NORTH CENTRAL AREA CREDIT UNION - Roscommon, MI

Welcome to North Central Area, your trusted financial partner located at 129 Lake St, Roscommon, MI 48653. Since our establishment in 1956, we've been dedicated to serving our community with a range of banking services tailored to meet the unique needs of our members. With over 20,309 members and total assets exceeding $236 million, we pride ourselves on providing personalized service that reflects our commitment to you. At North Central Area, we understand that managing your finances can be daunting. That's why we're here to simplify the process. Whether you're looking for competitive auto loans, reliable mortgage options, or basic checking and savings accounts, we've got you covered. Our financial offerings are designed to empower you, helping you achieve your financial goals with ease. Our CEO, Mark Richter, along with Board President Stephen Witt, leads a team of 62 dedicated employees who are passionate about making a difference in our community. Together, we strive to create an environment where every member feels valued and supported. While members can visit us at our branch location, official correspondence should be sent to the same address: 129 Lake Street, Roscommon, MI 48653. We encourage you to explore our website at ncacu.org for more information on our services or to take advantage of online banking features. As a member-focused credit union, we believe in building lasting relationships within our community. With total deposits of $18 million and net worth reaching $25 million, we are financially strong and ready to serve you. Our commitment goes beyond numbers; it's about fostering trust and reliability in every interaction. Feel free to reach out by phone at (989) 275-5169 or visit us during our lobby hours from 9 a.m. to 5:30 p.m., Monday through Friday. We invite you to join us on this journey toward financial wellness because at North Central Area, your success is our success!

At North Central Area, our journey began in 1956 in the heart of Roscommon, MI. Over the decades, we have grown from a small credit union into a trusted financial partner for over 20,000 members. Our branch is conveniently located at 129 Lake St, just a stone's throw away from the vibrant downtown area and local parks, making it accessible for all community members. Our mission is simple yet powerful: to provide exceptional financial services while fostering a sense of community. We believe that by supporting our members' financial well-being, we can also uplift the communities we serve. Our commitment goes beyond just banking; we strive to make meaningful contributions through various outreach programs and partnerships that address local needs. Since opening our doors, we have achieved remarkable milestones. With total assets reaching $236,360,943, we are well-equipped to offer a range of services including personal banking, auto loans, mortgages, and business banking solutions. We also ensure that our members have access to modern conveniences such as online banking and mobile payments. Our drive-thru service allows for quick transactions without leaving your vehicle, enhancing accessibility for everyone. In keeping with our dedication to inclusivity, we are proud to be an ADA-compliant facility. This ensures that all members of our community can access our services comfortably and safely. Additionally, our shared service center allows members of partner credit unions to benefit from our resources too. While you can visit us at our branch address for any financial needs or inquiries, official correspondence should be directed to 129 Lake Street, Roscommon, MI 48653 if different from our main location. As we look towards the future, we invite you to join us on this journey. Experience the many benefits of being part of North Central Area. Together, we can achieve financial success while building a stronger community. Feel free to reach out at 989-275-5169 or explore more about us at ncacu.org. Let's take the next step together!

At North Central Area, we believe that becoming a member means joining a caring community focused on your financial well-being. If you're looking to enjoy the benefits of membership, you'll be glad to know that eligibility is designed to be inclusive and straightforward. Residents of Roscommon and surrounding areas are welcome, as well as those who work or worship in the community. This means that if you have a connection to our area, you're likely eligible to join us! For a more detailed look at the specific criteria, feel free to check out our website at . Getting started with your membership is easy! Simply reach out to us by calling (989) 275-5169, or visit us at our branch located at 129 Lake St Roscommon Mi 48653. Once you're ready, you can open your account online through this link: https://loans.itsme247.com/135/home/start . We're excited to welcome you into our family and help you take advantage of all the great services we offer!

At North Central Area, we understand that managing your finances should be as easy and secure as possible. That's why we offer a comprehensive suite of digital and online banking services designed to fit your busy lifestyle. Whether you're at home or on the go, you can access your accounts anytime, anywhere through our user-friendly online platform. With our online banking services available 24/7 at https://ncacu.org/ , you can check balances, pay bills, and transfer funds without ever stepping foot in a branch. Our electronic signature authorization makes signing documents quick and convenient, saving you time while ensuring your transactions are safe. Plus, if you prefer to keep track of your finances digitally, we provide e-statements for easy access to your account information. For those who love the convenience of mobile banking, our mobile application is ready to help you manage your money with just a few taps on your smartphone. You can make mobile payments effortlessly and even send money to friends or family through our person-to-person transfer feature. Imagine splitting dinner bills or sending a birthday gift without needing cash it's all possible with North Central Area's digital tools! Security is at the forefront of our services. We utilize robust encryption and security measures so you can bank with confidence, knowing that your personal information is well protected. From real-time account management to making transactions on the fly, our digital banking features are not only accessible but also designed with your peace of mind in mind. Join us at North Central Area and experience the freedom of managing your finances online. Whether you're looking for convenience, speed, or security, we've got everything covered for you!

At North Central Area, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share insights into our financial health to reassure you of our reliability and commitment to serving your needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. 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. 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. We believe in reinvesting in our community and our members. 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 is substantial; we have $4,533 in used auto loans and $156,717,830 in total loans and leases to support your financial goals across various sectors. Our operational efficiency is reflected in our $2,355,148, 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. Net Shares (Funds available for lending and investments): $347,456. Total Share and Deposit Accounts: 42,607, showing a strong and growing member base that trusts us with their finances. 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 129 Lake St Roscommon Mi 48653 or call (989) 275-5169 to learn more about how we can help you achieve your financial goals.

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