US Bank Directory
Banks in Petoskey, MI
7 FDIC-insured banks operate 11 offices in Petoskey, Michigan, and 4 credit unions have 7 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: Petoskey
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: 11 banks and credit unions operate 18 locations in Petoskey, according to the FDIC and the NCUA. 16 of them have coordinates on record and are on the map. 11 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
16 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 Petoskey
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: First Community Bank has the most locations in Petoskey, with 3. It is followed by Fifth Third Bank (2), Huntington (2). 4 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.
First Community Bank Bank · 3
First Community Bank has 3 branches in Petoskey, 10 across Michigan and 10 nationwide. FDIC records list its main office in Harbor Springs, MI and show it operating since 1905. With $413.6 million in total assets on June 30, 2026, it ranks No. 2,035 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Petoskey location is the Petoskey Main Office at 330 E Mitchell St, dating to 1993; the newest, at 930 Spring St, to 2003. It does not publish hours in the sources this page uses; check its site before you go.
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Petoskey Division St Branch2201 E Mitchell Rd, 49770
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Petoskey Main Office330 E Mitchell St, 49770
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Petoskey Spring Street Branch930 Spring St, 49770
St. Francis X Credit Union Credit union · 3
St. Francis X Credit Union has 3 officees in Petoskey, 4 across Michigan. It is based in Petoskey, MI and $263.4 million in assets on March 31, 2026, according to its NCUA call report. All 3 of its Petoskey locations with published hours open on Saturday.
Who can join: see the credit union's site.
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Main Office main office2140 M 119, 49770
All hours
Mon to Tue 7:30 am to 5 pm; Wed 7:30 am to 12 pm; Thu 7:30 am to 5 pm; Fri 7:30 am to 6 pm; Sat 8:30 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
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St Francis X Federal Credit Union1511 Us Highway 131, 49770
All hours
Mon to Tue 7:30 am to 5 pm; Wed 7:30 am to 12 pm; Thu 7:30 am to 5 pm; Fri 7:30 am to 6 pm; Sat 8:30 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
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St. Francis X Federal Credit Union224 State St, 49770
All hours
Mon to Tue 7:30 am to 5 pm; Wed 7:30 am to 12 pm; Thu 7:30 am to 5 pm; Fri 7:30 am to 6 pm; Sat 8:30 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
4front Credit Union Credit union · 2
4front Credit Union has 2 officees in Petoskey, 23 across Michigan. It is based in Traverse City, MI and $1.02 billion in assets on March 31, 2026, according to its NCUA call report. None of its 2 Petoskey locations with published hours lists Saturday hours.
Who can join: see the credit union's site.
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Petoskey South1633 Us Highway 131, 49770
All hours
Mon to Fri 9 am to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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Petoskey North2215 E Mitchell Rd, 49770
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Fifth Third Bank Bank · 2
Fifth Third Bank has 2 branches in Petoskey, 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. In FDIC branch records, its longest-running Petoskey location is the Petoskey Main Office Branch at 300 E Mitchell St, dating to 1891; the newest, at 500 Madison St, to 1960. Its published hours do not list Saturday.
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Petoskey Main Office Branch300 E Mitchell St, 49770
All hours
Mon closed; Tue to Sun not published
Hours: Fifth Third Bank branch locator (All The Places), checked Oct 10, 2026
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Westside Branch500 Madison St, 49770
Huntington Bank · 2
Huntington has 2 branches in Petoskey, 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. In FDIC branch records, its longest-running Petoskey location is the Petoskey Branch at 1368 Sthy 131 S, dating to 1979; the newest, at 406 Bay St, to 2000. 1 of its 2 Petoskey locations with published hours open on Saturday.
