US Bank Directory
Banks in Gaylord, MI
5 FDIC-insured banks operate 6 offices in Gaylord, Michigan, and 3 credit unions have 3 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: Gaylord
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 9 locations in Gaylord, according to the FDIC and the NCUA. 8 of them have coordinates on record and are on the map. 5 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
8 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 Gaylord
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: State Savings Bank has the most locations in Gaylord, with 2. The other 4 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.
State Savings Bank Bank · 2
State Savings Bank has 2 branches in Gaylord, 9 across Michigan and 9 nationwide. FDIC records list its main office in Frankfort, MI and show it operating since 1901. With $431.2 million in total assets on June 30, 2026, it ranks No. 1,972 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Gaylord location is the Gaylord Branch at 126 E Main St, dating to 2018; the newest, at 2091 S Otsego Ave, to 2024. It does not publish hours in the sources this page uses; check its site before you go.
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Gaylord Branch126 E Main St, 49735
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Gaylord South Office Branch2091 S Otsego Ave, 49735
Awakon Credit Union Credit union · 1
Awakon Credit Union has 1 office in Gaylord, 6 across Michigan. It is based in Onaway, MI and $201.9 million in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
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Awakon Federal Credit Union1496 W Main St, 49735
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Community Financial Credit Union Credit union · 1
Community Financial Credit Union has 1 office in Gaylord, 13 across Michigan. It is based in Plymouth, MI and $1.48 billion in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
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Community Financial North Gaylord1360 W Main St, 49735
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Fifth Third Bank Bank · 1
Fifth Third Bank has 1 branch in Gaylord, 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. The Gaylord Main Office Branch at 123 W Main St dates to 1893 in FDIC branch records. It opens on Saturday.
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Gaylord Main Office Branch123 W Main St, 49735
All hours
Mon closed; Tue to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 12 pm; Sun closed
Hours: Fifth Third Bank branch locator (All The Places), checked Oct 10, 2026
Horizon Bank Bank · 1
Horizon Bank has 1 branch in Gaylord, 29 across Michigan and 79 nationwide. FDIC records list its main office in Michigan City, IN and show it operating since 1873. With $6.55 billion in total assets on June 30, 2026, it ranks No. 237 of 4,232 U.S. banks by total assets. The Gaylord Main at 521 W Main St dates to 1975 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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Gaylord Main521 W Main St, 49735
Huntington Bank · 1
Huntington has 1 branch in Gaylord, 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 Gaylord Downtown at 100 E Main St dates to 1995 in FDIC branch records. Its published hours do not list Saturday.
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Gaylord Downtown100 E Main St, 49735
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
Nicolet Bank Bank · 1
Nicolet Bank has 1 branch in Gaylord, 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. The Gaylord Branch at 1955 South Otsego Ave dates to 1998 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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Gaylord Branch1955 South Otsego Ave, 49735
Northland Area Credit Union Credit union · 1
Northland Area Credit Union has 1 office in Gaylord, 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. It opens on Saturday.
Who can join: see the credit union's site.
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Gaylord Branch1371 W Main St, 49735
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Gaylord
3 credit unions have 3 offices here: Community Financial Credit Union, Northland Area Credit Union and Awakon 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 Gaylord page has every office in the state's directory.
Banking in Gaylord: the local picture
Short answer: 5 banks run 6 branches in Gaylord 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 5 banks, 0 have their main office in Gaylord, 1 elsewhere in Michigan and 4 out of state, according to the FDIC.
The bank with the longest record here is Fifth Third Bank, operating since 1865 according to the FDIC. In FDIC branch records, the longest-running branch is Fifth Third Bank's office at 123 W Main St, dating to 1893; the newest is State Savings Bank's at 2091 S Otsego Ave, from 2024.
3 credit unions have 3 offices in Gaylord, according to the NCUA. Who can join each one is on the credit unions page.
Of the 5 locations with published hours. 4 open on Saturday. 4 locations have no published hours in these sources.
Banks and credit unions open on Saturday in Gaylord
Short answer: 4 of the 5 Gaylord locations with published hours open on Saturday, run by 4 institutions.
