Northland Area

alpena, Michigan
Last verified: July 10, 2026

As of July 10, 2026, Northland Area offers a 3-1-arm mortgage at 5.53% APR (5.45% rate, 0 points). Auto loans available from 4.49% APR. HELOC rates from 6.5% APR. Personal loan rates from 10.5% APR.

Source: RateAPI.dev, verified from Northland Area's official website

Who Can Join Northland Area

Membership eligibility from Northland Area's own published criteria. How we verify this.

Membership criteria are published on Northland Area's website. Check the membership page below to confirm whether you qualify.

Verified from Northland Area's membership page. Final membership determination is always made by the credit union.

Mortgage Rates

Rates as of July 10, 2026

3-1-arm
5.530% APR
Rate5.450%
Points0
3 Year Adjustable Closed End
3-1-arm
5.530% APR
Rate5.450%
Points0
[PROMOTIONAL] 3 Year Adjustable Closed End

Auto Loan Rates

Rates as of July 10, 2026

auto
4.490% APR
Rate4.490%
Flex-Ride 2021-2024
auto
4.490% APR
Rate4.490%
Flex-Ride 2025-2026
auto_new
4.990% APR
Rate4.990%
New 2025-2026 Vehicles
auto_used
5.490% APR
Rate5.490%
Used 2025 & Older Vehicles
auto_new
7.450% APR
Rate7.450%
New Jet Skis, Motorcycles, Snowmobiles & ATV's
auto_new
7.450% APR
Rate7.450%
New Motor Homes/Travel Trailers/Boats
auto_used
8.450% APR
Rate8.450%
Used Jet Skis, Motorcycles, Snowmobiles & ATV's
auto_used
8.450% APR
Rate8.450%
Used Motor Homes/Travel Trailers/Boats

HELOC Rates

Rates as of July 10, 2026

heloc_variable
6.500% APR
Rate6.500%
Adjustable HELOC
heloc_variable
6.500% APR
Rate6.500%
HELOC

Personal Loan Rates

Rates as of July 10, 2026

personal_unsecured
10.500% APR
Rate10.500%
Fixed Unsecured Loan

Frequently Asked Questions

What rates does Northland Area offer?

Northland Area currently offers mortgage, auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified July 10, 2026 directly from the credit union's official website.

How often are Northland Area rates updated?

RateAPI verifies Northland Area's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 10, 2026.

Where does RateAPI get Northland Area's rate data?

Rate data is collected directly from Northland Area'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's mortgage rate?

As of July 10, 2026, Northland Area offers a 3-1-arm mortgage at 5.53% APR.

What is Northland Area's auto loan rate?

As of July 10, 2026, Northland Area offers auto loans from 4.49% APR.

Related Rate Data

Compare Northland Area'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 Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Use it via API

Access this data programmatically with our REST API

terminal
# Get rates for Northland Area
curl "https://api.rateapi.dev/credit-unions/michigan/northland-area" \
  -H "Authorization: Bearer YOUR_API_KEY"