North Central Area Credit Union (NCACU)
Brian Watros, Branch Manager
505 Clyde St., Grayling, MI 49738
Phone: (989) 910-5135
Fax: (989) 910-5128
How many staff/volunteers do you employ?
50 Employees / 10 Volunteers (Board) across five locations
NCACU began in Roscommon in 1956 as North Central State Employees Credit Union with 151 members and $20,000 in assets. Growth over the years included two name changes, two mergers and the opening of Houghton Lake Branch in 1985, Standish Branch in 1990; building the Grayling Branch in 1990; and building of the Administration Center in Houghton Lake in 2004. Now at more than 16,000 members with more than $116 million in assets, NCACU serves members in 38 counties in the tip of the mitten from north of US-10 to the Mackinac Bridge.
What product or service does your business provide?
Financial services in a cooperative atmosphere. We are member owned and member driven, specializing in “trusted relationships.” We offer checking, savings, credit cards, debit cards, ATM, Online Banking, auto, RV, powersports and boat loans, unsecured and secured loans, and we have a full line of Mortgage products.
What is a product/service that you provide that people may not know?
Most recently, NCACU has added Remote Deposit Capture to its services list. Members can now deposit checks using their phones and online banking verses visiting a branch. We also have a “home grown” Service Center. Our Service Center is housed in the Admin building in Houghton Lake and representatives on the phone are hometown people serving our members.
What is a unique fact about your business that people may not know?
NCACU hosts four Student Run Credit Unions in local schools including the Viking Branch at Grayling Elementary. These student-run credit unions are operated by students who handle deposits, balancing of cash drawers, and marketing of the branch. NCACU works to promote the program as real-life work experience and student-staff interview for positions and perform to standards appropriate for their job. It is an excellent learning experience for both the Viking Branch Staff and student members. NCACU has won several State, as well as a National Award for their School Branch programs.
Additional information you wish to share:
Visit us online at www.ncacu.org or call our Service Center in Houghton Lake at (989) 910-5135.