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Petoskey Branch1368 Sthy 131 S, 49770
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: Huntington branch locator (All The Places), checked Oct 10, 2026
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Petoskey North Branch406 Bay St, 49770
All hours
Mon to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat to Sun not published
Hours: Huntington branch locator (All The Places), checked Oct 10, 2026
Awakon Credit Union Credit union · 1
Awakon Credit Union has 1 office in Petoskey, 6 across Michigan. It is based in Onaway, MI and $201.9 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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Petoskey Meijer Branch1201 Lears Rd Spc B, 49770
All hours
Mon to Fri 10 am to 6 pm; Sat 9 am to 4 pm; Sun closed
Hours: NCUA, March 31, 2026
Chase Bank · 1
Chase has 1 branch in Petoskey, 171 across Michigan and 5,176 nationwide. FDIC records list its main office in Columbus, OH and show it operating since 1824. With $4.09 trillion in total assets on June 30, 2026, it ranks No. 1 of 4,232 U.S. banks by total assets. The Petoskey Downtown Branch at 320 Howard St dates to 1878 in FDIC branch records. It opens on Saturday.
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Petoskey Downtown Branch320 Howard St, 49770
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published
Hours: Chase branch locator (All The Places), checked Oct 10, 2026
Citizens National Bank of Cheboygan Bank · 1
Citizens National Bank of Cheboygan has 1 branch in Petoskey, 10 across Michigan and 10 nationwide. FDIC records list its main office in Cheboygan, MI and show it operating since 1931. With $471.0 million in total assets on June 30, 2026, it ranks No. 1,864 of 4,232 U.S. banks by total assets. The Petoskey Branch at 324 Michigan Street dates to 2016 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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Petoskey Branch324 Michigan Street, 49770
Nicolet Bank Bank · 1
Nicolet Bank has 1 branch in Petoskey, 15 across Michigan and 119 nationwide. FDIC records list its main office in Green Bay, WI and show it operating since 2000. With $15.39 billion in total assets on June 30, 2026, it ranks No. 126 of 4,232 U.S. banks by total assets. The Petoskey Branch at 318 E Mitchell St dates to 2024 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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Petoskey Branch318 E Mitchell St, 49770
Northland Area Credit Union Credit union · 1
Northland Area Credit Union has 1 office in Petoskey, 17 across Michigan. It is based in Alpena, MI and $708.4 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.
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Petoskey979 Spring St, 49770
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
PNC Bank Bank · 1
PNC Bank has 1 branch in Petoskey, 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 Petoskey Branch at 401 Bay St dates to 1979 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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Petoskey Branch401 Bay St, 49770
Join a credit union in Petoskey
4 credit unions have 7 offices here: St. Francis X Credit Union, 4front Credit Union, Northland Area Credit Union and Awakon 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 Petoskey page has every office in the state's directory.
Banking in Petoskey: the local picture
Short answer: 7 banks run 11 branches in Petoskey 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, 0 have their main office in Petoskey, 2 elsewhere in Michigan and 5 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 Chase's office at 320 Howard St, dating to 1878; the newest is Nicolet Bank's at 318 E Mitchell St, from 2024.
4 credit unions have 7 offices in Petoskey, according to the NCUA. Who can join each one is on the credit unions page.
Of the 11 locations with published hours. 6 open on Saturday. 7 locations have no published hours in these sources.
Banks and credit unions open on Saturday in Petoskey
Short answer: 6 of the 11 Petoskey locations with published hours open on Saturday, run by 4 institutions.
- Huntington: 1 of 2 branches (1368 Sthy 131 S: Saturday 9 am to 12 pm)
- Chase: 1 of 1 branch (320 Howard St: Saturday 9 am to 1 pm)
- St. Francis X Credit Union: 3 of 3 offices (2140 M 119: Saturday 8:30 am to 12 pm, and 2 more)
- Awakon Credit Union: 1 of 1 office (1201 Lears Rd Spc B: Saturday 9 am to 4 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; 7 of the 18 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 Petoskey, and where the nearest one is if they do not.
Short answer: In Petoskey: Chase (1), PNC Bank (1), Fifth Third Bank (2), Huntington (2). No branches in Petoskey: Wells Fargo (nearest in Birmingham, 214 mi), Bank of America (nearest in Grand Rapids, 167 mi), U.S. Bank, Truist, Regions Bank, TD Bank, BMO.
| Bank | In Petoskey | Nearest branch if none here |
|---|---|---|
| Chase | 1 branch | here |
| PNC Bank | 1 branch | here |
| Fifth Third Bank | 2 branches | here |
| Huntington | 2 branches | here |
| Wells Fargo | None | Birmingham, 214 miles away |
| Bank of America | None | Grand Rapids, 167 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 Petoskey 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 Petoskey residents like anyone else.
