2724-8602-5

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.

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.

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.

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.

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.

We do not currently accept utility bill payments at any of our branch locations.

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.

Savings bonds may be redeemed at any of our branch locations with proper identification.  Savings bonds are available for purchase online at savingsbonds.gov .

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.

Safety deposit boxes are available in the Grayling, Tawas and Oscoda branches. Please contact us at 989-739-1401 for pricing and availability.

We do not exchange foreign currency at this time.

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)

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 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