US Bank Directory
Banks in St. Clair Shores, MI
7 FDIC-insured banks operate 9 offices in St. Clair Shores, Michigan, and 5 credit unions have 5 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: St. Clair Shores
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: 12 banks and credit unions operate 14 locations in St. Clair Shores, according to the FDIC and the NCUA. 13 of them have coordinates on record and are on the map. 11 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
13 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 St. Clair Shores
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Citizens and First State Bank have the most locations in St. Clair Shores, with 2 each. 5 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 Bank · 2
Citizens has 2 branches in St. Clair Shores, 65 across Michigan and 977 nationwide. FDIC records list its main office in Providence, RI and show it operating since 2005. With $232.52 billion in total assets on June 30, 2026, it ranks No. 20 of 4,232 U.S. banks by total assets. The Mack / St. Joan at 21800 Greater Mack Ave dates to 1934 in FDIC branch records. All 2 of its St. Clair Shores locations with published hours open on Saturday.
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Mack / St. Joan21800 Greater Mack Ave, 48080
All hours
Mon to Fri 9 am to 4 pm; Sat 9 am to 12 pm; Sun not published
Hours: Citizens branch locator (All The Places), checked Oct 10, 2026
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St. Clair Shores31231 Harper Ave, 48082
All hours
Mon to Fri 9 am to 4 pm; Sat 9 am to 12 pm; Sun not published
Hours: Citizens branch locator (All The Places), checked Oct 10, 2026
First State Bank Bank · 2
First State Bank has 2 branches in St. Clair Shores, 11 across Michigan and 11 nationwide. FDIC records list its main office in Eastpointe, MI and show it operating since 1917. With $1.35 billion in total assets on June 30, 2026, it ranks No. 822 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running St. Clair Shores location is the Mack Branch at 23600 Greater Mack Ave, dating to 1947; the newest, at 24335 Harper Ave, to 1961. It does not publish hours in the sources this page uses; check its site before you go.
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Mack Branch23600 Greater Mack Ave, 48080
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Harper Branch24335 Harper Ave, 48080
Bank of America Bank · 1
Bank of America has 1 branch in St. Clair Shores, 72 across Michigan and 3,598 nationwide. FDIC records list its main office in Charlotte, NC and show it operating since 1904. With $2.65 trillion in total assets on June 30, 2026, it ranks No. 2 of 4,232 U.S. banks by total assets. The Marter-Jefferson Branch at 23225 Marter Rd dates to 1890 in FDIC branch records. Its published hours do not list Saturday.
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Marter-Jefferson Branch23225 Marter Rd, 48080
All hours
Mon closed; Tue to Fri 9 am to 4 pm; Sat to Sun closed
Hours: Bank of America branch locator (All The Places), checked Oct 10, 2026
Christian Financial Credit Union Credit union · 1
Christian Financial Credit Union has 1 office in St. Clair Shores, 13 across Michigan. It is based in Sterling Height, MI and $1.11 billion 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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St. Clair Shores Branch31065 Harper Ave, 48082
All hours
Mon to Fri 9 am to 6:30 pm; Sat 9 am to 2 pm; Sun not published
Hours: NCUA, March 31, 2026
Credit Union One Credit union · 1
Credit Union One has 1 office in St. Clair Shores, 17 across Michigan. It is based in Ferndale, MI and $1.82 billion 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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Cuo-St. Clair Shores28201 Harper Ave, 48081
All hours
Mon to Thu 10 am to 5 pm; Fri 9 am to 5 pm; Sat 10 am to 12:30 pm; Sun not published
Hours: NCUA, March 31, 2026
Fifth Third Bank Bank · 1
Fifth Third Bank has 1 branch in St. Clair Shores, 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 Harper - Grossedale Branch at 30200 Harper Ave dates to 1977 in FDIC branch records. It opens on Saturday.
