US Bank Directory
Banks in Ionia, MI
2 FDIC-insured banks operate 3 offices in Ionia, Michigan, and 3 credit unions have 4 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026.
Bank branch map: Ionia
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 7 locations in Ionia, according to the FDIC and the NCUA. 7 of them have coordinates on record and are on the map. 4 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
7 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 Ionia
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Independent Bank has the most locations in Ionia, with 2. The other 1 has 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.
Independent Bank Bank · 2
Independent Bank has 2 branches in Ionia, 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. In FDIC branch records, its longest-running Ionia location is the Ionia Point Branch at 450 S Dexter St, dating to 2005; the newest, at 230 W Main St, to 2015. It does not publish hours in the sources this page uses; check its site before you go.
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Ionia Main Branch230 W Main St, 48846
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Ionia Point Branch450 S Dexter St, 48846
Michigan One Community Credit Union Credit union · 2
Michigan One Community Credit Union has 2 officees in Ionia, 5 across Michigan. It is based in Ionia, MI and $237.8 million in assets on March 31, 2026, according to its NCUA call report. 1 of its 2 Ionia locations with published hours open on Saturday.
Who can join: see the credit union's site.
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Main Office main office510 S Dexter St, 48846
All hours
Mon to Fri 9 am to 5 pm; Sat closed; Sun not published
Hours: NCUA, March 31, 2026
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South Ionia Office3081 Commerce Ln, 48846
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Adventure Credit Union Credit union · 1
Adventure Credit Union has 1 office in Ionia, 10 across Michigan. It is based in Grand Rapids, MI and $642.0 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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State3062 S State Rd, 48846
All hours
Mon to Tue 9 am to 5 pm; Wed 10 am to 5 pm; Thu to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Mercantile Bank Bank · 1
Mercantile Bank has 1 branch in Ionia, 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 Dexter Drive-In Branch at 202 N Dexter St dates to 1963 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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Dexter Drive-In Branch202 N Dexter St, 48846
Pfcu Credit Union Credit union · 1
Pfcu Credit Union has 1 office in Ionia, 13 across Michigan. It is based in Portland, MI and $858.9 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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Ionia Office4035 S State Rd, 48846
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 5:30 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Ionia
3 credit unions have 4 offices here: Michigan One Community Credit Union, Pfcu Credit Union and Adventure 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 Ionia page has every office in the state's directory.
Banking in Ionia: the local picture
Short answer: 2 banks run 3 branches in Ionia 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 Ionia, 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 Mercantile Bank's office at 202 N Dexter St, dating to 1963; the newest is Independent Bank's at 230 W Main St, from 2015.
3 credit unions have 4 offices in Ionia, according to the NCUA. Who can join each one is on the credit unions page.
Of the 4 locations with published hours. 3 open on Saturday. 3 locations have no published hours in these sources.
Credit unions open on Saturday in Ionia
Short answer: 3 of the 4 Ionia locations with published hours open on Saturday, run by 3 institutions.
- Michigan One Community Credit Union: 1 of 2 offices (3081 Commerce Ln: Saturday 9 am to 12 pm)
- Pfcu Credit Union: 1 of 1 office (4035 S State Rd: Saturday 9 am to 12 pm)
- Adventure Credit Union: 1 of 1 office (3062 S State 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 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 Ionia, and where the nearest one is if they do not.
Short answer: No branches in Ionia: Chase (nearest in Ada, 21 mi), Wells Fargo (nearest in Birmingham, 99 mi), Bank of America (nearest in Grand Rapids, 23 mi), PNC Bank (nearest in Grand Rapids, 24 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in Lowell, 16 mi), Huntington (nearest in Portland, 12 mi), Regions Bank, TD Bank, BMO.
| Bank | In Ionia | Nearest branch if none here |
|---|---|---|
| Chase | None | Ada, 21 miles away |
| Wells Fargo | None | Birmingham, 99 miles away |
| Bank of America | None | Grand Rapids, 23 miles away |
| PNC Bank | None | Grand Rapids, 24 miles away |
| U.S. Bank | None | none in Michigan |
| Truist | None | none in Michigan |
| Fifth Third Bank | None | Lowell, 16 miles away |
| Huntington | None | Portland, 12 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 Ionia 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 Ionia residents like anyone else.
Banks near Ionia
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Portland (12 miles) and Lowell (15 miles). Rockford, 25 miles away, has the most banks nearby: 8.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Portland, MI | 12 mi | 2 | 2 |
| Banks in Lowell, MI | 15 mi | 3 | 11 |
| Banks in Greenville, MI | 17 mi | 4 | 4 |
| Banks in Carson City, MI | 17 mi | 2 | 2 |
| Banks in Ada, MI | 21 mi | 2 | 3 |
| Banks in Stanton, MI | 22 mi | 2 | 2 |
| Banks in Grand Ledge, MI | 24 mi | 3 | 3 |
| Banks in Rockford, MI | 25 mi | 8 | 13 |
Bank branch openings and closings in Ionia
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Ionia 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 Ionia
Short answer: 1 institution has its main office in Ionia: Michigan One Community Credit Union.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| Michigan One Community Credit Union | Credit union | $237.8 million | 2 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Ionia by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Ionia offices.
Short answer: Mercantile Bank is the largest bank with offices in Ionia, 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 | 2 | 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 Ionia: FAQ
How many banks are in Ionia, MI?
Ionia has 2 banks with 3 branches and 3 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 Ionia?
Independent Bank, with 2. Mercantile Bank has 1.
Is there a Independent Bank in Ionia, MI?
Yes. FDIC data lists 2 Independent Bank branches in Ionia as of September 5, 2026. Its branches are listed under Independent Bank above, with the address and directions for each.
Is there a Mercantile Bank in Ionia, MI?
Yes. FDIC data lists 1 Mercantile Bank branch in Ionia as of September 5, 2026. The address and directions are under Mercantile Bank above.
Is there a Chase in Ionia, MI?
No. FDIC data lists no Chase branch in Ionia as of September 5, 2026. The nearest is in Ada, about 21 miles away in a straight line.
Which banks in Ionia are open on Saturday?
Michigan One Community Credit Union, Pfcu Credit Union and Adventure Credit Union publish Saturday hours for one or more Ionia locations. The Saturday section above lists each one with its hours. 3 of the 7 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Ionia?
Michigan One Community Credit Union has its main office in Ionia, according to the FDIC and the NCUA.
What is the oldest bank in Ionia?
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 Ionia?
Michigan One Community Credit Union, Pfcu Credit Union and Adventure Credit Union have offices in Ionia. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Ionia 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 Ionia?
Nearby cities with more banks include Portland, Lowell, Greenville. Portland 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 |
| 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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