Banks in Onekama, MI

Bank branch map: Onekama

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: 1 institution operates 1 location in Onekama, according to the FDIC. 1 of them has coordinates on record and is on the map. ATMs and opening hours are not in the sources this page uses yet; each marker links to directions.

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 in Onekama

Sorted by number of local branches. Each branch shows where its hours and phone number come from.

Short answer: West Shore Bank is the only bank with an office in Onekama. Open any bank to see each address, today's hours where the bank publishes them and the phone number.

West Shore Bank 1 branch · main office Ludington, MI Bank · 1

West Shore Bank has 1 branch in Onekama, 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. The Onekama Branch at 4945 Main St dates to 2018 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Onekama Branch

  4945 Main St, 49675

  Hours: see the bank's site
  DirectionsWebsite

West Shore Bank: profile, branches and contacts

Banking in Onekama: the local picture

Short answer: 1 bank runs 1 branch in Onekama according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.

West Shore Bank has its main office in Ludington, MI, according to the FDIC.

The bank with the longest record here is West Shore Bank, operating since 1898 according to the FDIC.

The one location here does not publish hours in the sources this page uses. Each branch links to the bank's own site.

Chase, Bank of America and other national banks

Which big national banks have branches in Onekama, and where the nearest one is if they do not.

Short answer: No branches in Onekama: Chase (nearest in Traverse City, 34 mi), Wells Fargo (nearest in Birmingham, 196 mi), Bank of America (nearest in Grand Rapids, 99 mi), PNC Bank (nearest in Manistee, 10 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in Ludington, 30 mi), Huntington (nearest in Arcadia, 9 mi), Regions Bank, TD Bank, BMO.

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Onekama 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%.

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 Onekama residents like anyone else.

Banks near Onekama

Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.

Short answer: The closest towns with more choice are Manistee (10 miles) and Frankfort (19 miles). Traverse City, 39 miles away, has the most banks nearby: 13.

Bank branch openings and closings in Onekama

FDIC branch records, between September 5, 2025 and September 5, 2026.

Short answer: FDIC branch records show no bank branch openings in Onekama between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.

Largest banks in Onekama by total assets

Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Onekama offices.

Short answer: West Shore Bank is the largest bank with offices in Onekama, with $833.6 million in total assets on June 30, 2026, No. 1,218 among U.S. banks by total assets. Local deposit shares will follow once the FDIC Summary of Deposits is imported.

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 Onekama: FAQ

How we build this page

Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.