US Bank Directory
Banks in Sault Sainte Marie, MI
1 FDIC-insured bank operates 2 offices in Sault Sainte Marie, Michigan, and 4 credit unions have 6 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026.
Bank branch map: Sault Sainte Marie
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: 5 banks and credit unions operate 8 locations in Sault Sainte Marie, according to the FDIC and the NCUA. 7 of them have coordinates on record and are on the map. 6 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 Sault Sainte Marie
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Central Savings Bank is the only bank with offices in Sault Sainte Marie, with 2. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
Soo Co-op Credit Union Credit union · 3
Soo Co-op Credit Union has 3 officees in Sault Sainte Marie, 6 across Michigan. It is based in Sault Sainte Ma, MI and $324.8 million in assets on March 31, 2026, according to its NCUA call report. 1 of its 3 Sault Sainte Marie locations with published hours open on Saturday.
Who can join: see the credit union's site.
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Main Office main office4489 I 75 Business Spur, 49783
All hours
Mon to Fri 7:30 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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Kewadin Branch2186 Shunk Rd, 49783
All hours
Mon to Tue 10 am to 3 pm; Wed to Sun not published
Hours: NCUA, March 31, 2026
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Bingham Branch536 Bingham Ave, 49783
All hours
Mon to Fri 7:30 am to 6 pm; Sat 7:30 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
Central Savings Bank Bank · 2
Central Savings Bank has 2 branches in Sault Sainte Marie, 9 across Michigan and 9 nationwide. FDIC records list its main office in Sault Sainte Marie, MI and show it operating since 1902. With $516.8 million in total assets on June 30, 2026, it ranks No. 1,752 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Sault Sainte Marie location is its main office at 511 Bingham Ave, dating to 1902; the newest, at 3501 I 75 Business Spur, to 2002. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office511 Bingham Ave, 49783
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Business Spur Branch3501 I 75 Business Spur, 49783
4front Credit Union Credit union · 1
4front Credit Union has 1 office in Sault Sainte Marie, 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. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Sault Sainte Marie2701 I 75 Business Spur, 49783
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Limestone Financial Credit Union Credit union · 1
Limestone Financial Credit Union has 1 office in Sault Sainte Marie, 3 across Michigan. It is based in Manistique, MI and $81.1 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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The Hub @ Lssu650 W Easterday Ave, 49783
All hours
Mon to Fri 10 am to 4:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
U.p. State Credit Union Credit union · 1
U.p. State Credit Union has 1 office in Sault Sainte Marie, 6 across Michigan. It is based in Escanaba, MI and $211.8 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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Soo Spruce Street Branch402 W Spruce St, 49783
All hours
Mon to Fri 8 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Sault Sainte Marie
4 credit unions have 6 offices here: Soo Co-op Credit Union, 4front Credit Union, U.p. State Credit Union and Limestone Financial 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 Sault Sainte Marie page has every office in the state's directory.
Banking in Sault Sainte Marie: the local picture
Short answer: 1 bank runs 2 branches in Sault Sainte Marie according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Central Savings Bank has its main office in Sault Sainte Marie, according to the FDIC.
The bank with the longest record here is Central Savings Bank, operating since 1902 according to the FDIC. In FDIC branch records, the longest-running branch is Central Savings Bank's office at 511 Bingham Ave, dating to 1902; the newest is Central Savings Bank's at 3501 I 75 Business Spur, from 2002.
4 credit unions have 6 offices in Sault Sainte Marie, according to the NCUA. Who can join each one is on the credit unions page.
Of the 6 locations with published hours. 1 opens on Saturday. 2 locations have no published hours in these sources.
Credit unions open on Saturday in Sault Sainte Marie
Short answer: 1 of the 6 Sault Sainte Marie locations with published hours opens on Saturday, run by 1 institution.
- Soo Co-op Credit Union: 1 of 3 offices (536 Bingham Ave: Saturday 7:30 am to 1 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; 2 of the 8 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 Sault Sainte Marie, and where the nearest one is if they do not.
