Northland Area Credit Union Alpena MI | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Northland Area, your trusted financial partner located at 1161 N Bagley St, Alpena, MI 49707. Since our establishment in 1957, we have been dedicated to providing exceptional banking services tailored to meet the needs of our community. With a proud membership base of over 45,438 individuals, we are committed to fostering financial wellness and empowerment for each member. At Northland Area, we understand that each member's financial journey is unique. That's why we offer a comprehensive range of services including personal banking, auto loans, mortgages, and business banking solutions. Our total assets stand strong at $664,964,709, with total deposits reaching $42,197,095. This financial strength allows us to support you effectively on your path to achieving your goals. Our team is led by experienced professionals, including CEO Pete Dzuris and Board President Mike Palumbo, who are passionate about serving our members. Together with a dedicated staff of 148 employees, we strive to create a welcoming atmosphere where you can feel confident in your financial decisions. While members can visit us at our branch location, official correspondence should be sent to the same address: 1161 N Bagley St, Alpena, MI 49707-8221. For any inquiries or assistance, don't hesitate to give us a call at 989-739-1401 during our operating hours: Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 1:00 PM. Join us today and experience the difference of being part of a credit union that truly cares about its members. Visit our website at northlandcu.com to learn more about how we can assist you on your financial journey!

Branch History & Mission

Commitment to Accessibility

We understand that convenience matters. That's why we offer both ATM access and drive-thru banking services for quick transactions. Whether you need to withdraw cash or make a deposit, we're here for you during our operating hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM.

Join Us

As we continue our journey in serving this wonderful community, we invite you to become part of the Northland Area family. Experience firsthand how we can help you achieve your financial goals while being an active participant in making Alpena a better place for everyone. Visit us today or give us a call at 989-739-1401! Your future starts here with Northland Area.

Our Journey

From humble beginnings, Northland Area has evolved into a key player in the financial landscape of our region. With total assets now exceeding $664 million, we have continuously adapted to meet the changing needs of our members while staying true to our mission of serving the community. Over the years, we have embraced innovation, launching user-friendly online and mobile banking services that make managing finances more accessible than ever. Our branch is committed not just to providing financial services but also to uplifting our community through various outreach efforts. We believe that supporting local organizations and initiatives is just as important as offering great banking products. This commitment has allowed us to forge strong partnerships with local businesses and nonprofits, helping to strengthen Alpena's fabric.

Our Mission

At Northland Area, our mission is clear: we strive to enhance the financial well-being of our members while actively contributing to the growth and prosperity of Alpena and its surrounding areas. We offer a wide range of services from personal banking options like checking accounts and auto loans to business banking solutions designed for local entrepreneurs. Our focus is on building lasting relationships based on trust and mutual respect. While members can visit us at 1161 N Bagley St, official correspondence should be sent to 1161 N Bagley St, Alpena, MI 49707-8221 if you need assistance or have inquiries.

Branch Location & Accessibility

Get in Touch

If you have any questions or would like more information about what we offer, feel free to give us a call at 989-739-1401. We invite you to come visit us at our Alpena branch and experience the friendly service that Northland Area Credit Union is known for!

Nearby Landmarks and Accessibility

Nestled near popular local spots, we're just a short drive from downtown Alpena and close to the picturesque Thunder Bay River. With ample parking available right outside our doors, getting in and out is hassle-free. Our facility is fully ADA compliant, ensuring that everyone can easily access our services.

Operating Hours

We understand that your time is valuable. That's why we offer flexible operating hours to fit your busy schedule. Visit us Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 1:00 PM. Whether you prefer coming in during the week or on the weekend, we're here for you!

Services Offered

At Northland Area, we provide a range of personal and business banking services tailored to meet your needs. From checking and savings accounts to auto loans and mortgage refinancing, our goal is to support you every step of the way. Need quick cash? Our ATM is available for easy withdrawals and balance checks. Plus, if you're in a hurry, take advantage of our drive-thru service for deposits and withdrawals without leaving your vehicle.

Member Eligibility

Becoming a member of Northland Area is like joining a caring family that looks out for your financial well-being. If you live, work, worship, or attend school in the Alpena area, you're already on your way to becoming a valued member. At Northland Area, we believe in inclusivity and support, so our eligibility criteria are designed to welcome as many individuals as possible. Plus, once you join us, you'll gain access to a wide range of benefits tailored to help you achieve your financial goals. To get started with membership at Northland Area, simply visit us at our location on 1161 N Bagley St Alpena Mi 49707 or give us a call at (989) 739-1401. You can also find more detailed information about the eligibility requirements by checking out our website at . Opening an account is straightforward just follow the instructions available at http://www.northlandcu.com/nafcu/applications . We can't wait to welcome you into our community!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $579 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $31 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $118,508,839, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine running your store without worrying about payment processing. Our merchant services allow you to accept payments easily, ensuring you can focus on what matters most serving your customers. By using our solutions, you'll streamline transactions and enhance customer satisfaction. Located at 1161 N Bagley St Alpena Mi 49707, Alpena, MI, we invite local business owners to explore how our tailored financial products can fuel your growth. Reach out to us at (989) 739-1401 for more information or visit our website at Northland Area today!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Are you in the market for a new vehicle? Our auto loans and vehicle financing options make it easy for you to hit the road in style without breaking the bank. With competitive rates and flexible terms, we help you drive away with confidence. Picture yourself cruising in that new car while knowing you've made a smart financial choice.

