US Bank Directory
Banks in Alpena, MI
3 FDIC-insured banks operate 4 offices in Alpena, Michigan, and 5 credit unions have 10 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: Alpena
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: 8 banks and credit unions operate 14 locations in Alpena, according to the FDIC and the NCUA. 14 of them have coordinates on record and are on the map. 10 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
14 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 Alpena
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Nicolet Bank has the most locations in Alpena, with 2. The other 2 each 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.
Alpena-alcona Area Credit Union Credit union · 3
Alpena-alcona Area Credit Union has 3 officees in Alpena, 13 across Michigan. It is based in Alpena, MI and $957.6 million in assets on March 31, 2026, according to its NCUA call report. 2 of its 3 Alpena locations with published hours open on Saturday.
Who can join: see the credit union's site.
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Main Office main office1100 S Bagley St, 49707
All hours
Mon to Thu 8:30 am to 5 pm; Fri 8:30 am to 6 pm; Sat 8:30 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
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Alpena North Office1013 Us Highway 23 N, 49707
All hours
Mon to Thu 8:30 am to 5 pm; Fri 8:30 am to 6 pm; Sat 8:30 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
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Wildcat Branch3303 S 3Rd Ave, 49707
All hours
Mon to Fri 11 am to 12:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Wolverine State Credit Union Credit union · 3
Wolverine State Credit Union has 3 officees in Alpena, 5 across Michigan. It is based in Alpena, MI and $169.1 million in assets on March 31, 2026, according to its NCUA call report. All 2 of its Alpena locations with published hours open on Saturday.
Who can join: see the credit union's site.
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Main Office main office1381 N Bagley St, 49707
All hours
Mon to Fri 8:30 am to 5:30 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
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Wolverine State Credit Union417 W Chisholm St, 49707
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Wolverine State Credit Union7421 Us Highway 23 N, 49707
All hours
Mon to Sun 24 hours
Hours: NCUA, March 31, 2026
H.p.c. Credit Union Credit union · 2
H.p.c. Credit Union has 2 officees in Alpena, 3 across Michigan. It is based in Alpena, MI and $171.0 million in assets on March 31, 2026, according to its NCUA call report. All 2 of its Alpena locations with published hours open on Saturday.
Who can join: see the credit union's site.
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Main Office main office1234 W Chisholm St, 49707
All hours
Mon to Fri 8:30 am to 5:30 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
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H.P.C. Credit Union - Branch Office #1300 S Ripley Blvd, 49707
All hours
Mon to Fri 9 am to 5:30 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Nicolet Bank Bank · 2
Nicolet Bank has 2 branches in Alpena, 15 across Michigan and 119 nationwide. FDIC records list its main office in Green Bay, WI and show it operating since 2000. With $15.39 billion in total assets on June 30, 2026, it ranks No. 126 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Alpena location is the First Federal Branch at 100 South Second Avenue, dating to 1957; the newest, at 468 N Ripley Blvd, to 2001. It does not publish hours in the sources this page uses; check its site before you go.
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First Federal Branch100 South Second Avenue, 49707
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Ripley Branch468 N Ripley Blvd, 49707
Alpena Community Credit Union Credit union · 1
Alpena Community Credit Union has 1 office in Alpena, 1 across Michigan. It is based in Alpena, MI and $35.5 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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Main Office main office710 W Miller St, 49707
All hours
Mon to Wed 8:30 am to 4:30 pm; Thu to Fri 7 am to 4:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Huntington Bank · 1
Huntington has 1 branch in Alpena, 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 Alpena M-32 Branch at 1324 M 32 W dates to 2002 in FDIC branch records. Its published hours do not list Saturday.
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Alpena M-32 Branch1324 M 32 W, 49707
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: Huntington branch locator (All The Places), checked Oct 10, 2026
Northland Area Credit Union Credit union · 1
Northland Area Credit Union has 1 office in Alpena, 17 across Michigan. It is based in Alpena, MI and $708.4 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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Main Office main office1161 N Bagley St, 49707
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
PNC Bank Bank · 1
PNC Bank has 1 branch in Alpena, 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 Alpena Branch at 122 N Second Ave dates to 1893 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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Alpena Branch122 N Second Ave, 49707
Join a credit union in Alpena
5 credit unions have 10 offices here: Alpena-alcona Area Credit Union, Wolverine State Credit Union, H.p.c. Credit Union, Northland Area Credit Union and Alpena Community 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 Alpena page has every office in the state's directory.
Banking in Alpena: the local picture
Short answer: 3 banks run 4 branches in Alpena 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 3 banks, 0 have their main office in Alpena and 3 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 PNC Bank's office at 122 N Second Ave, dating to 1893; the newest is Huntington's at 1324 M 32 W, from 2002.
5 credit unions have 10 offices in Alpena, according to the NCUA. Who can join each one is on the credit unions page.
Of the 10 locations with published hours. 6 open on Saturday. 4 locations have no published hours in these sources.
Credit unions open on Saturday in Alpena
Short answer: 6 of the 10 Alpena locations with published hours open on Saturday, run by 3 institutions.
