7 banks and credit unions have branches in Houghton. The Bank Fee Index holds published fees for 5 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Michigan
Houghton counts institutions with a branch here, wherever headquartered. Michigan counts institutions headquartered in the state.
Houghton
5 institutions with a branch here
$30
Michigan
126 institutions headquartered in Michigan
$27.25
U.S.
3,350 institutions in the index
$27.50
Chosen as the fee whose Houghton median sits furthest from Michigan's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Houghton with Michigan and the U.S. Each amount below links to the fee schedule it was read from, and an empty cell says why.
Three published overdraft fees: $25–$30.
Medians for reference: Michigan $29 · U.S. $30
Local median not shown; five institutions required.
7 institutions, 3 with a published overdraft fee.
Bank · based in Hancock, MI · 2 branches here
Bank · based in Wausau, WI · 1 branch here
Account not yet known
“Paid Item Fee: overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means; | $25 per item”
Bank · based in Hicksville, NY · 1 branch here
Account not yet known
“assess an Overdraft Charge of $30 per Item. However, we will not charge you more than three Overdraft”
Bank · based in Marquette, MI · 1 branch here
Bank · based in Iron River, MI · 1 branch here
Bank · based in Escanaba, MI · 1 branch here
Credit union, membership rules apply · based in Houghton, MI · 1 branch here
Account not yet known
“Overdraft Tolerance (per item) | $30.00”
Largest banks by local bank deposits
Share of the $316 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Houghton County
Deposits and branches cover the City of Houghton. Population and income cover Houghton County, the county with most of Houghton's bank branches, not the city alone. This is background. None of it sets or explains a fee.
Bank deposits
Change at branches here, 2021 to 2026
Bank branches
Change in branch count, 2016 to 2026
Population
Change between the 2022 and 2024 Census estimates
Median household income
Census estimate, 2024
Deposits and branches: FDIC Summary of Deposits, 2026 and earlier years. Population and income: Census American Community Survey 5-year estimates for Houghton County.
Work at a bank or credit union here?
Hamilton, the Fee Insight workspace, sets an institution's own fees beside every institution in this market, with the source for each figure.
Choosing an account?
Open any institution above to see all of its published fees and where each one came from.
Search institutions