Hours of Operation
| Service Center PHONES ONLY | Effective July 1 |
| 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 28, 2024; Friday, November 29, 2024 Lobby and Drives Closed-Service Center (Phones) Open. |
| Christmas | Open 9am-12pm, Tuesday, December 24, 2024; CLOSED Wednesday, December 25, 2024. |
| New Year | Open 9am-12pm, Tuesday, December 31, 2024; CLOSED Wednesday, January 1, 2025. |
Locations
Administration
2665 S. Reserve Rd
P.O. Box 817
Houghton Lake, MI 48629
Phone: (989) 910-5135
General fax: (989) 910-5128
Mortgage fax: (989) 910-5129
Teller Services unavailable at this location.
Grandville
3140 Ivanrest SW
Grandville, MI 49418
Call or Text: (989) 910-5135
Fax: (616) 532-9196
Branch Manager: Brandon Sabin
Grayling
505 Clyde Street, PO Box 481
Grayling, MI 49738
Phone: (989) 910-5135
Fax: (989) 348-8075
Branch Manager: Kelly Blanchett
24 hour drive-up ATM
Houghton Lake
2671 Reserve Road, PO Box 220
Houghton Lake, MI 48629
Phone: (989) 910-5135
Fax:(989) 366-9391
Branch Manager:
24 hour drive-up ATM
Roscommon
129 Lake Street, PO Box 727
Roscommon, MI. 48653
Phone: (989) 910-5135
Fax: (989) 275-4340
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
Phone: (989) 910-5135
Fax: (989) 846-1144
Branch Manager: Jennifer Eubank
24 hour walk-in ATM
Shared Branching
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!