US Bank Directory
Banks in Houghton Lake, MI
2 FDIC-insured banks operate 2 offices in Houghton Lake, Michigan, and 2 credit unions have 3 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026.
Bank branch map: Houghton Lake
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: 4 banks and credit unions operate 5 locations in Houghton Lake, according to the FDIC and the NCUA. 5 of them have coordinates on record and are on the map. 3 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
5 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 Lake
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Huntington and Horizon Bank have the most locations in Houghton Lake, with 1 each. 2 banks 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.
North Central Area Credit Union Credit union · 2
North Central Area Credit Union has 2 officees in Houghton Lake, 7 across Michigan. It is based in Houghton Lake, MI and $269.4 million in assets on March 31, 2026, according to its NCUA call report. None of its 2 Houghton Lake locations with published hours lists Saturday hours.
Who can join: see the credit union's site.
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Main Office main office2665 Reserve Rd, 48629
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
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Houghton Lake Branch2671 Reserve Rd, 48629
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Horizon Bank Bank · 1
Horizon Bank has 1 branch in Houghton Lake, 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 Houghton Lake W Branch at 7409 W Houghton Lake Dr dates to 1964 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 Lake W Branch7409 W Houghton Lake Dr, 48629
Huntington Bank · 1
Huntington has 1 branch in Houghton Lake, 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 Houghton Lake East at 2263 W Houghton Lake Dr 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 Lake East2263 W Houghton Lake Dr, 48629
Northland Area Credit Union Credit union · 1
Northland Area Credit Union has 1 office in Houghton Lake, 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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Houghton Lake2285 W Houghton Lake Dr, 48629
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 Houghton Lake
2 credit unions have 3 offices here: North Central Area Credit Union and Northland Area 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 Lake page has every office in the state's directory.
Banking in Houghton Lake: the local picture
Short answer: 2 banks run 2 branches in Houghton Lake 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 2 banks, 0 have their main office in Houghton Lake and 2 out of state, according to the FDIC.
The bank with the longest record here is Huntington, operating since 1866 according to the FDIC. In FDIC branch records, the longest-running branch is Horizon Bank's office at 7409 W Houghton Lake Dr, dating to 1964; the newest is Huntington's at 2263 W Houghton Lake Dr, from 2002.
2 credit unions have 3 offices in Houghton Lake, according to the NCUA. Who can join each one is on the credit unions page.
Of the 3 locations with published hours. 1 opens on Saturday. 2 locations have no published hours in these sources.
Credit unions open on Saturday in Houghton Lake
Short answer: 1 of the 3 Houghton Lake locations with published hours opens on Saturday, run by 1 institution.
- Northland Area Credit Union: 1 of 1 office (2285 W Houghton Lake Dr: 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; 2 of the 5 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 Lake, and where the nearest one is if they do not.
Short answer: In Houghton Lake: Huntington (1). No branches in Houghton Lake: Chase (nearest in Prudenville, 4 mi), Wells Fargo (nearest in Birmingham, 144 mi), Bank of America (nearest in Grand Rapids, 100 mi), PNC Bank (nearest in West Branch, 25 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in Cadillac, 33 mi), Regions Bank, TD Bank, BMO.
| Bank | In Houghton Lake | Nearest branch if none here |
|---|---|---|
| Huntington | 1 branch | here |
| Chase | None | Prudenville, 4 miles away |
| Wells Fargo | None | Birmingham, 144 miles away |
| Bank of America | None | Grand Rapids, 100 miles away |
| PNC Bank | None | West Branch, 25 miles away |
| U.S. Bank | None | none in Michigan |
| Truist | None | none in Michigan |
| Fifth Third Bank | None | Cadillac, 33 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 Houghton Lake 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 Lake residents like anyone else.
Banks near Houghton Lake
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Grayling (24 miles) and West Branch (25 miles). West Branch, 25 miles away, has the most banks nearby: 4.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Grayling, MI | 24 mi | 2 | 2 |
| Banks in West Branch, MI | 25 mi | 4 | 5 |
| Banks in Gladwin, MI | 26 mi | 2 | 2 |
| Banks in Rose City, MI | 31 mi | 2 | 2 |
| Banks in Cadillac, MI | 33 mi | 4 | 8 |
| Banks in Clare, MI | 34 mi | 3 | 4 |
| Banks in Evart, MI | 39 mi | 2 | 2 |
| Banks in Standish, MI | 44 mi | 3 | 4 |
Bank branch openings and closings in Houghton Lake
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Houghton Lake 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 Lake
Short answer: 1 institution has its main office in Houghton Lake: North Central Area Credit Union.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| North Central Area Credit Union | Credit union | $269.4 million | 2 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Houghton Lake by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Houghton Lake offices.
Short answer: Huntington is the largest bank with offices in Houghton Lake, with $283.07 billion in total assets on June 30, 2026, No. 15 among U.S. banks by total assets. Horizon Bank is second with $6.55 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Huntington | $283.07 billion | No. 15 | 1 | Columbus, OH |
| Horizon Bank | $6.55 billion | No. 237 | 1 | Michigan City, IN |
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 Lake: FAQ
How many banks are in Houghton Lake, MI?
Houghton Lake has 2 banks with 2 branches and 2 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 Houghton Lake?
Huntington, with 1. Horizon Bank has 1.
Is there a Huntington in Houghton Lake, MI?
Yes. FDIC data lists 1 Huntington branch in Houghton Lake as of September 5, 2026. The address and directions are under Huntington above.
Is there a Horizon Bank in Houghton Lake, MI?
Yes. FDIC data lists 1 Horizon Bank branch in Houghton Lake as of September 5, 2026. The address and directions are under Horizon Bank above.
Is there a Chase in Houghton Lake, MI?
No. FDIC data lists no Chase branch in Houghton Lake as of September 5, 2026. The nearest is in Prudenville, about 4 miles away in a straight line.
Which banks in Houghton Lake are open on Saturday?
Northland Area Credit Union publishes Saturday hours for one or more Houghton Lake locations. The Saturday section above lists each one with its hours. 2 of the 5 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Houghton Lake?
North Central Area Credit Union has its main office in Houghton Lake, according to the FDIC and the NCUA.
What is the oldest bank in Houghton Lake?
Huntington has the longest record among banks with a branch here: the FDIC shows it operating since 1866.
Which credit unions can I join in Houghton Lake?
North Central Area Credit Union and Northland Area Credit Union have offices in Houghton Lake. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Houghton Lake 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 Lake?
Nearby cities with more banks include Grayling, West Branch, Gladwin. Grayling is 24 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 3 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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