Credit union · NCUA insured
Northland Area FCU
A $708.4M credit union headquartered in Alpena, MI, with 46,344 members and 17 branches in Michigan. Best rates: CDs 3.96% and savings 1.66% APY.
Northland Area FCU Carrot Score
84
Carrot Score
Higher than 65% of U.S. banks and credit unions
#6 of 16 in Traverse City, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Northland Area FCU
Founded in 1957 as Wurtsmith Federal Credit Union at Wurtsmith Air Force Base in Oscoda, Northland Area Federal Credit Union adopted its current name in October 1991.
Northland Area Federal Credit Union serves over 46,000 members across 27 Northern Michigan counties with 17 branch locations.
- Headquarters
- 1161 N Bagley St, Alpena, MI 49707-8221
- NCUA charter
- 11979
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- People who live, work, worship, or attend school in, and businesses and other legal entities located in 27 specified Northern Michigan counties, are eligible for membership.
Employers and groups
- Employees of Northland Area Federal Credit Union are eligible for membership.
Family and household
- Members of the immediate family or household of eligible persons/employees are eligible for membership.
Other ways
- Organizations of eligible persons are eligible for membership.
- Spouses of persons who died while within the field of membership of the credit union are eligible to join.
Branches
17 branches in Michigan
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Michigan
17 branches
West Branch area · 2
- West Branch2170 S M-76, West Branch, MI 48661Directions
- West Branch II3177 W M76, West Branch, MI 48661Directions
Alpena area · 1
- Alpena BranchMain office1161 N Bagley St, Alpena, MI 49707Directions
Au Gres area · 1
- Augres317 N Huron Rd, Au Gres, MI 48703Directions
Evart area · 1
- Evart9568 Us-10, Evart, MI 49631Directions
Gaylord area · 1
- Gaylord Branch1371 W Main St, Gaylord, MI 49735Directions
Grayling area · 1
- Grayling Branch2405 S I 75 Business Loop, Grayling, MI 49738Directions
Hale area · 1
- Hale Branch220 S Washington St, Hale, MI 48739Directions
Harrisville area · 1
- Harrisville Branch410 E Main St, Harrisville, MI 48740Directions
Houghton Lake area · 1
- Houghton Lake2285 W Houghton Lake Dr, Houghton Lake, MI 48629Directions
Traverse City area · 1
- Kalkaska112 N Cedar St, Kalkaska, MI 49646Directions
Mio area · 1
- Mio Branch208 N Morenci Ave, Mio, MI 48647Directions
Oscoda area · 1
- Oscoda Branch4346 E F41, Oscoda, MI 48750Directions
Petoskey area · 1
- Petoskey979 Spring St, Petoskey, MI 49770Directions
Prescott area · 1
- Skidway Branch1927 Greenwood Rd, Prescott, MI 48756Directions
Reed City area · 1
- Reed City840 S Chestnut St, Reed City, MI 49677Directions
Tawas City area · 1
- Tawas Branch201 E M 55, Tawas City, MI 48763Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.33% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.88% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.76% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $73 | $76 | — |
- CapitalNet worth ratio10.33%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.88%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.76%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$73Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Northland Area FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.