Open Your Account
Join in about ten minutes and start banking the member-owned way. All you need is $5 to become an owner.
How do I open an account with NCACU? Choose your account, confirm you're eligible to join (live, work, worship, or attend school in our Michigan communities), and apply online or at a branch. Fund your $5 membership share and you're an owner — with access to checking, loans, and digital banking.
What you'll need
Your ID
A government-issued photo ID such as a driver's license or state ID.
Your details
Social Security number, date of birth, and current address.
$5 to join
A debit/credit card or transfer to fund your membership share.
- Open online in about ten minutes
- Become a member-owner, not just a customer
- Federally insured by NCUA to at least $250,000
- Add checking, debit, and digital banking instantly
- Bilingual help available — Hablamos Español
Let's get started
Already a member? You can add new accounts in online banking.