Banks in Cedarville, MI

Bank branch map: Cedarville

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: 4 banks and credit unions operate 4 locations in Cedarville, according to the FDIC and the NCUA. 4 of them have coordinates on record and are on the map. 2 publish opening hours.

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 Cedarville

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

Short answer: Central Savings Bank and The First National Bank of St. Ignace have the most locations in Cedarville, with 1 each. 2 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.

Central Savings Bank 1 branch · main office Sault Sainte Marie, MI Bank · 1

Central Savings Bank has 1 branch in Cedarville, 9 across Michigan and 9 nationwide. FDIC records list its main office in Sault Sainte Marie, MI and show it operating since 1902. With $516.8 million in total assets on June 30, 2026, it ranks No. 1,752 of 4,232 U.S. banks by total assets. The Cedarville Branch at 143 W M 134 dates to 1996 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Cedarville Branch

  143 W M 134, 49719

  Hours: see the bank's site
  DirectionsWebsite

Central Savings Bank: profile, branches and contacts

Soo Co-op Credit Union 1 office · main office Sault Sainte Ma, MI Credit union · 1

Soo Co-op Credit Union has 1 office in Cedarville, 6 across Michigan. It is based in Sault Sainte Ma, MI and $324.8 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.

• Cedarville Branch

  90 Beach St, 49719

  (906) 632-5307Today 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

  Directions

Soo Co-op Credit Union: profile, branches and contacts

The First National Bank of St. Ignace 1 branch · main office St. Ignace, MI Bank · 1

The First National Bank of St. Ignace has 1 branch in Cedarville, 7 across Michigan and 7 nationwide. FDIC records list its main office in St. Ignace, MI and show it operating since 1888. With $335.8 million in total assets on June 30, 2026, it ranks No. 2,322 of 4,232 U.S. banks by total assets. The Cedarville Branch at 192 South Meridian Street dates to 1958 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Cedarville Branch

  192 South Meridian Street, 49719

  Hours: see the bank's site
  DirectionsWebsite

The First National Bank of St. Ignace: profile, branches and contacts

U.p. State Credit Union 1 office · main office Escanaba, MI Credit union · 1

U.p. State Credit Union has 1 office in Cedarville, 6 across Michigan. It is based in Escanaba, MI and $211.8 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.

• Cedarville Branch

  507 W M 134, 49719

  (906) 484-3099Today 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

  Directions

U.p. State Credit Union: profile, branches and contacts

Join a credit union in Cedarville

2 credit unions have 2 offices here: Soo Co-op Credit Union and U.p. State 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 Cedarville page has every office in the state's directory.

Banking in Cedarville: the local picture

Short answer: 2 banks run 2 branches in Cedarville 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 Cedarville, 2 elsewhere in Michigan, according to the FDIC.

The bank with the longest record here is The First National Bank of St. Ignace, operating since 1888 according to the FDIC. In FDIC branch records, the longest-running branch is The First National Bank of St. Ignace's office at 192 South Meridian Street, dating to 1958; the newest is Central Savings Bank's at 143 W M 134, from 1996.

2 credit unions have 2 offices in Cedarville, according to the NCUA. Who can join each one is on the credit unions page.

Of the 2 locations with published hours. None open on Saturday. 2 locations have no published hours in these sources.

Saturday hours in Cedarville

Short answer: None of the 2 Cedarville locations with published hours lists Saturday hours. 2 locations do not publish hours in these sources; call ahead.

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; 2 of the 4 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 Cedarville, and where the nearest one is if they do not.

Short answer: No branches in Cedarville: Chase (nearest in Harbor Springs, 49 mi), Wells Fargo (nearest in Birmingham, 246 mi), Bank of America (nearest in Grand Rapids, 215 mi), PNC Bank (nearest in Cheboygan, 25 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in Petoskey, 52 mi), Huntington (nearest in Sault Ste. Marie, 34 mi), Regions Bank, TD Bank, BMO.

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

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 Cedarville residents like anyone else.

Banks near Cedarville

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

Short answer: The closest towns with more choice are Mackinac Island (16 miles) and St. Ignace (20 miles). Petoskey, 52 miles away, has the most banks nearby: 7.

Bank branch openings and closings in Cedarville

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

Short answer: FDIC branch records show no bank branch openings in Cedarville between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.

Largest banks in Cedarville by total assets

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

Short answer: Central Savings Bank is the largest bank with offices in Cedarville, with $516.8 million in total assets on June 30, 2026, No. 1,752 among U.S. banks by total assets. The First National Bank of St. Ignace is second with $335.8 million. Local deposit shares will follow once the FDIC Summary of Deposits is imported.

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 Cedarville: FAQ

How we build this page

Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.