Banks in Union City, MI

Bank branch map: Union 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: 1 institution operates 2 locations in Union City, according to the FDIC. 2 of them have coordinates on record and are on the map. ATMs and opening hours are not in the sources this page uses yet; each marker links to directions.

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 in Union City

Sorted by number of local branches. Each branch shows where its hours and phone number come from.

Short answer: Southern Michigan Bank & Trust is the only bank with offices in Union City, with 2. Open any bank to see each address, today's hours where the bank publishes them and the phone number.

Southern Michigan Bank & Trust 2 branches · main office Coldwater, MI Bank · 2

Southern Michigan Bank & Trust has 2 branches in Union City, 21 across Michigan and 21 nationwide. FDIC records list its main office in Coldwater, MI and show it operating since 1872. With $1.68 billion in total assets on June 30, 2026, it ranks No. 674 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Union City location is the Union City Branch at 225 N Broadway St, dating to 1965; the newest, at 405 N Broadway St, to 1974. It does not publish hours in the sources this page uses; check its site before you go.

• Union City Branch

  225 N Broadway St, 49094

  Hours: see the bank's site
  DirectionsWebsite
• The Motor Bank Branch

  405 N Broadway St, 49094

  Hours: see the bank's site
  DirectionsWebsite

Southern Michigan Bank & Trust: profile, branches and contacts

Banking in Union City: the local picture

Short answer: 1 bank runs 2 branches in Union 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.

Southern Michigan Bank & Trust has its main office in Coldwater, MI, according to the FDIC.

The bank with the longest record here is Southern Michigan Bank & Trust, operating since 1872 according to the FDIC. In FDIC branch records, the longest-running branch is Southern Michigan Bank & Trust's office at 225 N Broadway St, dating to 1965; the newest is Southern Michigan Bank & Trust's at 405 N Broadway St, from 1974.

None of the 2 locations here publishes hours in the sources this page uses. Each branch links to the bank's own site.

Chase, Bank of America and other national banks

Which big national banks have branches in Union City, and where the nearest one is if they do not.

Short answer: No branches in Union City: Chase (nearest in Portage, 26 mi), Wells Fargo (nearest in Birmingham, 104 mi), Bank of America (nearest in Lansing, 52 mi), PNC Bank (nearest in Coldwater, 12 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in Battle Creek, 17 mi), Huntington (nearest in Coldwater, 11 mi), Regions Bank, TD Bank, BMO.

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Union 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%.

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 Union City residents like anyone else.

Banks near Union 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 Coldwater (12 miles) and Bronson (14 miles). Portage, 26 miles away, has the most banks nearby: 12.

Bank branch openings and closings in Union City

FDIC branch records, between September 5, 2025 and September 5, 2026.

Short answer: FDIC branch records show no bank branch openings in Union 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 Union City by total assets

Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Union City offices.

Short answer: Southern Michigan Bank & Trust is the largest bank with offices in Union City, with $1.68 billion in total assets on June 30, 2026, No. 674 among U.S. banks by total assets. Local deposit shares will follow once the FDIC Summary of Deposits is imported.

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 Union City: FAQ

How we build this page

Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.