You do not have to be a member to apply for a loan, but upon approval you will need to qualify for membership. Our Switch Kit makes switching your accounts a breeze!
Who qualifies for membership?
People who live, work, worship, or attend school in and businesses and other legal entities located in Alcona, Alpena, Antrim, Arenac, Benzie, Charlevoix, Cheboygan, Clare, Crawford, Emmet, Gladwin, Grand Traverse, Iosco, Kalkaska, Lake, Leelanau, Manistee, Mason, Missaukee, Montmorency, Ogemaw, Osceola, Oscoda, Otsego, Presque Isle, Roscommon, and Wexford counties in Michigan; and also included are spouses of persons who died while within the field of membership of this credit union, employees of this credit union, members of their immediate family or household, and organizations of such persons.
Still have membership questions? Please stop by any branch location or call 989-739-1401.
Notary service is provided free of charge to all Northland members. Notaries are available at all branch locations.
The federal government requires that each of the three national credit-reporting agencies—Experian, Equifax, and TransUnion—gives you a free credit report every year. Here's how to get your free report:
- Online, visit AnnualCreditReport.com
- By phone, call 877-322–8228
- By mail, write to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
Important tips:
- AnnualCreditReport.com also offers Credit Scores for a fee. No purchase is required to get a free Credit Report.
- We suggest ordering 1 credit report every 4 months in order to monitor your credit throughout the year.
- Do not contact the individual credit-reporting agencies. They typically charge for reports when contacted directly.
- Beware of other sites that claim to offer free credit reports. They often charge for another service if you accept the report. These services may come with recurring monthly charges.
Find out about rebuilding credit.
You are eligible to join Northland if you belong to our Field of Membership (see below).
Open an Account online, or stop by any of our convenient branch locations to open an account with a deposit as low as $5.00.
Field of Membership:
People who live, work, worship, or attend school in and businesses and other legal entities located in Alcona, Alpena, Antrim, Arenac, Benzie, Charlevoix, Cheboygan, Clare, Crawford, Emmet, Gladwin, Grand Traverse, Iosco, Kalkaska, Lake, Leelanau, Manistee, Mason, Missaukee, Montmorency, Ogemaw, Osceola, Oscoda, Otsego, Presque Isle, Roscommon, and Wexford counties in Michigan; and also included are spouses of persons who died while within the field of membership of this credit union, employees of this credit union, members of their immediate family or household, and organizations of such persons.
Contact information can be changed by visiting any Northland Branch, by calling us directly at 989-739-1401, or by logging into your Digital Banking Account.
For your security, we do not allow a direct connection within home banking.
To transfer history to your accounting software, login to home banking > choose the account, date range and file format > download and save the file. Next, login to your accounting software > upload the file.
Available file formats:
Intuit Quicken (QFX)
Intuit QuickBooks (IIF)
Microsoft Money (OFX)
Personal Finance (QIF)
Spreadsheet (CSV)
Word Processing (TXT)
A Stop Payment Order may be requested on any outstanding draft drawn on an account.
To be binding, it must include the member’s name, account number, date written, check number, payable to, and the exact amount.
A Stop Payment Order will be effective as follows:
- For an oral order , a period of fourteen (14) days from the date of the order.
- For a written order, a period of six (6) months form the date of the order.
A Stop Payment Order may take up to 24 hours to take effect.
Please refer to the Rewards/Fee Schedule for applicable fees.
Absolutely. Your money is insured by the National Credit Union Administration (NCUA), an independent agency of the United States Government. Your savings is federally insured up to $250,000 and backed by the full faith and credit of the United States Government.
Learn more at the NCUA’s mycreditunion.gov.
The Hours and Locations page has all the info you need for the Call Center, branch locations, shared branch locations and more.
Nova can handle large call volumes easily and offer 24/7 availability to assist members. Nova can respond to member inquiries instantly while ensuring 100% accuracy in each response. Nova can improve operational efficiency and provide more time for proactive member support.
You will need to initially enter either your full Social Security Number or your Account Number. If you enter your Account Number, the secondary verification will be the last four digits of your Social Security Number or the last four digits of your Debit Card Number. If you enter your Social Security Number, you will need to do secondary validation with either your full Account Number or the last four digits of your Debit Card Number.
For questions of a general nature, please use the Contact Us form on our website. Do not include account numbers or other private information. Questions will be answered during normal business hours.
For specific questions regarding an account, please call our friendly staff at 989-739-1401. You can also use secure messaging by logging in to Home banking or your Mobile banking app.
All items can be faxed to 989-340-2650.
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Time is of the essence. Notify all creditors and financial institutions to protect your accounts. First steps and additional resources.
If you are not satisfied with Nova’s response, please say “CANCEL” to return back to the previous menu.
