North Central Area Credit Union Houghton Lake MI | Affordable Vehicle Loans & Top Personal Banking

Introduction

Welcome to North Central Area, your trusted partner in financial growth and community support! Located at 2665 Reserve Rd, Houghton Lake, MI 48629, our credit union has been serving members since 1956, proudly fostering a sense of belonging and trust among our 20,309 members. With total assets reaching an impressive $236,360,943 and total deposits of $18,022,516, we're dedicated to providing exceptional financial services tailored to your needs. At North Central Area, we prioritize the financial well-being of our community. With 62 employees working diligently to assist you, we are here to help you navigate your financial journey. Our offerings include personal banking options such as checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. Whether you're looking for a reliable loan or a safe place to grow your savings, we've got you covered. Our commitment goes beyond just numbers; we strive to make a positive impact in the lives of our members and the broader Houghton Lake community. Under the leadership of CEO Mark Richter and Board President Stephen Witt, our team is focused on ensuring that every member feels valued and empowered. While members can visit us at our branch location for face-to-face service, official correspondence should be sent to our mailing address: PO Box 817, Houghton Lake, MI 48629. Don't hesitate to reach out! You can contact us at (989) 910-5135 during our lobby hours from 9 a.m. - 5 p.m. Monday through Thursday and until 5:30 p.m. on Fridays. We invite you to explore our website at ncacu.org for more information about how we can assist you in achieving your financial goals. Join us today and experience the difference a dedicated credit union can make!

Branch History & Mission

Commitment to Innovation

In today's fast-paced world, we embrace technology that enhances member experience without losing personal touch. Our services include online banking, mobile payments, and electronic signatures that make managing your finances easier than ever. We are dedicated to ensuring ADA compliance so everyone can access our services comfortably.

Community Involvement

We believe in giving back. Over the years, North Central Area has engaged in various community outreach efforts aimed at improving lives in Houghton Lake and surrounding areas. Whether it's sponsoring local events or supporting local charities, we aim to make a positive impact where it matters most. As we look ahead, we invite you to join us on this journey. Become part of a community-focused credit union that values its members and strives for excellence every day. Experience firsthand how North Central Area can help you achieve your financial aspirations while being an active part of a caring community. For more information about joining or our services, please call us at 989-910-5135 or visit ncacu.org. Together, let's build a brighter financial future!

Our Mission

Our mission at North Central Area is simple yet profound: to enhance the financial well-being of our members while actively supporting the communities we serve. We understand that our success is tied to the success of our members and neighbors. That's why we are committed not just to banking but also to community development through partnerships and outreach initiatives. While you can visit us at our branch location for all your banking needs during our operating hours Monday through Thursday from 9 a.m. to 5 p.m. and Friday until 5:30 p.m., official correspondence should be sent to PO Box 817, Houghton Lake, MI 48629 if you need assistance outside these hours.

Branch Location & Accessibility

Accessibility Features

Our branch is designed with accessibility in mind. You'll find ample parking and features like ramps to ensure everyone can easily access our services. We're committed to making your visit as smooth as possible.

Get in Touch

Have questions? Don't hesitate to give us a call at 989-910-5135. We invite you to visit us soon and discover how we can support your financial journey. Your community credit union is here for you!

Operating Hours

We're here for you Monday through Friday from 9 a.m. to 5:30 p.m., ready to assist with everything from checking and savings accounts to auto loans and credit cards with rewards. Whether you have questions about personal banking or need help with business services, our friendly staff is eager to help.

Services Offered

At North Central Area, we offer a range of services tailored to meet your financial needs. From personal loans and debt consolidation options to mortgage loans and refinancing solutions, we've got you covered. Plus, enjoy the ease of online and mobile banking right at your fingertips!

Member Eligibility

Becoming a member of North Central Area feels like joining a caring family dedicated to your financial well-being. If you live, work, worship, or attend school in the area, you're likely eligible to join us! Our community is open to individuals who value personalized service and want to benefit from our range of offerings, which include checking accounts, auto loans, and credit cards that reward you for your loyalty. For those interested in exploring the specifics of our eligibility criteria, we invite you to visit our website at for the latest details. Once you're ready to take the next step towards membership, opening an account is a breeze! You can easily start the process by visiting us online at https://loans.itsme247.com/135/home/start. Should you have any questions or need assistance along the way, don't hesitate to reach out at (989) 910-5135. We're here to help you every step of the way as you embark on this exciting journey with North Central Area, located at 2665 Reserve Rd Houghton Lake Mi 48629.

Business Banking & Commercial Services

Lending Options That Fuel Growth

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.

