North Central Area Credit Union Houghton Lake MI | Low Mortgage Rates & Quick Auto Loans

Introduction

Welcome to North Central Area, your trusted partner in financial well-being, located at 2671 Reserve Rd, Houghton Lake, MI 48629. Established in 1956, we have proudly served our community for over six decades, building lasting relationships with our members and providing them with the financial tools they need to thrive. At North Central Area, we prioritize our members above all else. With a total membership of 20,309, we understand that each person's financial journey is unique. Whether you're looking for personal banking solutions like checking and savings accounts, or loans for vehicles and mortgages, we've got you covered. Our total assets amount to an impressive $236,360,943, ensuring that we have the resources to meet your needs. Our commitment to excellent service is reflected in our dedicated team of 62 employees, led by our CEO Mark Richter and Board President Stephen Witt. Together, they foster a welcoming environment where every member feels valued and understood. We are not just here to provide services; we are here to build a community. If you're looking for reliable banking solutions that cater specifically to your needs whether it's securing a loan from our total of 13,153 loans and leases or managing your savings with our total deposits reaching $18,022,516 you can trust us to be there every step of the way. And with a net worth of $25,341,774 and cash in hand amounting to $1,236,230, we stand strong in our ability to support you. While members can visit us at our branch location for personal interactions and services including drive-thru banking and ATM access, official correspondence should be sent to the same address: 2671 Reserve Rd, Houghton Lake, MI 48629. We invite you to explore more about what we offer on our website North Central Area. If you have any questions or wish to discuss your financial goals with one of our experts, don't hesitate to give us a call at (989) 366-9646. We look forward to helping you achieve your financial dreams!

Branch History & Mission

Join Us!

Our dedicated team is here to assist you during our operating hours: 9 a.m. - 5 p.m. Monday through Thursday and 9 a.m. - 5:30 p.m. on Friday. We also offer convenient ATM access and drive-thru banking services for your convenience. If you're looking for a credit union that truly cares about its members and community, look no further than North Central Area Credit Union. We invite you to join us today and experience all the benefits we have to offer! For more information or assistance, feel free to call us at 989-366-9646 or visit our website at ncacu.org.

Our Journey

Since opening our doors, we have achieved significant milestones that reflect our commitment to serving the needs of our members and the wider community. With total assets now exceeding $236 million, we continue to expand our services and offerings. Our growth is not just measured in numbers; it's reflected in the relationships we've built with our members. We pride ourselves on being accessible and responsive to the financial needs of those we serve. Over the years, we've embraced advancements in technology while ensuring that personal touch remains at the heart of our services. Our digital banking solutions allow members to manage their finances anytime, anywhere whether through online banking or mobile payments. We also ensure that our facilities are ADA compliant, making banking accessible for everyone.

Our Mission

At North Central Area Credit Union, our mission is simple yet powerful: to provide exceptional financial services while fostering a strong sense of community. We believe in empowering our members through education, support, and resources that help them achieve their financial goals. Whether it's securing an auto loan or opening a savings account, we strive to make every experience positive and rewarding. We actively participate in community outreach initiatives and partnerships that enhance the lives of those around us. By supporting local events and charities, we reinforce our commitment to giving back and uplifting our neighbors. While members can visit us at 2671 Reserve Rd, official correspondence should be sent to 2671 Reserve Rd, Houghton Lake, MI 48629 if needed.

Branch Location & Accessibility

Welcome to the Houghton Lake Branch of North Central Area Credit Union! Conveniently located at 2671 Reserve Rd in the charming city of Houghton Lake, MI, our branch is designed with your needs in mind. Whether you're a long-time member or considering joining us, we invite you to stop by and see what we have to offer. Nestled near local landmarks and easily accessible from major roadways, our location is ideal for residents of Roscommon County. Ample parking is available, ensuring that your visit is as smooth as possible. We also prioritize accessibility for all members, featuring ADA-compliant ramps and pathways to make your experience comfortable. At North Central Area Credit Union, we understand that your time is valuable. That's why our lobby hours are convenient: open from 9 a.m. to 5 p.m., Monday through Thursday, and until 5:30 p.m. on Fridays. If you prefer banking on-the-go, we also offer ATM access and drive-thru banking services for quick deposits and withdrawals without leaving your vehicle. For any official correspondence, please send mail to the same address: 2671 Reserve Rd, Houghton Lake, MI 48629. Our friendly staff is ready to assist you with a variety of services including personal banking options like checking and savings accounts, auto loans, mortgages, credit cards with rewards, and even business banking solutions. Feel free to reach out at 989-366-9646 if you have any questions or need assistance before your visit. We look forward to welcoming you into our community-focused branch!

Member Eligibility

Becoming a member of North Central Area is like joining a close-knit family where your financial well-being is our top priority. Here at North Central Area, located at 2671 Reserve Rd Houghton Lake Mi 48629, we welcome individuals who share our values and community spirit. Whether you live, work, or worship in the area, you might qualify for membership. It's all about creating connections and supporting one another, so if you have ties to our community, we'd love to have you on board! For more specific details on eligibility requirements, feel free to check out our resource at . Opening an account is a breeze! You can start the process online by visiting https://loans.itsme247.com/135/home/start or give us a call at (989) 366-9646 if you have any questions. We're excited to help you take this step toward a brighter financial future with us at North Central Area!

