CashBack+ Rewards 
“This weekend I took the kiddos school clothes shopping. I earned $151.06 back in cash from stores/restaurants that we were already planning to hit. For example; GAP was 20% cashback up to $250!” - Jessica R., Northland Member
Northland has partnered with Prizeout to offer you instant cash back when you shop the brands you are already using like Amazon, Home Depot, Walmart, Starbucks, and more. Browse personal offers where you can receive up to 20% instant cash back! All you need is a Northland digital banking account. Download the CashBack+ Pay app on the App Store and on Google Play! Watch our tutorial on how to get started in 5 quick steps here.
2027 Calendar Contest Announcement 
We are officially launching our 2027 "Land of the Free" Calendar Photo Contest, and we want your work to be the star! This year, we are celebrating everything that makes our communities and our country home - from breathtaking American landscapes and magestic wildlife to honoring our military, veterans, and first responders. Whether is a sunset over a local trail, a historic military vehicle, or an American flag catching the morning light, we want to see your best shots. Winners will have their work featured in our annual calendar distributed to thousands of members, plus bragging rights across our social media.
Photos must be in a landscape (horizontal) orientation, high-resolution (minimum 300 dpi for printing) and must exclude recognizable faces. With each submission, please include your name and the location where your photo was taken. You may submit as many photos as you like.
Oscoda Branch Grand Re-opening
Northland is proud to announce that the Oscoda branch remodeling renovations are completed and we look forward to serving you in this beautiful new building.
For nearly 70 years, our credit union has been rooted here in Oscoda. Supporting financial wellness for families and businesses and helping neighbors build stronger financial health. Today, we are excited to welcome you to our beautiful new office. Stop in and check out the brand new renovations and say hello to our knowledgeable staff. We are proud to have been able to complete this project efficiently and give members at the Oscoda branch a better experience at Northland. The branch's grand re-opening ceremony took place on July 9th, this wouldnt have been possible without our amazing members at Northland. Thank you for choosing Northland Area Federal Credit Union.
FlexPay 
Introducing FlexPay from Northland!
Did you just make a big purchase—and then life threw you an unexpected emergency? FlexPay allows eligible members to convert qualified debit card purchases into short-term installment loans, helping you spread out payments over time.
FlexPay offers are available on the NAFCU Digital Banking App.
Business ACH Payroll 
Northland proudly serves Northern Michigan businesses with our unique and customized Business ACH Payroll Origination Program. The only financial institution in the area that utilizes enhanced Business Home Banking services to easily direct deposit payroll to your employees. Here are some benefits:
- Easy to use: Very user friendly and convenient, utilizes your existing Northland Business Home Banking. Simplified input screens for manual entry or QuickBooks upload compatible.
- Secure: Individual login’s and permissions for payroll staff to access the programs.
- Bottom-Line Savings: Low monthly cost, no more cutting checks or unnecessary wires. Simply direct deposit payroll to your employees.
- Local Support: Northland is your trusted provider for cutting edge digital services with inperson, on-site training to get you started.
Northland Saves Members over $1,000,000 with Flex-Ride
We're pleased to tell you that Northland members who financed new or used vehicles with Flex-Ride over the last year have saved $1,068,243.84 in payments over the life of their auto loans. "These aren't just numbers on a spreadsheet—these are real dollars that our members can redirect back into our communities to purchase groceries, pay bills, fill up their gas tanks, invest in local schools, support small businesses, contribute to charities, and so much more," said Jessica Richards, VP of Lending for Northland.
Flex-Ride Loans offer leasing benefits like lower monthly payments plus the flexibility and power of ownership. You turn a car back in at the end of a lease with no residual benefits. With the Flex-Ride Loan, you own the vehicle, allowing you the option to sell, trade, or pay off your balance at any time during the loan or at maturity. Or you can return the vehicle at loan maturity and, instead of paying the final balloon payment, walk away with no end-of-loan term hassles.
Flex-Ride offers flexible terms of 24 to 72 months, on new or used vehicles up to 5 calendar years old. No or low down payment, include taxes and registration fees, trade, sell, or refinance at any time. At loan maturity: trade, sell, refinance, or return the vehicle and walk away, no pre-payment penalties or early termination fees. There are mileage plans for various driving habits. Let us help you get into your next auto. Talk to us today!
Don't Be a Target for Fraud
Romance Scams? They might sound ridiculous, but they happen! Our newest commercial highlights the dangers of these scams and gives you the information you need to protect yourself and your finances. In today’s cyber world, anyone can be a target.
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