Community
We're owned by our members and rooted in Michigan — and we reinvest right here at home.
How does NCACU support the community? As a member-owned, not-for-profit credit union, NCACU reinvests locally through financial education, community sponsorships and volunteering, and good local jobs. When the credit union does well, our Michigan communities do too.
Explore Community
Why members choose NCACU
When you bank with North Central Area Credit Union, you're not a customer — you're an owner. That changes everything about how we treat you.
- Member-owned — earnings return to you
- Competitive rates and lower fees
- Local, bilingual service — Hablamos Español
- ~30,000 surcharge-free ATMs and shared branching
- Federally insured by NCUA to at least $250,000
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.