US Bank Directory
Banks in Charlevoix, MI
3 FDIC-insured banks operate 5 offices in Charlevoix, Michigan, and 1 credit union has 1 office.
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: Charlevoix
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 6 locations in Charlevoix, according to the FDIC and the NCUA. 6 of them have coordinates on record and are on the map. 2 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 Charlevoix
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Charlevoix State Bank has the most locations in Charlevoix, with 3. 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.
Charlevoix State Bank Bank · 3
Charlevoix State Bank has 3 branches in Charlevoix, 7 across Michigan and 7 nationwide. FDIC records list its main office in Charlevoix, MI and show it operating since 1994. With $248.3 million in total assets on June 30, 2026, it ranks No. 2,736 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Charlevoix location is its main office at 111 State St, dating to 1994; the newest, at 102 M 66 N, to 2006. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office111 State St, 49720
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Southside Branch102 M 66 N, 49720
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Www.Charlevoixstatebank.Com Branch102 M 66 N, 49720
4front Credit Union Credit union · 1
4front Credit Union has 1 office in Charlevoix, 23 across Michigan. It is based in Traverse City, MI and $1.02 billion 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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Charlevoix1031 May St, 49720
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Horizon Bank Bank · 1
Horizon Bank has 1 branch in Charlevoix, 29 across Michigan and 79 nationwide. FDIC records list its main office in Michigan City, IN and show it operating since 1873. With $6.55 billion in total assets on June 30, 2026, it ranks No. 237 of 4,232 U.S. banks by total assets. The Charlevoix Bridge Branch at 1425 Bridge St dates to 2007 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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Charlevoix Bridge Branch1425 Bridge St, 49720
Huntington Bank · 1
Huntington has 1 branch in Charlevoix, 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. The Charlevoix Downtown at 201 State St dates to 1884 in FDIC branch records. Its published hours do not list Saturday.
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Charlevoix Downtown201 State St, 49720
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
Join a credit union in Charlevoix
1 credit union has 1 office here: 4front 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 Charlevoix page has every office in the state's directory.
Banking in Charlevoix: the local picture
Short answer: 3 banks run 5 branches in Charlevoix 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, 1 has its main office in Charlevoix and 2 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 201 State St, dating to 1884; the newest is Horizon Bank's at 1425 Bridge St, from 2007.
The only credit union with an office here is 4front Credit Union.
Of the 2 locations with published hours. None open on Saturday. 4 locations have no published hours in these sources.
Saturday hours in Charlevoix
Short answer: None of the 2 Charlevoix locations with published hours lists Saturday hours. 4 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; 4 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 Charlevoix, and where the nearest one is if they do not.
Short answer: In Charlevoix: Huntington (1). No branches in Charlevoix: Chase (nearest in Petoskey, 15 mi), Wells Fargo (nearest in Birmingham, 217 mi), Bank of America (nearest in Grand Rapids, 160 mi), PNC Bank (nearest in Petoskey, 16 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in Petoskey, 15 mi), Regions Bank, TD Bank, BMO.
| Bank | In Charlevoix | Nearest branch if none here |
|---|---|---|
| Huntington | 1 branch | here |
| Chase | None | Petoskey, 15 miles away |
| Wells Fargo | None | Birmingham, 217 miles away |
| Bank of America | None | Grand Rapids, 160 miles away |
| PNC Bank | None | Petoskey, 16 miles away |
| U.S. Bank | None | none in Michigan |
| Truist | None | none in Michigan |
| Fifth Third Bank | None | Petoskey, 15 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 Charlevoix 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 Charlevoix residents like anyone else.
Banks near Charlevoix
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are East Jordan (12 miles) and Boyne City (15 miles). Petoskey, 15 miles away, has the most banks nearby: 7.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in East Jordan, MI | 12 mi | 2 | 2 |
| Banks in Boyne City, MI | 15 mi | 3 | 3 |
| Banks in Petoskey, MI | 15 mi | 7 | 11 |
| Banks in Harbor Springs, MI | 17 mi | 2 | 4 |
| Banks in Bellaire, MI | 23 mi | 2 | 2 |
| Banks in Elk Rapids, MI | 29 mi | 3 | 3 |
| Banks in Suttons Bay, MI | 30 mi | 4 | 5 |
| Banks in Gaylord, MI | 35 mi | 5 | 6 |
Bank branch openings and closings in Charlevoix
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Charlevoix 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 Charlevoix
Short answer: 1 institution has its main office in Charlevoix: Charlevoix State Bank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Charlevoix State Bank | Bank | $248.3 million | 3 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Charlevoix by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Charlevoix offices.
Short answer: Huntington is the largest bank with offices in Charlevoix, with $283.07 billion in total assets on June 30, 2026, No. 15 among U.S. banks by total assets. Horizon Bank is second with $6.55 billion. 1 of the 3 bank is headquartered here. 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 | 1 | Columbus, OH |
| Horizon Bank | $6.55 billion | No. 237 | 1 | Michigan City, IN |
| Charlevoix State Bank | $248.3 million | No. 2,736 | 3 | Charlevoix, 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 Charlevoix: FAQ
How many banks are in Charlevoix, MI?
Charlevoix has 3 banks with 5 branches and 1 credit union with 1 office, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Charlevoix?
Charlevoix State Bank, with 3. Huntington has 1 and Horizon Bank has 1.
Is there a Huntington in Charlevoix, MI?
Yes. FDIC data lists 1 Huntington branch in Charlevoix as of September 5, 2026. The address and directions are under Huntington above.
Is there a Horizon Bank in Charlevoix, MI?
Yes. FDIC data lists 1 Horizon Bank branch in Charlevoix as of September 5, 2026. The address and directions are under Horizon Bank above.
Is there a Chase in Charlevoix, MI?
No. FDIC data lists no Chase branch in Charlevoix as of September 5, 2026. The nearest is in Petoskey, about 15 miles away in a straight line.
Which banks in Charlevoix are open on Saturday?
None of the 2 locations with published hours lists Saturday hours. 4 locations do not publish hours in our sources; call ahead.
Which banks are headquartered in Charlevoix?
Charlevoix State Bank has its main office in Charlevoix, according to the FDIC.
What is the oldest bank in Charlevoix?
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 Charlevoix?
4front Credit Union has an office in Charlevoix. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Charlevoix 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 Charlevoix?
Nearby cities with more banks include East Jordan, Boyne City, Petoskey. East Jordan is 12 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 1 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 5 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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