North Central Area Credit Union Standish MI | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to North Central Area, your trusted financial partner located at 212 Court St S, Standish, MI 48658. Since our establishment in 1956, we have proudly served our community with a commitment to providing quality financial services tailored to meet the needs of our members. With over 20,309 members and assets totaling $236,360,943, we strive to create a welcoming environment where you can achieve your financial goals. At North Central Area, we understand that every member's journey is unique. Whether you're looking for a new car loan among our 13,153 total loans or seeking guidance on mortgage options, our experienced team is here to assist you. Under the leadership of CEO Mark Richter and Board President Stephen Witt, we have built a strong foundation based on trust and reliability. While you can visit us at our Standish branch for all your banking needs, please note that official correspondence should be sent to the same address: 212 Court St S, Standish, MI 48658. We offer a variety of services including personal banking, auto loans, and business banking solutions all designed with your convenience in mind. We are proud to maintain a net worth of $25,341,774 and cash in hand amounting to $1,236,230, ensuring we are well-equipped to serve you effectively. Our dedicated team of 62 employees works diligently to provide exceptional service across all our offerings. Ready to take the next step? Feel free to call us at 989-846-9553 or visit our website at ncacu.org for more information. We look forward to helping you navigate your financial journey!

Branch History & Mission

Welcome to the North Central Area, a cornerstone of financial support in Standish, Michigan. Established in 1956, our branch has been a trusted partner for the community for over six decades. Located at 212 Court St S, Standish, MI 48658, we pride ourselves on our history of growth and commitment to our members. Since opening our doors, we have continually adapted to meet the needs of our growing membership, which now exceeds 20,309 individuals. Over the years, we've expanded our services and offerings to ensure that we provide comprehensive financial solutions that cater to every aspect of our members' lives. Today, with total assets exceeding $236,360,943, we stand strong as a pillar of financial stability and trust. Our mission is clear: to deliver exceptional financial services while fostering a spirit of community support. We believe in empowering our members through education and providing them with the tools they need to achieve their financial goals. Whether it's through personal banking options like checking and savings accounts or facilitating auto loans and mortgages, we are dedicated to enhancing the lives of those we serve. While members can visit us at 212 Court St S, official correspondence should be sent to the same address as there is no difference between our branch and mailing addresses. Our operating hours are designed with convenience in mind open from 9 AM to 5 PM Monday through Thursday, and until 5:30 PM on Fridays. Additionally, we offer both ATM availability and drive-thru banking for those who prefer quick transactions without stepping inside. As part of our commitment to accessibility and inclusivity, we strive to ensure all our services are ADA compliant. We've also embraced digital advancements like online banking and mobile payments to enhance your experience further. Our shared service center allows members from partnered credit unions to enjoy basic transaction services right here at our branch. Community outreach is close to our heart. We actively engage with local organizations and initiatives that uplift the Standish area, reinforcing our belief that supporting each other leads to stronger communities. We invite you to join us at North Central Area where you will not only find a variety of financial products but also a team ready to support you every step of the way. Experience firsthand how we can help you reach your financial dreams. For any inquiries or assistance, feel free to call us at 989-846-9553 or visit us online at ncacu.org. Join us today!

Branch Location & Accessibility

Accessibility Features

Our branch is designed with accessibility in mind. We offer ADA-compliant features, including ramps for easy entry and ample parking to ensure that all members can visit us comfortably. Whether you prefer to walk in or utilize our drive-thru service, we aim to make your banking experience as smooth as possible.

Operating Hours and Services

We're here for you Monday through Thursday from 9 AM to 5 PM and extend our hours until 5:30 PM on Fridays. With a variety of services available, including personal banking options such as checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards, there's something for everyone. If you're looking for convenience, we also offer ATM services right at our location, along with shared branch transactions for members of partner credit unions. While you can always stop by our branch at 212 Court St S for all your banking needs, please remember that any official correspondence should be sent to the same address. Feel free to reach out to us at (989) 846-9553 if you have any questions or need assistance. We invite you to visit us today and discover how we can support your financial journey!

Member Eligibility

Joining the family at North Central Area is more than just opening an account; it's about becoming part of a supportive community that looks out for each other. If you live, work, or worship in the area, you're likely already eligible to become a member! Our doors are open to individuals who meet certain criteria, which you can learn more about by visiting our eligibility page at . Once you confirm your eligibility, starting your journey with us is simple and welcoming. At North Central Area, we believe in making banking accessible and beneficial for everyone. With various personal banking options like checking and savings accounts, auto loans, and even credit cards that offer rewards, you'll find services designed to help you thrive financially. To open your account today, head over to https://loans.itsme247.com/135/home/start or give us a call at (989) 846-9553 if you have any questions. We can't wait to welcome you into our community at 212 Court St S, Standish, MI 48658!

