US Bank Directory
Banks in Indian River, MI
1 FDIC-insured bank operates 1 office in Indian River, 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: Indian River
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 Indian River, according to the FDIC and the NCUA. 3 of them have coordinates on record and are on the map. 2 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 Indian River
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Citizens National Bank of Cheboygan is the only bank with an office in Indian River. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
Awakon Credit Union Credit union · 1
Awakon Credit Union has 1 office in Indian River, 6 across Michigan. It is based in Onaway, MI and $201.9 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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Awakon Federal Credit Union6272 M-68 Hwy, 49749
All hours
Mon to Thu 9 am to 4:30 pm; Fri 9 am to 6 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Citizens National Bank of Cheboygan Bank · 1
Citizens National Bank of Cheboygan has 1 branch in Indian River, 10 across Michigan and 10 nationwide. FDIC records list its main office in Cheboygan, MI and show it operating since 1931. With $471.0 million in total assets on June 30, 2026, it ranks No. 1,864 of 4,232 U.S. banks by total assets. The The Indian River Branch at 3990 S Straits Hwy dates to 1980 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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The Indian River Branch3990 S Straits Hwy, 49749
Straits Area Credit Union Credit union · 1
Straits Area Credit Union has 1 office in Indian River, 4 across Michigan. It is based in Cheboygan, MI and $130.5 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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Branch Office6090 M 68 Hwy, 49749
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Indian River
2 credit unions have 2 offices here: Awakon Credit Union and Straits Area 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 Indian River page has every office in the state's directory.
Banking in Indian River: the local picture
Short answer: 1 bank runs 1 branch in Indian River according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Citizens National Bank of Cheboygan has its main office in Cheboygan, MI, according to the FDIC.
The bank with the longest record here is Citizens National Bank of Cheboygan, operating since 1931 according to the FDIC.
2 credit unions have 2 offices in Indian River, 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. 1 location has no published hours in these sources.
Credit unions open on Saturday in Indian River
Short answer: 2 of the 2 Indian River locations with published hours open on Saturday, run by 2 institutions.
- Awakon Credit Union: 1 of 1 office (6272 M-68 Hwy: Saturday 9 am to 12 pm)
- Straits Area Credit Union: 1 of 1 office (6090 M 68 Hwy: 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; 1 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 Indian River, and where the nearest one is if they do not.
Short answer: No branches in Indian River: Chase (nearest in Petoskey, 17 mi), Wells Fargo (nearest in Birmingham, 210 mi), Bank of America (nearest in Grand Rapids, 173 mi), PNC Bank (nearest in Petoskey, 17 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in Petoskey, 17 mi), Huntington (nearest in Petoskey, 17 mi), Regions Bank, TD Bank, BMO.
| Bank | In Indian River | Nearest branch if none here |
|---|---|---|
| Chase | None | Petoskey, 17 miles away |
| Wells Fargo | None | Birmingham, 210 miles away |
| Bank of America | None | Grand Rapids, 173 miles away |
| PNC Bank | None | Petoskey, 17 miles away |
| U.S. Bank | None | none in Michigan |
| Truist | None | none in Michigan |
| Fifth Third Bank | None | Petoskey, 17 miles away |
| Huntington | None | Petoskey, 17 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 Indian River 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 Indian River residents like anyone else.
Banks near Indian River
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Petoskey (17 miles) and Harbor Springs (17 miles). Petoskey, 17 miles away, has the most banks nearby: 7.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Petoskey, MI | 17 mi | 7 | 11 |
| Banks in Harbor Springs, MI | 17 mi | 2 | 4 |
| Banks in Cheboygan, MI | 18 mi | 4 | 7 |
| Banks in Boyne City, MI | 23 mi | 3 | 3 |
| Banks in Gaylord, MI | 27 mi | 5 | 6 |
| Banks in East Jordan, MI | 30 mi | 2 | 2 |
| Banks in Mackinac Island, MI | 31 mi | 2 | 2 |
| Banks in Charlevoix, MI | 32 mi | 3 | 5 |
Bank branch openings and closings in Indian River
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Indian River between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Indian River by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Indian River offices.
Short answer: Citizens National Bank of Cheboygan is the largest bank with offices in Indian River, with $471.0 million in total assets on June 30, 2026, No. 1,864 among U.S. banks by total assets. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Citizens National Bank of Cheboygan | $471.0 million | No. 1,864 | 1 | Cheboygan, 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 Indian River: FAQ
How many banks are in Indian River, MI?
Indian River has 1 bank with 1 branch and 2 credit unions with 2 offices, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Is there a Citizens National Bank of Cheboygan in Indian River, MI?
Yes. FDIC data lists 1 Citizens National Bank of Cheboygan branch in Indian River as of September 5, 2026. The address and directions are under Citizens National Bank of Cheboygan above.
Is there a Chase in Indian River, MI?
No. FDIC data lists no Chase branch in Indian River as of September 5, 2026. The nearest is in Petoskey, about 17 miles away in a straight line.
Which banks in Indian River are open on Saturday?
Awakon Credit Union and Straits Area Credit Union publish Saturday hours for one or more Indian River locations. The Saturday section above lists each one with its hours. 1 of the 3 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Indian River?
Citizens National Bank of Cheboygan has the longest record among banks with a branch here: the FDIC shows it operating since 1931.
Which credit unions can I join in Indian River?
Awakon Credit Union and Straits Area Credit Union have offices in Indian River. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Indian River 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 Indian River?
Nearby cities with more banks include Petoskey, Harbor Springs, Cheboygan. Petoskey is 17 miles away with 7 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 |
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