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Here on our resource page, you can find LINKS to important tools and information.

Forging New Opportunities-FAQ’s

NCACU Member Merger FAQs v4 FINAL

Avoiding Fees

Learn why we charge fees and learn how you can avoid them HERE.

Video Coaching

Struggling to understand the features of It’s Me 24/7?  Check out these video tutorials!  CLICK HERE

Basic Budgeting

This is a tool that members can use to establish basic household budgets.  Budgeting is an art form–but doing it successfully is very important to successful money management. Click HERE to download a budget form. And don’t hesitate to call one of our credit counselors for assistance.

Check Re-Ordering

Your first re-order of checks must be completed by our Service Center.  Once you are established in the system, you can then order HERE.

Financial Literacy

The credit union offers Financial Literacy opportunities to our communities when possible.  Some ongoing programs exist.  Examples include Dollar Dog Savings Accounts for Kids, and the School Branches at Grayling Elementary, Houghton Lake Middle School, Roscommon Elementary and Roscommon Middle School are examples of continuous efforts to improve financial literacy in our communities. NCACU also participates in occasional opportunities offered by our communities like Neighborhood Connections, Job Fairs, and Business Expos. Click HERE to learn more.


NCACU offers annual scholarships to adult learners. Our scholarship window is open September 1-October 31 each year. Please check back during this time for application and more information.

Fraud Alerts

NCACU tries to share pertinent information about Fraud activity in our general area or activity that could impact members like tax fraud, phone scams, and computer-related phishing or scams.

Free Credit Report

Credit reports may affect your mortgage rates, credit card approvals, apartment requests, life insurance or even your job application. Reviewing your credit reports helps you catch signs of identity theft early. Federal law allows you to get a free copy of your credit report every 12 months from each credit reporting company. It is important to ensure that the information on all of your credit reports is correct and up to date.

Request your free credit reports


Calculators can help you estimate amortization and payments for loans related to autos and mortgages. Click HERE to try it.

CU Secure

CU Secure is an updated location to educate members on risks to member accounts through fraud. Click HERE to learn more.

NADA Guides

Research the latest new car prices, deals, used car values, specs, and more. NADA Guides is the leader in accurate vehicle pricing and vehicle information. Know your vehicles value before you buy or sell. Click HERE to see more.

Report Lost or Stolen Cards

You can report a lost or stolen credit/debit card using the numbers listed for the card you need to report. It is important that you call the correct number as each is specific to the type of card you are using.

Please note that you may be asked to give your name, our full business name (North Central Area Credit Union), and the last four digits of your Social Security Number, your address or phone number in order to verify your account.

During Business Hours

Please call our Service Center at (989) 910-5135

After Hours
ATM (888) 241-2510
VISA Credit Card (800) 369-4887
MasterCard Debit Card (877) 276-3721

Out of the Country
VISA Credit Card: (Collect) (401) 581-9994
ATM/MasterCard Debit Card: (909) 941-1398


Our Hours Are Changing July 1! Read More HERE!