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We Are Safe & Sound

A Message From Our President & CEO, Mark Richter

The recent news of bank failures is an excellent reminder that doing business with NCACU is your safest, most trustworthy banking choice. Having served Northern Michigan since 1956, we’ve weathered every economic event and downturn through the decades.

And now, we have an incredible opportunity!

With our recent merger with First United Credit Union, we can play a more integral role in serving the greater Grand Rapids area, bringing us a new market area with increased growth potential. We look forward to serving this segment and expanding our services to more people. As we grow, we can offer more services to you, our loyal members.

Our roots remain in serving you.

As your member-owned financial cooperative, membership benefits are much greater than simply being a customer at a for-profit bank. As a credit union member, profits are returned to you through lower loan rates, better deposit rates, fewer fees, and an enhanced level of service. You truly see the difference being a member makes!

You’re the reason we’re in business.

As a credit union, we are owned by you, our members; there are no stockholders or outside companies that we are beholden to. Each member also has an equal share of ownership — members can attend our annual meeting and even run for our board of directors. Oversight is provided by this volunteer board, a cross-section of members who live and work in the same communities as you do. This democratic concept ensures your best interests remain the priority.

As your primary financial institution, we will continue to focus on strong and balanced growth through loans and deposits. This includes offering prudent lending options for cars, homes, and small businesses, an array of insured deposit products, and digital banking choices. As part of the NCACU family, our members all share the same values of hard work, dedication, and perseverance — and we are here to uphold those values.

Rest easy — deposits are federally insured by the National Credit Union Administration.

Now that we have joined forces with First United Credit Union, we’re financially stronger than ever. We also remain a federally chartered credit union — with all deposits insured by the NCUA up to $250,000 per individual depositor. It’s worth emphasizing that not one penny of insured savings has ever been lost by a member of a federally insured credit union.

You can count on us.

We invite you to bring your funds to NCACU, your locally owned and operated financial institution. Also, invite your friends and family to join so they have a better banking option.

We are safe and sound, and your financial needs remain our top priority! Don’t hesitate to contact us at (989) 910-5135 or (616) 532-9067 with any questions.

Mark Richter
President & CEO