North Central Area Credit Union of Houghton Lake, MI has 15,097 members and assets of $100 million. The credit union, opened in 1956, has 28 full time employees and 19 part time employees , or 408 members per employee, compared to a national average of 430.

North Central Area CU

North Central Area Credit Union, Houghton Lake


North Central Area Credit Union
2665 Reserve Rd PO Box 817
Houghton Lake, MI 48629

North Central Area Credit Union (NCACU) of Houghton Lake, Michigan has been a member-owned institution for more than 58 years, currently from 5 locations. It is designated as a state-chartered natural person credit union.

Checking services include no cost share drafts, share certificates with low minimum balance requirements, bill pay services, overdraft protection and overdraft lines of credit. Debit cards, ATMs with no surcharges and prepaid debit cards are available.

For members needing to establish credit, the credit union offers share-secured credit cards. Financial counseling, financial education and financial literacy workshops are offered.

Besides boat, RV, and car loans and other kinds of lending, NCACU can do real estate loans and has a first time homebuyer program. Employees can help you with check cashing, low-cost wire transfers and money orders. North Central Area CU members may also benefit from in-school branches, student scholarships and tax refund anticipation loans.

Services to businesses and professionals include business share accounts, business loans, mortgage processing and the credit union is an approved mortgage seller. People having other financial, savings, and investment needs will be pleased to find health savings accounts and insurance/investment products that are offered.

Available electronic access to NCACU includes Internet banking and automated telephone access. Remotely, you can file membership applications, take out a loan, look at your balance, pay your loan, view transactions, transfer money, pay bills, download your account history and get e-Statements.


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