- About Northland Area FCU
- Account Questions
- ATM Questions
- Bill Pay
- Checking Questions
- Debit Card Questions
- Financial Literacy Questions
- Home Banking Questions
- Loan and Credit Questions
- Miscellaneous Questions
- Product and Service Questions
- Roth IRA Questions
- ScoreCard Rewards
- Security Questions
- Share Certificates Questions
- What's an eBill?
Savings bonds may be redeemed at any of our branch locations with proper identification. Savings bonds are available for purchase online at savingsbonds.gov .
We do not currently accept utility bill payments at any of our branch locations.
Absolutely! Your payroll can be deposited entirely into one account, or split among several share and loan accounts. Call 989-739-1401 or visit a local branch location to arrange the distribution of your direct deposit.
We do not exchange foreign currency at this time.
Safety deposit boxes are available in the Grayling, Tawas and Oscoda branches. Please contact us at 989-739-1401 for pricing and availability.
Of course! Business services we offer:
- Savings - Low $5.00 miminum balance
- Checking - No minimum balance, no fees
- Free debit card with ATM account access
- Mobile services for when you're on the go
- Night depositories for after-hours deposits
- VISA cards - Authorize up to 4 company cards with individual numbers and limits
Talk to us about your business needs today! Call 989-739-1401 or visit a local branch.
Notary service is provided free of charge to all Northland members. Notaries are available at all branch locations.
Please visit our Career Opportunities page.
Money orders are available at all NAFCU branches.There may be a fee as determined by a member’s account relationship with us. Please refer to the Rewards/Fee schedule. We do not offer traveler's checks.
Yes. Northland accepts incoming wire transfers into members’ accounts free of charge. Outgoing domestic and international wires are also offered. Refer to the Rewards/Fee schedule for applicable fees.
Contact us to initiate your wire request.
Credit unions are non-profit and exist to help people, not to make a profit. As such, earnings are returned to their members in the form of high-interest savings, low rate loans and other free or low-cost products and services.
A volunteer board of directors, elected by the members, governs a credit union. With their vote, each member has a direct impact on the direction of the credit union. Also, "people helping people" is the credit union philosophy. A credit union's goal is to serve all of their members equally and provide charitable contributions to their community. Credit unions are owned by their members. Each member gets one vote and an equal say in how the credit union is run.
Find out more about the credit union difference.
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.
Mailing Address:
Northland Area Federal Credit Union
1161 N. Bagley St.
Alpena, MI 49707
Physical Address:
Northland Area Federal Credit Union
1161 N. Bagley St.
Alpena, MI 49707
Mailing Address:
NAFCU
PO Box 147
AuGres, MI 48703
Physical Address:
Northland Area Federal Credit Union
317 W. Huron Street
AuGres, MI 48703
Mailing Address:
NAFCU
PO Box 478
Gaylord, MI 49734
Physical Address:
Northland Area Federal Credit Union
1371 W. Main St.
Gaylord, MI 49735
Mailing Address:
NAFCU
PO Box 125
Glennie, MI 48737
Physical Address:
Northland Area Federal Credit Union
3358 State Street
Glennie, MI 48737
Mailing Address:
NAFCU
PO Box 705
Grayling, MI 49738
Physical Address:
Northland Area Federal Credit Union
2405 South I-75 Business Loop
Grayling, MI 49738
Mailing Address:
NAFCU
PO Box 225
Hale, MI 48739
Physical Address:
Northland Area Federal Credit Union
220 S. Washington
Hale, MI 48739
Mailing Address:
NAFCU
PO Box 601
Harrisville, MI 48740
Physical Address:
Northland Area Federal Credit Union
190 South US-23
Harrisville, MI 48740
Mailing Address:
NAFCU
PO Box 1536
Houghton Lake, MI 48629
Physical Address:
Northland Area Federal Credit Union
2285 W. Houghton Lake Drive
Houghton Lake, MI 48629
Mailing Address:
NAFCU
PO Box 328
Mio, MI 48647
Physical Address:
Northland Area Federal Credit Union
208 Morenci St.
Mio, MI 48647
Mailing Address:
NAFCU
PO Box 519
Oscoda, MI 48750
Physical Address:
Northland Area Federal Credit Union
4346 E. F-41
Oscoda, MI 48750
Mailing Address:
NAFCU
PO Box 4204
Prescott, MI 48756
Physical Address:
Northland Area Federal Credit Union
1927 Greenwood Rd.
Prescott, MI 48756
Mailing Address:
NAFCU
PO Box 526
East Tawas, MI 48730
Physical Address:
Northland Area Federal Credit Union
201 Hemlock Rd.
Tawas City, MI 48763
Mailing Address:
NAFCU
PO Box 303
West Branch, MI 48661
Physical Address:
Northland Area Federal Credit Union
2170 S. M-76
West Branch, MI 48661
Mailing Address:
NAFCU
PO Box 564
West Branch, MI 48661
Physical Address:
Northland Area Federal Credit Union
3177 West M-55 (actual)
3177 West M-76 (if using Google Maps for directions)
West Branch, MI 48661
It's important to establish good financial habits from an early age.
For members under the age of 18 we offer*:
- A Primary Share Savings Account ($5 minimum balance required)
- Name It Yourself Youth Share Accounts to help save for specific, name-it-yourself goals.
- Youth Certificates ($100 minimum balance required) can assist with saving funds for a set period of time while earning a predictable rate of return.
- Youth Loans are available to help young members build credit and learn to manage their finances.
*Please note, adult joint-ownership may be required.
VISA credit cards, Checking Accounts, and Debit Cards are not available for members under the age of 18.