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Advertiser Disclosure
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 Northland Area Federal Credit Union Rates & Review November 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 and Verified: October 29, 2026
Northland Area Federal Credit Union's Compounding CD - 13 Month rates are at 4.48%, Non-Compounding CD - 13 Month rates are at 4.40%, 2 Year PLUS CD rates are at 3.96%, Non-Compounding CD - 2 Year rates are at 3.90%, Compounding CD - 18 Month rates are at 3.85%. Northland Area Federal Credit Union's savings rates are at 0.10%. Northland Area Federal Credit Union's money market rates are at 2.78%. Northland Area Federal Credit Union's CD rates are 16% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Northland Area Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.37%. Rates last updated and verified on 10/29/2026. Northland Area Federal 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 Northland Area Federal Credit Union? Share your experience about Northland Area Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Northland Area Federal Credit Union. Northland Area Federal Credit Union
Alpena Branch 1161 N Bagley St
https://www.northlandcu.com Alpena, MI 49707-8221  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Northland Area Federal Credit Union CD Rates
Northland Area Federal Credit Union Savings Rates
Northland Area Federal Credit Union Money Market Rates
Northland Area Federal Credit Union Other Rates
Financial Health HistoryNorthland Area Federal Credit Union’s Texas Ratio rose from 2.40% in Q3 2023 to 5.37% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Northland Area Federal 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 Northland Area Federal 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 Northland Area Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Northland Area Federal Credit Union
Website
https://www.northlandcu.com
Address
1161 N Bagley St,
Alpena, MI 49707-8221
Phone
989-739-1401
Fax
President
Mike Palumbo
CEO
Pete Dzuris
Full-Time Employees
149
Part-Time Employees
7
Branch Locations
18
ATM Locations
17
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.37%
Return on Assets (ROA)
0.3808%
Return on Equity (ROE)
3.6855%
Non-Performing Loans Ratio (NPL)
0.88%
Total Assets
714,406,883
Total Amount of Shares and Deposits
648,861,989
Total Shares and Deposits < 1 Year
623,224,283
Total Shares and Deposits 1 3 Years
23,432,721
Total Shares and Deposits > 3 Years
2,204,985
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
29,196,894
Total Uninsured Shares and Deposits > $250K (F+J)
29,196,894
Total Insured Shares and Deposits > $250K (item 17 less item K)
619,665,095
Total Interest Expense (Sum of items 6 8)
5,066,233
Share Certificates
5,873
Number of Accounts for Share Drafts
35,001
IRA KEOGH Accounts
1,753
Number of Accounts for Regular Shares
59,546
All other shares
1,312
Non Member Deposits
37
Money Market Shares
4,091
Net Income (unless the amount is already included in Undivided Earnings)
2,720,137
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
47,368,956
Total Liabilities
663,031,755
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Northland Area Federal Credit UnionDoes Northland Area Federal Credit Union offer CDs?Yes. Northland Area Federal Credit Union current CD rates include its Compounding CD - 13 Month at 4.48% APY, its Non-Compounding CD - 13 Month at 4.40% APY and its 2 Year PLUS CD at 3.96% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Northland Area Federal Credit Union NCUA insured?Yes. Northland Area Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Northland Area Federal Credit Union?The highest Northland Area Federal Credit Union CD rate is its Compounding CD - 13 Month at 4.48% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Northland Area Federal Credit Union offer?Northland Area Federal Credit Union CD rates are 3.75% APY for a 12 month CD, 4.48% APY for a 13 month CD, 3.85% APY for an 18 month CD, 3.96% APY for a 2 year CD and 3.05% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Northland Area Federal Credit Union for its full lineup. What is the highest savings rate at Northland Area Federal Credit Union?The highest Northland Area Federal Credit Union savings rate is its Savings at 0.10% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest money market rate at Northland Area Federal Credit Union?The highest Northland Area Federal Credit Union money market rate is its Money Market Accounts at 2.78% APY, verified by MonitorBankRates as of October 29, 2026. How many branches does Northland Area Federal Credit Union operate?Northland Area Federal 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 Northland Area Federal Credit Union?Yes, to access services at Northland Area Federal 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, Northland Area Federal 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, Northland Area Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Northland Area Federal Credit Union offer online and mobile banking?Most modern institutions like Northland Area Federal 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.northlandcu.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Northland Area Federal Credit Union rates compare?Northland Area Federal Credit Union's CD rates are 16% higher than the MonitorBankRates national average, and it has an A+ health rating. Northland Area Federal Credit Union's top rates are its Compounding CD - 13 Month at 4.48% APY, its Savings at 0.10% APY and its Money Market Accounts at 2.78% APY, verified by MonitorBankRates on October 29, 2026. Current Northland Area Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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