First Federal of Northern Michigan


First Federal Savings and Loan in Alpena was founded in 1957 by eleven community leaders who risked their own savings to provide residents of Northeast Michigan with a place to save their money and to borrow for the purchase, repair, or modernization of residential property.

Times have changed some, and we've grown. Now known as First Federal of Northern Michigan, we continue to add new products and services to meet the needs of our communities. Through our branch network, we offer consumer, mortgage, and commercial lending.

First Federal has eight full-service offices located in Northern Michigan—in Alpena, the Main Office on Second Avenue, and a branch office on Ripley Boulevard, Alanson, Cheboygan, Gaylord, Lewiston, Mio, and Oscoda. All of our offices are designed with customer service in mind. Comfortable private offices are provided for all loan officers. We have drive-thru facilities and night depository boxes at all locations. All the offices have ATMs. The Alpena (Main), Mio, Cheboygan, Lewiston, Ripley, and Gaylord offices have safe deposit boxes available for our customers' convenience.

We are extremely proud of having the opportunity to share our commitment to communities throughout Northeast Michigan. We are encouraged by the exciting remarks made by our customers and the general public regarding our positive presence in the area.

As we continue to grow and change, we hope to increase our ability to meet the needs of our customers and the communities in which they reside.

User Ratings

GD Star Rating

HSA Program Features

FDIC or NCUA Insured:
Min Balance to Open:

HSA Interest Rates

Interest rates for various balance tiers
Last checked on: 05-17-2018. Rates may not be current, please check the provider's website for the latest rates.


Monthly Maintenance Fee$0.00
Account Opening FeeUnknown
Account Closing FeeUnknown

HSA Investment Options

Mutual Fund Platform: close   Self-Directed Brokerage: close   CDs: check_box   Other: close

CDs Details

Minimum Balance to open an account and earn interest is $250 for CD terms of up to 18 months, and $500 for terms greater than 18 months.

Contact Information

General Information

Address100 South Second Avenue
Alpena, MI 49707

Customer Service

Mailing Address100 South Second Avenue
Alpena, MI 49707
Phone Number989-356-9041