Northland Area Credit Union West Branch MI | Quick Personal Loans & Top Checking Accounts

Introduction

Welcome to Northland Area, your trusted financial partner in the heart of West Branch, MI. Nestled at 2170 S M 76, our branch has been serving the community since 1957 with a commitment to providing exceptional banking services tailored to your needs. With a total membership of 45,438 and assets reaching an impressive $664,964,709, we are proud to be a cornerstone of financial stability for individuals and businesses alike. At Northland Area, we prioritize our members' success and well-being. Our dedicated team, led by CEO Pete Dzuris and Board President Mike Palumbo, is here to assist you with a variety of personal and business banking solutions. From checking and savings accounts to auto loans, mortgages, and credit cards with rewards, we offer comprehensive services designed to help you achieve your financial goals. While you can visit us directly at our branch location for all your banking needs, please remember that official correspondence should be sent to our mailing address at PO Box 303, West Branch, MI 48661 if it differs from our physical address. With total deposits of $42,197,095 and total loans amounting to 17,509, we're not just a financial institution; we're a member-focused credit union that values trust and transparency. We also maintain a strong net worth of $66,261,466, reflecting our sound financial practices and dedication to our members' security. Whether you're looking for online banking options or need assistance with a loan application, we're here for you! Feel free to reach out by calling us at 989-345-0179 during our convenient 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 at Northland Area today where community matters and your financial future is our priority! For more information about our services or to start your membership journey, visit us online at Northland Area.

Branch History & Mission

Community Commitment

Northland Area is not just about numbers; it's about people. Our community outreach efforts reflect this philosophy. We actively engage in partnerships with local organizations and initiatives aimed at improving the quality of life in Ogemaw County and beyond. By participating in community events and offering financial education programs, we strive to support those around us. As we look toward the future, we remain committed to our mission of serving our members with integrity and excellence. We invite you to experience the benefits of being part of Northland Area. Join us today and discover how we can help you achieve your financial dreams! For more information or assistance, feel free to call us at 989-345-0179 during our operating hours: Monday through Thursday from 9:00 AM - 5:00 PM, Friday from 9:00 AM - 6:00 PM, and Saturday from 9:00 AM - 1:00 PM. Together, let's build a brighter financial future!

Our Mission

At Northland Area, we believe in more than just banking; we are dedicated to enriching the lives of our members and making a positive impact on our community. Our mission is simple: to provide personalized financial solutions that empower our members to achieve their goals. We offer a range of services from personal banking accounts and auto loans to mortgage financing and business banking. Each service is designed with our members' needs in mind. We pride ourselves on being customer-centric and have embraced digital advancements to make banking easier for everyone. From online banking and mobile payments to electronic signatures and e-statements, we ensure that our services are accessible and convenient for all. With an ATM available and drive-thru services for quick transactions, we cater to our members' busy lifestyles.

Branch Location & Accessibility

Convenient Access

When you arrive at our branch, you'll find ample parking available for members. We've also made sure our location is accessible to everyone, including those with mobility challenges. Our facility meets ADA compliance standards with ramps and accessible entrances to ensure that all members can visit us comfortably.

Get In Touch

Have questions or need assistance? Don't hesitate to give us a call at 989-345-0179. Our dedicated staff is eager to assist you with any inquiries. We invite you to come by and experience the welcoming atmosphere at Northland Area Credit Union today! Your financial well-being is our priority!

Operating Hours

We know your time is valuable! Our lobby hours are designed to fit your busy schedule. You can 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 need assistance with personal banking or want to discuss loan options, we're here to help during these convenient hours.

Services Offered

At Northland Area, we offer a wide range of services tailored just for you. From checking and savings accounts to auto loans and mortgages, we provide solutions that fit your lifestyle. Plus, if you're on the go, enjoy the convenience of our ATM services and drive-thru banking for quick deposits and withdrawals. While members can visit us at 2170 S M 76 for all banking needs, please note that official correspondence should be sent to PO Box 303, West Branch, MI 48661.

Member Eligibility

At Northland Area, we believe that being a member means joining a community that truly cares about your financial well-being. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in the area surrounding 2170 S M 76 West Branch Mi 48661, you're already on your way to enjoying all the benefits we offer. We embrace individuals from diverse backgrounds, making sure everyone feels at home. Plus, as a member of Northland Area, you'll gain access to personalized banking solutions designed just for you, whether it's saving for the future, buying a car, or planning your dream home. Ready to take the next step? Opening an account with us is straightforward! You can find all the details on how to become a member and start enjoying our services by visiting this link: http://www.northlandcu.com/nafcu/applications. For any questions or further assistance, feel free to give us a call at (989) 345-0179. We're here to help you every step of the way! To learn more about eligibility criteria, check out the information available at .

Business Banking & Commercial Services

At Northland Area, we understand that every business has its own unique journey. Whether you're a startup looking to make your mark or an established company aiming for expansion, our business banking and commercial services are designed to support you at every stage. Imagine having the financial backing you need to seize new opportunities. 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. In addition to loans, we offer robust merchant services that make everyday transactions easier for you and your customers. Picture this: accepting payments seamlessly through various channels while keeping track of your sales effortlessly. It's not just about transactions; it's about building relationships and enhancing customer experiences. Visit us at 2170 S M 76 West Branch Mi 48661 in West Branch, MI, or call us at (989) 345-0179 to learn how we can help your business thrive!

