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Hours & Locations


Hours of Operation

Service Center
Monday - Thursday8:30am - 5:00pm
Friday8:30am - 6:00pm
Drive Thru Hours
Monday - Thursday8:30am - 5:00pm
Friday8:30am - 6:00pm
Saturday8:30 am-1:00 pm
Lobby Hours
Monday - Thursday9:00am - 5:00pm
Friday9:00am - 6:00pm

Holiday Closings

New Year's DayFriday, January 1, 2021
Martin Luther King DayMonday, January 18, 2021
Washington's BirthdayMonday, February 15, 2021
Memorial DaySaturday, May 29 and Monday, May 31, 2021
Independence DayMonday, July 5, 2021
Labor DaySaturday, September 4th and Monday, September 6th, 2021
Columbus DayMonday, October 11th, 2021
Veteran's DayThursday, November 11, 2021
Thanksgiving DayThursday, November 25th, 2021
Christmas EveThursday, December 24th, 2020 Close at 1:00 pm
Christmas DayFriday, December 25, 2020
Christmas WeekendSaturday, December 26, 2020



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.


505 Clyde Street, PO Box 481
Grayling, MI. 49738

Phone: (989) 348-7488
Fax: (989) 348-8075

Branch Manager: Brian Watros
24 hour drive-up ATM


Houghton Lake

2671 Reserve Road, PO Box 220
Houghton Lake, MI 48629

Phone: (989) 366-9646
Fax:(989) 366-9391

Branch Manager: Stephanie Harris
24 hour drive-up ATM


129 Lake Street, PO Box 727
Roscommon, MI. 48653

Phone: (989) 275-5169
Fax: (989) 275-4340

Branch Manager: Dar Stead-Smith
24 hour drive-up ATM


Standish212 Court Street, PO Box 156
Standish, MI. 48658

Phone: (989) 846-9553
Fax: (989) 846-1144

Branch Manager: Jennifer Eubank
24 hour walk-in ATM

Shared Branching

Xtend Shared Branching Network CO-OP ATM Network

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 an NCACU branch! With the Co-Op network, you have access to more surcharge-free ATMs than just about any bank in the country!

Our lobbies are open! We have reserved the first hour of business on Tuesdays and Thursdays for seniors and high-risk members. Under Executive Order 2020-153, visitors must wear a face covering while in the branch. We appreciate your cooperation.