Northland Area Credit Union - Nationwide Branches

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Branch	Address	View Lobby Hours
Grayling Branch	2405 S I 75 Business Loop, Grayling, MI 49738	View Lobby Hours
West Branch II	3177 W M 76, West Branch, MI 48661	View Lobby Hours
Tawas Branch	201 E M 55, Tawas City, MI 48763	View Lobby Hours
Skidway Branch	1927 Greenwood Rd, Prescott, MI 48756	View Lobby Hours
Hale Branch	220 S Washington St, Hale, MI 48739	View Lobby Hours
Oscoda Branch	4346 F 41, Oscoda, MI 48750	View Lobby Hours
Glennie Branch	3358 State Rd, Glennie, MI 48737	View Lobby Hours
Harrisville Branch	410 E Main St, Harrisville, MI 48740	View Lobby Hours
Augres	317 N Huron Rd, Au Gres, MI 48703	View Lobby Hours
Fairview Branch	2049 E Miller Rd, Fairview, MI 48621	View Lobby Hours
Houghton Lake	2285 W Houghton Lake Dr, Houghton Lake, MI 48629	View Lobby Hours
Gaylord Branch	1371 W Main St, Gaylord, MI 49735	View Lobby Hours
West Branch	2170 S M 76, West Branch, MI 48661	View Lobby Hours
Mio Branch	208 N Morenci Ave, Mio, MI 48647	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 940549 License#: MB84774	6.629%	6.500%	1.00	$4,410	$2,023	Learn More
NMLS ID: 401822	6.644%	6.500%	0.88	$4,795	$2,023	Learn More
NMLS ID: 6606	6.708%	6.625%	0.88	$2,742	$2,049	Learn More
NMLS ID: 3030	7.350%	7.250%	1.00	$3,200	$2,183	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Achieve Loans See Table	Intro APR 8.500 % After Intro: 8.500 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). Equal Housing Opportunity. Offers may vary and all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. Minimum 600 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 6.74% - 14.75% and are assigned based on underwriting requirements and offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $852 for a 10-year loan. 10,15, 20 and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80% for debt consolidation and 85% for cash out requests, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

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