US Bank Directory
Banks in Ludington, MI
5 FDIC-insured banks operate 5 offices in Ludington, Michigan, and 3 credit unions have 3 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: Ludington
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 8 locations in Ludington, according to the FDIC and the NCUA. 8 of them have coordinates on record and are on the map. 6 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
8 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 Ludington
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: 5 banks share the most locations in Ludington, with 1 each. 5 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.
Fifth Third Bank Bank · 1
Fifth Third Bank has 1 branch in Ludington, 308 across Michigan and 1,508 nationwide. FDIC records list its main office in Cincinnati, OH and show it operating since 1865. With $299.18 billion in total assets on June 30, 2026, it ranks No. 14 of 4,232 U.S. banks by total assets. The Ludington at 5870 W Us Highway 10 dates to 1967 in FDIC branch records. It opens on Saturday.
-
Ludington5870 W Us Highway 10, 49431
All hours
Mon closed; Tue to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 12 pm; Sun closed
Hours: Fifth Third Bank branch locator (All The Places), checked Oct 10, 2026
Filer Credit Union Credit union · 1
Filer Credit Union has 1 office in Ludington, 4 across Michigan. It is based in Manistee, MI and $258.5 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.
-
Ludington3880 W Us Highway 10, 49431
All hours
Mon to Thu 9 am to 5 pm; Fri 8:30 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Huntington Bank · 1
Huntington has 1 branch in Ludington, 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 Ludington Downtown at 101 E Court St dates to 1991 in FDIC branch records. Its published hours do not list Saturday.
-
Ludington Downtown101 E Court St, 49431
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: Huntington branch locator (All The Places), checked Oct 10, 2026
PNC Bank Bank · 1
PNC Bank has 1 branch in Ludington, 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 Ludington Plaza Branch at 4566 W Us Highway 10 dates to 1972 in FDIC branch records. It opens on Saturday.
-
Ludington Plaza Branch4566 W Us Highway 10, 49431
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
Preferred Credit Union Credit union · 1
Preferred Credit Union has 1 office in Ludington, 6 across Michigan. It is based in Grand Rapids, MI and $317.9 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.
-
Ludington266 N Jebavy Dr, 49431
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Safe Harbor Credit Union Credit union · 1
Safe Harbor Credit Union has 1 office in Ludington, 1 across Michigan. It is based in Ludington, MI and $181.7 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.
-
Main Office main office5511 W Us Highway 10, 49431
All hours
Mon to Thu 8:30 am to 5 pm; Fri 8:30 am to 6 pm; Sat 8:30 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
The Shelby State Bank Bank · 1
The Shelby State Bank has 1 branch in Ludington, 9 across Michigan and 9 nationwide. FDIC records list its main office in Shelby, MI and show it operating since 1910. With $397.0 million in total assets on June 30, 2026, it ranks No. 2,078 of 4,232 U.S. banks by total assets. The Ludington Branch at 30 N Meyers Rd dates to 2008 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Ludington Branch30 N Meyers Rd, 49431
West Shore Bank Bank · 1
West Shore Bank has 1 branch in Ludington, 9 across Michigan and 9 nationwide. FDIC records list its main office in Ludington, MI and show it operating since 1898. With $833.6 million in total assets on June 30, 2026, it ranks No. 1,218 of 4,232 U.S. banks by total assets. Its main office at 201 W Loomis St dates to 1898 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Main Office main office201 W Loomis St, 49431
Join a credit union in Ludington
3 credit unions have 3 offices here: Preferred Credit Union, Filer Credit Union and Safe Harbor 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 Ludington page has every office in the state's directory.
Banking in Ludington: the local picture
Short answer: 5 banks run 5 branches in Ludington 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, 1 has its main office in Ludington, 1 elsewhere in Michigan 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 West Shore Bank's office at 201 W Loomis St, dating to 1898; the newest is The Shelby State Bank's at 30 N Meyers Rd, from 2008.
3 credit unions have 3 offices in Ludington, 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. 2 locations have no published hours in these sources.
Banks and credit unions open on Saturday in Ludington
Short answer: 4 of the 6 Ludington locations with published hours open on Saturday, run by 4 institutions.
- PNC Bank: 1 of 1 branch (4566 W Us Highway 10: Saturday 9 am to 1 pm)
- Fifth Third Bank: 1 of 1 branch (5870 W Us Highway 10: Saturday 9 am to 12 pm)
- Preferred Credit Union: 1 of 1 office (266 N Jebavy Dr: Saturday 9 am to 12 pm)
- Safe Harbor Credit Union: 1 of 1 office (5511 W Us Highway 10: Saturday 8:30 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 8 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 Ludington, and where the nearest one is if they do not.
