North Central Area Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.11%	5-year CD	60 Month CD 2.35% - Synchrony Bank 60 Month CD
0.35%	1-year CD	12 Month CD 1.50% - Ally Bank No Penalty 11-Month CD
0.10%	Savings	Secondary Share 1.15% - CIT Bank Spring Savings

View all North Central Area Credit Union rates »

Overview / Commentary

www.ncacu.org

989-366-9646

2665 Reserve Rd
Houghton Lake, MI 48629

North Central Area Credit Union is headquartered in Houghton Lake and is the 90^th largest credit union in the state of Michigan. It is also the 1,478^th largest credit union in the nation. It was established in 1956 and as of March of 2017, it had grown to 25 employees and 15,034 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

A

Data as of Q1 2017

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Health Grade Components

Overall
NCUA #	61953
Year Chartered	1956
Employees	25
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.31%
Return on Equity - YTD	-3.58%
Annual Interest Income	$795.00K

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$114.3MM$108.5MM
Loans	Q1 2017vs Q1 2016	$48.5MM$50.9MM
Deposits	Q1 2017vs Q1 2016	$104.0MM$97.3MM
Equity Capital	Q1 2017vs Q1 2016	$9.6MM$10.4MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$275.00K$122.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$193.00K$419.00K
Real Estate Owned	Q1 2017vs Q1 2016	$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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%^*	$50k^*	-	Money Market Account
OTHER TIERS: 0.15% → Up to $10k \| 0.20% → $10k - $50k

North Central Area Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.11%	$500	-	60 Month CD
0.90%	$500	-	48 Month CD
0.70%	$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

North Central Area Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.11%	$500	-	60 Month IRA
0.90%	$500	-	48 Month IRA
0.70%	$500	-	36 Month IRA
0.60%	$500	-	30 Month IRA
0.50%	$500	-	24 Month IRA
0.40%	$500	-	18 Month IRA
0.35%	$500	-	12 Month IRA
0.25%	$500	-	6 Month IRA
0.15%	$500	-	3 Month IRA

Locations

North Central Area Credit Union Locations
Branch Office	2665 Reserve Rd	Houghton Lake, MI 48629-7900
Branch Office	505 Clyde St	Grayling, MI 49738
Branch Office	212 Court St S	Standish, MI 48658
Branch Office	2671 Reserve Rd	Houghton Lake, MI 48629
Branch Office	129 Lake St	Roscommon, MI 48653-7658