US Bank Directory
Banks in Houghton, MI
6 FDIC-insured banks operate 7 offices in Houghton, Michigan, and 1 credit union has 1 office.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026.
Bank branch map: Houghton
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: 7 banks and credit unions operate 8 locations in Houghton, according to the FDIC and the NCUA. 8 of them have coordinates on record and are on the map. 1 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 Houghton
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Superior National Bank has the most locations in Houghton, with 2. The other 5 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.
Superior National Bank Bank · 2
Superior National Bank has 2 branches in Houghton, 10 across Michigan and 10 nationwide. FDIC records list its main office in Hancock, MI and show it operating since 1890. With $1.04 billion in total assets on June 30, 2026, it ranks No. 1,015 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Houghton location is the Sharon Centre Office Branch at 901 W Sharon Ave, dating to 1980; the newest, at 1000 W Sharon Ave, to 1994. It does not publish hours in the sources this page uses; check its site before you go.
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Econo Foods Branch1000 W Sharon Ave, 49931
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Sharon Centre Office Branch901 W Sharon Ave, 49931
Breakwater Credit Union Credit union · 1
Breakwater Credit Union has 1 office in Houghton, 1 across Michigan. It is based in Houghton, MI and $138.3 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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Main Office main office700 E Sharon Ave, 49931
All hours
Mon to Thu 7:30 am to 5:30 pm; Fri 7:30 am to 6 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
Flagstar Bank · 1
Flagstar has 1 branch in Houghton, 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. The Houghton University Branch at 1303 College Ave dates to 1967 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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Houghton University Branch1303 College Ave, 49931
IncredibleBank Bank · 1
IncredibleBank has 1 branch in Houghton, 6 across Michigan and 19 nationwide. FDIC records list its main office in Wausau, WI and show it operating since 1967. With $2.10 billion in total assets on June 30, 2026, it ranks No. 584 of 4,232 U.S. banks by total assets. The Houghton Branch at 19795 W Sharon Ave dates to 1978 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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Houghton Branch19795 W Sharon Ave, 49931
Range Bank Bank · 1
Range Bank has 1 branch in Houghton, 8 across Michigan and 9 nationwide. FDIC records list its main office in Marquette, MI and show it operating since 1887. With $604.1 million in total assets on June 30, 2026, it ranks No. 1,555 of 4,232 U.S. banks by total assets. The Houghton Office at 19320 Jacker Ave dates to 2002 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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Houghton Office19320 Jacker Ave, 49931
The Miners State Bank Bank · 1
The Miners State Bank has 1 branch in Houghton, 6 across Michigan and 6 nationwide. FDIC records list its main office in Iron River, MI and show it operating since 1932. With $134.8 million in total assets on June 30, 2026, it ranks No. 3,445 of 4,232 U.S. banks by total assets. The Houghton Branch at 1203 Ridge Rd dates to 2003 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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Houghton Branch1203 Ridge Rd, 49931
Upper Peninsula State Bank Bank · 1
Upper Peninsula State Bank has 1 branch in Houghton, 5 across Michigan and 5 nationwide. FDIC records list its main office in Escanaba, MI and show it operating since 1902. With $371.7 million in total assets on June 30, 2026, it ranks No. 2,182 of 4,232 U.S. banks by total assets. The Houghton Branch at 960 Razorback Dr dates to 2022 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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Houghton Branch960 Razorback Dr, 49931
Join a credit union in Houghton
1 credit union has 1 office here: Breakwater 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 Houghton page has every office in the state's directory.
Banking in Houghton: the local picture
Short answer: 6 banks run 7 branches in Houghton 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 Houghton, 4 elsewhere in Michigan and 2 out of state, according to the FDIC.
The bank with the longest record here is Range Bank, operating since 1887 according to the FDIC. In FDIC branch records, the longest-running branch is Flagstar's office at 1303 College Ave, dating to 1967; the newest is Upper Peninsula State Bank's at 960 Razorback Dr, from 2022.
The only credit union with an office here is Breakwater Credit Union.
Of the 1 location with published hours. 1 opens on Saturday. 7 locations have no published hours in these sources.
Credit unions open on Saturday in Houghton
Short answer: 1 of the 1 Houghton location with published hours opens on Saturday, run by 1 institution.
- Breakwater Credit Union: 1 of 1 office (700 E Sharon Ave: 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; 7 of the 8 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 Houghton, and where the nearest one is if they do not.