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Harper - Grossedale Branch30200 Harper Ave, 48082
All hours
Mon closed; Tue to Thu 9 am to 5 pm; Fri 9 am to 5:30 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 St. Clair Shores, 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 Clair Shores Branch at 23108 Harper Ave dates to 2008 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 Clair Shores Branch23108 Harper Ave, 48080
Freestar Financial Credit Union Credit union · 1
Freestar Financial Credit Union has 1 office in St. Clair Shores, 8 across Michigan. It is based in Mount Clemens, MI and $351.3 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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Saint Clair Shores22500 E 9 Mile Rd, 48080
All hours
Mon to Tue 9 am to 5 pm; Wed 10 am to 5 pm; Thu to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
Huntington Bank · 1
Huntington has 1 branch in St. Clair Shores, 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 St. Clair Shores Branch at 26501 Little Mack Ave dates to 1994 in FDIC branch records. It opens on Saturday.
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St. Clair Shores Branch26501 Little Mack Ave, 48081
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
Michigan Schools and Government Credit Union Credit union · 1
Michigan Schools and Government Credit Union has 1 office in St. Clair Shores, 24 across Michigan. It is based in Clinton Townshi, MI and $4.37 billion 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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Shores24515 Little Mack Ave, 48080
All hours
Mon to Wed 9 am to 5 pm; Thu 9 am to 6 pm; Fri not published; Sat 9 am to 1 pm; Sun closed
Hours: NCUA, March 31, 2026
Michigan United Credit Union Credit union · 1
Michigan United Credit Union has 1 office in St. Clair Shores, 9 across Michigan. It is based in Auburn Hills, MI and $346.4 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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Shores25901 Harper Ave, 48081
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
PNC Bank Bank · 1
PNC Bank has 1 branch in St. Clair Shores, 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 10 Mile Harper Branch at 24612 Harper Ave dates to 1955 in FDIC branch records. It opens on Saturday.
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10 Mile Harper Branch24612 Harper Ave, 48080
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published
Hours: PNC Bank branch locator (All The Places), checked Oct 3, 2026
Join a credit union in St. Clair Shores
5 credit unions have 5 offices here: Michigan Schools and Government Credit Union, Credit Union One, Christian Financial Credit Union, Freestar Financial Credit Union and Michigan United 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 St. Clair Shores page has every office in the state's directory.
Banking in St. Clair Shores: the local picture
Short answer: 7 banks run 9 branches in St. Clair Shores 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 St. Clair Shores, 1 elsewhere in Michigan and 6 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 Bank of America's office at 23225 Marter Rd, dating to 1890; the newest is Flagstar's at 23108 Harper Ave, from 2008.
5 credit unions have 5 offices in St. Clair Shores, according to the NCUA. Who can join each one is on the credit unions page.
Of the 11 locations with published hours. 9 open on Saturday. 3 locations have no published hours in these sources.
Banks by ZIP code in St. Clair Shores
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 48080 has the most bank and credit union offices in St. Clair Shores (8), followed by 48081 (3) and 48082 (3). Offices are spread across 3 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 48080 | 8 | 7 | First State Bank, Bank of America, Citizens |
| 48081 | 3 | 3 | Credit Union One, Huntington, Michigan United Credit Union |
| 48082 | 3 | 3 | Christian Financial Credit Union, Citizens, Fifth Third Bank |
Banks and credit unions open on Saturday in St. Clair Shores
Short answer: 9 of the 11 St. Clair Shores locations with published hours open on Saturday, run by 8 institutions.
- Citizens: 2 of 2 branches (21800 Greater Mack Ave: Saturday 9 am to 12 pm, and 1 more)
- PNC Bank: 1 of 1 branch (24612 Harper Ave: Saturday 9 am to 1 pm)
- Fifth Third Bank: 1 of 1 branch (30200 Harper Ave: Saturday 9 am to 12 pm)
- Huntington: 1 of 1 branch (26501 Little Mack Ave: Saturday 9 am to 12 pm)
- Michigan Schools and Government Credit Union: 1 of 1 office (24515 Little Mack Ave: Saturday 9 am to 1 pm)
- Credit Union One: 1 of 1 office (28201 Harper Ave: Saturday 10 am to 12:30 pm)
- Christian Financial Credit Union: 1 of 1 office (31065 Harper Ave: Saturday 9 am to 2 pm)
- Freestar Financial Credit Union: 1 of 1 office (22500 E 9 Mile Rd: Saturday 9 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; 3 of the 14 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 St. Clair Shores, and where the nearest one is if they do not.
