|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Northland Area Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 4, 2026
Northland Area Federal Credit Union's 18 Month Compounding CDs rates are at 3.85%, Jumbo CDs 12 Month rates are at 3.85%, PLUS CDs 1 Year rates are at 3.81%, Non-Compounding CDs 18 Month rates are at 3.80%, Non-Compounding CDs 1 Year rates are at 3.75%. Northland Area Federal Credit Union's savings rates are at 0.10%. Northland Area Federal Credit Union's money market rates are at 1.51%. Northland Area Federal Credit Union's ARM Investment Property rates are at 6.45%, ARM Unimproved Land rates are at 7.95%. MonitorBankRates evaluates the financial stability of Northland Area Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.92%. Rates were last updated on 04/04/2026. Northland Area Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Northland Area Federal Credit Union? Share your experience about Northland Area Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Northland Area Federal Credit Union. Northland Area Federal Credit Union
Alpena Branch 1161 N Bagley St
https://www.northlandcu.com Alpena, MI 49707 8221 
Northland Area Federal Credit Union CD Rates
Northland Area Federal Credit Union Savings Rates
Northland Area Federal Credit Union Money Market Rates
Northland Area Federal Credit Union Mortgage Rates
Northland Area Federal Credit Union Home Equity & HELOC
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Northland Area Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Northland Area Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Northland Area Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Northland Area Federal Credit Union
Website
https://www.northlandcu.com
Address
1161 N Bagley St,
Alpena, MI 49707 8221
Phone
989-739-1401
Fax
President
Mike Palumbo
CEO
Pete Dzuris
Full-Time Employees
152
Part-Time Employees
4
Branch Locations
18
ATM Locations
17
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.92%
Return on Assets (ROA)
0.4593%
Return on Equity (ROE)
4.5663%
Non-Performing Loans Ratio (NPL)
0.77%
Total Assets
700,984,763
Total Amount of Shares and Deposits
622,063,201
Total Shares and Deposits < 1 Year
603,914,108
Total Shares and Deposits 1 3 Years
15,480,471
Total Shares and Deposits > 3 Years
2,668,622
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
28,864,609
Total Uninsured Shares and Deposits > $250K (F+J)
28,864,609
Total Insured Shares and Deposits > $250K (item 17 less item K)
593,198,592
Total Interest Expense (Sum of items 6 8)
7,679,353
Share Certificates
5,908
Number of Accounts for Share Drafts
34,467
IRA KEOGH Accounts
1,755
Number of Accounts for Regular Shares
58,641
All other shares
1,320
Non Member Deposits
43
Money Market Shares
3,673
Net Income (unless the amount is already included in Undivided Earnings)
3,219,846
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
60,015,239
Total Liabilities
653,096,867
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Northland Area Federal Credit UnionIs Northland Area Federal Credit Union a safe place to deposit money?Yes, Northland Area Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 4.9217019972238%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Northland Area Federal Credit Union operate?Northland Area Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Northland Area Federal Credit Union?Yes, to access services at Northland Area Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Northland Area Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Northland Area Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Northland Area Federal Credit Union offer online and mobile banking?Most modern institutions like Northland Area Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.northlandcu.com. Current Northland Area Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
UTAH COMMUNITY
SHELL
Xavier University Federal Credit Union
Howard County Education Federal Credit Union
North Coast Credit Union
Park Federal Credit Union
T&I Credit Union
Savannah Schools Federal Credit Union
Greater Kinston Credit Union
Lake Superior Credit Union
Railroad Employees Credit Union
44 North Credit Union
Proponent Federal Credit Union
Alternatives Federal Credit Union
Quorum Federal Credit Union
FedTrust Federal Credit Union
Penn Federal Credit Union
Upstate Milk Employees Federal Credit Union
Internationalites Federal Credit Union
Partner Colorado Credit Union
Community Focus Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
