.66 billionNo. 2602Grand Rapids, MI
Isabella Bank$2.17 billionNo. 5721Mount Pleasant, MI
Thumb Bank and Trust$673.3 millionNo. 1,4191Pigeon, MI
1st State Bank$490.1 millionNo. 1,8222Saginaw, 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 Bay City: FAQ

How many banks are in Bay City, MI?

Bay City has 7 banks with 13 branches and 12 credit unions with 17 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 Bay City?

Huntington, with 4. PNC Bank has 2 and Independent Bank has 2.

Is there a Huntington in Bay City, MI?

Yes. FDIC data lists 4 Huntington branches in Bay City as of September 5, 2026. Its branches are listed under Huntington above, with the address and directions for each.

Is there a PNC Bank in Bay City, MI?

Yes. FDIC data lists 2 PNC Bank branches in Bay City as of September 5, 2026. Its branches are listed under PNC Bank above, with the address and directions for each.

Is there a Independent Bank in Bay City, MI?

Yes. FDIC data lists 2 Independent Bank branches in Bay City as of September 5, 2026. Its branches are listed under Independent Bank above, with the address and directions for each.

Is there a Chase in Bay City, MI?

No. FDIC data lists no Chase branch in Bay City as of September 5, 2026. The nearest is in Saginaw, about 10 miles away in a straight line.

Which banks in Bay City are open on Saturday?

Huntington, PNC Bank, Fifth Third Bank and Elga Credit Union and 6 more publish Saturday hours for one or more Bay City locations. The Saturday section above lists each one with its hours. 8 of the 30 locations here do not publish hours in the sources this page uses; call ahead.

Which banks are headquartered in Bay City?

United Bay Community Credit Union, Financialedge Credit Union, Great Lakes Credit Union and Sunrise Family Credit Union have their main office in Bay City, according to the FDIC and the NCUA.

What is the oldest bank in Bay City?

PNC Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1804.

Which credit unions can I join in Bay City?

Elga Credit Union, Wildfire Credit Union, United Bay Community Credit Union and Financialedge Credit Union and 8 more have offices in Bay City. Check each credit union's membership rules before you apply.

Did any bank branches open or close in Bay City 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 Bay City?

Nearby cities with more banks include Essexville, Auburn, Saginaw. Essexville 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.

DataSourceLicenseUpdatedData as of
FDIC-insured banks: branches, main offices, total assets, dates establishedFDIC BankFind Suite APIPublic data (U.S. government)Monthly importSep 5, 2026
Credit union offices, phones and hours as filed with the NCUA, total assetsNCUA call report dataPublic data (U.S. government)Quarterly importMar 31, 2026
Map coordinates of 17 credit union offices whose NCUA record has none, from the office addressU.S. Census Bureau GeocoderPublic data (U.S. government)With each NCUA importOct 19, 2026
Bank branch hours, phones and branch pages (5 of 13 branches: Fifth Third Bank, Huntington, PNC Bank)The banks' own branch locators, collected by All The PlacesCC0 (All The Places data); each bank's locator is the primary sourceWeekly spider run, monthly refresh hereOct 10, 2026
Savings and CD rates, national averagesBanrox Bank RatesBanrox, from the banks' own rate pages and FDIC national ratesWeeklysee each rate

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