The morphological characteristics of the Zhongxiang (钟祥) rectorite have been studied using X-ray diffraction (XRD), electron probe micro-analyzer (EPMA), scanning electron microscopy (SEM), atomic force microscope (AFM), and high-resolution transmission electron microscopy (HRTEM). The structural formula of the Zhongxiang rectorite is: interstratification of (K, Na)-mica and Ca-montmorillouite. SEM observations show that Zhongxiang rectorite occurs as platy and fold-shaped crystals, and mainly as extremely thin plates with thickness ranging from 0.4 to 0.05 μm and a smooth (001) surface. There are well-developed polygonal steps on the surfaces of some thick crystals, suggesting a layer-by-layer growth mechanism. AFM observations show a series of steps with a height of 2 nm on the platy particles, suggesting the stacking of 20 nm fundamental particles. Club-like or fiber-shaped halloysite is included in the platy crystals with their elongated dimension paralleling (001) of the platy crystals or crossing the (001) surface of the platy rectorite, indicating multi-stage crystallization and involvement of hydrothermal fluids. The Zhongxiang rectorite was generated by both layer-by-layer growth mechanism and dissolution and crystallization growth mechanism with multistages.