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Back to Houghton Lake credit unions

North Central Area

PO Box 817, Houghton Lake, MI 48629
NCUA Insured3.3 (35 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1956

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO Box 817

Houghton Lake, MI 48629

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(989) 910-5135

Service Area

This credit union is located in Houghton Lake and serves members in the MI area. Currently serving 20,029 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.74%

Used Auto Loan

6.24%

Personal Loan

11.99%

Credit Card APR

10.99%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MI

Lowest rates currently reported by credit unions in MI (NCUA Q4 2025).

Michigan Legacy— New Auto Loan

Wyandotte, MI

2.19%
Awakon— Used Auto Loan

Onaway, MI

3.99%
International Uaw— Personal Loan

Detroit, MI

5.50%
Circle— Credit Card APR

Niles, MI

4.80%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(7 total)

Member Reviews

3.3

35 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Emily Dasho

Emily Dasho

4 months ago

This credit union will hold your money hostage and try to gas light you into "Its always been policy." Im sorry, but after banking there for 27 years, I can assure you the absolute rudness and attitude I got when calling to inquire was astonishing. Will be pulling all my money out and chosing a new bank. It is ABSOLUTELY mind blowing that they can just say "No, we wont be giving you that today." With our own money.

John Giordano

John Giordano

6 months ago

20 minutes to cash a check at the new & improved useless atm teller. Every month, 5 minutes. Nice folks, but you really dropped the ball here. Are you reading all the comments on facebook and from people that are unhappy with this user unfriendly change? Going in the lobby only means you'll wait in line with all the other people who wont deal with it.

Emma Vann

Emma Vann

7 months ago

Selina was amazing in helping me finance my car and get me set up with a credit card to help my credit score even more! Such friendly service!

Luke Poirier

Luke Poirier

6 months ago

They force you to have an insurance deductible Under $1,000 for auto loans and don't disclose that until after the loan is finalized. Do business with a different bank.

Russell Murphy

Russell Murphy

7 months ago

Selina was very helpful with refinancing my vehicle and because of that I left my old credit union and opened a checking account 10/10 o would definitely recommend

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).