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Make NCACU Your Trusted Banking Choice

By Mark Richter, President & CEO
North Central Area Credit Union
Houghton Lake, MI

We’re safe and sound!

In light of recent bank failures, making the right choice for your financial well-being is crucial — and where you choose to keep your money is key. At North Central Area Credit Union, we are your safest, most reliable banking partner, proudly serving Northern Michigan since 1956.

Time is on our side. Through the decades, we have met every market challenge head-on, ensuring your hard-earned money is in secure hands.

Celebrating new opportunities:

We’re excited to announce that our merger with First United Credit Union in Grandville, MI, was completed in July, enabling us to expand our services to the greater Grand Rapids area. With shared values and unified leadership, we have unlimited potential to help more people in Michigan. Still, as we embrace these growth opportunities, we remain committed to serving our members and the communities we love.

As a member-owned financial cooperative, we will continue to deliver benefits beyond banking. At NCACU, you’re not merely a customer but a member — an essential part of the NCACU family. Being a member means many financial perks, including lower loan rates, better deposit rates, fewer fees, and a personal approach to service with customized solutions.

As a credit union, we operate differently from banks. We answer to you, our members, not outside shareholders. Each member holds an equal share of ownership and has a voice in our decisions, ensuring your best interests always come first. This way of doing business has served our members well since our inception.

The future is bright.

Our membership numbers are thriving — as is credit union membership nationwide. However, despite this growth in credit union members, it’s no secret the number of credit unions in the U.S. has been declining for decades. Since 1992, CUNA reports that the number of credit unions has dropped from 12,967 to 4,857 in 2022.

We want to assure our members that at NCACU, we’re here to stay and will remain relevant in a changing financial landscape. Our recent merger strengthens us, and we’re poised to meet future goals and challenges directly.

We’ll continue to focus on strong and balanced growth through prudent lending options, insured deposit products, and digital banking choices — while meeting your diverse needs. Our board also takes its leadership and fiduciary responsibilities seriously, focusing on learning and development, and our financial strength is unparalleled.

We also have a compelling field of membership to ensure future growth. Currently, NCACU can serve anyone who lives, works, worships, or attends school in the State of Michigan. That means we can offer more opportunities to more people — and that’s an exciting vision for us!

Join us at NCACU, your locally owned and operated financial institution — and invite your friends and family to experience a better banking option.

Together, we’ll uphold our guiding principles:

  • All decisions shall be ethical.
  • We are committed to serving the member’s financial well-being.
  • We treat everyone with dignity, respect, and equal consideration.
  • We support and enhance the quality of our communities.
  • We are relationship, member, and community-driven.

Rest assured, your funds are safe and sound with NCACU!

Mark Richter
President & CEO, NCACU