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North Central Area Credit Union

Popular Accounts at this Credit Union

1.11%5-year CD60 Month CD
0.35%1-year CD12 Month CD
0.10%SavingsSecondary Share

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 1,478th largest credit union in the nation. It was established in 1956 and as of June of 2016, it had grown to 28 employees and 15,555 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 Grade Components

NCUA #61953
Year Chartered1956
Primary Regulator
Profit Margin
Return on Assets - YTD0.38%
Return on Equity - YTD3.9%
Annual Interest Income$1.7MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$110.0MM$105.3MM
LoansQ2 2016vs Q2 2015$51.9MM$52.1MM
DepositsQ2 2016vs Q2 2015$98.3MM$94.7MM
Equity CapitalQ2 2016vs Q2 2015$10.7MM$9.8MM
Loan Loss AllowanceQ2 2016vs Q2 2015$154.00K$95.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$440.00K$378.00K
Real Estate OwnedQ2 2016vs Q2 2015$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 Account
OTHER TIERS: 0.15% Up to $10k | 0.20% $10k - $50k

North Central Area Credit Union CD Rates

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

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

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