US Bank Directory
Banks in Iron Mountain, MI
7 FDIC-insured banks operate 8 offices in Iron Mountain, 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: Iron Mountain
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: 8 banks and credit unions operate 9 locations in Iron Mountain, according to the FDIC and the NCUA. 9 of them have coordinates on record and are on the map. 1 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
9 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 Iron Mountain
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: First National Bank & Trust Co. has the most locations in Iron Mountain, with 2. The other 6 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.
First National Bank & Trust Co. Bank · 2
First National Bank & Trust Co. has 2 branches in Iron Mountain, 7 across Michigan and 7 nationwide. FDIC records list its main office in Iron Mountain, MI and show it operating since 1887. With $386.4 million in total assets on June 30, 2026, it ranks No. 2,123 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Iron Mountain location is its main office at 233 S Stephenson Ave, dating to 1887; the newest, at W 8151 Us 2, to 1977. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office233 S Stephenson Ave, 49801
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South BranchW 8151 Us 2, 49801
First Bank, Upper Michigan Bank · 1
First Bank, Upper Michigan has 1 branch in Iron Mountain, 8 across Michigan and 9 nationwide. FDIC records list its main office in Gladstone, MI and show it operating since 1916. With $629.5 million in total assets on June 30, 2026, it ranks No. 1,507 of 4,232 U.S. banks by total assets. The Iron Mountain Branch at 500 S Stephenson Ave dates to 2004 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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Iron Mountain Branch500 S Stephenson Ave, 49801
Flagstar Bank · 1
Flagstar has 1 branch in Iron Mountain, 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 Iron Mountain Branch at 1805 S Stephenson Ave dates to 1921 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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Iron Mountain Branch1805 S Stephenson Ave, 49801
Forward Financial Credit Union Credit union · 1
Forward Financial Credit Union has 1 office in Iron Mountain, 1 across Michigan. It is based in Niagara, WI and $85.1 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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Iron MountainW8159 S Us Highway 2/141 Ste 3, 49801
All hours
Mon to Fri 8 am to 5 pm; Sat 8 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Huntington Bank · 1
Huntington has 1 branch in Iron Mountain, 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 Iron Mountain Branch at 1000 S Carpenter Ave dates to 1889 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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Iron Mountain Branch1000 S Carpenter Ave, 49802
IncredibleBank Bank · 1
IncredibleBank has 1 branch in Iron Mountain, 6 across Michigan and 19 nationwide. FDIC records list its main office in Wausau, WI and show it operating since 1967. With $2.10 billion in total assets on June 30, 2026, it ranks No. 584 of 4,232 U.S. banks by total assets. The Iron Mountain Branch at 101 W B St dates to 1892 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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Iron Mountain Branch101 W B St, 49801
Northern Interstate Bank, N. A. Bank · 1
Northern Interstate Bank, N. A. has 1 branch in Iron Mountain, 5 across Michigan and 5 nationwide. FDIC records list its main office in Norway, MI and show it operating since 1901. With $193.5 million in total assets on June 30, 2026, it ranks No. 3,033 of 4,232 U.S. banks by total assets. The Iron Mountain Branch at 1917 N Stephenson Ave dates to 2001 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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Iron Mountain Branch1917 N Stephenson Ave, 49801
Upper Peninsula State Bank Bank · 1
Upper Peninsula State Bank has 1 branch in Iron Mountain, 5 across Michigan and 5 nationwide. FDIC records list its main office in Escanaba, MI and show it operating since 1902. With $371.7 million in total assets on June 30, 2026, it ranks No. 2,182 of 4,232 U.S. banks by total assets. The Iron Mountain Branch at 1890 S Stephenson Ave dates to 1995 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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Iron Mountain Branch1890 S Stephenson Ave, 49801
Join a credit union in Iron Mountain
1 credit union has 1 office here: Forward Financial 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 Iron Mountain page has every office in the state's directory.
Banking in Iron Mountain: the local picture
Short answer: 7 banks run 8 branches in Iron Mountain 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 7 banks, 1 has its main office in Iron Mountain, 3 elsewhere in Michigan and 3 out of state, according to the FDIC.
The bank with the longest record here is Huntington, operating since 1866 according to the FDIC. In FDIC branch records, the longest-running branch is First National Bank & Trust Co.'s office at 233 S Stephenson Ave, dating to 1887; the newest is First Bank, Upper Michigan's at 500 S Stephenson Ave, from 2004.
The only credit union with an office here is Forward Financial Credit Union.
Of the 1 location with published hours. 1 opens on Saturday. 8 locations have no published hours in these sources.
Banks by ZIP code in Iron Mountain
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 49801 has the most bank and credit union offices in Iron Mountain (8), followed by 49802 (1). Offices are spread across 2 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 49801 | 8 | 7 | First National Bank & Trust Co., First Bank, Upper Michigan, Flagstar |
| 49802 | 1 | 1 | Huntington |
Credit unions open on Saturday in Iron Mountain
Short answer: 1 of the 1 Iron Mountain location with published hours opens on Saturday, run by 1 institution.