Short answer: In St. Clair Shores: Bank of America (1), PNC Bank (1), Fifth Third Bank (1), Huntington (1). No branches in St. Clair Shores: Chase (nearest in Harper Woods, 3 mi), Wells Fargo (nearest in Birmingham, 16 mi), U.S. Bank, Truist, Regions Bank, TD Bank, BMO.
| Bank | In St. Clair Shores | Nearest branch if none here |
|---|---|---|
| Bank of America | 1 branch | here |
| PNC Bank | 1 branch | here |
| Fifth Third Bank | 1 branch | here |
| Huntington | 1 branch | here |
| Chase | None | Harper Woods, 3 miles away |
| Wells Fargo | None | Birmingham, 16 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 St. Clair Shores 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 St. Clair Shores residents like anyone else.
Banks near St. Clair Shores
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Roseville (2 miles) and Eastpointe (3 miles). Roseville, 2 miles away, has the most banks nearby: 5.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Roseville, MI | 2 mi | 5 | 7 |
| Banks in Eastpointe, MI | 3 mi | 4 | 4 |
| Banks in Grosse Pointe Woods, MI | 3 mi | 4 | 5 |
| Banks in Fraser, MI | 5 mi | 2 | 2 |
| Banks in Grosse Pointe Farms, MI | 5 mi | 3 | 3 |
| Banks in Grosse Pointe, MI | 6 mi | 4 | 5 |
| Banks in Center Line, MI | 6 mi | 2 | 2 |
| Banks in Harrison Township, MI | 7 mi | 3 | 3 |
Bank branch openings and closings in St. Clair Shores
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in St. Clair Shores between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in St. Clair Shores by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its St. Clair Shores offices.
Short answer: Bank of America is the largest bank with offices in St. Clair Shores, with $2.65 trillion in total assets on June 30, 2026, No. 2 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 |
|---|---|---|---|---|
| Bank of America | $2.65 trillion | No. 2 | 1 | Charlotte, NC |
| PNC Bank | $609.77 billion | No. 8 | 1 | Wilmington, DE |
| Fifth Third Bank | $299.18 billion | No. 14 | 1 | Cincinnati, OH |
| Huntington | $283.07 billion | No. 15 | 1 | Columbus, OH |
| Citizens | $232.52 billion | No. 20 | 2 | Providence, RI |
| Flagstar | $87.71 billion | No. 36 | 1 | Hicksville, NY |
| First State Bank | $1.35 billion | No. 822 | 2 | Eastpointe, 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 St. Clair Shores: FAQ
How many banks are in St. Clair Shores, MI?
St. Clair Shores has 7 banks with 9 branches and 5 credit unions with 5 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 St. Clair Shores?
Citizens, with 2. First State Bank has 2 and Bank of America has 1.
Is there a Citizens in St. Clair Shores, MI?
Yes. FDIC data lists 2 Citizens branches in St. Clair Shores as of September 5, 2026. Its branches are listed under Citizens above, with the address and directions for each.
Is there a First State Bank in St. Clair Shores, MI?
Yes. FDIC data lists 2 First State Bank branches in St. Clair Shores as of September 5, 2026. Its branches are listed under First State Bank above, with the address and directions for each.
Is there a Bank of America in St. Clair Shores, MI?
Yes. FDIC data lists 1 Bank of America branch in St. Clair Shores as of September 5, 2026. The address and directions are under Bank of America above.
Is there a Chase in St. Clair Shores, MI?
No. FDIC data lists no Chase branch in St. Clair Shores as of September 5, 2026. The nearest is in Harper Woods, about 3 miles away in a straight line.
Which banks in St. Clair Shores are open on Saturday?
Citizens, PNC Bank, Fifth Third Bank and Huntington and 4 more publish Saturday hours for one or more St. Clair Shores locations. The Saturday section above lists each one with its hours. 3 of the 14 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in St. Clair Shores?
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 St. Clair Shores?
Michigan Schools and Government Credit Union, Credit Union One, Christian Financial Credit Union and Freestar Financial Credit Union and 1 more have offices in St. Clair Shores. Check each credit union's membership rules before you apply.
Did any bank branches open or close in St. Clair Shores 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 St. Clair Shores?
Nearby cities with more banks include Roseville, Eastpointe, Grosse Pointe Woods. Roseville is 2 miles away with 5 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 4 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 (6 of 9 branches: Bank of America, Citizens, Fifth Third Bank, Huntington, PNC Bank) | 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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