Business Details
43 Years
experience
Emergency
services
Your Trusted Credit Union in Northern Michigan
Since our founding in 1983, we have grown to serve over 20,000 members across seven branches in Northern Michigan. Our mission centers on strengthening communities and investing in individual success through personalized financial services. We prioritize member needs with competitive rates, low fees, and innovative solutions like our Evergreen online banking platform. As a member-owned institution, we embody the 'people helping people' philosophy through active community engagement, including grant programs, scholarships, and annual food drives.Our team combines decades of local expertise with modern financial tools to deliver exceptional service. We maintain federal insurance for deposits up to $250,000 while adhering to strict ethical standards and transparency in all operations.
Services
Personal Checking
Business Savings
Home Mortgages
Auto Loans
Student Loans
Credit Cards
Online Banking
Shared Branching
Loan Services
Community Programs
Details
- Year established: 1983
Highlights and features
- We offer personalized financial services tailored to individual needs
- Our community involvement includes grant programs and scholarships
- We provide 24/7 support for lost or stolen cards
- We have 7 convenient branch locations across Northern Michigan
- Our mobile banking app allows easy account access anytime
Associations and certifications
- NCUA
Services
Personal Checking
Our Superior Checking accounts offer no monthly maintenance fees, free online banking, and nationwide ATM access. Designed for everyday financial needs, these accounts provide flexibility with multiple options including youth accounts and senior-friendly features. Members benefit from competitive interest rates and personalized service from our local staff.
Home Mortgages
We offer competitive fixed and adjustable-rate mortgage options for home purchases and refinancing. Our local loan experts guide members through the entire process with personalized support. Benefits include low down payment options, flexible terms, and exclusive member discounts on closing costs and fees.
Online Banking
Evergreen, our online banking platform, provides 24/7 account access with features like bill pay, mobile check deposit, and real-time transaction tracking. The platform includes budgeting tools, loan calculators, and secure messaging with staff. Available through desktop and mobile apps for convenient financial management.
Community Programs
Through our Three Tree Fund and annual grant programs, we support local nonprofits, educational initiatives, and community development projects. Our staff volunteers over 1,000 hours annually while providing scholarships and hosting food drives. These programs reflect our commitment to improving the communities we serve beyond traditional financial services.
Business Services
We provide tailored business checking accounts, savings solutions, and lending options for local enterprises. Services include business credit cards, merchant services, and commercial loans with competitive rates. Our BizLink Setup service helps new businesses establish financial operations with personalized guidance from experienced relationship managers.
Questions
What are the eligibility requirements for membership?
Membership is open to anyone living, working, or attending school in 33 Northern Michigan counties. Immediate family members of existing members and local business employees also qualify.
What loan options do you offer?
We provide home mortgages, auto loans, RV/ATV/Boat loans, personal loans, student loans, and business lending options with competitive rates and flexible terms.
How can I access banking services outside branch hours?
Our Evergreen online banking platform offers 24/7 account access. We also participate in shared branching networks for nationwide ATM access and partner financial institution transactions.
What community initiatives do you support?
We fund local scholarships, operate the Three Tree Fund for emergency assistance, host annual food drives, and provide grants to community organizations through our Community Impact Program.
What mobile banking features are available?
Our mobile app includes check deposit, bill pay, account alerts, location-based branch/ATM finder, and secure messaging with staff during business hours through video chat or text.
How do I report a lost or stolen card?
Call our 24/7 card assistance line at 1-888-241-2510 (or 1-727-227-9012 outside the US) immediately to report lost or stolen Visa credit/debit cards for immediate replacement.
Videos