US Bank Directory
Banks in Chelsea, MI
4 FDIC-insured banks operate 5 offices in Chelsea, 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: Chelsea
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: 6 banks and credit unions operate 7 locations in Chelsea, 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 Chelsea
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Chelsea State Bank has the most locations in Chelsea, with 2. The other 3 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.
Chelsea State Bank Bank · 2
Chelsea State Bank has 2 branches in Chelsea, 4 across Michigan and 4 nationwide. FDIC records list its main office in Chelsea, MI and show it operating since 1897. With $416.5 million in total assets on June 30, 2026, it ranks No. 2,024 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Chelsea location is its main office at 1010 S Main St, dating to 1897; the newest, at 305 S Main St, to 1980. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office1010 S Main St, 48118
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Downtown Branch305 S Main St, 48118
American 1 Credit Union Credit union · 1
American 1 Credit Union has 1 office in Chelsea, 18 across Michigan. It is based in Jackson, MI and $666.9 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.
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Chelsea Us-1212855 E Old Us Highway 12 Ste 8, 48118
All hours
Mon to Thu 9 am to 5:30 pm; Fri 8 am to 6 pm; Sat 9 am to 2 pm; Sun not published
Hours: NCUA, March 31, 2026
Flagstar Bank · 1
Flagstar has 1 branch in Chelsea, 101 across Michigan and 345 nationwide. FDIC records list its main office in Hicksville, NY and show it operating since 1987. With $87.71 billion in total assets on June 30, 2026, it ranks No. 36 of 4,232 U.S. banks by total assets. The Chelsea Branch at 1290 S Main St dates to 1996 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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Chelsea Branch1290 S Main St, 48118
Huntington Bank · 1
Huntington has 1 branch in Chelsea, 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 Chelsea Branch at 1135 S Main St dates to 1890 in FDIC branch records. It opens on Saturday.
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Chelsea Branch1135 S Main St, 48118
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
KeyBank Bank · 1
KeyBank has 1 branch in Chelsea, 19 across Michigan and 952 nationwide. FDIC records list its main office in Cleveland, OH and show it operating since 1849. With $188.56 billion in total assets on June 30, 2026, it ranks No. 23 of 4,232 U.S. banks by total assets. The Sylvan Township Branch at 1478 Chelsea Manchester Rd dates to 1978 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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Sylvan Township Branch1478 Chelsea Manchester Rd, 48118
Lake Trust Credit Union Credit union · 1
Lake Trust Credit Union has 1 office in Chelsea, 24 across Michigan. It is based in Brighton, MI and $2.87 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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Chelsea Branch1170 S Main St Ste 100, 48118
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
Join a credit union in Chelsea
2 credit unions have 2 offices here: Lake Trust Credit Union and American 1 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 Chelsea page has every office in the state's directory.
Banking in Chelsea: the local picture
Short answer: 4 banks run 5 branches in Chelsea 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 4 banks, 1 has its main office in Chelsea and 3 out of state, according to the FDIC.
The bank with the longest record here is KeyBank, operating since 1849 according to the FDIC. In FDIC branch records, the longest-running branch is Huntington's office at 1135 S Main St, dating to 1890; the newest is Flagstar's at 1290 S Main St, from 1996.
2 credit unions have 2 offices in Chelsea, according to the NCUA. Who can join each one is on the credit unions page.
Of the 3 locations with published hours. 3 open on Saturday. 4 locations have no published hours in these sources.
Banks and credit unions open on Saturday in Chelsea
Short answer: 3 of the 3 Chelsea locations with published hours open on Saturday, run by 3 institutions.
- Huntington: 1 of 1 branch (1135 S Main St: Saturday 9 am to 12 pm)
- Lake Trust Credit Union: 1 of 1 office (1170 S Main St Ste 100: Saturday 9 am to 1 pm)
- American 1 Credit Union: 1 of 1 office (12855 E Old Us Highway 12 Ste 8: Saturday 9 am to 2 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; 4 of the 7 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 Chelsea, and where the nearest one is if they do not.
