Credit Union Membership: Great Rates. Low Fees. Fantastic Service.

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Refinance Any Outside Loan With NCACU

Bring any loan from an outside institution to North Central Area Credit Union to save money and increase convenience by allowing us to service all of your financial needs.

At NCACU we can refinance your auto, recreational vehicle or boat. Our consumer loan application process is fast and easy. Check out our rates to see how we can save you money with low rates and no application fees.

Give us a call at (989) 275-5169 or click here for more information.


Loan rates and terms are subject to change without notice. To obtain a loan from North Central Area Credit Union you must be a member. A $25 deposit is required to keep your account open. Members must qualify for the listed rates. For further loan information contact a Member Service Specialist.

APR = Annual Percentage Rate. Actual loan rate may vary and is determined by credit worthiness.


Keep Cool, Keep Your Money Secure

Stay one step ahead of scammers this summer.  Remember never to respond to unsolicited requests for your financial information.  Review tips for keeping your money secure by visiting


Don’t Sweat Over Potential Overdraft Fees

You can avoid overdraft fees by signing up to receive text alerts when your balance falls below a certain amount.  Signing up is easy, too!  Simply log in and click ‘Info Center’, then ‘eAlert Subscriptions’.  For text balance alerts, contact us and we will help you get started.


Make a Splash with New Colors!

Bring a bright new palette to your Online Banking site! Log in and click ‘Preferences’ to change your pictures, color scheme, and even your start page.