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 North Central Area Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 19, 2026
North Central Area Credit Union's 13 MONTH CD SPECIAL rates are at 3.85%, 13 MONTH CD SPECIAL rates are at 3.75%, 48 MONTH CD rates are at 3.65%, 60 MONTH CD rates are at 3.65%, 36 MONTH CD rates are at 3.60%. North Central Area Credit Union's Personal Loan Rates are at 10.24%. MonitorBankRates evaluates the financial stability of North Central Area Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.48%. Rates were last updated on 04/19/2026. North Central Area Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at North Central Area Credit Union? Share your experience about North Central Area Credit Union by leaving a review below, or read customer reviews before you decide to use North Central Area Credit Union. North Central Area Credit Union
Administration Building 2665 Reserve Rd
https://www.ncacu.org Houghton Lake, MI 48629 
North Central Area Credit Union CD Rates
North Central Area Credit Union Home Equity & HELOC
North Central Area Credit Union Credit Card Rates
North Central Area Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for North Central Area Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather North Central Area Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with North Central Area Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
North Central Area Credit Union
Website
https://www.ncacu.org
Address
2665 Reserve Rd,
Houghton Lake, MI 48629
Phone
989-910-5135
Fax
989-919-5128
President
Stephen Witt
CEO
Mark Richter
Full-Time Employees
63
Part-Time Employees
4
Branch Locations
7
ATM Locations
4
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (94/100)
Texas Ratio
11.48%
Return on Assets (ROA)
0.9983%
Return on Equity (ROE)
8.9757%
Non-Performing Loans Ratio (NPL)
1.78%
Total Assets
256,324,552
Total Amount of Shares and Deposits
228,707,524
Total Shares and Deposits < 1 Year
216,744,376
Total Shares and Deposits 1 3 Years
9,066,815
Total Shares and Deposits > 3 Years
2,896,333
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
7,878,991
Total Uninsured Shares and Deposits > $250K (F+J)
7,878,991
Total Insured Shares and Deposits > $250K (item 17 less item K)
220,828,533
Total Interest Expense (Sum of items 6 8)
2,588,403
Share Certificates
1,964
Number of Accounts for Share Drafts
11,732
IRA KEOGH Accounts
528
Number of Accounts for Regular Shares
25,671
All other shares
708
Non Member Deposits
2
Money Market Shares
1,458
Net Income (unless the amount is already included in Undivided Earnings)
2,558,855
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
14,720,892
Total Liabilities
231,194,847
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About North Central Area Credit UnionIs North Central Area Credit Union a safe place to deposit money?Yes, North Central Area Credit Union is considered a safe financial institution. With a Texas Ratio of 11.484084190263%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does North Central Area Credit Union operate?North Central Area Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join North Central Area Credit Union?Yes, to access services at North Central Area Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, North Central Area Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, North Central Area Credit Union provides members with tools to manage their accounts and build a solid financial history. Does North Central Area Credit Union offer online and mobile banking?Most modern institutions like North Central Area Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ncacu.org. Current North Central Area Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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