US Bank Directory
Banks in Caro, MI
3 FDIC-insured banks operate 4 offices in Caro, Michigan, and 2 credit unions have 2 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: Caro
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: 5 banks and credit unions operate 6 locations in Caro, according to the FDIC and the NCUA. 6 of them have coordinates on record and are on the map. 3 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
6 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 Caro
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 Caro, with 2. The other 2 each 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 Bank · 2
Huntington has 2 branches in Caro, 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 Caro location is the Caro Branch at 240 N State St, dating to 1904; the newest, at 150 W Burnside St, to 2019. Its published hours do not list Saturday.
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Caro Autobank Branch150 W Burnside St, 48723
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Caro Branch240 N State St, 48723
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
Frankenmuth Credit Union Credit union · 1
Frankenmuth Credit Union has 1 office in Caro, 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.
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Caro Branch1060 W Caro Rd, 48723
All hours
Mon to Wed 9 am to 5 pm; Thu 9:15 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 12:30 pm; Sun not published
Hours: NCUA, March 31, 2026
Independent Bank Bank · 1
Independent Bank has 1 branch in Caro, 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. The Caro Branch at 1111 W Caro Rd dates to 2004 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Caro Branch1111 W Caro Rd, 48723
Northstar Bank Bank · 1
Northstar Bank has 1 branch in Caro, 11 across Michigan and 11 nationwide. FDIC records list its main office in Bad Axe, MI and show it operating since 2001. With $1.16 billion in total assets on June 30, 2026, it ranks No. 922 of 4,232 U.S. banks by total assets. The Community Bank, Caro - Branch at 1100 E Caro Rd dates to 1926 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Community Bank, Caro - Branch1100 E Caro Rd, 48723
Team One Credit Union Credit union · 1
Team One Credit Union has 1 office in Caro, 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. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Caro1130 Cleaver Rd, 48723
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Caro
2 credit unions have 2 offices here: Frankenmuth Credit Union and Team One 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 Caro page has every office in the state's directory.
Banking in Caro: the local picture
Short answer: 3 banks run 4 branches in Caro 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 3 banks, 0 have their main office in Caro, 2 elsewhere in Michigan and 1 out of state, according to the FDIC.
The bank with the longest record here is Huntington, operating since 1866 according to the FDIC. In FDIC branch records, the longest-running branch is Huntington's office at 240 N State St, dating to 1904; the newest is Huntington's at 150 W Burnside St, from 2019.
2 credit unions have 2 offices in Caro, according to the NCUA. Who can join each one is on the credit unions page.
Of the 3 locations with published hours. 1 opens on Saturday. 3 locations have no published hours in these sources.
Credit unions open on Saturday in Caro
Short answer: 1 of the 3 Caro locations with published hours opens on Saturday, run by 1 institution.
- Frankenmuth Credit Union: 1 of 1 office (1060 W Caro Rd: Saturday 9 am to 12:30 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; 3 of the 6 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 Caro, and where the nearest one is if they do not.
Short answer: In Caro: Huntington (2). No branches in Caro: Chase (nearest in Sandusky, 28 mi), Wells Fargo (nearest in Birmingham, 66 mi), Bank of America (nearest in Lake Orion, 51 mi), PNC Bank (nearest in Frankenmuth, 20 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in Bay City, 27 mi), Regions Bank, TD Bank, BMO.
| Bank | In Caro | Nearest branch if none here |
|---|---|---|
| Huntington | 2 branches | here |
| Chase | None | Sandusky, 28 miles away |
| Wells Fargo | None | Birmingham, 66 miles away |
| Bank of America | None | Lake Orion, 51 miles away |
| PNC Bank | None | Frankenmuth, 20 miles away |
| U.S. Bank | None | none in Michigan |
| Truist | None | none in Michigan |
| Fifth Third Bank | None | Bay City, 27 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 Caro 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 Caro residents like anyone else.
Banks near Caro
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Cass City (13 miles) and Sebewaing (16 miles). Bay City, 27 miles away, has the most banks nearby: 7.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Cass City, MI | 13 mi | 2 | 2 |
| Banks in Sebewaing, MI | 16 mi | 2 | 2 |
| Banks in Marlette, MI | 19 mi | 3 | 3 |
| Banks in Frankenmuth, MI | 20 mi | 2 | 2 |
| Banks in North Branch, MI | 21 mi | 2 | 3 |
| Banks in Essexville, MI | 23 mi | 2 | 2 |
| Banks in Pigeon, MI | 24 mi | 3 | 3 |
| Banks in Bay City, MI | 27 mi | 7 | 13 |
Bank branch openings and closings in Caro
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Caro between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Caro by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Caro offices.
Short answer: Huntington is the largest bank with offices in Caro, with $283.07 billion in total assets on June 30, 2026, No. 15 among U.S. banks by total assets. Independent Bank is second with $5.66 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Huntington | $283.07 billion | No. 15 | 2 | Columbus, OH |
| Independent Bank | $5.66 billion | No. 260 | 1 | Grand Rapids, MI |
| Northstar Bank | $1.16 billion | No. 922 | 1 | Bad Axe, 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 Caro: FAQ
How many banks are in Caro, MI?
Caro has 3 banks with 4 branches and 2 credit unions with 2 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 Caro?
Huntington, with 2. Independent Bank has 1 and Northstar Bank has 1.
Is there a Huntington in Caro, MI?
Yes. FDIC data lists 2 Huntington branches in Caro as of September 5, 2026. Its branches are listed under Huntington above, with the address and directions for each.
Is there a Independent Bank in Caro, MI?
Yes. FDIC data lists 1 Independent Bank branch in Caro as of September 5, 2026. The address and directions are under Independent Bank above.
Is there a Northstar Bank in Caro, MI?
Yes. FDIC data lists 1 Northstar Bank branch in Caro as of September 5, 2026. The address and directions are under Northstar Bank above.
Is there a Chase in Caro, MI?
No. FDIC data lists no Chase branch in Caro as of September 5, 2026. The nearest is in Sandusky, about 28 miles away in a straight line.
Which banks in Caro are open on Saturday?
Frankenmuth Credit Union publishes Saturday hours for one or more Caro locations. The Saturday section above lists each one with its hours. 3 of the 6 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Caro?
Huntington has the longest record among banks with a branch here: the FDIC shows it operating since 1866.
Which credit unions can I join in Caro?
Frankenmuth Credit Union and Team One Credit Union have offices in Caro. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Caro 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 Caro?
Nearby cities with more banks include Cass City, Sebewaing, Marlette. Cass City is 13 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 2 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 |
| Bank branch hours, phones and branch pages (1 of 4 branches: Huntington) | The banks' own branch locators, collected by All The Places | CC0 (All The Places data); each bank's locator is the primary source | Weekly spider run, monthly refresh here | Oct 10, 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 |
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