NCUA Insured
Member-Owned
1 charter
Established in 1951
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Anyone who lives, works, or worships in or around Onaway, MI may be eligible to join. Community credit unions are open to the general public within their service area.
Check eligibility on their website →NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
1 charter
Established in 1951
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
This credit union is located in Onaway and serves members in the MI area. Currently serving 14,774 members.
Contact the credit union to confirm membership eligibility requirements for your area.
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.
New Auto Loan
3.99%Used Auto Loan
3.99%Personal Loan
10.50%Credit Card APR
9.99%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.
Lowest rates currently reported by credit unions in MI (NCUA Q4 2025).
Wyandotte, MI
Onaway, MI
Detroit, MI
Niles, MI
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
4.1
24 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google MapsKaylee Pawloski
5 months ago
Not only do they rob you every time your account hits negative and I mean AS SOON as you’re negative, there goes another $25. Next morning, another $25. Which so many people I know think that’s absolutely insane, the amount. I called about my negative fees to someone I called at the bank. She proceeded to tell ME, “well, don’t spend money you don’t have.” I told her how disrespectful that was and that my payments are automatic and I started off with, I’ve been struggling financially. She has no clue of my issues or what’s going on. So she automatically says that. I think that’s disgusting behavior and so unprofessional!
bob dobbs
6 months ago
So far, it seems like a nice bank, First and only interaction they seem nice. You only need $5 to open an account, the welcom packet had a page of fees it's huge/thorough. As somebody else said in the reviews they sure do love their fees,
She Nichols
3 years ago
Rude except one teller was nice. 2 weeks trying to get a loan. 2 weeks wasted. For some reason I thought a credit union paid their employees with money earned from interest and should treat customers with respect. Customers are not an inconvenience but the ONLY reason that a credit union employee has a job. One day is all it took a credit union in Hillman to process the loan, provide an answer and issue a check. Don't waste your time trying to get a loan at Awaken, go to Hillman and apply at the credit union there. If you are tired of being treated like an inconvenience and would like to speak with someone instead of always being told that the person you need to talk to is always unavailable, Rogers City has a great credit union. Whenever you call, you immediately get a person. There are other far better credit unions than Awaken.
Beau
5 months ago
Super friendly staff
Cody S
5 years ago
Great service and the people are very kind. They help in any way they reasonably can. 5 stars.
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Phone
(989) 733-8557Website
Visit WebsiteMembers
14,774
Total Assets
$197.3M
Year Opened
1951
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile