Straits Area Federal Credit Union

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 Saturday, May 23rd and Monday, May 25th for Memorial Day Weekend.
05/22/2026

We will be closed on Saturday, May 23rd and Monday, May 25th for Memorial Day Weekend.

For our 75th Anniversary we are giving away a different prize every month. For May we are giving away a Game Basket. I...
05/13/2026

For our 75th Anniversary we are giving away a different prize every month. For May we are giving away a Game Basket. It includes a variety of fun games to play.

To be entered to win all you have to do is Lock/Unlock your Debit Card from Our Mobile App or Online Banking. From our Mobile App tap More and then Manage My Cards. From Online Banking this feature is available on the upper right hand corner after logging in.

One prize winner will be selected on or about June 1st, 2026 by a random drawing from all qualified entries received between May 1st and May 31st, 2026

This week we donated $885.00 to the Cheboygan Area Schools Transitional Living Program. Matching the donations raised ...
05/06/2026

This week we donated $885.00 to the Cheboygan Area Schools Transitional Living Program. Matching the donations raised last week at the Cheboygan Area Chamber of Commerce Connecting Women Luncheon.

The Transitional Living Program provides Clothing, Hygiene Products, School Supplies, and Snacks to students in need. With the recent flooding, the need for these supplies has never been higher.

For our 75th Anniversary we are giving away a different prize every month. For May we are giving away a Game Basket. I...
05/05/2026

For our 75th Anniversary we are giving away a different prize every month. For May we are giving away a Game Basket. It includes a variety of fun games to play.

To be entered to win all you have to do is Lock/Unlock your Debit Card from Our Mobile App or Online Banking. From our Mobile App tap More and then Manage My Cards. From Online Banking this feature is available on the upper right hand corner after logging in.

One prize winner will be selected on or about June 1st, 2026 by a random drawing from all qualified entries received between May 1st and May 31st, 2026.

When mailing correspondence to SAFCU, our PO BOX must be included. Please Include PO BOX 367 in the line below our Stree...
04/24/2026

When mailing correspondence to SAFCU, our PO BOX must be included. Please Include PO BOX 367 in the line below our Street Address. If the PO BOX is omitted, the Post Office may return your mail.

For April we are doing 2 drawings for our 75th Anniversary!
04/23/2026

For April we are doing 2 drawings for our 75th Anniversary!

04/17/2026
Our Cheboygan Branch will be closed today due to the Evacuation Order.
04/15/2026

Our Cheboygan Branch will be closed today due to the Evacuation Order.

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

Website

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