US Bank Directory
Banks in Oscoda, MI
2 FDIC-insured banks operate 2 offices in Oscoda, Michigan, and 3 credit unions have 4 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: Oscoda
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: 5 banks and credit unions operate 6 locations in Oscoda, according to the FDIC and the NCUA. 6 of them have coordinates on record and are on the map. 5 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
6 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 Oscoda
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: PNC Bank and Huntington have the most locations in Oscoda, 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.
Alpena-alcona Area Credit Union Credit union · 2
Alpena-alcona Area Credit Union has 2 officees in Oscoda, 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 Oscoda locations with published hours open on Saturday.
Who can join: see the credit union's site.
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Oscoda Office103 S State St, 48750
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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Owl'S Nest3550 E River Rd, 48750
All hours
Mon not published; Tue 11 am to 12:30 pm; Wed not published; Thu 11 am to 12:30 pm; Fri to Sun not published
Hours: NCUA, March 31, 2026
Huntington Bank · 1
Huntington has 1 branch in Oscoda, 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 Oscoda Branch at 4452 Cr-F41 dates to 1990 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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Oscoda Branch4452 Cr-F41, 48750
Northland Area Credit Union Credit union · 1
Northland Area Credit Union has 1 office in Oscoda, 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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Oscoda Branch4346 F 41, 48750
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
PNC Bank Bank · 1
PNC Bank has 1 branch in Oscoda, 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 Oscoda Main Branch at 328 S State St dates to 1889 in FDIC branch records. It opens on Saturday.
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Oscoda Main Branch328 S State St, 48750
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published
Hours: PNC Bank branch locator (All The Places), checked Oct 3, 2026
Wolverine State Credit Union Credit union · 1
Wolverine State Credit Union has 1 office in Oscoda, 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. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Wolverine State Credit Union201 N State St, 48750
All hours
Mon to Fri 8:30 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Oscoda
3 credit unions have 4 offices here: Alpena-alcona Area Credit Union, Northland Area Credit Union and Wolverine State 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 Oscoda page has every office in the state's directory.
Banking in Oscoda: the local picture
Short answer: 2 banks run 2 branches in Oscoda 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 Oscoda and 2 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 328 S State St, dating to 1889; the newest is Huntington's at 4452 Cr-F41, from 1990.
3 credit unions have 4 offices in Oscoda, according to the NCUA. Who can join each one is on the credit unions page.
Of the 5 locations with published hours. 3 open on Saturday. 1 location has no published hours in these sources.
Banks and credit unions open on Saturday in Oscoda
Short answer: 3 of the 5 Oscoda locations with published hours open on Saturday, run by 3 institutions.
- PNC Bank: 1 of 1 branch (328 S State St: Saturday 9 am to 1 pm)
- Alpena-alcona Area Credit Union: 1 of 2 offices (103 S State St: Saturday 8:30 am to 12 pm)
- Northland Area Credit Union: 1 of 1 office (4346 F 41: 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; 1 of the 6 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 Oscoda, and where the nearest one is if they do not.
Short answer: In Oscoda: PNC Bank (1), Huntington (1). No branches in Oscoda: Chase (nearest in Prudenville, 66 mi), Wells Fargo (nearest in Birmingham, 131 mi), Bank of America (nearest in Lake Orion, 115 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in Bay City, 62 mi), Regions Bank, TD Bank, BMO.
| Bank | In Oscoda | Nearest branch if none here |
|---|---|---|
| PNC Bank | 1 branch | here |
| Huntington | 1 branch | here |
| Chase | None | Prudenville, 66 miles away |
| Wells Fargo | None | Birmingham, 131 miles away |
| Bank of America | None | Lake Orion, 115 miles away |
| U.S. Bank | None | none in Michigan |
| Truist | None | none in Michigan |
| Fifth Third Bank | None | Bay City, 62 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 Oscoda 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 Oscoda residents like anyone else.
Banks near Oscoda
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Tawas City (14 miles) and Au Gres (31 miles). West Branch, 45 miles away, has the most banks nearby: 4.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Tawas City, MI | 14 mi | 2 | 2 |
| Banks in Au Gres, MI | 31 mi | 2 | 2 |
| Banks in Caseville, MI | 34 mi | 2 | 2 |
| Banks in Rose City, MI | 39 mi | 2 | 2 |
| Banks in Pigeon, MI | 42 mi | 3 | 3 |
| Banks in Standish, MI | 44 mi | 3 | 4 |
| Banks in Alpena, MI | 44 mi | 3 | 4 |
| Banks in West Branch, MI | 45 mi | 4 | 5 |
Bank branch openings and closings in Oscoda
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Oscoda between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Oscoda by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Oscoda offices.
Short answer: PNC Bank is the largest bank with offices in Oscoda, 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 |
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 Oscoda: FAQ
How many banks are in Oscoda, MI?
Oscoda has 2 banks with 2 branches and 3 credit unions with 4 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 Oscoda?
PNC Bank, with 1. Huntington has 1.
Is there a PNC Bank in Oscoda, MI?
Yes. FDIC data lists 1 PNC Bank branch in Oscoda as of September 5, 2026. The address and directions are under PNC Bank above.
Is there a Huntington in Oscoda, MI?
Yes. FDIC data lists 1 Huntington branch in Oscoda as of September 5, 2026. The address and directions are under Huntington above.
Is there a Chase in Oscoda, MI?
No. FDIC data lists no Chase branch in Oscoda as of September 5, 2026. The nearest is in Prudenville, about 66 miles away in a straight line.
Which banks in Oscoda are open on Saturday?
PNC Bank, Alpena-alcona Area Credit Union and Northland Area Credit Union publish Saturday hours for one or more Oscoda locations. The Saturday section above lists each one with its hours. 1 of the 6 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Oscoda?
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 Oscoda?
Alpena-alcona Area Credit Union, Northland Area Credit Union and Wolverine State Credit Union have offices in Oscoda. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Oscoda 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 Oscoda?
Nearby cities with more banks include Tawas City, Au Gres, Caseville. Tawas City is 14 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 4 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 2 branches: PNC Bank) | 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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