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Easy To Join


We are excited to announce NCACU can now serve anyone who lives, works, worships, or attends school in the State of Michigan.

Membership at NCACU is forever. Whether you change jobs, retire, or move to a new city or state, when you maintain your accounts in good standing, you remain a member for life.

Save Time & Money

Members save time and money with a full line of financial services.

Members can also access Shared Branch locations all over Michigan and more throughout the nation. Along with thousands of ATMs, members conveniently manage their accounts with free Online and Mobile Banking.

For greater convenience, access points continue to expand, and loan rates, one of NCACU’s strongest points, remain some of the best in the state and give members added savings in payments and interest.

If you live, work or attend school in the State of Michigan, you’re eligible to save time and money with our financial family just click the “Open an Account” button below. For details, call NCACU at (989) 910 – 5135 or stop in and visit one of your local branches.

  • Full line of financial services
  • Free checking, mortgages, home equity loans, debit cards
  • Thousands of ATMs
  • Hundreds of Shared Branches
  • Save with excellent loan rates
  • 24/7 Convenience with Online and Mobile Banking


Credit Union Difference

Credit Unions Banks
Philosophy Not for profit, not for charity, but for service. Decisions made in the members’ best interest. Generate profit for stockholders. Decisions profit-motivated for stockholders.
Structure Financial cooperatives with member/owners. Commercial businesses with paid stockholders; services offered to make a profit.
Ownership Members are equal owners. Stockholders.
Board of Directors Unpaid volunteers elected annually by membership. Paid shareholders. Only those with stock can vote.
Earnings/Income Income is returned to members in the forms of better rates and lower fees. Income is returned to stockholders in the form of higher stock dividends.
Fees Typically lower. Can account for up to 1/3 of total profits.
Deposit Insurance Federally insured up to $250,000 by the NCUA (National Credit Union Administration). Federally insured up to $250,000 by the FDIC (Federal Deposit Insurance Corporation).


Credit unions are not-for-profit financial cooperatives. At NCACU, we’re in business to serve you, our members, not make a profit. Unlike most other financial institutions, credit unions do not pay outside stockholders. Instead, earnings are returned to you in the form of lower loan rates, higher interest on deposits, and lower fees. We’ll save you time and money on ALL your financial needs.

An example of economic democracy, each member has equal ownership – regardless of how much money is on deposit. At NCACU, you’re both a member and an owner! Our people helping people philosophy also encourages our involvement in the community and many worthwhile charitable causes.

  • Not-for-profit financial cooperative
  • Service is our number one priority
  • Earnings returned to our member/owners
  • Lower loan rates
  • Higher interest on deposits
  • Community and civic-minded