Business Banking & Commercial Services

Financing Options Tailored for You

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 That Make a Difference

Imagine being able to process payments easily while focusing on what you do best running your business. Our merchant services offer just that. From card processing solutions to online payment options, we help streamline transactions so you can keep your customers happy and your operations smooth. Visit us at 2671 Reserve Rd Houghton Lake Mi 48629 or give us a call at (989) 366-9646 to learn how our business banking services can empower your enterprise today!

Comprehensive List Of Services

Business Solutions Tailored for You

At North Central Area, we also recognize the importance of supporting local businesses. Our Business Banking services include merchant services and business loans that can help take your enterprise to the next level. Whether you're starting out or looking to expand, we have resources available to assist you.

Convenient Access Anytime

Our branch at 2671 Reserve Rd Houghton Lake Mi 48629 in Houghton Lake not only offers friendly face-to-face service but also features convenient options like an ATM and drive-thru banking for quick transactions such as deposits and withdrawals. If you're a member of a partner credit union, you can benefit from basic shared branch transactions too! In today's fast-paced world, convenience matters. That's why we've integrated digital features like ATM & Cash Withdrawal Services, ensuring that accessing your money is as effortless as possible.

Financing Your Dreams

If you're considering buying a car or refinancing an existing loan, our Auto Loans & Vehicle Financing options are designed with you in mind. We provide competitive rates and flexible terms that make it easier for you to get behind the wheel of your dream vehicle. Similarly, our Mortgage Loans & Refinancing services help turn the dream of homeownership into reality. Whether you're a first-time buyer or looking to refinance an existing mortgage for better rates, we've got you covered.

Personal Banking Made Easy

We understand that managing personal finances can sometimes feel overwhelming. That's why we offer Personal Banking options like checking and savings accounts that fit your lifestyle. Imagine having easy access to your funds whenever you need them. With our online and mobile banking services, you can check balances, transfer money, and pay bills right from your smartphone or computer.

Smart Financial Choices

For those times when unexpected expenses arise or when you're looking to consolidate debt, our Personal Loans & Debt Consolidation solutions provide a straightforward path towards financial relief. Plus, with our Credit Cards with Rewards, every purchase brings you closer to rewards that can enhance your lifestyle.

Stay Connected

We invite you to explore all these offerings and more at Houghton Lake Branch. If you have any questions or need assistance with any of our services, don't hesitate to reach out at (989) 366-9646. We're here to help you navigate your financial journey with confidence! Join us today at North Central Area, where your financial well-being is our top priority!

Digital & Online Banking

Key Features

Enjoy the peace of mind that comes with secure online banking, available 24/7. Whether you're checking your balance, paying bills, or transferring money, our system is built to keep your information safe while offering easy navigation. Need to sign documents? With our electronic signature authorization, you can do it all from the comfort of your home. Do you prefer going paperless? Take advantage of our e-statements for quick access to your account statements without the clutter. Plus, if you're on the go, our mobile application makes banking even more accessible. You can manage your accounts right from your smartphone and even use mobile payments for hassle-free transactions.

Stay Connected

Connecting with friends and family is easier than ever with our person-to-person transfer feature. Send money directly to anyone, anytime no need for cash or checks! At North Central Area, we believe that banking should adapt to your lifestyle. Our commitment to providing efficient digital solutions means you can focus on what matters most while having full access to your financial needs. Experience the convenience of modern banking today!

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 available to you.

Growing Membership Base

Total Share and Deposit Accounts stand at 42,607, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments) amount to $347,456, indicating robust support for your borrowing needs. 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 2671 Reserve Rd Houghton Lake Mi 48629 or call (989) 366-9646 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 $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.

Solid 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

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 interested in financing a brand-new vehicle or looking for a reliable used option, our team is here to guide you through the process. We also provide refinancing options if you're looking to lower your monthly payments or secure better terms.

Business Loans

For business owners, our outstanding commercial loans totaling $638,327 provide the capital needed to grow and expand. We understand that running a business comes with its own set of challenges, and we're here to support you with tailored loan solutions that fit your business needs. At North Central Area, we are committed to providing clear information and excellent service. For more details about our loan offerings or to start your application process today, feel free to reach out at (989) 366-9646 or visit us at 2671 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 dreams!

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're dedicated to making home financing accessible and affordable for our members. If you're considering refinancing your existing mortgage, we have flexible options available to help you save money.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging, but we offer flexible terms on unsecured credit card loans, with a total of $6,585,266 in loans helping members manage their finances effectively. Our credit cards come with rewards and low-interest rates, making them a smart choice for those who want to keep their spending in check while earning benefits.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

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 commitment to sourcing data from reliable institutions guarantees that you receive fair and transparent offers. The platform continuously updates its information, ensuring that you see the most current rates available.