- Alpena-alcona Area Credit Union: 2 of 3 offices (1100 S Bagley St: Saturday 8:30 am to 12 pm, and 1 more)
- Wolverine State Credit Union: 2 of 3 offices (1381 N Bagley St: Saturday 9 am to 12 pm, and 1 more)
- H.p.c. Credit Union: 2 of 2 offices (1234 W Chisholm St: Saturday 9 am to 12 pm, and 1 more)
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; 4 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 Alpena, and where the nearest one is if they do not.
Short answer: In Alpena: PNC Bank (1), Huntington (1). No branches in Alpena: Chase (nearest in Boyne City, 74 mi), Wells Fargo (nearest in Birmingham, 175 mi), Bank of America (nearest in Lake Orion, 159 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in Gaylord, 60 mi), Regions Bank, TD Bank, BMO.
| Bank | In Alpena | Nearest branch if none here |
|---|---|---|
| PNC Bank | 1 branch | here |
| Huntington | 1 branch | here |
| Chase | None | Boyne City, 74 miles away |
| Wells Fargo | None | Birmingham, 175 miles away |
| Bank of America | None | Lake Orion, 159 miles away |
| U.S. Bank | None | none in Michigan |
| Truist | None | none in Michigan |
| Fifth Third Bank | None | Gaylord, 60 miles away |
| 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 Alpena 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 Alpena residents like anyone else.
Banks near Alpena
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Oscoda (44 miles) and Tawas City (54 miles). Gaylord, 60 miles away, has the most banks nearby: 5.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Oscoda, MI | 44 mi | 2 | 2 |
| Banks in Tawas City, MI | 54 mi | 2 | 2 |
| Banks in Rose City, MI | 55 mi | 2 | 2 |
| Banks in Gaylord, MI | 60 mi | 5 | 6 |
| Banks in Cheboygan, MI | 64 mi | 4 | 7 |
| Banks in West Branch, MI | 66 mi | 4 | 5 |
| Banks in Grayling, MI | 68 mi | 2 | 2 |
| Banks in Au Gres, MI | 71 mi | 2 | 2 |
Bank branch openings and closings in Alpena
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Alpena between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Banks and credit unions based in Alpena
Short answer: 5 institutions have their main office in Alpena: Alpena-alcona Area Credit Union, Wolverine State Credit Union, H.p.c. Credit Union and Northland Area Credit Union and 1 more.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| Alpena-alcona Area Credit Union | Credit union | $957.6 million | 3 |
| Wolverine State Credit Union | Credit union | $169.1 million | 3 |
| H.p.c. Credit Union | Credit union | $171.0 million | 2 |
| Northland Area Credit Union | Credit union | $708.4 million | 1 |
| Alpena Community Credit Union | Credit union | $35.5 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Alpena by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Alpena offices.
Short answer: PNC Bank is the largest bank with offices in Alpena, with $609.77 billion in total assets on June 30, 2026, No. 8 among U.S. banks by total assets. Huntington is second with $283.07 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| PNC Bank | $609.77 billion | No. 8 | 1 | Wilmington, DE |
| Huntington | $283.07 billion | No. 15 | 1 | Columbus, OH |
| Nicolet Bank | $15.39 billion | No. 126 | 2 | Green Bay, WI |
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 Alpena: FAQ
How many banks are in Alpena, MI?
Alpena has 3 banks with 4 branches and 5 credit unions with 10 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 Alpena?
Nicolet Bank, with 2. PNC Bank has 1 and Huntington has 1.
Is there a Nicolet Bank in Alpena, MI?
Yes. FDIC data lists 2 Nicolet Bank branches in Alpena as of September 5, 2026. Its branches are listed under Nicolet Bank above, with the address and directions for each.
Is there a PNC Bank in Alpena, MI?
Yes. FDIC data lists 1 PNC Bank branch in Alpena as of September 5, 2026. The address and directions are under PNC Bank above.
Is there a Huntington in Alpena, MI?
Yes. FDIC data lists 1 Huntington branch in Alpena as of September 5, 2026. The address and directions are under Huntington above.
Is there a Chase in Alpena, MI?
No. FDIC data lists no Chase branch in Alpena as of September 5, 2026. The nearest is in Boyne City, about 74 miles away in a straight line.
Which banks in Alpena are open on Saturday?
Alpena-alcona Area Credit Union, Wolverine State Credit Union and H.p.c. Credit Union publish Saturday hours for one or more Alpena locations. The Saturday section above lists each one with its hours. 4 of the 14 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Alpena?
Alpena-alcona Area Credit Union, Wolverine State Credit Union, H.p.c. Credit Union, Northland Area Credit Union and Alpena Community Credit Union have their main office in Alpena, according to the FDIC and the NCUA.
What is the oldest bank in Alpena?
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 Alpena?
Alpena-alcona Area Credit Union, Wolverine State Credit Union, H.p.c. Credit Union and Northland Area Credit Union and 1 more have offices in Alpena. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Alpena 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 Alpena?
Nearby cities with more banks include Oscoda, Tawas City, Rose City. Oscoda is 44 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 10 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 (1 of 4 branches: Huntington) | 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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