US Bank Directory
Banks in Waterford, MI
6 FDIC-insured banks operate 10 offices in Waterford, Michigan, and 5 credit unions have 9 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: Waterford
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: 11 banks and credit unions operate 19 locations in Waterford, according to the FDIC and the NCUA. 19 of them have coordinates on record and are on the map. 16 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
19 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 Waterford
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: 4 banks share the most locations in Waterford, with 2 each. 2 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.
Genisys Credit Union Credit union · 3
Genisys Credit Union has 3 officees in Waterford, 30 across Michigan. It is based in Auburn Hills, MI and $6.44 billion in assets on March 31, 2026, according to its NCUA call report. 1 of its 3 Waterford locations with published hours open on Saturday.
Who can join: see the credit union's site.
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16 Waterford - Walton2960 W Walton Blvd, 48329
All hours
Mon to Thu 9 am to 5:30 pm; Fri 9 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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8 Waterford - Dixie Hwy4416 Dixie Hwy, 48329
All hours
Mon to Thu 9 am to 5:30 pm; Fri 9 am to 6 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
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3 Waterford - M597372 Highland Rd, 48327
All hours
Mon to Thu 9 am to 5:30 pm; Fri 9 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Chase Bank · 2
Chase has 2 branches in Waterford, 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. In FDIC branch records, its longest-running Waterford location is the Drayton Plains Branch at 4750 Dixie Hwy, dating to 1954; the newest, at 7007 Highland Rd, to 1961. All 2 of its Waterford locations with published hours open on Saturday.
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Drayton Plains Branch4750 Dixie Hwy, 48329
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: Chase branch locator (All The Places), checked Oct 10, 2026
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M-59 Branch7007 Highland Rd, 48327
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: Chase branch locator (All The Places), checked Oct 10, 2026
Fifth Third Bank Bank · 2
Fifth Third Bank has 2 branches in Waterford, 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. In FDIC branch records, its longest-running Waterford location is the M59-Oakland Airport at 7070 Highland Rd, dating to 1983; the newest, at 4370 Highland Rd, to 2005. It opens on Saturday.
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Waterford Banking Center Branch4370 Highland Rd, 48328
All hours
Mon closed; Tue to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 1 pm; Sun closed
Hours: Fifth Third Bank branch locator (All The Places), checked Oct 10, 2026
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M59-Oakland Airport7070 Highland Rd, 48327
Flagstar Bank · 2
Flagstar has 2 branches in Waterford, 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. In FDIC branch records, its longest-running Waterford location is the Waterford Banking Center at 5105 Highland Rd, dating to 2003; the newest, at 7950 Cooley Lake Rd, to 2005. It does not publish hours in the sources this page uses; check its site before you go.
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Waterford Banking Center5105 Highland Rd, 48327
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Cooley Lake Road7950 Cooley Lake Rd, 48327
Huntington Bank · 2
Huntington has 2 branches in Waterford, 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 Waterford Township Branch at 4352 Highland Rd dates to 1934 in FDIC branch records. All 2 of its Waterford locations with published hours open on Saturday.
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Waterford Township Branch4352 Highland Rd, 48328
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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Waterford Union Lake Branch7698 Cooley Lake Rd, 48327
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 United Credit Union Credit union · 2
Michigan United Credit Union has 2 officees in Waterford, 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. None of its 2 Waterford locations with published hours lists Saturday hours.
Who can join: see the credit union's site.
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Waterford North4770 Dixie Hwy, 48329
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
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Waterford West6375 Highland Rd, 48327
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
Vibe Credit Union Credit union · 2
Vibe Credit Union has 2 officees in Waterford, 16 across Michigan. It is based in Novi, MI and $1.57 billion in assets on March 31, 2026, according to its NCUA call report. None of its 2 Waterford locations with published hours lists Saturday hours.
Who can join: see the credit union's site.
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Waterford - County Campus Branch1220 County Center Dr W, 48328
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
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Waterford - M59 Branch6655 Highland Rd, 48327
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
Citizens Bank · 1
Citizens has 1 branch in Waterford, 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 Waterford at 7670 Highland Rd dates to 1934 in FDIC branch records. It opens on Saturday.
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Waterford7670 Highland Rd, 48327
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
Credit Union One Credit union · 1
Credit Union One has 1 office in Waterford, 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. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Cuo-Waterford5129 Highland Rd, 48327
All hours
Mon to Thu 10 am to 5 pm; Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
PNC Bank Bank · 1
PNC Bank has 1 branch in Waterford, 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 Huron Street Branch at 994 W Huron St dates to 1950 in FDIC branch records. It opens on Saturday.
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Huron Street Branch994 W Huron St, 48328
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
Security Credit Union Credit union · 1
Security Credit Union has 1 office in Waterford, 16 across Michigan. It is based in Grand Blanc, MI and $651.8 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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Waterford Office4396 Highland Rd, 48328
All hours
Mon 9 am to 6 pm; Tue to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Waterford
5 credit unions have 9 offices here: Genisys Credit Union, Vibe Credit Union, Michigan United Credit Union, Credit Union One and Security 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 Waterford page has every office in the state's directory.
Banking in Waterford: the local picture
Short answer: 6 banks run 10 branches in Waterford 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 6 banks, 0 have their main office in Waterford 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 Huntington's office at 4352 Highland Rd, dating to 1934; the newest is Flagstar's at 7950 Cooley Lake Rd, from 2005.
