North Central Area Credit Union Grayling MI | Best Auto Loans & Business Banking

Introduction

Welcome to North Central Area, your trusted credit union located at 505 Clyde St, Grayling, MI 49738. Established in 1956, we have been committed to serving our community for over six decades. With a total membership of 20,309 members, we pride ourselves on building lasting relationships and providing personalized financial services tailored to meet your unique needs. At North Central Area, we understand that financial decisions are significant. That's why we offer a wide array of services, from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. Our total assets stand at an impressive $236,360,943, backed by $18,022,516 in deposits and a solid net worth of $25,341,774. We also maintain a robust loan portfolio with 13,153 loans and leases available to help you achieve your financial goals. Under the leadership of our CEO, Mark Richter, and Board President, Stephen Witt, our dedicated team of 62 employees is here to support you every step of the way. We aim to provide not just financial solutions but also peace of mind. While members can visit us at our Grayling branch for all their banking needs, official correspondence should be sent to the same address: 505 Clyde St, Grayling, MI 49738. If you have any questions or need assistance, feel free to reach out at (989) 348-7488. Join us today and experience the difference that comes with being part of a community-focused credit union! Visit our website at ncacu.org or stop by to learn more about how we can serve you better.

Branch History & Mission

Join Us

We invite you to become part of our family at North Central Area. Experience firsthand how we can help you navigate your financial journey while being actively involved in your community. Whether you're looking for personal loans or business banking solutions, we are here for you every step of the way. For more information or assistance, feel free to contact us at 989-348-7488 or explore our website at ncacu.org. Together, let's build a brighter financial future!

Our Journey

The journey of North Central Area began with a vision to create a member-focused credit union that prioritizes the needs of the community. Over the decades, we have expanded our offerings and adapted to the changing landscape of financial services while staying true to our roots. From humble beginnings, we have made significant strides in enhancing our services, including personal banking options such as checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. As we evolved, so did our facilities. We are proud to offer convenient features like drive-thru banking and ATM availability, ensuring that accessing your funds is easy and hassle-free. Our branch is also equipped with ADA-compliant technology to cater to all members of our community.

Our Mission

At North Central Area, our mission goes beyond just providing financial services; it's about making a positive impact in Grayling and surrounding areas. We believe in building strong relationships with our members while promoting financial literacy and supporting local initiatives. Our focus on community outreach allows us to partner with various organizations to provide assistance where it's needed most. While members can visit us at 505 Clyde St, official correspondence should be sent to the same address as our mailing address. We welcome you during our operating hours: Monday through Thursday from 9 AM to 5 PM and Fridays from 9 AM to 5:30 PM.

Branch Location & Accessibility

Accessibility and Features

Our branch is fully accessible, featuring ADA-compliant entrances and ramps to ensure that everyone can visit us with ease. We offer ample parking right outside, making it simple for you to pop in for your banking needs. Plus, if you prefer the convenience of banking from your car, our drive-thru service is available for quick transactions like deposits and withdrawals.

Call to Action

If you're looking for a credit union that feels like home, come visit us at North Central Area's Grayling Branch! For any inquiries or assistance before your visit, feel free to give us a call at 989-348-7488. We can't wait to welcome you!

Operating Hours

At the Grayling Branch, we know your time is valuable. That's why we are open Monday through Thursday from 9 AM to 5 PM and Friday until 5:30 PM. Whether you're stopping by early in the week or gearing up for the weekend, we're here to help you with all your financial needs.

Services Offered

We provide a range of services tailored just for you! From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Our friendly staff is always ready to assist with personal loans, credit cards with rewards, and even business banking options. Plus, enjoy the convenience of ATM access right at our branch.

Member Eligibility

Joining the North Central Area family is a step towards becoming part of a caring and supportive community. To become a member, you simply need to meet some friendly eligibility criteria. Typically, anyone who lives, works, worships, or attends school in the area is welcome to join us. We're all about inclusivity here at North Central Area, so whether you're looking for personal banking solutions or business services, we have something for everyone. If you want to explore more about the specific eligibility requirements, feel free to check out our detailed information here. Opening an account with us is straightforward and hassle-free. Just visit our account opening page here to get started! If you have any questions along the way or prefer to speak with someone directly, don't hesitate to call us at (989) 348-7488. We're excited to welcome you into our community at North Central Area, located at 505 Clyde St Grayling Mi 49738!

Business Banking & Commercial Services

Member and Non-Member Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $6 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $3 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $638,327, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services Made Easy

In addition to loans, we offer robust merchant services that make transactions smooth for your business. Imagine being able to accept payments quickly and efficiently, whether it's through card readers or mobile payment options. Our services simplify cash flow management so you can focus on what matters most growing your business. Located at 505 Clyde St Grayling Mi 49738 in Grayling, MI, we're here to partner with you on your journey. Contact us at (989) 348-7488 to learn more about how we can support your business goals today!

