Northland Area Credit Union Petoskey MI | Low Mortgage Rates & Quick Auto Loans

Introduction

Welcome to Northland Area, your trusted financial partner in Petoskey, MI! Established in 1957, we have proudly served our community for over six decades, fostering a sense of trust and reliability among our 45,438 members. Our branch is conveniently located at 979 Spring St, Petoskey, MI 49770, where we strive to offer personalized banking solutions tailored just for you. At Northland Area, we understand that every member's financial journey is unique. That's why our dedicated team, led by CEO Pete Dzuris and Board President Mike Palumbo, works diligently to ensure you receive the support you need. We are proud to manage total assets of over $664 million and offer loans totaling 17,509, reflecting our commitment to helping you achieve your financial goals. Whether you're looking for a new auto loan or seeking advice on personal banking services, we've got you covered. With total deposits reaching $42,197,095 and a net worth of $66,261,466, you can trust that your finances are in good hands. While members can visit us at our Petoskey location for all your banking needs, official correspondence should be sent to our mailing address at 1161 N Bagley St, Alpena, MI 49707-8101. Feel free to reach out by calling us at 989-739-1401 or visit our website at Northland Area for more information. We invite you to discover how we can assist you on your financial journey today!

Branch History & Mission

A Legacy of Service

From our humble beginnings, Northland Area has consistently focused on providing exceptional financial services tailored to meet the diverse needs of our community. Our branch at 979 Spring St Petoskey, MI 49770 is conveniently located near popular local landmarks that make us easily accessible for all your banking needs. Whether you're stopping by for personal banking services or looking for loans and credit options, we are here to help.

Join Us!

As we look toward the future, we invite you to become part of the Northland Area family. Experience firsthand the benefits of membership and discover how we can help you achieve your financial goals. Visit us during our operating hours Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM or give us a call at (989) 739-1401. Together, let's build a brighter financial future!

Modern Banking Experience

While our roots run deep in tradition, we are also committed to embracing modern advancements that improve your banking experience. With features like online banking, mobile payments, and e-statements, managing your finances has never been easier. Plus, our drive-thru service and ATM availability ensure that you have convenient access whenever you need it. For any official correspondence, please use our mailing address: 1161 N Bagley St, Alpena, MI 49707-8101.

Our Mission

At Northland Area, our mission is clear: we are dedicated to empowering our members through financial education and support while giving back to our community. We believe that everyone deserves access to affordable financial services, and we work tirelessly to provide resources that enhance the financial well-being of our members. Our commitment extends beyond just banking; we actively engage in community outreach initiatives that make a real difference. From supporting local schools to participating in charity events, we strive to uplift those around us.

Branch Location & Accessibility

Welcome to the Northland Area branch, conveniently located at 979 Spring St in beautiful Petoskey, MI! Our branch is nestled in a vibrant area, just a stone's throw from popular spots like the scenic Bear River Park and the bustling downtown district. With easy access and ample parking, visiting us is a breeze. While our branch address is 979 Spring St, official correspondence can be sent to our mailing address at 1161 N Bagley St, Alpena, MI 49707-8101. This ensures that your important documents reach us without delay. At Northland Area, we pride ourselves on being accessible to everyone. Our facility meets ADA standards, featuring ramps and designated parking spots for those who need them. Whether you're stopping by for personal banking services or just to ask a question, you'll find our friendly staff ready to assist you. We're open Monday through Thursday from 9 AM to 5 PM and extend our hours on Friday until 6 PM. This flexibility allows you to choose a time that fits your busy schedule. If you're on the go, don't forget about our drive-thru service where you can handle deposits and withdrawals without leaving your car. For your convenience, we also offer ATM access so you can withdraw cash or check balances anytime. Plus, with services like online and mobile banking, managing your finances has never been easier! Feel free to give us a call at 989-739-1401 if you have any questions or need assistance. We invite you to visit Northland Area in Petoskey your trusted partner in financial wellness!

Member Eligibility

At Northland Area, we believe that everyone deserves the opportunity to join a supportive community focused on your financial well-being. Becoming a member is easy and welcoming, as we invite individuals who live, work, worship, or attend school in our service areas to join us. We cherish diversity and aim to create an inclusive environment where all members can thrive together. Whether you're looking for personal banking options or business services, being part of Northland Area opens doors to competitive rates and personalized support tailored just for you. If you're ready to take the next step, opening an account is simple! Just visit us at our branch located at 979 Spring St Petoskey Mi 49770, or check out the details on how to get started online through this link: http://www.northlandcu.com/nafcu/applications . If you have any questions, feel free to give us a call at (989) 739-1401. For more information about eligibility criteria, don't hesitate to explore our dedicated page at . We're excited to welcome you into the Northland Area family!

