Savings
From your first $5 share to your retirement nest egg, we have a federally insured place to grow your money.
Where should I keep my savings? North Central Area Credit Union offers a full range of federally insured savings options — from a basic share savings account to money market accounts, certificates (CDs), IRAs, and Health Savings Accounts — each backed by the NCUA up to at least $250,000 per member.
Explore Savings
Savings Accounts
Your membership share — start with just $5.
Learn moreMoney Market
Higher rates with full access to your funds.
Learn moreCertificates (CDs)
Lock in a guaranteed return for a set term.
Learn moreIRAs & Retirement
Traditional and Roth IRAs for the long term.
Learn moreYouth Savings
Help kids build the savings habit early.
Learn moreHealth Savings (HSA)
Triple-tax-advantaged medical savings.
Learn moreWhy 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.