Become a Member
If you live, work, worship, or attend school in our Michigan communities, you can join — and become an owner.
Who can join NCACU? Membership is open to anyone who lives, works, worships, or attends school in the Michigan communities we serve — and to their family members. Becoming a member is as simple as opening a share savings account with a $5 minimum deposit.
How to join in 3 steps
1. Confirm eligibility
Live, work, worship, or attend school in our Michigan communities — or be related to a member.
2. Apply online or in person
It takes about ten minutes. Have your ID and Social Security number ready.
3. Fund your $5 share
Your opening deposit makes you a member-owner with access to everything we offer.
The membership advantage
- A say in your credit union as a member-owner
- Better rates and lower fees than many banks
- Free checking and digital banking
- Access to ~30,000 surcharge-free ATMs and shared branching
- Local, bilingual service — Hablamos Español
Frequently Asked Questions
A government-issued photo ID, your Social Security number, and a way to fund your initial $5 deposit.
Yes. Immediate family members of a current member are eligible to join, even if they live elsewhere.
Yes — deposits are federally insured to at least $250,000 by the NCUA.
Ready to become a member?
Opening an account online takes about ten minutes. Membership is open to anyone who lives, works, worships, or attends school in our Michigan communities.