Hours of Operation
| Service Center PHONES ONLY | |
| Monday - Thursday | 8:30 am - 8:00 pm |
| Friday | 8:30 am - 8:00 pm |
| Saturday | 9:00 am - 3:00 pm |
| Lobby & Drive Thru Hours | |
| Monday - Thursday | 9:00 am - 5:00 pm |
| Friday | 9:00 am - 5:30 pm |
| Saturday | CLOSED |
Holiday Closings
| New Year's Day | Wednesday January 1, 2025 |
| Martin Luther King Day | Monday, January 20, 2025 |
| President's Day | Monday, February 17, 2025 |
| Memorial Day | Monday, May 26, 2025 |
| Juneteenth | Thursday, June 19, 2025 |
| Independence Day | Friday, July 4, 2025 |
| Labor Day | Monday, September 1, 2025 |
| Columbus Day | Monday, October 13, 2025 |
| Veteran's Day | Tuesday, November 11, 2025 |
| Thanksgiving | CLOSED Thursday, November 27, 2025; Friday, November 28, 2025 Lobby and Drives Closed-Service Center (Phones) Open. |
| Christmas | Wednesday, December 24, 2025 Lobby and Drives CLOSED- Service Center (Phones) OPEN 8:30 am - 12:00 pm CLOSED Thursday, December 25, 2025. |
| New Year | Open 9am-12pm, Wednesday, December 31, 2025; CLOSED Thursday, January 1, 2026. |
Locations
Administration
2665 S. Reserve Rd
P.O. Box 817
Houghton Lake, MI 48629
Call or Text: (989) 910-5135
General fax: (989) 910-5128
Mortgage fax: (616) 532-9196
Teller Services unavailable at this location.
Grandville
3140 Ivanrest SW
Grandville, MI 49418
Branch Manager: Nate Mcmurtry
Grayling
505 Clyde Street, PO Box 481
Grayling, MI 49738
Branch Manager: Kelly Blanchett
24 hour drive-up ATM
Houghton Lake
2671 Reserve Road, PO Box 220
Houghton Lake, MI 48629
Branch Manager: Kelly Blanchett
24 hour drive-up ATM
Roscommon
129 Lake Street, PO Box 727
Roscommon, MI 48653
Branch Manager: Dar Stead-Smith
24 hour drive-up ATM
Standish
212 Court Street, PO Box 156
Standish, MI 48658
*NEW HOME FALL 2025
3768 South Huron Road
Standish, MI 48658
Branch Manager: Jennifer Eubank
24 hour walk-in ATM
Shared Branching & ATMs
Click on the logos to the left to locate a shared branch or a surcharge-free ATM! With shared branching, you can use any branch in our shared network as if it were a North Central branch! With the Co-Op network, you have access to more surcharge-free ATMs than just about any bank in the country!
Avoid ATM fees by locating the nearest CO-OP ATM when you are traveling away from home you can send a text from your phone to 692667 and enter the zip code of your location for a quick list of near-by access to your money!
By using one of the nearly 30,000 ATMs in the CO-OP ATM network, you can benefit from “surcharge-free” transactions. Even if you are not present at your home credit union location, you can still use an in-network terminal and avoid the fees. Simply put: Keep your cash in your pocket, where it counts.
Aside from the thousands of credit union ATM locations, you can get cash at many popular retail locations such as Walgreens, Costco® and 7-Eleven®. So when you are out and about, entertaining a busy day’s schedule, your trusted CO-OP ATM network is never far from reach.