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Northland Area Federal Credit Union

Popular Accounts at this Credit Union

1.60%5-year CD5 Year Regular Certificate Non-Compound
0.40%1-year CD1 Year Regular Certificate Non-Compound
0.10%SavingsName it Yourself

Overview / Commentary
4346 F 41
Oscoda, MI 48750

Northland Area Federal Credit Union is headquartered in Oscoda and is the 40th largest credit union in the state of Michigan. It is also the 686th largest credit union in the nation. It was established in 1957 and as of September of 2016, it had grown to 112 employees and 42,882 members at 14 locations. Northland Area Federal Credit Union has an A+ health rating.

Field of Membership Restrictions

Membership is open to those who who live, work, worship, or attend school in and businesses and other legal entities located in Alcona, Alpena, Arenac, Crawford, Iosco, Montmorency, Ogemaw, Oscoda, Otsego or Roscommon Counties in Michigan.
See current membership details

Reviews (1)


This CU is the worst financial institute I have ever had to deal with. I have been a member of NAFCU since they merged with Ogemaw County Credit Union in 1995. I was a member of OCCU since 1989. With this said, I have never been approved for a loan without a co-signer. Every loan I have had here has been paid in full and never late. The employees do not treat me with the respect I have become used to at the other 3 banks I deal with, on a personal and professional level. So save your time and energy, go to a bank.


Health Grade Components

NCUA #11979
Year Chartered1957
Primary Regulator
Profit Margin
Return on Assets - YTD0.88%
Return on Equity - YTD8.01%
Annual Interest Income$9.5MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$340.6MM$310.6MM
LoansQ3 2016vs Q3 2015$247.4MM$215.8MM
DepositsQ3 2016vs Q3 2015$298.5MM$272.6MM
Equity CapitalQ3 2016vs Q3 2015$36.8MM$33.1MM
Loan Loss AllowanceQ3 2016vs Q3 2015$3.6MM$3.6MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$812.00K$1.6MM
Real Estate OwnedQ3 2016vs Q3 2015$386.00K$231.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Northland Area Federal Credit Union Savings Account Rates

0.90%--Traditional IRA
0.90%--Roth IRA
0.90%--Educational IRA
0.10%--Share Savings
0.10%--Name it Yourself

Northland Area Federal Credit Union Money Market Rates

0.30%*$50k*-Money Market Accounts
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $25k | 0.20% $25k - $50k

Northland Area Federal Credit Union Checking Account Rates


Northland Area Federal Credit Union CD Rates

1.60%$500-5 Year Regular CD
1.60%$500-5 Year Regular Certificate Non-Compound
1.21%$500-4 Year Regular CD
1.20%$500-4 Year Regular Certificate Non-Compound
0.90%$500-3 Year Regular CD
0.90%$500-3 Year Regular Certificate Non-Compound
0.60%$500-18 Month Regular CD
0.60%$500-30 Month Regular CD
0.60%$50k-2 Year Jumbo CD
0.60%$500-18 Month Regular Certificate Non-Compound
0.60%$500-30 Month Regular Certificate Non-Compound
0.55%$50k-12 Month Jumbo CD
0.50%$500-2 Year Plus CD
0.50%$500-2 Year Regular Certificate Non-Compound
0.40%$500-1 Year Plus CD
0.40%$50k-9 Month Jumbo CD
0.40%$500-1 Year Regular Certificate Non-Compound
0.30%$500-9 Month Regular CD
0.30%$500-9 Month Regular Certificate Non-Compound
0.20%$500-6 Month Regular CD
0.20%$50k-6 Month Jumbo CD
0.20%$500-6 Month Regular Certificate Non-Compound
0.10%$500-3 Month Regular CD
0.10%$20k-3 Month Jumbo CD
0.10%$10k-1 Month Jumbo CD
0.10%$500-3 Month Regular Certificate Non-Compound

Northland Area Federal Credit Union has 14 locations. Click to view all Northland Area Federal Credit Union locations.