Our Story
Member-owned, not-for-profit, and proudly Michigan since 1956.
What is North Central Area Credit Union? NCACU is a member-owned, not-for-profit financial cooperative that has served Michigan since 1956. Every member is an owner, and our earnings go back to members in the form of better rates, lower fees, and local service — not to outside shareholders.
Banking that belongs to you
When you join NCACU, you're not just a customer — you're an owner. That single difference shapes everything: how we price our loans, how we treat you when life gets complicated, and how we reinvest in the towns we serve.
From our home on Houghton Lake to branches in Grayling, Roscommon, Standish, Grandville, and Kalamazoo, we've grown by staying true to the cooperative idea: people helping people.
Your dynamic financial partner, guiding and empowering your success.— The NCACU mission
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.