Nova can help members with the following:
• Account Balance
• Deposit Status
• Money Transfer
• Transaction History
• Routing Number
• Apply for Loans
• Loan Rates
• Savings Rates
• Branch Hours/ATM/Branch Locations
• Sign-up for E-Statements
• Loan Payments
To help protect our members from fraud, NAFCU passwords must be changed at least once every 12 months. We strongly recommend using unique passwords for all of your login sites.
Passwords must be 8-32 characters long, contain at least one letter, one number, and one special character. Special characters allowed: !"$%&(*)+,/;=?{\}^_'{|}`
No, Northland will never call or text you and ask for personal, identifying, or account information. We already have it. Never share personal information with callers.
Scammers use fake caller ID information to trick people into thinking they are a trusted agency, they ask for identifying info and try to steal your money. This is called Caller ID Spoofing. It is nearly impossible to be sure Caller ID is real.
If you get a strange call from someone with a recognizable caller ID, hang up and look up the real number of the trusted organization to call directly. Do Not Hit Redial.
Shared Branch transactions are now even easier and more secure! When you visit a Shared Branch, you'll follow these simple steps:
- In order to access shared branch out of state, you must have a smart phone to scan the QR code in branch and verify your identity prior to conducting your transaction. Scan the QR code located in the branch or visit verify.coop.org.
- Select your credit union's name from the drop-down list.
- Enter your member number and the last four digits of your social security number.
- Upload a photo of your ID and take a selfie (Tip: Save your validation for an even quicker experience next time).
- Show your one-time password to the teller (this passcode is valid for 20 minutes).
This additional layer of authentication, called IDCheck, helps to verify your identity for various transactions, including loan payments, cashier's checks, deposits, withdrawals, transfers, and account inquiries.
Important Security Reminder: Please remember that we will never call you and ask you for any verification codes. If you receive a suspicious call, hang up immediately. If you have any questions, please call Northland directly at 989-739-1401.
No, Trust & Will is not a law firm, and is not a substitute for a lawyer or a law firm. Trust&Will cannot give legal advice, guidance, or services. No attorney-client relationship is formed by any interactions with Trust&Will and information provided to Trust&Will is not protected by the attorney-client privilege.
Wills and Trusts have a lot of overlap, but also a lot of differences.
Wills are simpler documents that let you name guardians for kids and pets, designate where assets go, and specify final arrangements. The simplicity of a Will does come with some drawbacks: a Will offers more limited control over the distribution of assets and often must go through a probate process after death.
Like a Will, a Trust also controls the disposition of assets but provides greater control over when and how your assets are distributed. Trusts only apply to assets held in the Trust, so you will need to transfer assets to the Trust. This makes a Trust a little more complex to set up, but it brings a major benefit. Trusts are also often used to minimize or avoid probate entirely, which can be a huge draw for many and justifies the additional work upfront needed to create a Trust.
Both are ways to say who will receive your assets - Each has different ways of distributing those assets, as well as different advantages and disadvantages.
You can learn more about Trusts and Wills here!
Yes! Online Estate Planning offers the same level of validity and function as its traditional counterpart, with added advantages (such as affordability and accessibility). By leveraging advanced technology alongside exceptional customer support, their services ensure a smooth experience from start to finish, simplifying estate planning for everyone. Trust & Will is the trusted estate planning partner of 100+ financial institutions across the US.
Most people complete a Will in 15 minutes, and a Trust in about 20 minutes. All your answers are saved as you go, so feel free to pause and come back to pick up where you left off at any time!
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To login to Digital Banking, click on the blue Login button on the upper right corner of the Northland website Home page and fill in your login ID and password.
To login using a mobile device, first download our Northland Mobile Banking app from Google Play Store or from The App Store and enter your user ID and password.
If your employer offers direct deposit, your payroll department will have an authorization form for you to sign. You'll need to provide Northland’s routing number 272486025 and your account number. Your employer will take care of the rest!
There are a few ways to find Shared Branches.
- By zip code on our Hours and Locations page
- Visit co-opsharedbranch.org
- Call 888-748-3266 (888- SITE-CO-OP)
To help protect our members from fraud, NAFCU passwords must be changed at least once every 12 months. We strongly recommend using unique passwords for all of your login sites.
Passwords must be 8-32 characters long, contain at least one letter, one number, and one special character. Special characters allowed: !"$%&(*)+,/;=?{\}^_'{|}`
- About Northland Area FCU
- Account Questions
- ATM Questions
- Bill Pay
- Checking Questions
- Debit Card Questions
- Digital Banking Questions
- Financial Literacy Questions
- Loan and Credit Questions
- Miscellaneous Questions
- Mobile Deposit RDC
- Product and Service Questions
- Roth IRA Questions
- ScoreCard Rewards
- Security Questions
- Share Certificates Questions
- Shared Branch
- Trust&Will Estate Planning
- What's an eBill?