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About. Learn More About Us

We’ve always been your “Hometown and Friendly Credit Union”

Straits Area Federal Credit Union has served Cheboygan County and the surrounding area for over 60 years and we’re very proud of our history of helping members achieve their financial goals. We’re a community based, member-owned not-for-profit cooperative dedicated to providing the highest quality service and unmatched checking, savings, lending, and investment products.

We’re over 12,000 members strong with assets over $89 million which makes Straits Area Federal Credit Union the largest member owned financial institution in Cheboygan County. Throughout northern Michigan, we’re known for our commitment to using our strength to better the lives of our members.

We have three branches conveniently located in three wonderful northern Michigan communities: Cheboygan, Indian River and Mackinaw City. We have roots deep in these communities. Straits Area Federal Credit Union supports a broad spectrum of local charities and school programs, and our people get directly involved as volunteers.

We have 24/7 ATM access and drive through teller stations at all three locations and staff eager to help. So whether it’s a loan or a first mortgage you need or whether you looking for a Home Equity Line of Credit or need to set up an Individual Retirement Account, you’ve come to the right place when you walk in the door at Straits Area Federal Credit Union. We have totally FREE Checking and feature customized Savings Plans and Certificates of Deposit, too.

Our rates are highly competitive so stop in and see us. And check out our Online Service Center. We’re confident you find it easy to use and a great time saver with valuable information on managing your money. You can securely check your balances, transfer funds, compare rates, calculate loan payments, and apply for loans.

If you’re not already a member, joining Straits Area Federal Credit Union is easy! We’d love to talk to you about the benefits of belonging to our credit union. Remember, we exist to serve and help our members.

We’re good listeners and there’s always a hot cup of coffee waiting.


Cindy Harrison

Cindy Harrison