Banks near Petoskey
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Harbor Springs (4 miles) and Boyne City (12 miles). Gaylord, 28 miles away, has the most banks nearby: 5.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Harbor Springs, MI | 4 mi | 2 | 4 |
| Banks in Boyne City, MI | 12 mi | 3 | 3 |
| Banks in Charlevoix, MI | 15 mi | 3 | 5 |
| Banks in East Jordan, MI | 17 mi | 2 | 2 |
| Banks in Gaylord, MI | 28 mi | 5 | 6 |
| Banks in Cheboygan, MI | 30 mi | 4 | 7 |
| Banks in Bellaire, MI | 30 mi | 2 | 2 |
| Banks in St. Ignace, MI | 36 mi | 2 | 4 |
Bank branch openings and closings in Petoskey
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Petoskey 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 Petoskey
Short answer: 1 institution has its main office in Petoskey: St. Francis X Credit Union.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| St. Francis X Credit Union | Credit union | $263.4 million | 3 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Petoskey by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Petoskey offices.
Short answer: Chase is the largest bank with offices in Petoskey, with $4.09 trillion in total assets on June 30, 2026, No. 1 among U.S. banks by total assets. PNC Bank is second with $609.77 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Chase | $4.09 trillion | No. 1 | 1 | Columbus, OH |
| PNC Bank | $609.77 billion | No. 8 | 1 | Wilmington, DE |
| Fifth Third Bank | $299.18 billion | No. 14 | 2 | Cincinnati, OH |
| Huntington | $283.07 billion | No. 15 | 2 | Columbus, OH |
| Nicolet Bank | $15.39 billion | No. 126 | 1 | Green Bay, WI |
| Citizens National Bank of Cheboygan | $471.0 million | No. 1,864 | 1 | Cheboygan, MI |
| First Community Bank | $413.6 million | No. 2,035 | 3 | Harbor Springs, 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 Petoskey: FAQ
How many banks are in Petoskey, MI?
Petoskey has 7 banks with 11 branches and 4 credit unions with 7 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 Petoskey?
First Community Bank, with 3. Fifth Third Bank has 2 and Huntington has 2.
Is there a First Community Bank in Petoskey, MI?
Yes. FDIC data lists 3 First Community Bank branches in Petoskey as of September 5, 2026. Its branches are listed under First Community Bank above, with the address and directions for each.
Is there a Fifth Third Bank in Petoskey, MI?
Yes. FDIC data lists 2 Fifth Third Bank branches in Petoskey as of September 5, 2026. Its branches are listed under Fifth Third Bank above, with the address and directions for each.
Is there a Huntington in Petoskey, MI?
Yes. FDIC data lists 2 Huntington branches in Petoskey as of September 5, 2026. Its branches are listed under Huntington above, with the address and directions for each.
Is there a Wells Fargo in Petoskey, MI?
No. FDIC data lists no Wells Fargo branch in Petoskey as of September 5, 2026. The nearest is in Birmingham, about 214 miles away in a straight line.
Which banks in Petoskey are open on Saturday?
Huntington, Chase, St. Francis X Credit Union and Awakon Credit Union publish Saturday hours for one or more Petoskey locations. The Saturday section above lists each one with its hours. 7 of the 18 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Petoskey?
St. Francis X Credit Union has its main office in Petoskey, according to the FDIC and the NCUA.
What is the oldest bank in Petoskey?
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 Petoskey?
St. Francis X Credit Union, 4front Credit Union, Northland Area Credit Union and Awakon Credit Union have offices in Petoskey. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Petoskey 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 Petoskey?
Nearby cities with more banks include Harbor Springs, Boyne City, Charlevoix. Harbor Springs is 4 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 5 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 (4 of 11 branches: Chase, Fifth Third Bank, Huntington) | 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 |
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