Comprehensive List Of Services

Business Banking

For small business owners, we understand how vital it is to have reliable banking support. Our business banking services, including merchant services and business loans, are crafted to help your business thrive. From managing cash flow to financing growth opportunities, we've got your back.

Convenience Features

At Grayling Branch, convenience is key. Our branch offers an ATM for easy cash withdrawals and balance checks whenever you need them. Plus, enjoy the ease of our drive-thru banking, which allows for quick deposits and withdrawals without leaving your car. And if you're a member of another credit union that partners with us, our shared branch transactions ensure that you can access funds easily while traveling or at work. Whether you're visiting us at our Grayling location or accessing services online from anywhere in the world, we prioritize making banking simple and accessible for everyone. If you're ready to explore how we can assist you with any of these services or have questions about getting started, don't hesitate to call us at (989) 348-7488 or visit us today! Join us at North Central Area, where we believe in building strong financial futures together!

Credit Cards

Our credit cards with rewards not only help you manage your purchases but also offer benefits that can enhance your spending experience. Earn points on everyday purchases that you can redeem for various rewards making each transaction worthwhile.

Home Financing

If homeownership is on your mind, consider our mortgage loans and refinancing services. Whether you are buying your first home or looking to refinance an existing mortgage, our knowledgeable staff can guide you through the process. We take pride in offering personalized service that caters to your specific situation.

Personal Banking

When it comes to personal banking, we offer checking and savings accounts designed for every lifestyle. Imagine having easy access to your funds through our online and mobile banking platforms. With just a few taps on your smartphone, you can manage your account, pay bills, and transfer money seamlessly. For those planning to purchase a vehicle, our auto loans and vehicle financing options make it easy and affordable. We understand that buying a car is a significant step, and we're here to help you find the right loan with competitive rates.

Personal Loans

For those unexpected expenses or plans that require extra cash, we provide personal loans and debt consolidation options. Life can throw curveballs, but with our flexible terms and quick approval process, you can tackle those challenges head-on without stress.

Digital & Online Banking

Key Features

Our online banking platform makes it easy for you to access your accounts anytime. You can check balances, transfer funds, and pay bills with just a few clicks. Plus, with electronic signature authorization available, signing documents has never been simpler or more secure. For those who prefer paperless options, we offer e-statements that allow you to view your financial information without the clutter of paper statements. It's an eco-friendly choice that also helps you stay organized.

Mobile Banking Convenience

We know life is busy, which is why our mobile application provides all the features of online banking right in your pocket. Whether you're using mobile payments or making person-to-person transfers, our app ensures that your money moves quickly and securely. With our mobile payments feature, paying friends or handling purchases is fast and easy no need for cash or checks. And if you ever have questions or need assistance, our support team is just a phone call away at (989) 348-7488. In summary, North Central Area offers robust digital and online banking services that prioritize security while providing the convenience you deserve. Explore all these features today and take control of your finances like never before!

Financial Strength

Commitment to Growth

With $14,219,455 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $4,533 in used auto loans and $156,717,830 in total loans and leases.

Growing Membership

Our member base continues to grow, with a total of 42,607 accounts showing that more people are choosing North Central Area as their trusted financial partner. With net shares available for lending and investments amounting to $347,456, we are well-positioned to help you achieve your financial aspirations. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, North Central Area is your trusted partner. Visit us at 505 Clyde St Grayling Mi 49738 or call (989) 348-7488 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

Members' savings are secured through $52,953,883 in share certificates and $28,573,809 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $539,412, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our impressive $2,355,148 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 56 full-time employees and 6 part-time employees who ensure our branches are always ready to serve you with a knowledgeable and committed team.

Strong Financial Position

With a net worth of $25,341,774, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,071 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $71,544,823 in used vehicle loans and $7,722,268 in new vehicle loans already helping members get on the road. Whether you're looking for financing for a brand-new ride or a reliable used vehicle, we can assist you in finding the perfect loan option.

Business Loans

For business owners, our outstanding commercial loans totaling $638,327 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to enhance your existing business operations, we have solutions that cater specifically to small businesses.

Conclusion

At North Central Area, our mission is to support you every step of the way through your financial journey. Explore our diverse loan offerings at our branch located at 505 Clyde St Grayling Mi 49738, Grayling, MI, or give us a call at (989) 348-7488 for more information. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you find the right financing solution today!

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $6,585,266 in loans helping members manage their finances effectively. These cards come with various benefits and rewards that can enhance your spending power while keeping your finances in check.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $17,806,996, make buying or refinancing simple. We offer competitive rates and flexible terms that fit your budget. If you're considering refinancing your current mortgage, our team can help determine eligibility and guide you through the process.

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