Business Banking Services

For entrepreneurs and business owners, our business banking services include merchant services and business loans designed to support growth and success. Whether you're starting a new venture or expanding an existing one, we're here to provide guidance every step of the way.

Convenient Access Points

To further enhance your banking experience, we offer ATM services for cash withdrawals and balance checks, along with basic drive-thru banking options for quick deposits and transactions. Our (989) 739-1401 line is always open if you have questions or need assistance. At Northland Area, we strive to cater to all aspects of your financial life while ensuring ease of access through digital banking features like online banking and mobile payments. We invite you to visit us at 1161 N Bagley St Alpena Mi 49707 or explore our website at Alpena Branch for more information about how we can serve you better. Don't hesitate reach out today!

Credit Cards with Rewards

Shopping can be more rewarding with our credit cards that offer enticing rewards programs. Use them for everyday purchases and earn points that can be redeemed for travel, merchandise, or cash back. Envision how those rewards could enhance your lifestyle simply by making the purchases you already plan to make.

Mortgage Loans & Refinancing

If homeownership is on your horizon or you're considering refinancing your existing mortgage, our mortgage loans can help turn your dreams into reality. We provide personalized assistance throughout the process, ensuring you find the right loan for your unique situation. Imagine unlocking the door to your new home with a mortgage that fits comfortably within your budget.

Personal Banking Solutions

For individuals looking to manage their finances effectively, our personal banking services offer checking and savings accounts that fit your lifestyle. Whether you need a simple account for everyday transactions or a savings account to grow your funds, we've got you covered. Imagine having easy access to your money through our online and mobile banking platforms, allowing you to check balances, transfer funds, and pay bills from anywhere.

Personal Loans & Debt Consolidation

Life can sometimes throw unexpected expenses your way. That's where our personal loans come in handy. Whether it's funding a major purchase or consolidating debt into one manageable payment, we have solutions tailored just for you. Think about how relieving it would be to simplify your finances with one monthly payment rather than juggling multiple debts.

Digital & Online Banking

Mobile Banking

The convenience continues with our mobile application, which is perfect for those who prefer banking on their smartphones. With features like mobile payments, you can easily make purchases or send money using just your device. Need to send money to a friend? Our person-to-person transfer feature makes it simple and fast, so you can share expenses effortlessly.

Online Banking Features

Our 24/7 online banking service allows you to check balances, transfer funds, and pay bills from the comfort of your home or on the go. You can enjoy secure electronic signature authorization for transactions, making it quick and safe to handle your banking needs without needing to visit a branch. Plus, with e-statements readily available, you can stay organized and reduce paper clutter.

Security and Accessibility

We prioritize your security with robust measures in place to protect your information while ensuring that our services remain easy to use. Whether you're at home or traveling, managing your finances has never been more accessible or secure. Join us at Northland Area and experience the benefits of our digital banking services today!

Financial Strength

A Growing Community

Total Share Accounts stand at 103,946, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $1,114,341. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Northland Area is your trusted partner. Visit us at 1161 N Bagley St Alpena Mi 49707 or call (989) 739-1401 to learn more about how we can help you achieve your financial goals.

Commitment to Growth and Support

With $59,049,862 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 with $4,768 in used auto loans and $426,342,051 in total loans and leases. Our operational efficiency is reflected in our $2,377,737, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 144 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

Members' savings are secured through $112,459,406 in share certificates and $123,775,518 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $10,317,045, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Foundation

With a net worth of $66,261,466, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $996 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 $64,928,750 in used vehicle loans and $26,667,365 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 have options that fit your budget and lifestyle.

Business Financing

For business owners, our outstanding commercial loans totaling $118,508,839 provide the capital needed to grow and expand your ventures. We understand the challenges of running a business and are here to support you with tailored solutions that align with your goals.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $17,185,007, make buying or refinancing simple. We provide flexible terms and personalized service to ensure that you find the right mortgage solution for your needs.

Refinancing Options

If you're considering refinancing an existing loan, our team is ready to assist you in exploring eligibility options that could lead to better rates and terms. We're committed to helping you save money while achieving your financial objectives. Our team at Northland Area is dedicated to making the lending process straightforward and accessible. For more information or to discuss your specific needs, please contact us at 989-739-1401 or visit us at 1161 N Bagley St Alpena Mi 49707. 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 our range of loan products tailored just for you, achieving your dreams has never been easier!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. While currently our total amount for these loans is $0, we remain dedicated to helping members manage their finances effectively. When available, these cards come with benefits designed to enhance your financial flexibility.

Loan Aggregator

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NORTHLAND AREA FEDERAL CREDIT UNION - Alpena, MI