Short answer: In Ludington: PNC Bank (1), Fifth Third Bank (1), Huntington (1). No branches in Ludington: Chase (nearest in Muskegon, 53 mi), Wells Fargo (nearest in Birmingham, 189 mi), Bank of America (nearest in Grand Rapids, 78 mi), U.S. Bank, Truist, Regions Bank, TD Bank, BMO.
| Bank | In Ludington | Nearest branch if none here |
|---|---|---|
| PNC Bank | 1 branch | here |
| Fifth Third Bank | 1 branch | here |
| Huntington | 1 branch | here |
| Chase | None | Muskegon, 53 miles away |
| Wells Fargo | None | Birmingham, 189 miles away |
| Bank of America | None | Grand Rapids, 78 miles away |
| U.S. Bank | None | none in Michigan |
| Truist | None | none in Michigan |
| 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 Ludington 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 Ludington residents like anyone else.
Banks near Ludington
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Hart (18 miles) and Manistee (21 miles). Big Rapids, 50 miles away, has the most banks nearby: 7.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Hart, MI | 18 mi | 4 | 9 |
| Banks in Manistee, MI | 21 mi | 3 | 15 |
| Banks in Fremont, MI | 41 mi | 4 | 5 |
| Banks in Reed City, MI | 46 mi | 2 | 5 |
| Banks in Frankfort, MI | 48 mi | 2 | 2 |
| Banks in North Muskegon, MI | 48 mi | 3 | 5 |
| Banks in Newaygo, MI | 49 mi | 2 | 2 |
| Banks in Big Rapids, MI | 50 mi | 7 | 14 |
Bank branch openings and closings in Ludington
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Ludington 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 Ludington
Short answer: 2 institutions have their main office in Ludington: West Shore Bank and Safe Harbor Credit Union.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| West Shore Bank | Bank | $833.6 million | 1 |
| Safe Harbor Credit Union | Credit union | $181.7 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Ludington by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Ludington offices.
Short answer: PNC Bank is the largest bank with offices in Ludington, with $609.77 billion in total assets on June 30, 2026, No. 8 among U.S. banks by total assets. Fifth Third Bank is second with $299.18 billion. 1 of the 5 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 |
|---|---|---|---|---|
| PNC Bank | $609.77 billion | No. 8 | 1 | Wilmington, DE |
| Fifth Third Bank | $299.18 billion | No. 14 | 1 | Cincinnati, OH |
| Huntington | $283.07 billion | No. 15 | 1 | Columbus, OH |
| West Shore Bank | $833.6 million | No. 1,218 | 1 | Ludington, MI |
| The Shelby State Bank | $397.0 million | No. 2,078 | 1 | Shelby, 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 Ludington: FAQ
How many banks are in Ludington, MI?
Ludington has 5 banks with 5 branches and 3 credit unions with 3 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 Ludington?
PNC Bank, with 1. Fifth Third Bank has 1 and Huntington has 1.
Is there a PNC Bank in Ludington, MI?
Yes. FDIC data lists 1 PNC Bank branch in Ludington as of September 5, 2026. The address and directions are under PNC Bank above.
Is there a Fifth Third Bank in Ludington, MI?
Yes. FDIC data lists 1 Fifth Third Bank branch in Ludington as of September 5, 2026. The address and directions are under Fifth Third Bank above.
Is there a Huntington in Ludington, MI?
Yes. FDIC data lists 1 Huntington branch in Ludington as of September 5, 2026. The address and directions are under Huntington above.
Is there a Chase in Ludington, MI?
No. FDIC data lists no Chase branch in Ludington as of September 5, 2026. The nearest is in Muskegon, about 53 miles away in a straight line.
Which banks in Ludington are open on Saturday?
PNC Bank, Fifth Third Bank, Preferred Credit Union and Safe Harbor Credit Union publish Saturday hours for one or more Ludington locations. The Saturday section above lists each one with its hours. 2 of the 8 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Ludington?
West Shore Bank and Safe Harbor Credit Union have their main office in Ludington, according to the FDIC and the NCUA.
What is the oldest bank in Ludington?
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 Ludington?
Preferred Credit Union, Filer Credit Union and Safe Harbor Credit Union have offices in Ludington. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Ludington 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 Ludington?
Nearby cities with more banks include Hart, Manistee, Fremont. Hart is 18 miles away with 4 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 3 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 (3 of 5 branches: Fifth Third Bank, 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 |
See your odds before you apply
Banrox shows how likely a card or loan is for your profile, from your own data, without a hard pull. Platform live; card in early access; no card issued.
Check your odds