Banks in Ontonagon, MI

Bank branch map: Ontonagon

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 Ontonagon, according to the FDIC and the NCUA. 3 of them have coordinates on record and are on the map. 1 publish opening hours.

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 Ontonagon

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

Short answer: Citizens State Bank and The Miners State Bank have the most locations in Ontonagon, with 1 each. 2 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.

Citizens State Bank 1 branch · main office Royal Oak, MI Bank · 1

Citizens State Bank has 1 branch in Ontonagon, 3 across Michigan and 3 nationwide. FDIC records list its main office in Royal Oak, MI and show it operating since 1910. With $581.0 million in total assets on June 30, 2026, it ranks No. 1,605 of 4,232 U.S. banks by total assets. The Ontonagon Branch at 501 River Street dates to 2021 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Ontonagon Branch

  501 River Street, 49953

  Hours: see the bank's site
  DirectionsWebsite

Citizens State Bank: profile, branches and contacts

Lake Superior Credit Union 1 office · main office Ontonagon, MI Credit union · 1

Lake Superior Credit Union has 1 office in Ontonagon, 1 across Michigan. It is based in Ontonagon, MI and $10.9 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.

• Main Office main office

  801 River St, 49953

  (906) 884-2069Today 9 am to 4 pm

  All hours

  Mon to Fri 9 am to 4 pm; Sat to Sun not published

  Hours: NCUA, March 31, 2026

  Directions

Lake Superior Credit Union: profile, branches and contacts

The Miners State Bank 1 branch · main office Iron River, MI Bank · 1

The Miners State Bank has 1 branch in Ontonagon, 6 across Michigan and 6 nationwide. FDIC records list its main office in Iron River, MI and show it operating since 1932. With $134.8 million in total assets on June 30, 2026, it ranks No. 3,445 of 4,232 U.S. banks by total assets. The Ontonagon at 601 River St dates to 1934 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Ontonagon

  601 River St, 49953

  Hours: see the bank's site
  DirectionsWebsite

The Miners State Bank: profile, branches and contacts

Join a credit union in Ontonagon

1 credit union has 1 office here: Lake Superior 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 Ontonagon page has every office in the state's directory.

Banking in Ontonagon: the local picture

Short answer: 2 banks run 2 branches in Ontonagon 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 Ontonagon, 2 elsewhere in Michigan, according to the FDIC.

The bank with the longest record here is Citizens State Bank, operating since 1910 according to the FDIC. In FDIC branch records, the longest-running branch is The Miners State Bank's office at 601 River St, dating to 1934; the newest is Citizens State Bank's at 501 River Street, from 2021.

The only credit union with an office here is Lake Superior Credit Union.

Of the 1 location with published hours. None open on Saturday. 2 locations have no published hours in these sources.

Saturday hours in Ontonagon

Short answer: None of the 1 Ontonagon location with published hours lists Saturday hours. 2 locations do not publish hours in these sources; call ahead.

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 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 Ontonagon, and where the nearest one is if they do not.

Short answer: No branches in Ontonagon: Chase (nearest in Harbor Springs, 230 mi), Wells Fargo (nearest in Birmingham, 424 mi), Bank of America (nearest in Grand Rapids, 323 mi), PNC Bank (nearest in Traverse City, 232 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in Suttons Bay, 220 mi), Huntington (nearest in Hancock, 39 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 Ontonagon 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 Ontonagon residents like anyone else.

Banks near Ontonagon

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

Short answer: The closest towns with more choice are Houghton (39 miles) and Hancock (39 miles). Marquette, 93 miles away, has the most banks nearby: 9.

Bank branch openings and closings in Ontonagon

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

Short answer: FDIC branch records show no bank branch openings in Ontonagon 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 Ontonagon

Short answer: 1 institution has its main office in Ontonagon: Lake Superior Credit Union.

Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.

Largest banks in Ontonagon by total assets

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

Short answer: Citizens State Bank is the largest bank with offices in Ontonagon, with $581.0 million in total assets on June 30, 2026, No. 1,605 among U.S. banks by total assets. The Miners State Bank is second with $134.8 million. 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 Ontonagon: FAQ

How we build this page

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