5 credit unions have 9 offices in Waterford, according to the NCUA. Who can join each one is on the credit unions page.
Of the 16 locations with published hours. 8 open on Saturday. 3 locations have no published hours in these sources.
Banks by ZIP code in Waterford
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 48327 has the most bank and credit union offices in Waterford (10), followed by 48328 (5) and 48329 (4). Offices are spread across 3 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 48327 | 10 | 9 | Flagstar, Chase, Citizens |
| 48328 | 5 | 5 | Fifth Third Bank, Huntington, PNC Bank |
| 48329 | 4 | 3 | Genisys Credit Union, Chase, Michigan United Credit Union |
Banks and credit unions open on Saturday in Waterford
Short answer: 8 of the 16 Waterford locations with published hours open on Saturday, run by 6 institutions.
- Chase: 2 of 2 branches (4750 Dixie Hwy: Saturday 9 am to 2 pm, and 1 more)
- Fifth Third Bank: 1 of 2 branches (4370 Highland Rd: Saturday 9 am to 1 pm)
- Huntington: 2 of 2 branches (4352 Highland Rd: Saturday 9 am to 12 pm, and 1 more)
- PNC Bank: 1 of 1 branch (994 W Huron St: Saturday 9 am to 1 pm)
- Citizens: 1 of 1 branch (7670 Highland Rd: Saturday 9 am to 12 pm)
- Genisys Credit Union: 1 of 3 offices (4416 Dixie Hwy: 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 19 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 Waterford, and where the nearest one is if they do not.
Short answer: In Waterford: Chase (2), PNC Bank (1), Fifth Third Bank (2), Huntington (2). No branches in Waterford: Wells Fargo (nearest in Birmingham, 12 mi), Bank of America (nearest in White Lake, 3 mi), U.S. Bank, Truist, Regions Bank, TD Bank, BMO.
| Bank | In Waterford | Nearest branch if none here |
|---|---|---|
| Chase | 2 branches | here |
| PNC Bank | 1 branch | here |
| Fifth Third Bank | 2 branches | here |
| Huntington | 2 branches | here |
| Wells Fargo | None | Birmingham, 12 miles away |
| Bank of America | None | White Lake, 3 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 Waterford 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 Waterford residents like anyone else.
Banks near Waterford
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are White Lake (4 miles) and Clarkston (6 miles). Clarkston, 6 miles away, has the most banks nearby: 9.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in White Lake, MI | 4 mi | 2 | 2 |
| Banks in Clarkston, MI | 6 mi | 9 | 13 |
| Banks in Commerce Township, MI | 6 mi | 5 | 8 |
| Banks in Pontiac, MI | 6 mi | 5 | 6 |
| Banks in West Bloomfield, MI | 7 mi | 8 | 12 |
| Banks in Auburn Hills, MI | 8 mi | 3 | 5 |
| Banks in Walled Lake, MI | 9 mi | 2 | 3 |
| Banks in Bloomfield Hills, MI | 9 mi | 8 | 16 |
Bank branch openings and closings in Waterford
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Waterford between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Waterford by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Waterford offices.
Short answer: Chase is the largest bank with offices in Waterford, with $4.09 trillion in total assets on June 30, 2026, No. 1 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 |
|---|---|---|---|---|
| Chase | $4.09 trillion | No. 1 | 2 | Columbus, OH |
| PNC Bank | $609.77 billion | No. 8 | 1 | Wilmington, DE |
| Fifth Third Bank | $299.18 billion | No. 14 | 2 | Cincinnati, OH |
| Huntington | $283.07 billion | No. 15 | 2 | Columbus, OH |
| Citizens | $232.52 billion | No. 20 | 1 | Providence, RI |
| Flagstar | $87.71 billion | No. 36 | 2 | Hicksville, NY |
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 Waterford: FAQ
How many banks are in Waterford, MI?
Waterford has 6 banks with 10 branches and 5 credit unions with 9 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 Waterford?
Chase, with 2. Fifth Third Bank has 2 and Huntington has 2.
Is there a Chase in Waterford, MI?
Yes. FDIC data lists 2 Chase branches in Waterford as of September 5, 2026. Its branches are listed under Chase above, with the address and directions for each.
Is there a Fifth Third Bank in Waterford, MI?
Yes. FDIC data lists 2 Fifth Third Bank branches in Waterford as of September 5, 2026. Its branches are listed under Fifth Third Bank above, with the address and directions for each.
Is there a Huntington in Waterford, MI?
Yes. FDIC data lists 2 Huntington branches in Waterford as of September 5, 2026. Its branches are listed under Huntington above, with the address and directions for each.
Is there a Wells Fargo in Waterford, MI?
No. FDIC data lists no Wells Fargo branch in Waterford as of September 5, 2026. The nearest is in Birmingham, about 12 miles away in a straight line.
Which banks in Waterford are open on Saturday?
Chase, Fifth Third Bank, Huntington and PNC Bank and 2 more publish Saturday hours for one or more Waterford locations. The Saturday section above lists each one with its hours. 3 of the 19 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Waterford?
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 Waterford?
Genisys Credit Union, Vibe Credit Union, Michigan United Credit Union and Credit Union One and 1 more have offices in Waterford. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Waterford 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 Waterford?
Nearby cities with more banks include White Lake, Clarkston, Commerce Township. White Lake is 4 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 9 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 (7 of 10 branches: Chase, 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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