Northland Area Credit Union
Verified rate book
Current Northland Area Credit Union rates
13 published offers verified as of August 4, 2026.
Mortgage rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 3 Year Adjustable Closed End*3 1 arm | 5.530% APR | 5.450% | — | Standard |
| ARM Investment Property*arm | 6.540% APR | 6.450% | — | Standard |
| ARM Unimproved Land*arm | 8.040% APR | 7.950% | — | Standard |
Auto & vehicle rates
8 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Flex-Ride 2021-2024auto_any_72mo | 4.490% APR | 4.490% | 72 mo | Standard |
| Flex-Ride 2025-2026auto_any_72mo | 4.490% APR | 4.490% | 72 mo | Standard |
| 72-Month New Auto Loan (2025–2026)auto_new_72mo | 4.990% APR | 4.990% | 72 mo · new | Standard |
| 60-Month Used Auto Loan (2025 and Older)auto_used_60mo | 5.490% APR | 5.490% | 60 mo · used | Standard |
| New Motor Homes/Travel Trailers/Boatsrv_new_72mo | 7.450% APR | 7.450% | 72 mo · new | Standard |
| New Jet Skis, Motorcycles, Snowmobiles & ATV'sboat_new_72mo | 7.450% APR | 7.450% | 72 mo · new | Standard |
| Used Motor Homes/Travel Trailers/Boatsrv_used_60mo | 8.450% APR | 8.450% | 60 mo · used | Standard |
| Used Jet Skis, Motorcycles, Snowmobiles & ATV'sboat_used_60mo | 8.450% APR | 8.450% | 60 mo · used | Standard |
HELOC rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Adjustable HELOC*heloc_variable | 6.500% APR | 6.500% | — | Standard |
Other rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| We're Looking For Volunteersother | 4.990% % | 4.990% | — | Standard |
As of August 4, 2026, Northland Area Credit Union offers a 3 1 arm mortgage at 5.53% APR. Vehicle loans available from 4.49% APR for 72 months. HELOC rates from 6.5% APR.
Source: RateAPI.dev, verified from Northland Area Credit Union's official website
Loading branch locator…
About Northland Area Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 46.3K
- Assets
- $708.4M
- Founded
- 1957
- Locations reported
- 17
- NCUA charter
- 11979
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Financial education
- First-time homebuyer program
- Student scholarships
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Northland Area Credit Union
Membership eligibility from Northland Area Credit Union's own published criteria. How we verify this.
Membership criteria are published on Northland Area Credit Union's website. Check the membership page below to confirm whether you qualify.
- LocationAlcona, Alpena, Arenac, Crawford, Emmet, Iosco, Kalkaska, Ogemaw, Osceola, Oscoda, Otsego, Roscommon — MI
Verified from Northland Area Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Northland Area Credit Union?
This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Northland Area Credit Union ranks against Michigan peers.
Frequently Asked Questions
What rates does Northland Area Credit Union offer?
Northland Area Credit Union currently offers mortgage, vehicle loan, and HELOC rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Northland Area Credit Union rates updated?
RateAPI verifies Northland Area Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Northland Area Credit Union's rate data?
Rate data is collected directly from Northland Area Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is Northland Area Credit Union's mortgage rate?
As of August 4, 2026, Northland Area Credit Union offers a 3 1 arm mortgage at 5.53% APR.
What are Northland Area Credit Union's auto, rv & boat loan rates?
As of August 4, 2026, Northland Area Credit Union offers vehicle loans from 4.49% APR.
What is Northland Area Credit Union's HELOC rate?
As of August 4, 2026, Northland Area Credit Union offers home equity lines of credit from 6.5% APR.
Related Rate Data
Compare Northland Area Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyTrack Northland Area Credit Union rates
Get a free API key to query these rates programmatically, or get the daily email when Michigan credit union rates move.
Use it via API
Access this data programmatically with our REST API
# Get rates for Northland Area Credit Union
curl "https://api.rateapi.dev/credit-unions/michigan/northland-area" \
-H "Authorization: Bearer YOUR_API_KEY"