- Fifth Third Bank: 1 of 1 branch (123 W Main St: Saturday 9 am to 12 pm)
- Community Financial Credit Union: 1 of 1 office (1360 W Main St: Saturday 9 am to 12 pm)
- Northland Area Credit Union: 1 of 1 office (1371 W Main St: Saturday 9 am to 1 pm)
- Awakon Credit Union: 1 of 1 office (1496 W Main St: Saturday 9 am to 12 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; 4 of the 9 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 Gaylord, and where the nearest one is if they do not.
Short answer: In Gaylord: Fifth Third Bank (1), Huntington (1). No branches in Gaylord: Chase (nearest in Boyne City, 18 mi), Wells Fargo (nearest in Birmingham, 186 mi), Bank of America (nearest in Grand Rapids, 146 mi), PNC Bank (nearest in Petoskey, 28 mi), U.S. Bank, Truist, Regions Bank, TD Bank, BMO.
| Bank | In Gaylord | Nearest branch if none here |
|---|---|---|
| Fifth Third Bank | 1 branch | here |
| Huntington | 1 branch | here |
| Chase | None | Boyne City, 18 miles away |
| Wells Fargo | None | Birmingham, 186 miles away |
| Bank of America | None | Grand Rapids, 146 miles away |
| PNC Bank | None | Petoskey, 28 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 Gaylord 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 Gaylord residents like anyone else.
Banks near Gaylord
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Boyne City (20 miles) and East Jordan (24 miles). Petoskey, 28 miles away, has the most banks nearby: 7.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Boyne City, MI | 20 mi | 3 | 3 |
| Banks in East Jordan, MI | 24 mi | 2 | 2 |
| Banks in Grayling, MI | 25 mi | 2 | 2 |
| Banks in Bellaire, MI | 26 mi | 2 | 2 |
| Banks in Petoskey, MI | 28 mi | 7 | 11 |
| Banks in Harbor Springs, MI | 32 mi | 2 | 4 |
| Banks in Charlevoix, MI | 35 mi | 3 | 5 |
| Banks in Elk Rapids, MI | 37 mi | 3 | 3 |
Bank branch openings and closings in Gaylord
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Gaylord between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Gaylord by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Gaylord offices.
Short answer: Fifth Third Bank is the largest bank with offices in Gaylord, with $299.18 billion in total assets on June 30, 2026, No. 14 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 |
|---|---|---|---|---|
| Fifth Third Bank | $299.18 billion | No. 14 | 1 | Cincinnati, OH |
| Huntington | $283.07 billion | No. 15 | 1 | Columbus, OH |
| Nicolet Bank | $15.39 billion | No. 126 | 1 | Green Bay, WI |
| Horizon Bank | $6.55 billion | No. 237 | 1 | Michigan City, IN |
| State Savings Bank | $431.2 million | No. 1,972 | 2 | Frankfort, MI |
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 Gaylord: FAQ
How many banks are in Gaylord, MI?
Gaylord has 5 banks with 6 branches and 3 credit unions with 3 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 Gaylord?
State Savings Bank, with 2. Fifth Third Bank has 1 and Huntington has 1.
Is there a State Savings Bank in Gaylord, MI?
Yes. FDIC data lists 2 State Savings Bank branches in Gaylord as of September 5, 2026. Its branches are listed under State Savings Bank above, with the address and directions for each.
Is there a Fifth Third Bank in Gaylord, MI?
Yes. FDIC data lists 1 Fifth Third Bank branch in Gaylord as of September 5, 2026. The address and directions are under Fifth Third Bank above.
Is there a Huntington in Gaylord, MI?
Yes. FDIC data lists 1 Huntington branch in Gaylord as of September 5, 2026. The address and directions are under Huntington above.
Is there a Chase in Gaylord, MI?
No. FDIC data lists no Chase branch in Gaylord as of September 5, 2026. The nearest is in Boyne City, about 18 miles away in a straight line.
Which banks in Gaylord are open on Saturday?
Fifth Third Bank, Community Financial Credit Union, Northland Area Credit Union and Awakon Credit Union publish Saturday hours for one or more Gaylord locations. The Saturday section above lists each one with its hours. 4 of the 9 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Gaylord?
Fifth Third Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1865.
Which credit unions can I join in Gaylord?
Community Financial Credit Union, Northland Area Credit Union and Awakon Credit Union have offices in Gaylord. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Gaylord 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 Gaylord?
Nearby cities with more banks include Boyne City, East Jordan, Grayling. Boyne City is 20 miles away with 3 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 2 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 (2 of 6 branches: Fifth Third Bank, 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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