What makes a credit union different from a bank?

Credit Unions

  • Driven by member service. 
  • 100% Member owned. 
  • Run by a small group of volunteer board members who are elected to make decisions with the membership's best interest in mind. 
  • Not-for-profit. Once all expenses have been set aside, surplus earning are returned to members in form of dividends, services for little or no cost, affordable loan rates and more. 

Why Credit Unions Are Tax Exempt


  • Driven by profit. 
  • Owned by investors who expect a certain return on their investments. 
  • All voting privileges are held by investors. 
  • Only shareholders get a piece of the profits.

Why Choose NAFCU?

Since 1957, it's been our privilege to serve the people of Northeastern Michigan. For 60 years our guide has been a simple one. Not for profit, not for charity, but for service. -The same credit union motto that has embraced a shared philosophy of values for over 100 years. With this single principle at our helm, we have grown. We are honored to be a 100% member-owned credit union...now over 43,000 members strong.


When you join, your $5 share gives you ownership in the credit union. Ownership gives you the opportunity to have a voice in how your money is invested. With Northland you are more than just an account or a statistic, you become part of our family.

Affordable Banking

As a 100% member owned financial institution, we have no stockholders. Instead, we pass on profits to our membership in the form of affordable rates, lowered fees and improved services - such as our network of 30,000 surcharge-free ATMs, and the ability for members to do their banking in any of over 5,000 shared branches across the country.

Outstanding Member Service

Our staff cares about every member's financial needs. We will go the distance to ensure the best possible solution for your financial situation is found. We care, and it shows!

CU Link Michigan

See what Northland has to Offer!

  • International surcharge-free access to nearly 30,000 ATMs through the CO-OP Network
  • Shared branching - our members can do their banking at over 5,000 institutions nationwide
  • Free Checking, Bill Pay Service and online banking for individuals AND businesses
  • Exclusive member discounts
  • Plus so much more!

Welcome to Northland. We're here to help! Call 989-739-1401 and make the switch to a credit union today!

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