Author Archives: tracy

Take a Budget Break!


Summer is a great time to Skip A Pay!  If you have a loan that is eligible, apply for Skip a Pay and instead of your regularly monthly payment, you will make a $20 donation to the Scholarship Fund.  Free up some cash and help students in college! Click here for more information and to apply.


Vector illustration of orange and black icon for phone

Through the transition to our new phone system, our 1-800 number was inadvertently disconnected. Thanks to the members who notified us of the problem!  We are working on a solution to this issue. In the meantime, please call (989) 910-5135. Our 24 Teller is the first option in our menu, or stay on the line for personal assistance from our Service Center in Houghton Lake. Thank you!

Be Diligent!

fraud alert

Fraud continues to be a common problem with recent reports of calls from Credit Card companies needing your account number to protect you from an interest rate increase.  Remember, a legitimate company will NEVER ask you for your account number. They already have it! Never give out your personal information on  the phone or internet!

Catch a Great Rate!


See your loan officer today for a great rate on all your lending needs.  We have the perfect loan product for you!  No application fees or hidden charges.  Stop in today!

Fraud Alert


Members reported suspicion of fraudulent calls to our Service Center today.  One member reported the caller saying there was a renewal due with their Medicare coverage and offering to take a payment from their checking account.  Another member reported two callers from different numbers saying they were calling about a credit card account.  Remember–these fraudulent callers are VERY good at what they do–scam you out of money!  NEVER, EVER give your account or personal information over the phone! When in doubt let an unknown number go to voicemail.  Just remember–you protect yourself best by NEVER giving out your information.

Mortgage Season

NCACU Rear 10

Mortgage Season is coming!  Are you ready?  If you are considering buying a new home, refinancing your current home or adding a second property it’s time to get a plan together!  Our Mortgage Coordinator, Mark Church, is here to help you!  Call him at (989) 910-5140 and set an appointment to come see him.  He can answer your questions and help you get a plan together so when the winter breaks and the housing market starts to really take off—you are ready to go!

Acting Up for Financial Literacy

North Central Area Credit Union, with support of the Michigan Credit Union Foundation, has paired up with Acting Up Theatre Company to provide interactive financial literacy to 3rd and 4th grade students in three local schools. Students in Grayling and Houghton Lake have already performed plays that they wrote about their local economies, financial literacy, and credit union history and philosophy.  Next up, Roscommon Elementary will participate in the program during National Credit Union Youth Month.  Stay tuned for details!



Fraud Alert


North Central has received two reports of a caller saying they are from NCACU and that their card has been frozen for fraudulent purposes.  The caller asks the recipient to confirm their card number and PIN.  Remember—WE WILL NEVER CALL YOU AND ASK FOR YOUR CARD NUMBER OR PIN.  Please do NOT give out your information.  If you already have, please call us or after hours call the number on the back of your card and close the account immediately.  You can always detect fraud when they ask you to give your account number.  WE HAVE YOUR ACCOUNT number.  Tis the season!  Be diligent in fraud prevention!!

ATM Deposit or Night Deposit?


Do you ever wonder which is faster?  NCACU offers two solutions for after hours deposits–our Night Deposit Box located at each building (generally near the drive thru) or you can also deposit funds through the ATM system.  If you are looking for the fastest deposit to your account–use the Night Deposit Box.  Those deposits are collected each day at opening and post right away.  ATM deposits require a 48 hour hold.  Remember, any time you deposit using one of the after hour methods–always use an envelope and include your account number and the amount of the deposit.