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, September 5th and Monday, September 7th for Labor Day.
08/27/2026

We will be closed on Saturday, September 5th and Monday, September 7th for Labor Day.

For our 75th Anniversary we are giving away a different prize every month. For August we are giving away a Camping Gi...
08/07/2026

For our 75th Anniversary we are giving away a different prize every month. For August we are giving away a Camping Gift Basket to a randomly selected member.

One prize winner will be selected on or about September 3rd, 2026 by a random drawing of all members in good standing.

07/29/2026

We would like to extend a heartfelt apology to our members having issues during the transition to our new debit cards. At this time only a small percentage of our cards are not working. We are working diligently to get all of the remaining cards working. In the meantime, please reach out to us if you are still having issues with your cards. We truly appreciate your patience. Our new cards feature enhanced durability and & tap-to-pay technology which helps to improve security against fraudulent transactions.

Our Night-Drop at our Cheboygan branch will be unavailable after 12pm on Saturday, July 18th.
07/17/2026

Our Night-Drop at our Cheboygan branch will be unavailable after 12pm on Saturday, July 18th.

07/14/2026
For our 75th Anniversary we are giving away a different prize every month. For July we are giving away a Beach Gift Pa...
07/13/2026

For our 75th Anniversary we are giving away a different prize every month. For July we are giving away a Beach Gift Pack. To be entered to win all you have to do is remote deposit a check from our Mobile App during the month of July.
One prize winner will be selected on or about August 3rd, 2026 by a random drawing from all qualified entries received between July 1st and July 31st, 2026.

We will be closed on Saturday, July 4th.
07/03/2026

We will be closed on Saturday, July 4th.

Our Indian River Branch ATM and Nightdrop will be closed from 12pm Saturday, June 27th to 12pm Sunday, June 28th. Due ...
06/27/2026

Our Indian River Branch ATM and Nightdrop will be closed from 12pm Saturday, June 27th to 12pm Sunday, June 28th. Due to Parking Lot Resurfacing.

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

Alerts

Be the first to know and let us send you an email when Straits Area Federal Credit Union posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category