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Overview / Commentary
989-366-9646
2665 Reserve Rd
Houghton Lake, MI 48629

North Central Area Credit Union is headquartered in Houghton Lake and is the 90th largest credit union in the state of Michigan. It is also the 1,476th largest credit union in the nation. It was established in 1956 and as of September of 2017, it had grown to 24 employees and 15,034 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
B+

Health Grade Components

Overall
NCUA #61953
Year Chartered1956
Employees24
Primary Regulator
Profit Margin
Return on Assets - YTD0.45%
Return on Equity - YTD5%
Annual Interest Income$2.5MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$114.3MM$112.4MM
LoansQ3 2017vs Q3 2016$49.5MM$51.1MM
DepositsQ3 2017vs Q3 2016$102.8MM$100.9MM
Equity CapitalQ3 2017vs Q3 2016$10.3MM$10.6MM
Loan Loss AllowanceQ3 2017vs Q3 2016$293.00K$203.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$373.00K$397.00K
Real Estate OwnedQ3 2017vs Q3 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

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 Account
OTHER TIERS: 0.15% Up to $10k | 0.20% $10k - $50k

North Central Area Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 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