US Bank Directory
Banks in Coldwater, MI
5 FDIC-insured banks operate 12 offices in Coldwater, Michigan, and 4 credit unions have 4 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: Coldwater
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: 9 banks and credit unions operate 16 locations in Coldwater, according to the FDIC and the NCUA. 16 of them have coordinates on record and are on the map. 6 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
16 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 Coldwater
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Southern Michigan Bank & Trust and Century Bank and Trust have the most locations in Coldwater, with 4 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.
Century Bank and Trust Bank · 4
Century Bank and Trust has 4 branches in Coldwater, 11 across Michigan and 11 nationwide. FDIC records list its main office in Coldwater, MI and show it operating since 1909. With $494.0 million in total assets on June 30, 2026, it ranks No. 1,810 of 4,232 U.S. banks by total assets. Its main office at 100 W Chicago St dates to 1909 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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Main Office main office100 W Chicago St, 49036
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Messenger Service100 W Chicago St, 49036
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Auto Bank Drive-In Branch66 N Monroe St, 49036
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East Branch745 E Chicago Rd, 49036
Southern Michigan Bank & Trust Bank · 4
Southern Michigan Bank & Trust has 4 branches in Coldwater, 21 across Michigan and 21 nationwide. FDIC records list its main office in Coldwater, MI and show it operating since 1872. With $1.68 billion in total assets on June 30, 2026, it ranks No. 674 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Coldwater location is its main office at 45 W Pearl St, dating to 1872; the newest, at 2 W Chicago St, to 1996. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office45 W Pearl St, 49036
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Chicago Street Branch2 W Chicago St, 49036
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East Chicago Branch441 E Chicago St, 49036
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Shopping Center Branch51 W Pearl St, 49036
Huntington Bank · 2
Huntington has 2 branches in Coldwater, 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 Coldwater location is the Coldwater Willowbrook Branch at 375 N Willowbrook Rd, dating to 1934; the newest, at 24 Grand St, to 2019. It opens on Saturday.
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Coldwater Remote Drive Thru Branch24 Grand St, 49036
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Coldwater Willowbrook Branch375 N Willowbrook Rd, 49036
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
Consumers Credit Union Credit union · 1
Consumers Credit Union has 1 office in Coldwater, 34 across Michigan. It is based in Oshtemo, MI and $2.86 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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Coldwater829 E Chicago St, 49036
All hours
Mon to Wed 9 am to 5:30 pm; Thu to Fri 9 am to 6 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Flagstar Bank · 1
Flagstar has 1 branch in Coldwater, 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 Coldwater Branch at 354 E Chicago St dates to 1999 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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Coldwater Branch354 E Chicago St, 49036
Honor Credit Union Credit union · 1
Honor Credit Union has 1 office in Coldwater, 28 across Michigan. It is based in Berrien Springs, MI and $1.86 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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Honor Credit Union621 E Chicago Rd, 49036
All hours
Mon to Tue 9 am to 5 pm; Wed 10 am to 5 pm; Thu 9 am to 5 pm; Fri 9 am to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Ignite Credit Union Credit union · 1
Ignite Credit Union has 1 office in Coldwater, 11 across Michigan. It is based in Battle Creek, MI and $376.3 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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Coldwater Branch415 N Willowbrook Rd, 49036
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Marshall Community Credit Union Credit union · 1
Marshall Community Credit Union has 1 office in Coldwater, 3 across Michigan. It is based in Marshall, MI and $369.6 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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Marshall Community Credit Union688 E Chicago Rd, 49036
All hours
Mon to Tue 8 am to 5:30 pm; Wed 9 am to 5:30 pm; Thu to Fri 8 am to 5:30 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
PNC Bank Bank · 1
PNC Bank has 1 branch in Coldwater, 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 Coldwater Branch at 505 E Chicago St dates to 1966 in FDIC branch records. It opens on Saturday.
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Coldwater Branch505 E Chicago St, 49036
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published
Hours: PNC Bank branch locator (All The Places), checked Oct 3, 2026
Join a credit union in Coldwater
4 credit unions have 4 offices here: Consumers Credit Union, Honor Credit Union, Ignite Credit Union and Marshall Community 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 Coldwater page has every office in the state's directory.
Banking in Coldwater: the local picture
Short answer: 5 banks run 12 branches in Coldwater 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 5 banks, 2 have their main office in Coldwater and 3 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 Southern Michigan Bank & Trust's office at 45 W Pearl St, dating to 1872; the newest is Huntington's at 24 Grand St, from 2019.
4 credit unions have 4 offices in Coldwater, according to the NCUA. Who can join each one is on the credit unions page.
Of the 6 locations with published hours. 4 open on Saturday. 10 locations have no published hours in these sources.
Banks and credit unions open on Saturday in Coldwater
Short answer: 4 of the 6 Coldwater locations with published hours open on Saturday, run by 4 institutions.
