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 $250,000 and backed by the full faith and credit of the United States Government.
Learn more at the NCUA’s mycreditunion.gov.
The Hours and Locations page has all the info you need for the Call Center, branch locations, shared branch locations and more.
For questions of a general nature, please use the Contact Us form on our website. Do not include account numbers or other private information. Questions will be answered during normal business hours.
For specific questions regarding an account, please call our friendly staff at 989-739-1401. You can also use secure messaging by logging in to Home banking or your Mobile banking app.
All items can be faxed to 989-340-2650.
2724-8602-5
Time is of the essence. Notify all creditors and financial institutions to protect your accounts. First steps and additional resources.
To help protect our members from fraud, NAFCU passwords must be changed at least once every 12 months. We strongly recommend using unique passwords for all of your login sites.
Passwords must be 8-32 characters long, contain at least one letter, one number, and one special character. Special characters allowed: !"$%&(*)+,/;=?{\}^_'{|}`
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.
Northland’s debit card offers the convenience of accessing available funds to make quick and easy purchases without the hassle of writing a check. Daily limits include:
- $7,500.00 per day for most accounts
- $500.00 per day for Fresh Start Checking accounts
- 15 transactions per day
Northland debit cards are accepted anywhere you see the MasterCard logo. Funds will be automatically deducted from your share draft checking account.
To set up e-Statements select the Menu button, on the bottom, right on a mobile device and upper right on a desktop.
Then:
- Click on more
- Select Documents and Statements
- Select e-Statements
- Toggle the Online Statements button to the On position to View & Download eStatements
- Toggle it Off to turn off Online Statements
All items can be faxed to 989-340-2650.
Most payments will be delivered electronically. Funds for electronic payments will be deducted on the payment due date indicated in Bill Pay. Some payees will be sent a paper check through the mail. Funds for paper checks will be withdrawn from your account when the check is presented for payment by the payee’s financial institution. This may occur after the due date.
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.
2724-8602-5
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
- What's an eBill?