NCACU is dedicated to establishing trusting relationships with our members, and going the extra mile to help you reach your financial goals. Credit unions are democratically owned and controlled institutions based on People Helping People principles. Credit union boards of directors are elected by the members; each member has one vote, regardless of how much money they have.
Only members may serve as directors, and directors serve without compensation. Credit unions have no outside stockholders, so after reserves are set aside, earnings are returned to members in the form of higher dividends on savings, lower loan rates, and lower cost for services.
Only members may serve as directors, and directors serve without compensation. Credit unions have no outside stockholders, so after reserves are set aside, earnings are returned to members in the form of higher dividends on savings, lower loan rates, and lower cost for services.
Services
At NCACU our consumer loan application process just got EASIER! We have DROPPED our rates and EXTENDED our terms and we are watching member SAVINGS pile up! We can finance your auto, motorcycle, recreational vehicle, snowmobile, classic car or boat. If you have already made your purchase through a dealer or another lender, come talk to us, and let's see if we can save you money.
It's important that you are confident that you can make your loan payments even when something unforeseen happens. For a low monthly fee NCACU offers life, short-term disability, and long-term disability insurance. It is our way of offering you peace of mind. Ask your Member Service Specialist for details when you apply.
You can use this secure site to provide proof of current insurance as a condition of your loan. You can also check the status of your submission or view the insurance history of your loan. The link also has answers to the most commonly asked questions about the insurance reporting process. The information you provide is kept private and is only used to complete your insurance coverage record with us.
NCACU has two credit card options. Our Visa Classic at 12.90% APR* and Visa Gold at 10.90% APR* are available to all members depending on qualifications and credit records. There is no annual fee with either card. Don't have an NCACU Visa yet? To apply just download our VISA Application, fill it out and mail it in or bring it your local branch.
Using a debit MasterCard to manage your finances is more convenient than using checks because funds are immediately deducted from your share draft account. Having an electronic record of every transaction the moment you make it can be a real time saver, and makes keeping track of what you spend a snap.
Reviews (7)
Hippy Haze
Dec 01, 2020
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Jennifer Smejkal
Jul 10, 2020
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Pretty terrible customer service or internal communication. Left my card in the ATM on Friday, went through drive-thru 9am Saturday. The CSR stated no one would go to ATM until Monday and that if not their credit union the card usually gets shredded. Said that since I came through she would take name and number and they would call so I could pick up card. Called Monday, nope card was shredded.
Robbie Coffey
Jul 06, 2020
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My Husband Darren and l have used this Bank since around 2006 we lived and were Caretaker's at Clear Lake Ranch in Gladwin. When my Husband died April 2015 l went from one place to another for about 2 years . I roamed around visiting one relative after another from lower Michigan to Florida NCACU was with me every step of the way making sure my way was clear when my life was so torn ,keeping my account in check at all times and making sure l could get money when l needed it even getting it from affiliated Banks. I now live in the Upper Peninsula of Michigan . Why change when l have the best why
Arthur Caden
Jan 15, 2020
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Robbie Ettinger
Jan 14, 2020
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Lee Smith
Nov 01, 2017
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NCACU has been my banking establishment for almost 18 years. I love the credit union and the staff but recently one of their newer employees working the drive-thru has went out of her way to be rude and unprofessional to me on multiple occasions. Her name is Victoria. She is a younger, portly woman with long dark hair. Make sure you double count your money and check your receipt as well, I’ve had two different incidents where her count was off. I can’t say if it was intentional or not but I’ve NEVER an incident in 18 years and its happened twice in one month by the same person.
M. Swarts
Jun 24, 2017
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We do most of our banking here, and just love how friendly the staff is. They are so nice whenever we stop in or come through the drive-through. We would often bring our dog with us when stopping at the drive-through, and they'd always have a treat for her and a nice word, and when she passed away, they were very kind and asked after her. Just great people.