- Forward Financial Credit Union: 1 of 1 office (W8159 S Us Highway 2/141 Ste 3: Saturday 8 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; 8 of the 9 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 Iron Mountain, and where the nearest one is if they do not.
Short answer: In Iron Mountain: Huntington (1). No branches in Iron Mountain: Chase (nearest in Traverse City, 139 mi), Wells Fargo (nearest in Birmingham, 330 mi), Bank of America (nearest in Grand Rapids, 229 mi), PNC Bank (nearest in Manistee, 137 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in Suttons Bay, 130 mi), Regions Bank, TD Bank, BMO.
| Bank | In Iron Mountain | Nearest branch if none here |
|---|---|---|
| Huntington | 1 branch | here |
| Chase | None | Traverse City, 139 miles away |
| Wells Fargo | None | Birmingham, 330 miles away |
| Bank of America | None | Grand Rapids, 229 miles away |
| PNC Bank | None | Manistee, 137 miles away |
| U.S. Bank | None | none in Michigan |
| Truist | None | none in Michigan |
| Fifth Third Bank | None | Suttons Bay, 130 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 Iron Mountain 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 Iron Mountain residents like anyone else.
Banks near Iron Mountain
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Kingsford (1 mile) and Iron River (34 miles). Marquette, 59 miles away, has the most banks nearby: 9.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Kingsford, MI | 1 mi | 3 | 3 |
| Banks in Iron River, MI | 34 mi | 3 | 3 |
| Banks in Stephenson, MI | 35 mi | 2 | 2 |
| Banks in Escanaba, MI | 47 mi | 5 | 6 |
| Banks in Gladstone, MI | 49 mi | 3 | 3 |
| Banks in Ishpeming, MI | 51 mi | 3 | 3 |
| Banks in Menominee, MI | 53 mi | 3 | 3 |
| Banks in Marquette, MI | 59 mi | 9 | 16 |
Bank branch openings and closings in Iron Mountain
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Iron Mountain 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 Iron Mountain
Short answer: 1 institution has its main office in Iron Mountain: First National Bank & Trust Co..
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| First National Bank & Trust Co. | Bank | $386.4 million | 2 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Iron Mountain by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Iron Mountain offices.
Short answer: Huntington is the largest bank with offices in Iron Mountain, with $283.07 billion in total assets on June 30, 2026, No. 15 among U.S. banks by total assets. Flagstar is second with $87.71 billion. 1 of the 7 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 |
| Flagstar | $87.71 billion | No. 36 | 1 | Hicksville, NY |
| IncredibleBank | $2.10 billion | No. 584 | 1 | Wausau, WI |
| First Bank, Upper Michigan | $629.5 million | No. 1,507 | 1 | Gladstone, MI |
| First National Bank & Trust Co. | $386.4 million | No. 2,123 | 2 | Iron Mountain, MI |
| Upper Peninsula State Bank | $371.7 million | No. 2,182 | 1 | Escanaba, MI |
| Northern Interstate Bank, N. A. | $193.5 million | No. 3,033 | 1 | Norway, 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 Iron Mountain: FAQ
How many banks are in Iron Mountain, MI?
Iron Mountain has 7 banks with 8 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 Iron Mountain?
First National Bank & Trust Co., with 2. Huntington has 1 and Flagstar has 1.
Is there a First National Bank & Trust Co. in Iron Mountain, MI?
Yes. FDIC data lists 2 First National Bank & Trust Co. branches in Iron Mountain as of September 5, 2026, the main office at 233 S Stephenson Ave. Its branches are listed under First National Bank & Trust Co. above, with the address and directions for each.
Is there a Huntington in Iron Mountain, MI?
Yes. FDIC data lists 1 Huntington branch in Iron Mountain as of September 5, 2026. The address and directions are under Huntington above.
Is there a Flagstar in Iron Mountain, MI?
Yes. FDIC data lists 1 Flagstar branch in Iron Mountain as of September 5, 2026. The address and directions are under Flagstar above.
Is there a Chase in Iron Mountain, MI?
No. FDIC data lists no Chase branch in Iron Mountain as of September 5, 2026. The nearest is in Traverse City, about 139 miles away in a straight line.
Which banks in Iron Mountain are open on Saturday?
Forward Financial Credit Union publishes Saturday hours for one or more Iron Mountain locations. The Saturday section above lists each one with its hours. 8 of the 9 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Iron Mountain?
First National Bank & Trust Co. has its main office in Iron Mountain, according to the FDIC.
What is the oldest bank in Iron Mountain?
Huntington has the longest record among banks with a branch here: the FDIC shows it operating since 1866.
Which credit unions can I join in Iron Mountain?
Forward Financial Credit Union has an office in Iron Mountain. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Iron Mountain 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 Iron Mountain?
Nearby cities with more banks include Kingsford, Iron River, Stephenson. Kingsford is 1 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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