US Bank Directory
Banks in Reed City, MI
2 FDIC-insured banks operate 5 offices in Reed City, Michigan, and 2 credit unions have 2 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: Reed City
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: 4 banks and credit unions operate 7 locations in Reed City, according to the FDIC and the NCUA. 7 of them have coordinates on record and are on the map. 3 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
7 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 Reed City
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Huntington has the most locations in Reed City, with 4. The other 1 has 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.
Huntington Bank · 4
Huntington has 4 branches in Reed City, 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 Reed City Branch at 214 W Upton Ave dates to 1934 in FDIC branch records. It opens on Saturday.
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Main Branch214 W Upton Ave, 49677
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Main Branch214 W Upton Ave, 49677
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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Main Branch214 W Upton Ave, 49677
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Reed City Branch214 W Upton Ave, 49677
Lake-Osceola State Bank Bank · 1
Lake-Osceola State Bank has 1 branch in Reed City, 13 across Michigan and 13 nationwide. FDIC records list its main office in Baldwin, MI and show it operating since 1908. With $469.4 million in total assets on June 30, 2026, it ranks No. 1,870 of 4,232 U.S. banks by total assets. The Reed City Branch at 217 South Chesnut Street dates to 1999 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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Reed City Branch217 South Chesnut Street, 49677
Northland Area Credit Union Credit union · 1
Northland Area Credit Union has 1 office in Reed City, 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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Reed City840 S Chestnut St, 49677
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
Wmcu Credit Union Credit union · 1
Wmcu Credit Union has 1 office in Reed City, 14 across Michigan. It is based in Grand Rapids, MI and $449.2 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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Reed City4795 220Th Avenue, 49677
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Reed City
2 credit unions have 2 offices here: Northland Area Credit Union and Wmcu 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 Reed City page has every office in the state's directory.
Banking in Reed City: the local picture
Short answer: 2 banks run 5 branches in Reed City 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 Reed City, 1 elsewhere in Michigan and 1 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 Huntington's office at 214 W Upton Ave, dating to 1934; the newest is Lake-Osceola State Bank's at 217 South Chesnut Street, from 1999.
2 credit unions have 2 offices in Reed City, according to the NCUA. Who can join each one is on the credit unions page.
Of the 3 locations with published hours. 2 open on Saturday. 4 locations have no published hours in these sources.
Banks and credit unions open on Saturday in Reed City
Short answer: 2 of the 3 Reed City locations with published hours open on Saturday, run by 2 institutions.
- Huntington: 1 of 4 branches (214 W Upton Ave: Saturday 9 am to 12 pm)
- Wmcu Credit Union: 1 of 1 office (4795 220Th Avenue: Saturday 9 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; 4 of the 7 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 Reed City, and where the nearest one is if they do not.
Short answer: In Reed City: Huntington (4). No branches in Reed City: Chase (nearest in Cedar Springs, 45 mi), Wells Fargo (nearest in Birmingham, 148 mi), Bank of America (nearest in Grand Rapids, 60 mi), PNC Bank (nearest in Big Rapids, 13 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in Big Rapids, 12 mi), Regions Bank, TD Bank, BMO.
| Bank | In Reed City | Nearest branch if none here |
|---|---|---|
| Huntington | 4 branches | here |
| Chase | None | Cedar Springs, 45 miles away |
| Wells Fargo | None | Birmingham, 148 miles away |
| Bank of America | None | Grand Rapids, 60 miles away |
| PNC Bank | None | Big Rapids, 13 miles away |
| U.S. Bank | None | none in Michigan |
| Truist | None | none in Michigan |
| Fifth Third Bank | None | Big Rapids, 12 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 Reed City 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 Reed City residents like anyone else.
Banks near Reed City
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Big Rapids (12 miles) and Evart (12 miles). Big Rapids, 12 miles away, has the most banks nearby: 7.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Big Rapids, MI | 12 mi | 7 | 14 |
| Banks in Evart, MI | 12 mi | 2 | 2 |
| Banks in Remus, MI | 27 mi | 2 | 2 |
| Banks in Cadillac, MI | 27 mi | 4 | 8 |
| Banks in Howard City, MI | 33 mi | 2 | 2 |
| Banks in Newaygo, MI | 35 mi | 2 | 2 |
| Banks in Fremont, MI | 36 mi | 4 | 5 |
| Banks in Clare, MI | 37 mi | 3 | 4 |
Bank branch openings and closings in Reed City
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Reed City between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Reed City by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Reed City offices.
Short answer: Huntington is the largest bank with offices in Reed City, with $283.07 billion in total assets on June 30, 2026, No. 15 among U.S. banks by total assets. Lake-Osceola State Bank is second with $469.4 million. 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 | 4 | Columbus, OH |
| Lake-Osceola State Bank | $469.4 million | No. 1,870 | 1 | Baldwin, 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 Reed City: FAQ
How many banks are in Reed City, MI?
Reed City has 2 banks with 5 branches and 2 credit unions with 2 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 Reed City?
Huntington, with 4. Lake-Osceola State Bank has 1.
Is there a Huntington in Reed City, MI?
Yes. FDIC data lists 4 Huntington branches in Reed City as of September 5, 2026. Its branches are listed under Huntington above, with the address and directions for each.
Is there a Lake-Osceola State Bank in Reed City, MI?
Yes. FDIC data lists 1 Lake-Osceola State Bank branch in Reed City as of September 5, 2026. The address and directions are under Lake-Osceola State Bank above.
Is there a Chase in Reed City, MI?
No. FDIC data lists no Chase branch in Reed City as of September 5, 2026. The nearest is in Cedar Springs, about 45 miles away in a straight line.
Which banks in Reed City are open on Saturday?
Huntington and Wmcu Credit Union publish Saturday hours for one or more Reed City locations. The Saturday section above lists each one with its hours. 4 of the 7 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Reed City?
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 Reed City?
Northland Area Credit Union and Wmcu Credit Union have offices in Reed City. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Reed City 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 Reed City?
Nearby cities with more banks include Big Rapids, Evart, Remus. Big Rapids is 12 miles away with 7 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 2 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 (1 of 5 branches: 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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