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North Central was established in 1956 as North Central State Employees Credit Union conducted out of, at the time, the official treasurer’s home. The first building was built in 1970 in Roscommon, MI. In 1975 the credit union name changed to North Central Governmental Credit union and merged with Top Seven Credit Union in 1980. In 1985 we became North Central Area Credit union and opened our Houghton Lake Branch. Merging with Standish Community Credit Union in 1990 and built the Grayling, MI branch. With this growth we built an administration building in Houghton Lake and shortly thereafter becoming a full service credit union, also servicing school branches. In 2017 we rebranded to freshen up our branches and in 2023 merged with First United Credit Union, adding our 6th building in Grandville, MI.

Our Vision Statement

Your trusted partner
empowering our members and communities

to reach their financial goals.

What does NCACU do better than any other business you go to?

We listened to our members in a survey to rebrand in 2017, sharing what was important to them in a financial institution. There were 5 common themes that helped us create our logo, check it out!

Our brand positioning attributes are what set us apart. They do not describe what we do, but instead provide detail around the benefits that we provide, from the viewpoint of our stakeholders (i.e. our members and employees).


“When we needed them they stood by us and we feel like part of a caring family.”

“Very personal service…I am always greeted by name when I go to the credit union, even by tellers who don’t know me well!”

The Credit Union Philosophy

Credit unions are democratically owned and controlled institutions based on People Helping People principles. Credit union boards of directors are elected by the members; each member has one vote, regardless of how much money they have. Only members may serve as directors, and directors serve without compensation. Credit unions have no outside stockholders, so after reserves are set aside, earnings are returned to members in the form of higher dividends on savings, lower loan rates, and lower cost for services.