Comprehensive List Of Services

Business Banking Services

For business owners in Petoskey, we offer comprehensive business banking services, which include merchant services and business loans. We are here to support local businesses in achieving their goals.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. From transferring funds to paying bills, our digital tools are designed with your busy lifestyle in mind. Plus, with access to ATMs and cash withdrawal services across various locations, you can easily access your money when you need it most.

Loans for Every Need

Life brings many opportunities and challenges. When unexpected expenses arise, our personal loans and debt consolidation options provide the flexibility you need. Additionally, if you're looking to earn rewards on your purchases, our credit cards with rewards can add value to your spending.

Personal Banking Solutions

We understand that managing finances can be daunting. That's why we offer personal banking options, including checking and savings accounts designed for everyday needs. Need to buy a car? Our auto loans and vehicle financing make it easy to hit the road without breaking the bank. For those planning to purchase a home, our mortgage loans and refinancing solutions help you navigate the process with confidence.

Streamlined Transactions

If you prefer face-to-face interactions for basic transactions, our drive-thru banking allows for quick deposits and withdrawals without leaving your vehicle. We aim to make every banking experience as smooth as possible. At Northland Area, we are more than just a credit union; we're a community partner committed to enhancing your financial well-being. Our friendly staff is always ready to assist you whether you're visiting us in person or using our online platforms. For questions or assistance, feel free to reach out at 989-739-1401. Discover how we can help you achieve your financial goals today! Visit us at Northland Area for more information about all our services.

Digital & Online Banking

At Northland Area, we understand that managing your finances should be easy and secure, no matter where you are. That's why we offer a comprehensive suite of digital and online banking services designed to fit your busy lifestyle. With our user-friendly tools, you can take control of your finances anytime, anywhere. One of the standout features of our services is the ability to access your accounts 24/7 through our online banking platform. Simply visit https://www.northlandcu.com/ to log in and manage your finances with just a few clicks. Whether you're checking your balance, making transfers, or reviewing transactions, everything is at your fingertips. For those who prefer managing their finances on the go, our mobile application is available for download. This app not only allows you to check balances and transfer funds but also enables convenient mobile payments. Plus, you can send money directly to friends or family with our person-to-person transfer feature no cash needed! Security is a top priority at Northland Area. Our electronic signature authorization makes it easy for you to sign important documents safely from home. Additionally, e-statements provide an eco-friendly option for receiving account statements securely and conveniently online. We believe that banking should adapt to your needs. Our digital services are designed with accessibility and ease-of-use in mind, ensuring that you can manage your accounts effectively without any hassle. Join us at Northland Area and experience the convenience of modern banking today!

Financial Strength

Building Trust Through Membership

We're delighted to have built a strong community with a total of 103,946 share accounts. This illustrates the trust our growing member base places in us with their finances. Net Shares available for lending and investments stand at $1,114,341, giving us more flexibility to serve you better. 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 979 Spring St Petoskey Mi 49770 or call (989) 739-1401 to learn more about how we can help you achieve your financial goals.

Committed to Growth

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.

Member-Centric 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.

Operational Efficiency

Our operational efficiency is reflected in our $2,377,737, which enables 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 ready to assist you with a knowledgeable, committed team.

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 model or a reliable used vehicle, we provide flexible terms to fit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $118,508,839 provide the capital needed to grow and expand your business. We know how vital funding is for operational success and are here to support your entrepreneurial journey.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Property loans totaling $17,185,007. With competitive rates and personalized service, we'll help you navigate the home buying process smoothly.

Refinancing Options

If you're considering refinancing any existing loans or want to explore eligibility options for any of our products, our knowledgeable team is here to assist you every step of the way. We understand that circumstances change and are committed to finding solutions tailored just for you. With so many choices available at Northland Area located at 979 Spring St Petoskey MI 49770, ready to take your call at 989-739-1401 we invite you to come in and discuss how our loan offerings can work for you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore all that Northland Area has to offer today!

Unsecured Credit Card Loans

For those looking for flexibility in managing everyday expenses or consolidating debt, we also offer unsecured credit card loans. While our total for these loans currently stands at $0, we encourage you to explore other financing options available through us that can meet your needs effectively.

Loan Aggregator

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 ), ensuring fair and transparent offers. This means you can trust that the rates you see are not only current but also come from reputable sources.

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions. This guarantees a level of transparency that helps users feel secure in their choices. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results that truly reflect the best options available. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, LendMesh helps users make informed decisions quickly. Thousands of users trust LendMesh for loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how effective and user-friendly the platform is. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

NORTHLAND AREA FEDERAL CREDIT UNION