Short answer: No branches in Sault Sainte Marie: Chase (nearest in Harbor Springs, 78 mi), Wells Fargo (nearest in Birmingham, 278 mi), Bank of America (nearest in Grand Rapids, 248 mi), PNC Bank (nearest in Cheboygan, 58 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in Petoskey, 82 mi), Huntington (nearest in Sault Ste. Marie, 1 mi), Regions Bank, TD Bank, BMO.
| Bank | In Sault Sainte Marie | Nearest branch if none here |
|---|---|---|
| Chase | None | Harbor Springs, 78 miles away |
| Wells Fargo | None | Birmingham, 278 miles away |
| Bank of America | None | Grand Rapids, 248 miles away |
| PNC Bank | None | Cheboygan, 58 miles away |
| U.S. Bank | None | none in Michigan |
| Truist | None | none in Michigan |
| Fifth Third Bank | None | Petoskey, 82 miles away |
| Huntington | None | Sault Ste. Marie, 1 mile 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 Sault Sainte Marie 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 Sault Sainte Marie residents like anyone else.
Banks near Sault Sainte Marie
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Sault Ste. Marie (1 mile) and Cedarville (33 miles). Petoskey, 82 miles away, has the most banks nearby: 7.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Sault Ste. Marie, MI | 1 mi | 2 | 2 |
| Banks in Cedarville, MI | 33 mi | 2 | 2 |
| Banks in Mackinac Island, MI | 46 mi | 2 | 2 |
| Banks in St. Ignace, MI | 46 mi | 2 | 4 |
| Banks in Newberry, MI | 56 mi | 2 | 2 |
| Banks in Cheboygan, MI | 58 mi | 4 | 7 |
| Banks in Harbor Springs, MI | 78 mi | 2 | 4 |
| Banks in Petoskey, MI | 82 mi | 7 | 11 |
Bank branch openings and closings in Sault Sainte Marie
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Sault Sainte Marie 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 Sault Sainte Marie
Short answer: 1 institution has its main office in Sault Sainte Marie: Central Savings Bank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Central Savings Bank | Bank | $516.8 million | 2 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Sault Sainte Marie by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Sault Sainte Marie offices.
Short answer: Central Savings Bank is the largest bank with offices in Sault Sainte Marie, with $516.8 million in total assets on June 30, 2026, No. 1,752 among U.S. banks by total assets. 1 of the 1 bank is headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Central Savings Bank | $516.8 million | No. 1,752 | 2 | Sault Sainte Marie, 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 Sault Sainte Marie: FAQ
How many banks are in Sault Sainte Marie, MI?
Sault Sainte Marie has 1 bank with 2 branches and 4 credit unions with 6 offices, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Is there a Central Savings Bank in Sault Sainte Marie, MI?
Yes. FDIC data lists 2 Central Savings Bank branches in Sault Sainte Marie as of September 5, 2026, the main office at 511 Bingham Ave. Its branches are listed under Central Savings Bank above, with the address and directions for each.
Is there a Chase in Sault Sainte Marie, MI?
No. FDIC data lists no Chase branch in Sault Sainte Marie as of September 5, 2026. The nearest is in Harbor Springs, about 78 miles away in a straight line.
Which banks in Sault Sainte Marie are open on Saturday?
Soo Co-op Credit Union publishes Saturday hours for one or more Sault Sainte Marie locations. The Saturday section above lists each one with its hours. 2 of the 8 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Sault Sainte Marie?
Central Savings Bank has its main office in Sault Sainte Marie, according to the FDIC.
What is the oldest bank in Sault Sainte Marie?
Central Savings Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1902.
Which credit unions can I join in Sault Sainte Marie?
Soo Co-op Credit Union, 4front Credit Union, U.p. State Credit Union and Limestone Financial Credit Union have offices in Sault Sainte Marie. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Sault Sainte Marie 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 Sault Sainte Marie?
Nearby cities with more banks include Sault Ste. Marie, Cedarville, Mackinac Island. Sault Ste. Marie is 1 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 |
| 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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