Thunder Bay Area Credit Union
417 W. Chisholm Street,   Alpena, Michigan   49707
  IT'S ME 247 Check Reorder Contact Us Xtend Shared Branching

What's New!

YOUTH LITERACY starts in the home. As a parent, teaching a child financial responsibility can be challenging.

Credit union membership can help your child learn the value of money and saving.

Use this coupon to open your child an account today!

Follow these links for free resources to keep you safe and informed

Fight Identity Theft at   

Pay Day Lending - Don't Be Fooled

A cash advance loan secured by a personal check - such as a payday loan - is very expensive credit. Some contracts do not allow you to pay your advance off early. Pay Day Lending in Alpena will cost you about 412%!

Alternatives to Payday Loans

  • A small loan from your credit union
  • Pay advance from employer
  • A cash advance on a credit card
    (may have higher interest rate than
    a credit union loan or pay advance)
Be sure to get all the facts before you enter into a pay day lending agreement.

Free Credit Report

As of March 1, 2005, Michigan residents can request one free credit report per year from each of the three major credit reporters. Get yours one of three ways:

Fill In The Gap

Most cars depreciate by the thousands of dollars as soon as they are purchased. If your vehicle is stolen, damaged beyond repair or otherwise declared a total loss, you are still liable to pay the difference, or the "gap," between your insurer's settlement and your loan balance.

For just a few dollars a month, GAP can save you from making loan payments on a vehicle you can no longer drive! Ask a loan officer today how you can get GAP coverage on your vehicle loan.

Coverage For Peace Of Mind

Available for your loan - life and disability coverage. Have peace of mind, should something happen, your loans will be paid.

See a loan officer today and find out how you can protect your loans.

Statements On-line

E-statements are available much sooner than a mailed copy and are convenient allowing you to view and print your statements from any web connection. Log on to CU*@HOME and click on "View Your Statements" to enroll today.
Note: E-statements will take the place of mailed statements.

Fraud, Scams and Swindles

Don't get caught. Click here to find out about protecting yourself.

It Is Never Too Late To Start An IRA

In today's electronic age it is easy to start an Individual Retirement Account (IRA) and contribute on a regular basis. Open an IRA today and set up a payroll deduction or automatic transfer from your savings for weekly, bi-weekly or monthly contributions. Five or ten dollars a week can add up! Our IRA's pay monthly interest! Visit our IRA Q&A page for more information.