Comprehensive List Of Services

Convenient Access Anytime

In today's fast-paced world, convenience is key. That's why we've embraced technology through our Online & Mobile Banking features. You can check balances, transfer funds, and even make deposits from the comfort of your home or on-the-go using your smartphone. Need cash quickly? Our ATM & Cash Withdrawal Services ensure you're never far from accessing your funds when you need them most. Plus, our basic drive-thru banking offers a simple way to handle deposits and withdrawals without leaving your car.

Get Started Today!

Your financial wellness is just a call away! If you're ready to explore how Northland Area can assist you in achieving your financial goals or if you have questions about any of our services, don't hesitate to reach out at 989-345-0179. Visit us at West Branch or check out our website at northlandcu.com for more details on how we can serve you better!

Loans for Every Journey

When it comes to financing, we understand that life's milestones often require a little help. That's why we offer Auto Loans & Vehicle Financing that make purchasing your dream car a reality. Whether you're looking for a new vehicle or refinancing an existing loan, our competitive rates can make all the difference. Homeownership is another important goal for many of our members. Our Mortgage Loans & Refinancing options provide flexible terms and friendly guidance throughout the process. Picture yourself in that perfect home without the stress typically associated with mortgage applications. For unexpected expenses or consolidating debt, consider our Personal Loans & Debt Consolidation services. This option allows you to streamline payments and take control of your financial situation with ease.

Personal Banking Solutions

For those just starting out or looking to manage their everyday finances, our Personal Banking services include checking and savings accounts designed to fit any lifestyle. Imagine having easy access to your money while earning interest on your savings. With options like these, budgeting becomes less of a chore and more of a straightforward process.

Rewards and Business Banking

We also recognize the importance of rewarding loyalty through our Credit Cards with Rewards program. Earn points on everyday purchases that can be redeemed for travel, cash back, or merchandise making every purchase count. For small business owners, we offer comprehensive Business Banking solutions including merchant services and business loans tailored specifically for your needs. We understand that running a business comes with its own set of challenges, and we're here to support you with financial tools that promote growth and stability.

Digital & Online Banking

Accessibility and Convenience

Our mobile payments feature lets you make purchases directly from your phone, making it easier than ever to manage expenses while you're out and about. Whether you're grabbing coffee or shopping for groceries, just tap and go! Managing your accounts in real-time ensures that you're always in control of your finances. No more waiting until bank hours get instant access whenever you need it. At Northland Area, we aim to provide accessible, user-friendly services that empower our members with the tools they need for financial success. Experience the ease of digital banking today! Visit us at https://www.northlandcu.com/ to learn more about how we can help streamline your financial management.

Key Services

With our online banking, you can easily check your balance, transfer funds, and pay bills all from the comfort of your couch. Plus, our mobile application allows you to manage your finances right from your smartphone. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick. We also prioritize your security. With electronic signature authorization, signing documents has never been easier or safer. You can confidently handle transactions without worrying about safety issues. And for those who prefer to go paperless, we offer e-statements so you can keep track of your financial activities without clutter.

Financial Strength

Commitment to Growth

Our commitment to growth is reflected in our $59,049,862 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Currently, we support our community with $4,768 in used auto loans and $426,342,051 in total loans and leases, making it easier for you to achieve your financial goals.

Growing Membership Base

With a total of 103,946 share accounts, more individuals are choosing Northland Area as their trusted credit union partner. Our net shares amounting to $1,114,341 reflect the funds available for lending and investments that benefit you directly. In summary, 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 2170 S M 76 West Branch Mi 48661 or call (989) 345-0179 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Your savings are well protected with us. We have $112,459,406 in share certificates and $123,775,518 in money market shares, offering stable and rewarding financial growth opportunities for all our members. Unlike traditional banks, we prioritize our members' interests. With non-member deposits at $10,317,045, we ensure that our resources are focused on benefiting you through better loan rates and exclusive perks.

Operational Efficiency

Our operational efficiency is showcased by our $2,377,737, which enables us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 144 full-time employees and 4 part-time employees ready to assist you with any questions or needs.

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. We provide flexible terms and competitive interest rates, making it easier for you to drive away in the vehicle you desire.

Business Financing

If you're a business owner seeking growth opportunities, our outstanding commercial loans totaling $118,508,839 provide the capital needed to grow and expand your business endeavors.

Credit Lines and Unsecured Loans

For those who need extra flexibility, our total credit lines amount to $200,424,521, providing you with access to funds when needed. We also offer flexible terms on unsecured credit card loans, though currently, our total in unsecured credit card loans stands at $0. This means we focus on helping members manage their finances effectively through other lending options.

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. Our team will guide you through the process, ensuring you understand every aspect of your mortgage options.

Refinancing Options

We also offer refinancing options for many of our loan products. If you're looking to lower your monthly payments or consolidate debt, our team is ready to explore eligibility options tailored specifically for your situation. At Northland Area, we're committed to serving our community's financial needs with transparency and integrity. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Come visit us today at 2170 S M 76 West Branch Mi 48661, call us at (989) 345-0179, or explore more about our services online at https://www.northlandcu.com/. Let's work together toward achieving your financial goals!

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). This ensures that users receive fair and transparent offers. By relying on verified information from reputable lenders, LendMesh guarantees accurate comparisons that empower users to make informed decisions.

Benefits of Using LendMesh

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Northland Area