Straits Area Federal Credit Union

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Straits Area Federal Credit Union Empowering our members to financial freedom, our employees to professional growth, and our communities to opportunities. Federally Insured By NCUA.

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 61 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. 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. Equal Housing Lender.

We will be closed on Monday, October 12th (Columbus Day) for Staff Training.
10/14/2026

We will be closed on Monday, October 12th (Columbus Day) for Staff Training.

10/08/2026
Join the Straits Area Federal Credit Union team! We currently have a consumer loan officer position available, as well a...
09/24/2026

Join the Straits Area Federal Credit Union team! We currently have a consumer loan officer position available, as well as full service representatives at both the Cheboygan and Indian River branches.
If you're friendly, motivated, and ready to make a difference in your community, we would love to meet you!
Apply today and start your career with SAFCU: https://www.mi-safcu.org/careers/

Join the Straits Area Federal Credit Union team! We currently have a consumer loan officer position available, as well a...
09/18/2026

Join the Straits Area Federal Credit Union team! We currently have a consumer loan officer position available, as well as full service representatives at both the Cheboygan and Indian River branches.

If you're friendly, motivated, and ready to make a difference in your community, we would love to meet you!
Apply today and start your career with SAFCU: https://www.mi-safcu.org/careers/

For our 75th Anniversary we are giving away a different prize every month. For September we are giving away two gift b...
09/18/2026

For our 75th Anniversary we are giving away a different prize every month. For September we are giving away two gift baskets.

One member will be selected on or about October 5th, 2026 by a random drawing of all members in good standing. An additional basket will be given away by a random drawing of members who used Online Bill Pay or PayAnyone during the month of September.

🎉 Attention teachers from schools in our field of membership 🎉Applications for the 2026 Teacher Supply Grants are now be...
09/10/2026

🎉 Attention teachers from schools in our field of membership 🎉
Applications for the 2026 Teacher Supply Grants are now being accepted!
You can find the application here:https://www.mi-safcu.org/wp-content/uploads/2026/09/2026-grant-application.pdf

September is Su***de Prevention Awareness Month. If you or someone you know is struggling, help is available. Call or t...
09/10/2026

September is Su***de Prevention Awareness Month. If you or someone you know is struggling, help is available. Call or text 988 to connect with the Su***de & Crisis Lifeline.

Address

201 Locust Street
Cheboygan, MI
49721

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 12pm

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