Business Banking & Commercial Services

Financing 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

In addition to loans, we offer merchant services that simplify transactions for your business. Imagine being able to accept payments quickly and securely, allowing you to focus on what you do best serving your customers. From credit card processing to online payment solutions, our services are tailored to meet the needs of today's businesses. Visit us at 212 Court St S Standish Mi 48658 in Standish, MI, or give us a call at (989) 846-9553 to learn more about how we can help your business succeed!

Comprehensive List Of Services

ATM and Drive-Thru Services

Need cash on the go? Our ATM services ensure you can make withdrawals or check balances whenever necessary. Plus, our drive-thru banking offers quick access for deposits, withdrawals, and simple transactions without leaving your vehicle.

Business Banking

For our business members, we provide comprehensive banking solutions including merchant services and business loans that can empower your enterprise. We believe in supporting local businesses and helping them thrive in today's economy.

Credit Cards and Loans

At North Central Area, we also offer credit cards with rewards that can enhance your shopping experience while earning you points for future purchases. For those times when life throws unexpected expenses your way, our personal loans and debt consolidation options can help ease financial burdens by providing quick access to funds.

Digital Banking Convenience

In this fast-paced world, convenience is key. That's why we offer online and mobile banking services that allow you to manage your accounts anytime, anywhere. With features like mobile payments, person-to-person transfers, and e-statements, banking has never been easier or more accessible.

Personal Banking

We understand that every member has different financial goals. That's why our personal banking services include checking and savings accounts designed to help you manage your money effectively. Need a little extra cash? Our auto loans and vehicle financing options make purchasing your dream car more accessible than ever. If you're looking to own a home, our mortgage loans and refinancing solutions provide flexible terms tailored just for you.

Shared Branch Transactions

If you're traveling or need to visit another credit union partner, we've got you covered with shared branch transactions for deposits and withdrawals. This service ensures that you have access to your funds even when you're away from home. At North Central Area, we're not just about numbers; we're about building relationships with our members. We invite you to explore all the ways we can assist you financially. For questions or more information about any of our services, feel free to call us at (989) 846-9553 or visit us online at Standish Branch. Your financial success is our priority!

Digital & Online Banking

Key Services for You

Our online banking platform provides 24/7 access to your accounts, allowing you to check balances, pay bills, and transfer funds whenever you need. With just a few clicks, you can manage your money without any hassle. Plus, our mobile application enhances this experience by letting you bank right from your smartphone perfect for those busy days. Need to send money to friends or family? Our person-to-person transfer feature makes it easy and fast. And if you're looking to stay organized, e-statements are available at your fingertips, reducing clutter while keeping your financial records safe and secure.

Security Meets Convenience

We prioritize your security with features like electronic signature authorization, which streamlines processes while ensuring everything is protected. You can trust that your information is safe as you navigate through our user-friendly interface. With mobile payments now part of our offerings, making purchases is more straightforward than ever. Just link your account and enjoy the flexibility of paying directly from your device no wallet needed! Experience the ease of managing your finances with North Central Area's digital and online banking services. Visit us today at https://ncacu.org/ and take control of your financial journey!

Financial Strength

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 understand that trust is built on transparency and reliability, which is why we're proud to share our financial strength with you. 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. Our commitment to serving you is backed by $14,219,455 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $4,533 in used auto loans and $156,717,830 in total loans and leases, our lending capacity supports your financial goals across various sectors. We're also proud to report a robust $2,355,148, reflecting our operational efficiency. This enables us to continue offering competitive loan rates and solid financial products for our members. Our dedicated team consists of 56 full-time employees and 6 part-time employees who are always ready to assist you with knowledgeable service. Net Shares (funds available for lending and investments) stand at $347,456, showcasing our commitment to fostering member success. Additionally, we have a thriving community with a total of 42,607 share accounts, demonstrating the trust placed in us by our growing member base. 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 212 Court St S Standish Mi 48658 or call (989) 846-9553 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.*

Loan Offering

Additional Financing Options

For those who need extra support for their businesses, our outstanding commercial loans totaling $638,327 provide the capital needed to grow and expand. We aim to empower local entrepreneurs by offering tailored solutions that meet their unique needs. At North Central Area, we are committed to providing accessible financing options for everyone. If you're considering refinancing or want to explore eligibility options for any of our loan products, don't hesitate to reach out! You can contact us at (989) 846-9553 for personalized assistance. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us at our branch located at 212 Court St S Standish Mi 48658 or online at our website to learn more about how we can assist you with your lending needs!

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 a reliable used car, we provide flexible terms that fit your budget.

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 various terms to ensure you find the perfect fit for your financial situation.

Unsecured Credit Card Loans

Managing everyday expenses is easier with our unsecured credit card loans. We also offer flexible terms on these loans, with a total of $6,585,266 in loans helping members manage their finances effectively. Enjoy rewards and benefits that can enhance your purchasing power while keeping your budget in check.

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