Overview / Commentary
989-366-5135
2665 Reserve Rd
Houghton Lake, MI 48629

North Central Area Credit Union is headquartered in Houghton Lake and is the 89th largest credit union in the state of Michigan. It is also the 1,473rd largest credit union in the nation. It was established in 1956 and as of June of 2018, it had grown to 26 employees and 16,375 members at 5 locations. North Central Area Credit Union has an A health rating.

Field of Membership Restrictions

Membership is open to those who live, work, volunteer, worship or attend school in Alpena, Alcona, Antrim, Arenac, Benzie, Bay, Cheboygan, Charlevoix, Clare, Crawford, Emmet, Grand Traverse, Gladwin, Huron, Iosco, Kalkaska, Isabella, Lake, Leelanau, Manistee, Mason, Mecosta, Midland, Missaukee, Newaygo, Montmorency, Oceana, Ogemaw, Osceola, Oscoda, Otsego, Presque Ilse, Sanilac, Roscommon, Tuscola, and Wexford Counties in Michigan. Membership is also open to anyone who receive a retirement pension, annuity, or similar retirement payment and live in or belong to a retirement organization in these counties.
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Health

Health Grade Components

Overall
NCUA #61953
Year Chartered1956
Employees26
Primary Regulator
Profit Margin
Return on Assets - YTD0.36%
Return on Equity - YTD4.6%
Annual Interest Income$1.7MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$117.0MM$113.9MM
LoansQ2 2018vs Q2 2017$52.1MM$48.4MM
DepositsQ2 2018vs Q2 2017$107.1MM$102.4MM
Equity CapitalQ2 2018vs Q2 2017$9.0MM$10.2MM
Loan Loss AllowanceQ2 2018vs Q2 2017$387.00K$286.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$203.00K$172.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

North Central Area Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.80%--Traditional IRA
0.80%--Coverdell Education IRA
0.80%--Roth IRA
0.25%--Christmas Club
0.10%--Prime Share
0.10%--Secondary Share

North Central Area Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$50k*-Money Market
OTHER TIERS: 0.15% Up to $10k | 0.20% $10k - $50k

North Central Area Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.76%$500-60 Month CD
1.56%$500-48 Month CD
1.26%$500-36 Month CD
0.60%$500-30 Month CD
0.50%$500-24 Month CD
0.40%$500-18 Month CD
0.35%$500-12 Month CD
0.25%$500-6 Month CD
0.15%$500-3 Month CD
Locations


North Central Area Credit Union Locations
Branch Office2665 Reserve RdHoughton Lake, MI 48629-7900
Branch Office505 Clyde StGrayling, MI 49738
Branch Office212 Court St SStandish, MI 48658
Branch Office2671 Reserve RdHoughton Lake, MI 48629
Branch Office129 Lake StRoscommon, MI 48653-7658

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