Short answer: No branches in Houghton: Chase (nearest in Harbor Springs, 207 mi), Wells Fargo (nearest in Birmingham, 411 mi), Bank of America (nearest in Grand Rapids, 319 mi), PNC Bank (nearest in Petoskey, 211 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in Suttons Bay, 204 mi), Huntington (nearest in Hancock, 1 mi), Regions Bank, TD Bank, BMO.
| Bank | In Houghton | Nearest branch if none here |
|---|---|---|
| Chase | None | Harbor Springs, 207 miles away |
| Wells Fargo | None | Birmingham, 411 miles away |
| Bank of America | None | Grand Rapids, 319 miles away |
| PNC Bank | None | Petoskey, 211 miles away |
| U.S. Bank | None | none in Michigan |
| Truist | None | none in Michigan |
| Fifth Third Bank | None | Suttons Bay, 204 miles away |
| Huntington | None | Hancock, 1 mile 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 Houghton 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 Houghton residents like anyone else.
Banks near Houghton
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Hancock (1 mile) and Lake Linden (9 miles). Marquette, 68 miles away, has the most banks nearby: 9.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Hancock, MI | 1 mi | 3 | 4 |
| Banks in Lake Linden, MI | 9 mi | 2 | 2 |
| Banks in Calumet, MI | 10 mi | 3 | 3 |
| Banks in Ontonagon, MI | 39 mi | 2 | 2 |
| Banks in Ishpeming, MI | 61 mi | 3 | 3 |
| Banks in Marquette, MI | 68 mi | 9 | 16 |
| Banks in Iron River, MI | 71 mi | 3 | 3 |
| Banks in Ironwood, MI | 87 mi | 2 | 2 |
Bank branch openings and closings in Houghton
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Houghton 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 Houghton
Short answer: 1 institution has its main office in Houghton: Breakwater Credit Union.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| Breakwater Credit Union | Credit union | $138.3 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Houghton by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Houghton offices.
Short answer: Flagstar is the largest bank with offices in Houghton, with $87.71 billion in total assets on June 30, 2026, No. 36 among U.S. banks by total assets. IncredibleBank is second with $2.10 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Flagstar | $87.71 billion | No. 36 | 1 | Hicksville, NY |
| IncredibleBank | $2.10 billion | No. 584 | 1 | Wausau, WI |
| Superior National Bank | $1.04 billion | No. 1,015 | 2 | Hancock, MI |
| Range Bank | $604.1 million | No. 1,555 | 1 | Marquette, MI |
| Upper Peninsula State Bank | $371.7 million | No. 2,182 | 1 | Escanaba, MI |
| The Miners State Bank | $134.8 million | No. 3,445 | 1 | Iron River, 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 Houghton: FAQ
How many banks are in Houghton, MI?
Houghton has 6 banks with 7 branches and 1 credit union with 1 office, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Houghton?
Superior National Bank, with 2. Flagstar has 1 and IncredibleBank has 1.
Is there a Superior National Bank in Houghton, MI?
Yes. FDIC data lists 2 Superior National Bank branches in Houghton as of September 5, 2026. Its branches are listed under Superior National Bank above, with the address and directions for each.
Is there a Flagstar in Houghton, MI?
Yes. FDIC data lists 1 Flagstar branch in Houghton as of September 5, 2026. The address and directions are under Flagstar above.
Is there a IncredibleBank in Houghton, MI?
Yes. FDIC data lists 1 IncredibleBank branch in Houghton as of September 5, 2026. The address and directions are under IncredibleBank above.
Is there a Chase in Houghton, MI?
No. FDIC data lists no Chase branch in Houghton as of September 5, 2026. The nearest is in Harbor Springs, about 207 miles away in a straight line.
Which banks in Houghton are open on Saturday?
Breakwater Credit Union publishes Saturday hours for one or more Houghton locations. The Saturday section above lists each one with its hours. 7 of the 8 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Houghton?
Breakwater Credit Union has its main office in Houghton, according to the FDIC and the NCUA.
What is the oldest bank in Houghton?
Range Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1887.
Which credit unions can I join in Houghton?
Breakwater Credit Union has an office in Houghton. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Houghton 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 Houghton?
Nearby cities with more banks include Hancock, Lake Linden, Calumet. Hancock is 1 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 1 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 |
| 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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