Practical Merchant Services

In addition to loans, our merchant services simplify transactions so you can focus on what matters running your business. Imagine processing payments effortlessly while keeping track of your sales all in one place. Our services are designed to make your daily operations smoother and more efficient. Visit us at 2665 Reserve Rd Houghton Lake Mi 48629 in Houghton Lake, MI or call us at (989) 910-5135 to learn how we can help elevate your business today!

Comprehensive List Of Services

Business Banking

We also cater to local businesses with specialized services like merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we provide the financial tools needed for success.

Convenience at Your Fingertips

In today's fast-paced world, convenience is key. Our online and mobile banking platforms ensure that you can manage your finances anytime, anywhere. You can even make ATM cash withdrawals, although we currently do not have ATM facilities at our branch.

Get Started Today!

To learn more about how North Central Area can help you achieve your financial goals, don't hesitate to reach out! Call us at (989) 910-5135 or visit us at 2665 Reserve Rd Houghton Lake Mi 48629 in Houghton Lake, MI. We're here Monday through Friday from 9 a.m. to 5:30 p.m., ready to assist you with all your banking needs. Together, let's build a brighter financial future!

Loans and Credit Options

For those unexpected expenses or plans that require extra cash, our personal loans and debt consolidation options provide flexible solutions tailored to your needs. And if you're looking for a credit card with added benefits, check out our credit cards with rewards, which allow you to earn points for every purchase you make.

Personal Banking

Our personal banking options are tailored to fit your lifestyle. We offer checking and savings accounts that come with flexible features to help you manage your money effortlessly. Imagine having instant access to your funds through our online and mobile banking services. You can check balances, transfer money, and pay bills all from the comfort of your home or on-the-go. When it comes to financing major purchases, our auto loans and vehicle financing options make it easy for you to get behind the wheel of your next car without breaking the bank. Plus, if you're planning to buy a home or refinance an existing mortgage, our mortgage loans and refinancing solutions are designed to help you secure the best rates available.

Digital & Online Banking

Key Services

Our online banking platform gives you the power to manage your money with just a few clicks. You can easily check your account balances, transfer funds, and pay bills all from the comfort of your home or on the go. Need to send money to a friend? Our person-to-person transfers make it simple and quick, ensuring that you stay connected without any hassle. If you prefer using your mobile device, our user-friendly mobile application is here for you. Available for download, it allows you to enjoy the same features as our online banking site right from your smartphone. Plus, with our mobile payments feature, making purchases is easier than ever just tap and go!

Security and Convenience

Your security is our top priority. We provide electronic signature authorization for important transactions, adding an extra layer of safety to your banking experience. And if you want to keep track of your finances while being environmentally conscious, e-statements are available too! Enjoy paperless statements delivered right to your inbox. Whether you're at home or out and about, North Central Area ensures that managing your finances is straightforward and secure. Our commitment to accessibility means you can keep an eye on your accounts in real time, making it easier than ever to stay on top of your financial goals. Experience the convenience of digital banking with us today! Visit https://ncacu.org/ to learn more about how we can help simplify your banking needs.

Financial Strength

Commitment to Efficiency

Our $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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Together

With total share accounts reaching 42,607, we have a strong and growing member base that trusts us with their finances. Additionally, net shares available for lending and investments stand at $347,456, showcasing our ability to support your needs effectively. 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 2665 Reserve Rd Houghton Lake Mi 48629 or call (989) 910-5135 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

Investment in 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 capacity to lend is supported by $4,533 in used auto loans and $156,717,830 in total loans and leases, helping our members achieve their financial goals across various sectors.

Member Savings Secured

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.

Our Financial Health

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

Additional Options

We also offer various refinancing options that can help lower your monthly payments or make managing debt more manageable. Our eligibility requirements are straightforward and designed to accommodate as many members as possible. At North Central Area, we're committed to providing personalized service and expert guidance every step of the way. If you have any questions about our loan products or how they can benefit you, don't hesitate to reach out at (989) 910-5135 or visit us at our branch located at 2665 Reserve Rd Houghton Lake Mi 48629 in Houghton Lake, MI. 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 take the next step toward achieving your financial aspirations!

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 after a reliable used vehicle or a brand-new ride, we have flexible financing solutions that can fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $638,327 provide the capital needed to grow and expand. We know that running a business comes with its own set of challenges, so our team is here to assist you in finding the right financing solution that aligns with your goals.

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 provide guidance through the entire process, ensuring you understand your options and find the right fit for your financial situation.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging. That's why 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 competitive rates and no hidden fees, making it easier for you to stay on top of your spending.

Loan Aggregator

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Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This means you can trust that the offers you see are fair and transparent. By relying on verified financial institutions, LendMesh ensures that users receive genuine loan offers without hidden surprises.