Northland Area Credit Union West Branch MI | Low Mortgage Rates & Business Banking

Introduction

Welcome to Northland Area, your trusted financial partner in the heart of West Branch, MI! Established in 1957, we have proudly served our community for over six decades, building strong relationships with our 45,438 members. At our branch located at 3177 W M 76, we are dedicated to providing personalized banking solutions that meet your needs. If you need to send official correspondence, feel free to reach out via our mailing address: PO Box 564, West Branch, MI 48661. With total assets of $664,964,709 and total deposits amounting to $42,197,095, our commitment to financial stability is unwavering. We offer a variety of services including personal banking, auto loans, mortgages, and business loans to empower you on your financial journey. Our experienced team, led by CEO Pete Dzuris and Board President Mike Palumbo, is here to guide you every step of the way. At Northland Area, we believe in giving back to our community. Our loan portfolio includes a robust offering with over 17,509 loans and leases available to help you achieve your goals. With a net worth of $66,261,466 and cash in hand totaling $11,460,578, you can trust that we have the resources to support your financial aspirations. We invite you to visit us during our lobby hours from Monday through Friday between 9:00 AM and 5:00 PM or give us a call at 989-345-2675. Let's work together towards building a brighter financial future for you and your family! For more information about our services or to explore membership options, visit us online at Northland Area. Your journey toward financial success starts here!

Branch History & Mission

Northland Area has a proud history that reflects our commitment to the community of West Branch, MI. Established in 1957, our branch has grown from humble beginnings into a trusted financial partner for over 45,000 members. Located at 3177 W M 76, West Branch, MI 48661, we are easily accessible and situated near key landmarks that make it convenient for our community. Our journey began with a simple mission: to provide exceptional financial services while supporting the local community. Over the years, we have expanded our offerings to include personal banking services like checking and savings accounts, auto loans, mortgages, and business banking solutions. With total assets reaching an impressive $664,964,709, we have consistently focused on providing valuable resources and support to our members. At Northland Area, we believe in putting people first. Our mission is not just about numbers; it's about making a real difference in the lives of those we serve. We are dedicated to helping our members achieve their financial goals while fostering a strong sense of community. We understand that financial challenges can arise at any moment, and we're here to guide you every step of the way. Our branch operates Monday through Friday from 9:00 AM to 5:00 PM and offers essential services such as drive-thru banking and ATM access for your convenience. While members can visit us at our physical location, official correspondence should be directed to PO Box 564, West Branch, MI 48661 if needed. We continuously strive to enhance our services through digital advancements like online banking and mobile payments while ensuring ADA compliance for all our facilities. Our partnerships with local organizations allow us to engage in meaningful outreach efforts that strengthen our ties with the community. As we look toward the future, we invite you to join Northland Area Credit Union. Experience personalized financial services tailored to your needs while becoming part of a community-focused organization dedicated to your success. Together, let's build a brighter financial future! For more information or to get started on your journey with us today, call us at 989-345-2675 or visit our website.

Branch Location & Accessibility

Convenient Access and Amenities

At Northland Area, we understand that accessibility is important. Our branch features ample parking and is designed with ADA compliance in mind, ensuring everyone can enjoy our services comfortably. If you're in a hurry, take advantage of our drive-thru banking option where you can handle deposits, withdrawals, and simple transactions without leaving your car. For those who prefer to bank on the go, we offer an ATM available right at our location for quick cash withdrawals and balance checks. With our operating hours from Monday through Friday, 9:00 AM to 5:00 PM (please note we close from 1:00 PM to 2:00 PM), you can easily fit banking into your busy schedule.

Join Us Today!

Feel free to stop by or give us a call at 989-345-2675 if you have any questions about our services or need assistance. We look forward to welcoming you at Northland Area and helping you achieve your financial goals!

Personalized Services Just for You

When you visit Northland Area's West Branch II, you'll find a range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Our friendly staff is ready to assist you with personal loans, credit cards with rewards, and even business banking options. While members can visit us at the branch address mentioned above for all their banking needs, please send any official correspondence to PO Box 564, West Branch, MI 48661 if that's more convenient.

Member Eligibility

Joining the Northland Area community is more than just opening an account; it's about becoming part of a supportive family that cares about your financial journey. At Northland Area, located at 3177 W M 76 in West Branch, MI, we welcome anyone who lives, works, worships, or attends school in our service area. We believe that everyone deserves access to quality financial services and a friendly environment where their needs are prioritized. Becoming a member is simple and inclusive! You can easily check the specific eligibility criteria on our website for more detailed information. Once you're ready to join us, the account opening process is straightforward just visit this link to get started. If you have any questions or need assistance, feel free to give us a call at 989-345-2675. We're excited to help you take this important step towards better banking!

