--- title: "Northland Area Credit Union Rates - Michigan" description: "Current mortgage, vehicle loan, and heloc rates from Northland Area Credit Union in Michigan. Updated daily with source verification. See who can join Northland Area Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/michigan/northland-area" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Northland Area Credit Union Rates - Michigan ### Mortgage rates 3 offers | Product | Published | Rate | Term / condition | Status | | **3 Year Adjustable Closed End*** 3 1 arm | — APR | 5.950% | — | Standard | | **ARM Investment Property*** arm | — APR | 6.950% | — | Standard | | **ARM Unimproved Land*** arm | — APR | 8.450% | — | Standard | Northland Area Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 8 offers | Product | Published | Rate | Term / condition | Status | | **Flex-Ride 2021-2024** auto_any_72mo | — APR | 3.990% | 72 mo | Standard | | **Flex-Ride 2025-2026** auto_any_72mo | — APR | 3.990% | 72 mo | Standard | | **72-Month New Auto Loan (2025–2026)** auto_new_72mo | — APR | 4.490% | 72 mo · new | Standard | | **60-Month Used Auto Loan (2025 and Older)** auto_used_60mo | — APR | 4.990% | 60 mo · used | Standard | | **New Motor Homes/Travel Trailers/Boats** rv_new_72mo | — APR | 6.950% | 72 mo · new | Standard | | **New Jet Skis, Motorcycles, Snowmobiles & ATV's** boat_new_72mo | — APR | 6.950% | 72 mo · new | Standard | | **Used Motor Homes/Travel Trailers/Boats** rv_used_60mo | — APR | 7.950% | 60 mo · used | Standard | | **Used Jet Skis, Motorcycles, Snowmobiles & ATV's** boat_used_60mo | — APR | 7.950% | 60 mo · used | Standard | Northland Area Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Adjustable HELOC*** heloc_variable | — APR | 7.240% | — | Standard | Northland Area Credit Union heloc rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **FlexPay** other | — % | 3.990% | — | Standard | Northland Area Credit Union other rates as of November 12, 2026 Northland Area Credit Union is a credit union in Michigan. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/michigan/northland-area) , verified from [Northland Area Credit Union's official website](https://www.northlandcu.com/) 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](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . 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. [**Wolverine State** Wolverine State Credit Union · Alpena · MI · 49707-8101 About 1.9 miles away](https://rateapi.dev/credit-unions/michigan/wolverine-state) [**H.p.c.** H.P.C. CREDIT UNION - MAIN OFFICE · ALPENA · MI · 49707 About 2.0 miles away](https://rateapi.dev/credit-unions/michigan/hpc) [**Alpena-Alcona Area** Alpena Office · Alpena · MI · 49707-8104 About 2.4 miles away](https://rateapi.dev/credit-unions/michigan/alpena-alcona-area) [**Alpena Community** Alpena Community Credit Union Main Office · Alpena · MI · 49707-1875 About 2.6 miles away](https://rateapi.dev/credit-unions/michigan/alpena-community) [**Community Financial** COMMUNITY FINANCIAL HILLMAN · HILLMAN · MI · 49746-8688 About 20.4 miles away](https://rateapi.dev/credit-unions/michigan/community-financial) [**Awakon** Awakon Federal Credit Union · Rogers City · MI · 49779-2137 About 27.7 miles away](https://rateapi.dev/credit-unions/michigan/awakon) 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](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Northland Area Credit Union's website. Check the membership page below to confirm whether you qualify. - Location Alcona, Alpena, Arenac, Crawford, Emmet, Iosco, Kalkaska, Ogemaw, Osceola, Oscoda, Otsego, Roscommon — MI Verified from [Northland Area Credit Union's membership page](https://www.northlandcu.com/) . Final membership determination is always made by the credit union. ## Membership rules for Northland Area Credit Union Geography 12 counties 12 published paths to membership, last verified August 5, 2026, from NCUA regulator charter records. ### Geography 12 Auto-verified against the source page from NCUA regulator charter records · last verified August 5, 2026 - Alcona County, MI - Alpena County, MI - Arenac County, MI - Crawford County, MI - Emmet County, MI - Iosco County, MI - Kalkaska County, MI - Ogemaw County, MI - Osceola County, MI - Oscoda County, MI - Otsego County, MI - Roscommon County, MI “NCUA call report 2026-03-31: TOM_CODE=66 (community charter); branch footprint: Alcona County, MI; Alpena County, MI; Arenac County, MI; Crawford County, MI; Emmet County, MI; Iosco County, MI; Kalkaska County, MI; Ogemaw County, MI; Osceola County, MI; Oscoda County, MI; Otsego County, MI;…” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Northland Area Credit Union? Yes No ## 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. - See which AI assistants fetched Northland Area Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Michigan - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=northland-area&state=michigan&code=MI&name=Northland%20Area%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## 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 November 12, 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 November 12, 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. ### Who can join Northland Area Credit Union? Northland Area Credit Union publishes its membership criteria on its own website. RateAPI tracks 12 published membership paths covering 12 counties for Northland Area Credit Union, each quoted from NCUA charter records. ## Related Rate Data Compare Northland Area Credit Union's rates against national credit-union benchmarks. [More Michigan credit unions](https://rateapi.dev/credit-unions/michigan) [Michigan mortgage rate leaders](https://rateapi.dev/mortgage-rates/michigan) [Michigan auto loan rate leaders](https://rateapi.dev/auto-loan-rates/michigan) [Michigan HELOC rate leaders](https://rateapi.dev/heloc-rates/michigan) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.northlandcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track 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. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Northland Area Credit Union curl "https://api.rateapi.dev/credit-unions/michigan /northland-area " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Northland Area Credit Union locations Search, filter, and browse all 17 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/michigan/northland-area Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp