US Bank Directory
Banks in Saint Joseph, MI
7 FDIC-insured banks operate 12 offices in Saint Joseph, Michigan, and 2 credit unions have 4 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: Saint Joseph
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: 9 banks and credit unions operate 16 locations in Saint Joseph, according to the FDIC and the NCUA. 15 of them have coordinates on record and are on the map. 6 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
15 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 Saint Joseph
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: 1st Source Bank has the most locations in Saint Joseph, with 3. It is followed by Huntington (2), Horizon Bank (2), Sturgis Bank (2). 3 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.
1st Source Bank Bank · 3
1st Source Bank has 3 branches in Saint Joseph, 8 across Michigan and 81 nationwide. FDIC records list its main office in South Bend, IN and show it operating since 1922. With $9.26 billion in total assets on June 30, 2026, it ranks No. 172 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Saint Joseph location is the St Joseph Lakeshore Branch at 4009 Red Arrow Hwy, dating to 1973; the newest, at 1600 Hilltop Rd, to 1997. It does not publish hours in the sources this page uses; check its site before you go.
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St Joseph Hilltop Branch1600 Hilltop Rd, 49085
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St Joseph Lakeshore Branch4009 Red Arrow Hwy, 49085
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St Joseph Downtown Branch715 Ship St, 49085
United Credit Union Credit union · 3
United Credit Union has 3 officees in Saint Joseph, 17 across Michigan. It is based in St Joseph, MI and $4.40 billion in assets on March 31, 2026, according to its NCUA call report. 1 of its 2 Saint Joseph locations with published hours open on Saturday.
Who can join: see the credit union's site.
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Main Office main office150 Hilltop Rd, 49085
All hours
Mon to Fri 8:30 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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St Joseph Loan Office1111 Main St Ste B, 49085
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State Street St Joseph - Branch 222819 S State St, 49085
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 5:30 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Horizon Bank Bank · 2
Horizon Bank has 2 branches in Saint Joseph, 29 across Michigan and 79 nationwide. FDIC records list its main office in Michigan City, IN and show it operating since 1873. With $6.55 billion in total assets on June 30, 2026, it ranks No. 237 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Saint Joseph location is the St. Joseph Branch at 811 Ship St, dating to 2003; the newest, at 2608 Niles Rd, to 2004. It does not publish hours in the sources this page uses; check its site before you go.
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Niles Road Branch2608 Niles Rd, 49085
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St. Joseph Branch811 Ship St, 49085
Huntington Bank · 2
Huntington has 2 branches in Saint Joseph, 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 Saint Joseph location is the Saint Joseph Court Place Branch at 720 Pleasant St, dating to 1989; the newest, at 2017 Niles Rd, to 1996. Its published hours do not list Saturday.
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Saint Joseph Southtown Remote Drive Thru Branch2017 Niles Rd, 49085
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Saint Joseph Court Place Branch720 Pleasant St, 49085
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
Sturgis Bank Bank · 2
Sturgis Bank has 2 branches in Saint Joseph, 17 across Michigan and 17 nationwide. FDIC records list its main office in Sturgis, MI and show it operating since 1905. With $1.03 billion in total assets on June 30, 2026, it ranks No. 1,026 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Saint Joseph location is the St Joseph Banking Center Branch at 320 Main St, dating to 2020; the newest, at 3125 Cleveland Ave, to 2021. It does not publish hours in the sources this page uses; check its site before you go.
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Sturgis Bank & Trust Company Branch3125 Cleveland Ave, 49085
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St Joseph Banking Center Branch320 Main St, 49085
Chase Bank · 1
Chase has 1 branch in Saint Joseph, 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 Hilltop Branch at 1310 Hilltop Rd dates to 1970 in FDIC branch records. It opens on Saturday.
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Hilltop Branch1310 Hilltop Rd, 49085
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
Fifth Third Bank Bank · 1
Fifth Third Bank has 1 branch in Saint Joseph, 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 St. Joseph South Branch at 2915 S State St dates to 1963 in FDIC branch records. It opens on Saturday.
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St. Joseph South Branch2915 S State St, 49085
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
Flagstar Bank · 1
Flagstar has 1 branch in Saint Joseph, 101 across Michigan and 345 nationwide. FDIC records list its main office in Hicksville, NY and show it operating since 1987. With $87.71 billion in total assets on June 30, 2026, it ranks No. 36 of 4,232 U.S. banks by total assets. The St. Joseph Banking Center at 2829 Niles Ave dates to 2002 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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St. Joseph Banking Center2829 Niles Ave, 49085
Honor Credit Union Credit union · 1
Honor Credit Union has 1 office in Saint Joseph, 28 across Michigan. It is based in Berrien Springs, MI and $1.86 billion 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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Honor Credit Union2712 Niles Ave, 49085
All hours
Mon to Tue 9 am to 5 pm; Wed 10 am to 5 pm; Thu 9 am to 5 pm; Fri 9 am to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Saint Joseph
2 credit unions have 4 offices here: United Credit Union and Honor 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 Saint Joseph page has every office in the state's directory.
Banking in Saint Joseph: the local picture
Short answer: 7 banks run 12 branches in Saint Joseph 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 Saint Joseph, 1 elsewhere in Michigan and 6 out of state, according to the FDIC.
The bank with the longest record here is Chase, operating since 1824 according to the FDIC. In FDIC branch records, the longest-running branch is Fifth Third Bank's office at 2915 S State St, dating to 1963; the newest is Sturgis Bank's at 3125 Cleveland Ave, from 2021.
2 credit unions have 4 offices in Saint Joseph, according to the NCUA. Who can join each one is on the credit unions page.
Of the 6 locations with published hours. 3 open on Saturday. 10 locations have no published hours in these sources.
Banks and credit unions open on Saturday in Saint Joseph
Short answer: 3 of the 6 Saint Joseph locations with published hours open on Saturday, run by 3 institutions.
- Chase: 1 of 1 branch (1310 Hilltop Rd: Saturday 9 am to 1 pm)
- Fifth Third Bank: 1 of 1 branch (2915 S State St: Saturday 9 am to 12 pm)
- United Credit Union: 1 of 3 offices (2819 S State St: 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; 10 of the 16 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 Saint Joseph, and where the nearest one is if they do not.
Short answer: In Saint Joseph: Chase (1), Fifth Third Bank (1), Huntington (2). No branches in Saint Joseph: Wells Fargo (nearest in Birmingham, 170 mi), Bank of America (nearest in Grandville, 66 mi), PNC Bank (nearest in Paw Paw, 32 mi), U.S. Bank, Truist, Regions Bank, TD Bank, BMO.
| Bank | In Saint Joseph | Nearest branch if none here |
|---|---|---|
| Chase | 1 branch | here |
| Fifth Third Bank | 1 branch | here |
| Huntington | 2 branches | here |
| Wells Fargo | None | Birmingham, 170 miles away |
| Bank of America | None | Grandville, 66 miles away |
| PNC Bank | None | Paw Paw, 32 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 Saint Joseph 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 Saint Joseph residents like anyone else.
Banks near Saint Joseph
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Benton Harbor (3 miles) and Stevensville (5 miles). Niles, 22 miles away, has the most banks nearby: 5.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Benton Harbor, MI | 3 mi | 4 | 5 |
| Banks in Stevensville, MI | 5 mi | 3 | 3 |
| Banks in Coloma, MI | 12 mi | 2 | 3 |
| Banks in Dowagiac, MI | 21 mi | 3 | 5 |
| Banks in Niles, MI | 22 mi | 5 | 9 |
| Banks in South Haven, MI | 24 mi | 3 | 4 |
| Banks in New Buffalo, MI | 24 mi | 2 | 2 |
| Banks in Edwardsburg, MI | 29 mi | 2 | 2 |
Bank branch openings and closings in Saint Joseph
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Saint Joseph 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 Saint Joseph
Short answer: 1 institution has its main office in Saint Joseph: United Credit Union.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| United Credit Union | Credit union | $4.40 billion | 3 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Saint Joseph by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Saint Joseph offices.
Short answer: Chase is the largest bank with offices in Saint Joseph, with $4.09 trillion in total assets on June 30, 2026, No. 1 among U.S. banks by total assets. Fifth Third Bank is second with $299.18 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 |
| Fifth Third Bank | $299.18 billion | No. 14 | 1 | Cincinnati, OH |
| Huntington | $283.07 billion | No. 15 | 2 | Columbus, OH |
| Flagstar | $87.71 billion | No. 36 | 1 | Hicksville, NY |
| 1st Source Bank | $9.26 billion | No. 172 | 3 | South Bend, IN |
| Horizon Bank | $6.55 billion | No. 237 | 2 | Michigan City, IN |
| Sturgis Bank | $1.03 billion | No. 1,026 | 2 | Sturgis, 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 Saint Joseph: FAQ
How many banks are in Saint Joseph, MI?
Saint Joseph has 7 banks with 12 branches and 2 credit unions with 4 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 Saint Joseph?
1st Source Bank, with 3. Huntington has 2 and Horizon Bank has 2.
Is there a 1st Source Bank in Saint Joseph, MI?
Yes. FDIC data lists 3 1st Source Bank branches in Saint Joseph as of September 5, 2026. Its branches are listed under 1st Source Bank above, with the address and directions for each.
Is there a Huntington in Saint Joseph, MI?
Yes. FDIC data lists 2 Huntington branches in Saint Joseph as of September 5, 2026. Its branches are listed under Huntington above, with the address and directions for each.
Is there a Horizon Bank in Saint Joseph, MI?
Yes. FDIC data lists 2 Horizon Bank branches in Saint Joseph as of September 5, 2026. Its branches are listed under Horizon Bank above, with the address and directions for each.
Is there a Wells Fargo in Saint Joseph, MI?
No. FDIC data lists no Wells Fargo branch in Saint Joseph as of September 5, 2026. The nearest is in Birmingham, about 170 miles away in a straight line.
Which banks in Saint Joseph are open on Saturday?
Chase, Fifth Third Bank and United Credit Union publish Saturday hours for one or more Saint Joseph locations. The Saturday section above lists each one with its hours. 10 of the 16 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Saint Joseph?
United Credit Union has its main office in Saint Joseph, according to the FDIC and the NCUA.
What is the oldest bank in Saint Joseph?
Chase has the longest record among banks with a branch here: the FDIC shows it operating since 1824.
Which credit unions can I join in Saint Joseph?
United Credit Union and Honor Credit Union have offices in Saint Joseph. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Saint Joseph 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 Saint Joseph?
Nearby cities with more banks include Benton Harbor, Stevensville, Coloma. Benton Harbor is 3 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 12 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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