Business Banking & Commercial Services

Merchant Services that Make a Difference

In addition to loans, we offer comprehensive merchant services that simplify transactions for your business. Imagine having the ability to accept payments easily, whether at your physical location or online. Our tools help streamline your sales process, allowing you more time to focus on what matters growing your business. Visit us at 3177 W M 76 West Branch Mi 48661 in West Branch, MI, or give us a call at (989) 345-2675 to discover how our business banking solutions can help you thrive!

Tailored Loan Solutions

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.

Comprehensive List Of Services

Business Banking

If you're a business owner, Northland Area has tailored services just for you. Our business banking offerings include merchant services and business loans that can help you grow your enterprise. We know how important it is for businesses to have reliable financial support, and we're dedicated to helping local businesses thrive.

Call Us Today!

At Northland Area in West Branch, we aim to be more than just a credit union; we want to be your trusted partner in achieving financial success. If you have questions about any of our services or need assistance with your account, don't hesitate to call us at 989-345-2675. We're here Monday through Friday from 9:00 AM to 5:00 PM (please note we're closed from 1:00 PM to 2:00 PM). Explore all that Northland Area has to offer your journey toward better financial management starts here! Visit us online at northlandcu.com for more information on how we can serve you better.

Digital Banking Convenience

In today's busy world, convenience is key. That's why we offer robust online and mobile banking options. With features like mobile payments, ATM access for withdrawals and balance checks, and person-to-person transfers, managing your finances has never been easier. You can handle most transactions right from your smartphone or computer without needing to visit the branch.

Drive-Thru and ATM Services

For quick transactions on the go, we provide basic drive-thru banking for deposits, withdrawals, and other simple transactions. Additionally, our ATM services allow you easy access to cash whenever needed.

Personal Banking

When it comes to personal banking, we understand that everyone's needs are unique. That's why we provide various options such as checking and savings accounts that can help you efficiently manage your money. If you're thinking about purchasing a vehicle, our auto loans and vehicle financing programs offer competitive rates to make your dream car a reality. And if home ownership is on your mind, our mortgage loans and refinancing solutions can guide you through the process with ease. For those looking to consolidate debt or fund personal projects, our personal loans are designed to fit your financial goals without unnecessary stress. Plus, with our credit cards that come with rewards, you can earn benefits while making everyday purchases.

Digital & Online Banking

Key Features

Our online banking service is available 24/7, so you can check balances, pay bills, and transfer funds whenever it suits you. Need to send money to a friend? Our person-to-person transfers make it simple and quick. Plus, with the option for electronic signature authorization, signing documents is hassle-free no need to visit the branch! For those who prefer to manage their accounts on the go, our mobile application is here to help. It allows you to view e-statements and take advantage of mobile payments right from your smartphone. Whether you're making a purchase or sending money, it's all at your fingertips.

Security You Can Trust

We prioritize your security. Our digital banking features are equipped with advanced security measures to keep your personal information safe. You can bank with peace of mind knowing that we're committed to protecting your assets while providing a smooth experience. Overall, whether you're at home or out and about, Northland Area's digital banking services provide the tools you need for easy account management. Explore everything we have to offer by visiting us online today!

Financial Strength

Growing Together

Total Share and Deposit Accounts: 103,946, show 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 3177 W M 76 West Branch Mi 48661 or call (989) 345-2675 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.

Investing Back into the Community

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-Focused Savings

Your 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 $2,377,737 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 144 full-time employees and 4 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 $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. We provide flexible terms to fit your budget and make the process as easy as possible.

Business Loans

For business owners, our outstanding commercial loans totaling $118,508,839 provide the capital needed to grow and expand. We understand the challenges businesses face and strive to offer tailored solutions that meet your specific needs.

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. Whether you're a first-time buyer or looking to refinance your current mortgage, we offer competitive rates and personalized service to guide you through every step.

Refinancing Options

If you're considering refinancing any of your existing loans or credit lines, our team is here to assist you in evaluating your options. We aim to help you secure better rates or terms that align more closely with your financial situation. At Northland Area located at 3177 W M 76 West Branch MI 48661, we are dedicated to providing our members with comprehensive support for all their lending needs. To learn more about our loan offerings or speak with one of our knowledgeable staff members, feel free to call us at 989-345-2675. 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 find the right loan solution today!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, although currently we have a total of $0 in these loans helping members manage their finances effectively. Our credit cards come with rewards and low-interest rates to ensure you can use them without worrying about high costs.

Loan Aggregator

Benefits of Using LendMesh

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Conclusion

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.

How LendMesh Ensures 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 ensures that users receive fair and transparent offers that reflect actual market conditions. By relying on verified data, LendMesh helps users avoid misinformation and misleading claims often found in the lending space.

NORTHLAND AREA FEDERAL CREDIT UNION - West Branch, MI