US Bank Directory
Banks in Howard City, MI
2 FDIC-insured banks operate 2 offices in Howard City, 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.
Bank branch map: Howard City
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: 3 banks and credit unions operate 3 locations in Howard City, according to the FDIC and the NCUA. 3 of them have coordinates on record and are on the map. 1 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
3 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 Howard City
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Mercantile Bank and Independent Bank have the most locations in Howard City, 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.
Community First Credit Union Credit union · 1
Community First Credit Union has 1 office in Howard City, 6 across Michigan. It is based in Lakeview, MI and $146.9 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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Howard City Branch620 W Shaw St, 49329
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Independent Bank Bank · 1
Independent Bank has 1 branch in Howard City, 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 Howard City Branch at 720 W Shaw St dates to 1878 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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Howard City Branch720 W Shaw St, 49329
Mercantile Bank Bank · 1
Mercantile Bank has 1 branch in Howard City, 41 across Michigan and 41 nationwide. FDIC records list its main office in Grand Rapids, MI and show it operating since 1997. With $6.24 billion in total assets on June 30, 2026, it ranks No. 243 of 4,232 U.S. banks by total assets. The Howard City Branch at 830 W Shaw St dates to 1983 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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Howard City Branch830 W Shaw St, 49329
Join a credit union in Howard City
1 credit union has 1 office here: Community First 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 Howard City page has every office in the state's directory.
Banking in Howard City: the local picture
Short answer: 2 banks run 2 branches in Howard City 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 Howard City, 2 elsewhere in Michigan, according to the FDIC.
The bank with the longest record here is Independent Bank, operating since 1890 according to the FDIC. In FDIC branch records, the longest-running branch is Independent Bank's office at 720 W Shaw St, dating to 1878; the newest is Mercantile Bank's at 830 W Shaw St, from 1983.
The only credit union with an office here is Community First Credit Union.
Of the 1 location with published hours. 1 opens on Saturday. 2 locations have no published hours in these sources.
Credit unions open on Saturday in Howard City
Short answer: 1 of the 1 Howard City location with published hours opens on Saturday, run by 1 institution.
- Community First Credit Union: 1 of 1 office (620 W Shaw St: 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; 2 of the 3 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 Howard City, and where the nearest one is if they do not.
Short answer: No branches in Howard City: Chase (nearest in Cedar Springs, 12 mi), Wells Fargo (nearest in Birmingham, 129 mi), Bank of America (nearest in Grand Rapids, 28 mi), PNC Bank (nearest in Rockford, 20 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in Greenville, 18 mi), Huntington (nearest in Trufant, 9 mi), Regions Bank, TD Bank, BMO.
| Bank | In Howard City | Nearest branch if none here |
|---|---|---|
| Chase | None | Cedar Springs, 12 miles away |
| Wells Fargo | None | Birmingham, 129 miles away |
| Bank of America | None | Grand Rapids, 28 miles away |
| PNC Bank | None | Rockford, 20 miles away |
| U.S. Bank | None | none in Michigan |
| Truist | None | none in Michigan |
| Fifth Third Bank | None | Greenville, 18 miles away |
| Huntington | None | Trufant, 9 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 Howard City 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 Howard City residents like anyone else.
Banks near Howard City
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Cedar Springs (13 miles) and Newaygo (16 miles). Rockford, 20 miles away, has the most banks nearby: 8.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Cedar Springs, MI | 13 mi | 3 | 3 |
| Banks in Newaygo, MI | 16 mi | 2 | 2 |
| Banks in Greenville, MI | 18 mi | 4 | 4 |
| Banks in Rockford, MI | 20 mi | 8 | 13 |
| Banks in Sparta, MI | 20 mi | 2 | 3 |
| Banks in Stanton, MI | 21 mi | 2 | 2 |
| Banks in Big Rapids, MI | 21 mi | 7 | 14 |
| Banks in Remus, MI | 22 mi | 2 | 2 |
Bank branch openings and closings in Howard City
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Howard City between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Howard City by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Howard City offices.
Short answer: Mercantile Bank is the largest bank with offices in Howard City, with $6.24 billion in total assets on June 30, 2026, No. 243 among U.S. banks by total assets. Independent Bank is second with $5.66 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Mercantile Bank | $6.24 billion | No. 243 | 1 | Grand Rapids, MI |
| Independent Bank | $5.66 billion | No. 260 | 1 | Grand Rapids, 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 Howard City: FAQ
How many banks are in Howard City, MI?
Howard City has 2 banks with 2 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 Howard City?
Mercantile Bank, with 1. Independent Bank has 1.
Is there a Mercantile Bank in Howard City, MI?
Yes. FDIC data lists 1 Mercantile Bank branch in Howard City as of September 5, 2026. The address and directions are under Mercantile Bank above.
Is there a Independent Bank in Howard City, MI?
Yes. FDIC data lists 1 Independent Bank branch in Howard City as of September 5, 2026. The address and directions are under Independent Bank above.
Is there a Chase in Howard City, MI?
No. FDIC data lists no Chase branch in Howard City as of September 5, 2026. The nearest is in Cedar Springs, about 12 miles away in a straight line.
Which banks in Howard City are open on Saturday?
Community First Credit Union publishes Saturday hours for one or more Howard City locations. The Saturday section above lists each one with its hours. 2 of the 3 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Howard City?
Independent Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1890.
Which credit unions can I join in Howard City?
Community First Credit Union has an office in Howard City. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Howard City 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 Howard City?
Nearby cities with more banks include Cedar Springs, Newaygo, Greenville. Cedar Springs is 13 miles away with 3 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 |
| 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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