Welcome to straits-area, a community-focused financial institution established in 1951 and headquartered in the heart of Cheboygan, MI. Under the guidance of our dedicated CEO, Cindy Harrison, and Board President, Harold Borowicz, we pride ourselves on providing exceptional service to our members while fostering financial empowerment and stability within our community. As a proud member of the National Credit Union Administration (NCUA), we ensure your deposits are safe and secure, having been insured since 6/18/1971 0:00.

At straits-area, we understand that modern banking needs to be accessible and convenient. That's why we offer a range of innovative services including Online Banking, a user-friendly Mobile Application, P2P Transfers, E-Statements, and E-signature Authorization to streamline your banking experience. While we currently do not support mobile payments, we continually strive to enhance our offerings for the benefit of our members. Our commitment to trust and accessibility is at the forefront of everything we do, making us a reliable partner in your financial journey. For more information about our services or to get started today, visit us online at https://www.safcu.com/ or reach out via fax at (231) 627-2046.

At Straits Area Credit Union, we are dedicated to providing a comprehensive suite of financial services designed to meet the diverse needs of our members. From personal banking options like checking and savings accounts to specialized services such as auto loans, mortgage refinancing, and credit cards with rewards, we are here to support you in every aspect of your financial journey. Our business banking solutions also cater to small businesses with merchant services and business loans, ensuring that entrepreneurs have access to the resources they need to thrive. With our focus on convenience, we offer online banking and a mobile application that allows you to manage your finances anytime, anywhere. Features like person-to-person transfers and e-statements enhance your banking experience, making it easier for you to stay organized and connected.

Understanding the importance of accessibility, Straits Area Credit Union welcomes members from various backgrounds. You can find out if you qualify for membership by visiting https://forms.joinmycu.com/mop/146/mop/eligibility . Our commitment extends beyond just traditional banking; we're here to empower you to plan for life milestones—be it buying a new home or financing a vehicle—as well as helping you grow your small business with tailored financial solutions. Additionally, if you're considering loan options or want to compare rates, check out https://www.lendmesh.com/loans/mortgage_loans for valuable insights. For any questions or personalized assistance, don't hesitate to reach us at (231) 627-2046. At Straits Area Credit Union, we're not just about transactions; we're about building lasting relationships with our members while helping you achieve your financial goals.

At Straits Area Credit Union, we pride ourselves on being a trusted financial partner to our community. With a robust Total Membership of 12,205, we have built strong relationships that empower individuals and families to achieve their financial goals. Our commitment to our members is reflected in our impressive Total Assets of 122,116,687, which signifies the trust placed in us by our members and demonstrates our stability in the ever-evolving financial landscape.

Our financial health is underscored by a solid Net Worth of 12,982,788 and a commendable Net Worth Ratio of 1,063, showcasing our commitment to maintaining strong reserves while providing essential services. In the past year, we achieved a Net Income of 900,566, further highlighting our efficient operations and dedication to serving our members' needs effectively.

With Total Deposits reaching 11,044,139 and an extensive portfolio comprising Total Loans and Leases amounting to 6,212, we are well-positioned to offer competitive loan options, including auto loans and credit cards with favorable terms. Our ability to manage these resources responsibly allows us to provide exceptional service while ensuring that our members have access to the financial products they need.

Our dedicated team of Total Employees, totaling 30, works tirelessly to support our members, offering personalized service that makes banking convenient and accessible. The diversity in our offerings, from personal loans and mortgages to business banking solutions, reflects our commitment to catering to various financial needs within the community.

Transparency is at the core of what we do, and we encourage potential members to explore their options with confidence. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov . We invite you to take control of your financial future today by exploring loan options tailored just for you. Compare real-time loan offers at https://www.lendmesh.com/loans/mortgage_loans and discover how Straits Area Credit Union can help you achieve your dreams.