US Bank Directory
Banks in Lincoln, MI
1 FDIC-insured bank operates 1 office in Lincoln, Michigan, and 1 credit union has 2 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026.
Bank branch map: Lincoln
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: 2 banks and credit unions operate 3 locations in Lincoln, according to the FDIC and the NCUA. 1 of them has coordinates on record and is on the map. 2 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
1 location 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 Lincoln
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Huron Community Bank is the only bank with an office in Lincoln. 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 · 2
Alpena-alcona Area Credit Union has 2 officees in Lincoln, 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. 1 of its 2 Lincoln locations with published hours open on Saturday.
Who can join: see the credit union's site.
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Lincoln Office111 S Church St, 48742
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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Tiger Branch51 N Barlow Road, 48742
All hours
Mon 11:02 am to 12:34 pm; Tue not published; Wed 11:02 am to 12:34 pm; Thu not published; Fri 10:28 am to 11:43 am; Sat to Sun not published
Hours: NCUA, March 31, 2026
Huron Community Bank Bank · 1
Huron Community Bank has 1 branch in Lincoln, 8 across Michigan and 8 nationwide. FDIC records list its main office in East Tawas, MI and show it operating since 1927. With $323.3 million in total assets on June 30, 2026, it ranks No. 2,376 of 4,232 U.S. banks by total assets. The Lincoln Branch at 327 W Traverse Bay Rd dates to 1993 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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Lincoln Branch327 W Traverse Bay Rd, 48742
Join a credit union in Lincoln
1 credit union has 2 offices here: Alpena-alcona 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 Lincoln page has every office in the state's directory.
Banking in Lincoln: the local picture
Short answer: 1 bank runs 1 branch in Lincoln according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Huron Community Bank has its main office in East Tawas, MI, according to the FDIC.
The bank with the longest record here is Huron Community Bank, operating since 1927 according to the FDIC.
The only credit union with an office here is Alpena-alcona Area Credit Union.
Of the 2 locations with published hours. 1 opens on Saturday. 1 location has no published hours in these sources.
Credit unions open on Saturday in Lincoln
Short answer: 1 of the 2 Lincoln locations with published hours opens on Saturday, run by 1 institution.
- Alpena-alcona Area Credit Union: 1 of 2 offices (111 S Church St: Saturday 8:30 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; 1 of the 3 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 Lincoln, and where the nearest one is if they do not.
Short answer: No branches in Lincoln: Chase (nearest in Prudenville, 66 mi), Wells Fargo (nearest in Birmingham, 148 mi), Bank of America (nearest in Lake Orion, 133 mi), PNC Bank (nearest in Oscoda, 19 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in Gaylord, 66 mi), Huntington (nearest in Oscoda, 17 mi), Regions Bank, TD Bank, BMO.
| Bank | In Lincoln | Nearest branch if none here |
|---|---|---|
| Chase | None | Prudenville, 66 miles away |
| Wells Fargo | None | Birmingham, 148 miles away |
| Bank of America | None | Lake Orion, 133 miles away |
| PNC Bank | None | Oscoda, 19 miles away |
| U.S. Bank | None | none in Michigan |
| Truist | None | none in Michigan |
| Fifth Third Bank | None | Gaylord, 66 miles away |
| Huntington | None | Oscoda, 17 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 Lincoln 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 Lincoln residents like anyone else.
Banks near Lincoln
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 (18 miles) and Alpena (26 miles). West Branch, 49 miles away, has the most banks nearby: 4.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Oscoda, MI | 18 mi | 2 | 2 |
| Banks in Alpena, MI | 26 mi | 3 | 4 |
| Banks in Tawas City, MI | 29 mi | 2 | 2 |
| Banks in Rose City, MI | 39 mi | 2 | 2 |
| Banks in Au Gres, MI | 46 mi | 2 | 2 |
| Banks in West Branch, MI | 49 mi | 4 | 5 |
| Banks in Caseville, MI | 52 mi | 2 | 2 |
| Banks in Standish, MI | 55 mi | 3 | 4 |
Bank branch openings and closings in Lincoln
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Lincoln between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Lincoln by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Lincoln offices.
Short answer: Huron Community Bank is the largest bank with offices in Lincoln, with $323.3 million in total assets on June 30, 2026, No. 2,376 among U.S. banks by total assets. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Huron Community Bank | $323.3 million | No. 2,376 | 1 | East Tawas, 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 Lincoln: FAQ
How many banks are in Lincoln, MI?
Lincoln has 1 bank with 1 branch and 1 credit union with 2 offices, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Is there a Huron Community Bank in Lincoln, MI?
Yes. FDIC data lists 1 Huron Community Bank branch in Lincoln as of September 5, 2026. The address and directions are under Huron Community Bank above.
Is there a Chase in Lincoln, MI?
No. FDIC data lists no Chase branch in Lincoln as of September 5, 2026. The nearest is in Prudenville, about 66 miles away in a straight line.
Which banks in Lincoln are open on Saturday?
Alpena-alcona Area Credit Union publishes Saturday hours for one or more Lincoln locations. The Saturday section above lists each one with its hours. 1 of the 3 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Lincoln?
Huron Community Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1927.
Which credit unions can I join in Lincoln?
Alpena-alcona Area Credit Union has an office in Lincoln. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Lincoln 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 Lincoln?
Nearby cities with more banks include Oscoda, Alpena, Tawas City. Oscoda is 18 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 |
| 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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