- Huntington: 1 of 2 branches (375 N Willowbrook Rd: Saturday 9 am to 12 pm)
- PNC Bank: 1 of 1 branch (505 E Chicago St: Saturday 9 am to 1 pm)
- Consumers Credit Union: 1 of 1 office (829 E Chicago St: Saturday 9 am to 12 pm)
- Marshall Community Credit Union: 1 of 1 office (688 E Chicago 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; 10 of the 16 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 Coldwater, and where the nearest one is if they do not.
Short answer: In Coldwater: PNC Bank (1), Huntington (2). No branches in Coldwater: Chase (nearest in Portage, 37 mi), Wells Fargo (nearest in Birmingham, 100 mi), Bank of America (nearest in Lansing, 55 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in Hillsdale, 18 mi), Regions Bank, TD Bank, BMO.
| Bank | In Coldwater | Nearest branch if none here |
|---|---|---|
| PNC Bank | 1 branch | here |
| Huntington | 2 branches | here |
| Chase | None | Portage, 37 miles away |
| Wells Fargo | None | Birmingham, 100 miles away |
| Bank of America | None | Lansing, 55 miles away |
| U.S. Bank | None | none in Michigan |
| Truist | None | none in Michigan |
| Fifth Third Bank | None | Hillsdale, 18 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 Coldwater 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 Coldwater residents like anyone else.
Banks near Coldwater
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Bronson (12 miles) and Hillsdale (18 miles). Battle Creek, 27 miles away, has the most banks nearby: 7.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Bronson, MI | 12 mi | 2 | 2 |
| Banks in Hillsdale, MI | 18 mi | 4 | 6 |
| Banks in Marshall, MI | 23 mi | 4 | 4 |
| Banks in Sturgis, MI | 25 mi | 6 | 8 |
| Banks in Albion, MI | 25 mi | 2 | 2 |
| Banks in Battle Creek, MI | 27 mi | 7 | 10 |
| Banks in Centreville, MI | 28 mi | 2 | 2 |
| Banks in Spring Arbor, MI | 30 mi | 2 | 2 |
Bank branch openings and closings in Coldwater
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Coldwater 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 Coldwater
Short answer: 2 institutions have their main office in Coldwater: Southern Michigan Bank & Trust and Century Bank and Trust.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Southern Michigan Bank & Trust | Bank | $1.68 billion | 4 |
| Century Bank and Trust | Bank | $494.0 million | 4 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Coldwater by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Coldwater offices.
Short answer: PNC Bank is the largest bank with offices in Coldwater, with $609.77 billion in total assets on June 30, 2026, No. 8 among U.S. banks by total assets. Huntington is second with $283.07 billion. 2 of the 5 banks are 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 |
| Huntington | $283.07 billion | No. 15 | 2 | Columbus, OH |
| Flagstar | $87.71 billion | No. 36 | 1 | Hicksville, NY |
| Southern Michigan Bank & Trust | $1.68 billion | No. 674 | 4 | Coldwater, MI |
| Century Bank and Trust | $494.0 million | No. 1,810 | 4 | Coldwater, 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 Coldwater: FAQ
How many banks are in Coldwater, MI?
Coldwater has 5 banks with 12 branches and 4 credit unions with 4 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 Coldwater?
Southern Michigan Bank & Trust, with 4. Century Bank and Trust has 4 and Huntington has 2.
Is there a Southern Michigan Bank & Trust in Coldwater, MI?
Yes. FDIC data lists 4 Southern Michigan Bank & Trust branches in Coldwater as of September 5, 2026, the main office at 45 W Pearl St. Its branches are listed under Southern Michigan Bank & Trust above, with the address and directions for each.
Is there a Century Bank and Trust in Coldwater, MI?
Yes. FDIC data lists 4 Century Bank and Trust branches in Coldwater as of September 5, 2026, the main office at 100 W Chicago St. Its branches are listed under Century Bank and Trust above, with the address and directions for each.
Is there a Huntington in Coldwater, MI?
Yes. FDIC data lists 2 Huntington branches in Coldwater as of September 5, 2026. Its branches are listed under Huntington above, with the address and directions for each.
Is there a Chase in Coldwater, MI?
No. FDIC data lists no Chase branch in Coldwater as of September 5, 2026. The nearest is in Portage, about 37 miles away in a straight line.
Which banks in Coldwater are open on Saturday?
Huntington, PNC Bank, Consumers Credit Union and Marshall Community Credit Union publish Saturday hours for one or more Coldwater locations. The Saturday section above lists each one with its hours. 10 of the 16 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Coldwater?
Southern Michigan Bank & Trust and Century Bank and Trust have their main office in Coldwater, according to the FDIC.
What is the oldest bank in Coldwater?
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 Coldwater?
Consumers Credit Union, Honor Credit Union, Ignite Credit Union and Marshall Community Credit Union have offices in Coldwater. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Coldwater 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 Coldwater?
Nearby cities with more banks include Bronson, Hillsdale, Marshall. Bronson 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 4 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 (2 of 12 branches: Huntington, PNC Bank) | 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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