Overview / Commentary
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 1,472nd largest credit union in the nation. It was established in 1956 and as of December of 2018, it had grown to 29 employees and 16,577 members at 5 locations. North Central Area Credit Union has a B+ 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 Grade Components

NCUA #61953
Year Chartered1956
Primary Regulator
Profit Margin
Return on Assets - YTD0.45%
Return on Equity - YTD5.21%
Annual Interest Income$3.6MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$116.8MM$113.3MM
LoansQ4 2018vs Q4 2017$53.9MM$50.8MM
DepositsQ4 2018vs Q4 2017$105.8MM$102.6MM
Equity CapitalQ4 2018vs Q4 2017$10.1MM$9.8MM
Loan Loss AllowanceQ4 2018vs Q4 2017$358.00K$354.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$777.00K$443.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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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

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

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

North Central Area Credit Union CD Rates

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

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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