Short answer: In Chelsea: Huntington (1). No branches in Chelsea: Chase (nearest in Ann Arbor, 10 mi), Wells Fargo (nearest in Birmingham, 45 mi), Bank of America (nearest in Ann Arbor, 12 mi), PNC Bank (nearest in Dexter, 7 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in Ann Arbor, 10 mi), Regions Bank, TD Bank, BMO.
| Bank | In Chelsea | Nearest branch if none here |
|---|---|---|
| Huntington | 1 branch | here |
| Chase | None | Ann Arbor, 10 miles away |
| Wells Fargo | None | Birmingham, 45 miles away |
| Bank of America | None | Ann Arbor, 12 miles away |
| PNC Bank | None | Dexter, 7 miles away |
| U.S. Bank | None | none in Michigan |
| Truist | None | none in Michigan |
| Fifth Third Bank | None | Ann Arbor, 10 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 Chelsea 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 Chelsea residents like anyone else.
Banks near Chelsea
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Dexter (7 miles) and Stockbridge (12 miles). Ann Arbor, 14 miles away, has the most banks nearby: 14.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Dexter, MI | 7 mi | 4 | 4 |
| Banks in Stockbridge, MI | 12 mi | 2 | 2 |
| Banks in Ann Arbor, MI | 14 mi | 14 | 45 |
| Banks in Saline, MI | 16 mi | 4 | 4 |
| Banks in Brooklyn, MI | 18 mi | 3 | 3 |
| Banks in Brighton, MI | 20 mi | 12 | 17 |
| Banks in Ypsilanti, MI | 20 mi | 8 | 13 |
| Banks in Jackson, MI | 21 mi | 8 | 20 |
Bank branch openings and closings in Chelsea
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Chelsea 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 Chelsea
Short answer: 1 institution has its main office in Chelsea: Chelsea State Bank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Chelsea State Bank | Bank | $416.5 million | 2 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Chelsea by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Chelsea offices.
Short answer: Huntington is the largest bank with offices in Chelsea, with $283.07 billion in total assets on June 30, 2026, No. 15 among U.S. banks by total assets. KeyBank is second with $188.56 billion. 1 of the 4 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 |
| KeyBank | $188.56 billion | No. 23 | 1 | Cleveland, OH |
| Flagstar | $87.71 billion | No. 36 | 1 | Hicksville, NY |
| Chelsea State Bank | $416.5 million | No. 2,024 | 2 | Chelsea, 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 Chelsea: FAQ
How many banks are in Chelsea, MI?
Chelsea has 4 banks with 5 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 Chelsea?
Chelsea State Bank, with 2. Huntington has 1 and KeyBank has 1.
Is there a Huntington in Chelsea, MI?
Yes. FDIC data lists 1 Huntington branch in Chelsea as of September 5, 2026. The address and directions are under Huntington above.
Is there a KeyBank in Chelsea, MI?
Yes. FDIC data lists 1 KeyBank branch in Chelsea as of September 5, 2026. The address and directions are under KeyBank above.
Is there a Chase in Chelsea, MI?
No. FDIC data lists no Chase branch in Chelsea as of September 5, 2026. The nearest is in Ann Arbor, about 10 miles away in a straight line.
Which banks in Chelsea are open on Saturday?
Huntington, Lake Trust Credit Union and American 1 Credit Union publish Saturday hours for one or more Chelsea locations. The Saturday section above lists each one with its hours. 4 of the 7 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Chelsea?
Chelsea State Bank has its main office in Chelsea, according to the FDIC.
What is the oldest bank in Chelsea?
KeyBank has the longest record among banks with a branch here: the FDIC shows it operating since 1849.
Which credit unions can I join in Chelsea?
Lake Trust Credit Union and American 1 Credit Union have offices in Chelsea. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Chelsea 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 Chelsea?
Nearby cities with more banks include Dexter, Stockbridge, Ann Arbor. Dexter is 7 miles away with 4 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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