Last updated October 10, 2026 · ranked from 345 Google reviews · How we rank
This guide to banks and credit unions in Bay City, MI brings together nine entries, all located within the city. FinancialEdge Credit Union leads the list with a 4.6 Google rating from 176 reviews, followed by Team One Credit Union with the same rating from 47 reviews. Financial Plus Credit Union holds a 4.9 rating from 10 reviews. The list also includes 1st State Bank, CU1, United Bay Community Credit Union and two Huntington Bank entries, rated 4.2 and 4.1. Across the entries, Google ratings range from 3.6 to 5.0, with review counts ranging from two to 176. These figures provide a straightforward comparison of ratings and review volume for the listed locations in Bay City, MI.
FinancialEdge Credit Union holds a 4.6 Google rating across 176 reviews, listed on Google as credit union.
Patient beneficiary assistance
Drive-through service
Serving since 1950
“I had a great experience with Laken at Financial Edge! She was dabomb.com! She made the entire process quick, easy, and efficient from start to finish. She was friendly, professional, and made sure everything went smoothly. I really appr…”
Team One Credit Union holds a 4.6 Google rating across 47 reviews, listed on Google as credit union.
Drive-through available
Wheelchair-accessible entrance
Later Friday hours
“I have been with Team One for 2 years now. The staff are extremely friendly and knowledgeable. I would recommend Team One to anyone who is shopping for a bank.”
Financial Plus Credit Union holds a 4.9 Google rating across 10 reviews, listed on Google as credit union.
Free checking accounts
24/7 digital banking
Drive-through available
“Kristina was very kind, and helpful with opening my accounts and explained everything very thoroughly. I’m very happy I chose to become a member with this credit union today.”
The branch has an ATM and wheelchair-accessible parking, with hours of 9 a.m.–5 p.m. Monday through Friday and 9 a.m.–noon Saturday. Its Google rating is 4.2 out of 5 from 22 reviews. One reviewer praised attentive service and quick problem-solving, though other excerpts describe poor interactions. Huntington’s stated offerings include personal checking and savings, business accounts, and wealth management.
Saturday morning hours
Drive-through service
ATM access
“Outstanding customer service and attention to detail. Thank you Ashley Garrod for going above and beyond to help us solve a problem quickly.”
Saturday morning hours and a drive-through give CU1 practical appeal at 1002 W Indiana St in Bay City, MI. Its seventh-place ranking reflects those conveniences alongside digital and mobile banking and access to 130,000 surcharge-free ATMs and 5,600 CO-OP Network shared branches. The member-owned, not-for-profit cooperative holds a 4.2 Google rating from 10 reviews, with one reviewer describing service as friendly, helpful and efficient. Friday hours run from 8:30 a.m. to 5:30 p.m., and the location has a wheelchair-accessible entrance and parking.
Saturday morning hours
Drive-through service
Mobile banking access
“Super Friendly, Helpful, and Fast and efficient... keep up the good work”
United Bay Community Credit Union holds a 3.6 Google rating across 50 reviews, listed on Google as credit union.
Drive-through service
Wheelchair-accessible entrance
Long-standing member review
“The lady at the front desk is awesome she helps you sometimes she goes above and beyond. She makes you want to come back because you know someone will be there to assist you.”
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Ratings and review counts shown are Google ratings, displayed with attribution.
How we ranked this list
Each bank is scored on a Bayesian-weighted rating (its rating adjusted for how many reviews it has compared with the Bay City category average), how recently we verified its details, and how complete its listing is. Scores and ranks are stored, so the order only changes when the underlying data changes.
Which banking locations in Bay City, MI have the highest Google ratings?
Financial Plus Credit Union at 708 Center Ave leads with 4.9 from 10 reviews. FinancialEdge Credit Union at 1199 S Euclid Ave and Team One Credit Union at 401 E Midland St both have 4.6 ratings, with 176 and 47 reviews respectively.
Where can I bank on Saturday in Bay City, MI?
Huntington Bank at 900 W Midland St, CU1 at 415 Washington Ave, and CU1 at 1002 W Indiana St list Saturday hours of 9 a.m.–noon.
Which locations in Bay City, MI offer longer Friday hours?
CU1 at 1002 W Indiana St is open Friday from 8:30 a.m. to 5:30 p.m. Team One Credit Union at 401 E Midland St opens at 9 a.m. and also closes at 5:30 p.m. The other locations with listed Friday hours operate from 9 a.m. to 5 p.m.
Where can I find business banking services in Bay City, MI?
Financial Plus Credit Union at 708 Center Ave lists business services, and a reviewer describes opening a small business account there. Huntington Bank at 900 W Midland St lists business banking accounts alongside personal checking, savings, and wealth management services.
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