US Bank Directory
Banks in Charlotte, MI
3 FDIC-insured banks operate 3 offices in Charlotte, 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.
Bank branch map: Charlotte
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 5 locations in Charlotte, according to the FDIC and the NCUA. 5 of them have coordinates on record and are on the map. 2 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
5 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 Charlotte
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: PNC Bank, Independent Bank and Eaton Community Bank have the most locations in Charlotte, with 1 each. 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.
Eaton Community Bank Bank · 1
Eaton Community Bank has 1 branch in Charlotte, 7 across Michigan and 7 nationwide. FDIC records list its main office in Charlotte, MI and show it operating since 1936. With $543.5 million in total assets on June 30, 2026, it ranks No. 1,697 of 4,232 U.S. banks by total assets. Its main office at 236 S Cochran Ave dates to 1936 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Main Office main office236 S Cochran Ave, 48813
Independent Bank Bank · 1
Independent Bank has 1 branch in Charlotte, 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 Charlotte Branch at 129 Lansing St dates to 1989 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Charlotte Branch129 Lansing St, 48813
Lafcu Credit Union Credit union · 1
Lafcu Credit Union has 1 office in Charlotte, 10 across Michigan. It is based in Lansing, MI and $1.14 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.
-
Charlotte1553 Lansing Rd, 48813
All hours
Mon to Thu not published; Fri 9 am to 5:30 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Michigan State University Credit Union Credit union · 1
Michigan State University Credit Union has 1 office in Charlotte, 27 across Michigan. It is based in East Lansing, MI and $8.51 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.
-
Msufcu - Charlotte Branch180 High St, 48813
All hours
Mon to Thu 9 am to 5:30 pm; Fri 9 am to 6 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
PNC Bank Bank · 1
PNC Bank has 1 branch in Charlotte, 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. The Charlotte Branch at 101 S Cochran Ave dates to 1974 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Charlotte Branch101 S Cochran Ave, 48813
Join a credit union in Charlotte
2 credit unions have 2 offices here: Michigan State University Credit Union and Lafcu 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 Charlotte page has every office in the state's directory.
Banking in Charlotte: the local picture
Short answer: 3 banks run 3 branches in Charlotte 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 Charlotte, 1 elsewhere in Michigan and 1 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 Eaton Community Bank's office at 236 S Cochran Ave, dating to 1936; the newest is Independent Bank's at 129 Lansing St, from 1989.
2 credit unions have 2 offices in Charlotte, according to the NCUA. Who can join each one is on the credit unions page.
Of the 2 locations with published hours. 2 open on Saturday. 3 locations have no published hours in these sources.
Credit unions open on Saturday in Charlotte
Short answer: 2 of the 2 Charlotte locations with published hours open on Saturday, run by 2 institutions.
- Michigan State University Credit Union: 1 of 1 office (180 High St: Saturday 9 am to 1 pm)
- Lafcu Credit Union: 1 of 1 office (1553 Lansing Rd: 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; 3 of the 5 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 Charlotte, and where the nearest one is if they do not.
Short answer: In Charlotte: PNC Bank (1). No branches in Charlotte: Chase (nearest in Lansing, 17 mi), Wells Fargo (nearest in Birmingham, 83 mi), Bank of America (nearest in Lansing, 16 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in Grand Ledge, 13 mi), Huntington (nearest in Lansing, 16 mi), Regions Bank, TD Bank, BMO.
| Bank | In Charlotte | Nearest branch if none here |
|---|---|---|
| PNC Bank | 1 branch | here |
| Chase | None | Lansing, 17 miles away |
| Wells Fargo | None | Birmingham, 83 miles away |
| Bank of America | None | Lansing, 16 miles away |
| U.S. Bank | None | none in Michigan |
| Truist | None | none in Michigan |
| Fifth Third Bank | None | Grand Ledge, 13 miles away |
| Huntington | None | Lansing, 16 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 Charlotte 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 Charlotte residents like anyone else.
Banks near Charlotte
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Eaton Rapids (10 miles) and Grand Ledge (13 miles). Lansing, 18 miles away, has the most banks nearby: 9.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Eaton Rapids, MI | 10 mi | 2 | 2 |
| Banks in Grand Ledge, MI | 13 mi | 3 | 3 |
| Banks in Nashville, MI | 13 mi | 2 | 2 |
| Banks in Lansing, MI | 18 mi | 9 | 25 |
| Banks in Mason, MI | 20 mi | 4 | 5 |
| Banks in Portland, MI | 21 mi | 2 | 2 |
| Banks in Marshall, MI | 21 mi | 4 | 4 |
| Banks in East Lansing, MI | 22 mi | 9 | 9 |
Bank branch openings and closings in Charlotte
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Charlotte 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 Charlotte
Short answer: 1 institution has its main office in Charlotte: Eaton Community Bank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Eaton Community Bank | Bank | $543.5 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Charlotte by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Charlotte offices.
Short answer: PNC Bank is the largest bank with offices in Charlotte, with $609.77 billion in total assets on June 30, 2026, No. 8 among U.S. banks by total assets. Independent Bank is second with $5.66 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 |
|---|---|---|---|---|
| PNC Bank | $609.77 billion | No. 8 | 1 | Wilmington, DE |
| Independent Bank | $5.66 billion | No. 260 | 1 | Grand Rapids, MI |
| Eaton Community Bank | $543.5 million | No. 1,697 | 1 | Charlotte, 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 Charlotte: FAQ
How many banks are in Charlotte, MI?
Charlotte has 3 banks with 3 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 Charlotte?
PNC Bank, with 1. Independent Bank has 1 and Eaton Community Bank has 1.
Is there a PNC Bank in Charlotte, MI?
Yes. FDIC data lists 1 PNC Bank branch in Charlotte as of September 5, 2026. The address and directions are under PNC Bank above.
Is there a Independent Bank in Charlotte, MI?
Yes. FDIC data lists 1 Independent Bank branch in Charlotte as of September 5, 2026. The address and directions are under Independent Bank above.
Is there a Eaton Community Bank in Charlotte, MI?
Yes. FDIC data lists 1 Eaton Community Bank branch in Charlotte as of September 5, 2026, the main office at 236 S Cochran Ave. The address and directions are under Eaton Community Bank above.
Is there a Chase in Charlotte, MI?
No. FDIC data lists no Chase branch in Charlotte as of September 5, 2026. The nearest is in Lansing, about 17 miles away in a straight line.
Which banks in Charlotte are open on Saturday?
Michigan State University Credit Union and Lafcu Credit Union publish Saturday hours for one or more Charlotte locations. The Saturday section above lists each one with its hours. 3 of the 5 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Charlotte?
Eaton Community Bank has its main office in Charlotte, according to the FDIC.
What is the oldest bank in Charlotte?
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 Charlotte?
Michigan State University Credit Union and Lafcu Credit Union have offices in Charlotte. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Charlotte 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 Charlotte?
Nearby cities with more banks include Eaton Rapids, Grand Ledge, Nashville. Eaton Rapids is 10 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 |
| 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