Bank Branches › Closed and merged banks › Michigan › First Federal of Northern Michigan
What happened to First Federal of Northern Michigan?
First Federal of Northern Michigan in Alpena, MI (earlier called First Federal Savings and Loan Association of Alpena) merged into mBank of Manistique, MI on May 18, 2018. After 1 more change of hands, what was First Federal of Northern Michigan is today part of Nicolet National Bank (Green Bay, WI).
The chain, step by step
From the day it opened to the bank at the end of the chain today. Each step is one entry in the FDIC's record.
- 1957First Federal Savings and Loan Association of Alpena opens in Alpena, MI
- Jan 15, 2001renamed First Federal of Northern Michigan
- May 18, 2018MERGEDFirst Federal of Northern Michigan merged into mBank of Manistique, MI.FDIC certificate 30985 ends; its business continues under certificate 14816.
- Sep 3, 2021MERGEDmBank of Manistique, MI merged into Nicolet National Bank of Green Bay, WI.FDIC certificate 14816 ends; its business continues under certificate 57038.
- TodayOPEN
Nicolet National BankMain office Green Bay, WI · FDIC certificate 57038 · 115 offices in 6 states on June 30, 2026Every Nicolet National Bank office → Website on file with the FDIC: www.nicoletbank.com
If you still have something from First Federal of Northern Michigan
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows First Federal of Northern Michigan as lienholder, start with Nicolet National Bank. In a merger the surviving bank takes over the other bank's loans, so it is the bank to ask for a recordable lien release; if the loan was sold along the way, it can tell you to whom.
The FDIC says it cannot process lien releases for banks that merged or were acquired without government assistance, which is what the record shows here.
Record the release with the same county office that recorded the original mortgage or deed of trust.
An old account, passbook or CD
Ask Nicolet National Bank to search for the account under the name First Federal of Northern Michigan. A passbook or certificate shows an account existed. It doesn't show the money is still there, and the OCC notes that federal rules require banks to keep most account records for five years.
Accounts nobody touches are eventually turned over to a state. The OCC puts the usual wait at three to five years with no activity, set by each state's law. Search the unclaimed-property program of the state of the owner's last known address on the bank's records, and any other state they lived in. It is free to search and to claim through a state's own site, and MissingMoney.com, an official site of the state administrators' association, searches most states at once.
A safe deposit box
Ask Nicolet National Bank which branch now holds boxes from the First Federal of Northern Michigan office you used. The OCC says a box with no activity for three to five years (the period is set by state statute) is likely treated as dormant, and its contents may be turned over to the state's unclaimed-property program.
Box contents are not covered by FDIC insurance.
Not sure this is your bank?
Many banks shared a name. Match the city and the years above against your paperwork, or search again with the town.
Credit unions were never FDIC-insured and are not in this record; the NCUA credit union lookup covers those. Banks that closed before about 1970 are not in the FDIC's list either.
One caution: banks also sell single branches. If the office you used was sold to a different bank along the way, the account went with the branch, not with this chain. The office list below shows which bank each office reports under now.
This page is drawn from FDIC records and federal guidance. It is not legal advice, and BankBranches is not a bank or a government office. More detail: lien releases · old passbooks and CDs · safe deposit boxes · unclaimed money.
Where the guidance comes from ▾
Its offices in the FDIC deposit reports
13 offices filed under this charter in some year from 1994 on. 4 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 468 N Ripley BlvdAlpena, MI | OpenNicolet National Bank |
| 100 South Second AvenueAlpena, MI | OpenNicolet National Bank |
| 2929 S. County Road 489Lewiston, MI | OpenNicolet National Bank |
| 350 S Main StCheboygan, MI | OpenNicolet National Bank |
| 6230 River StreetAlanson, MI | No longer reported |
| 201 North State StreetOscoda, MI | No longer reported |
| 308 N Morenci StreetMio, MI | No longer reported |
| 1000 S Wisconsin AveGaylord, MI | No longer reported |
| 300 South Ripley BoulevardAlpena, MI | No longer reported |
| 625 N William StMancelona, MI | No longer reported |
| 11874 Us 23 S.Ossineke, MI | No longer reported |
| 3950 S Straits HwyIndian River, MI | No longer reported |
| 11874 Us 23 S.Ossineke, MI | No longer reported |
Banks folded into First Federal of Northern Michigan
1 bank merged directly into this charter.
| Bank | Ended |
|---|---|
| Bank of AlpenaAlpena, MI | Aug 9, 2014 |
Source: FDIC BankFind institution and history records, read Nov 15, 2026. The FDIC's list covers banks that ended in about 1970 or later. Look up certificate 30985 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.