Everything’s Coming Up Green! 50 YEARS

C E L E B R AT I N G

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Our new Money Market Account combines the best features of our savings, checking and certificate products by offering a high dividend with great access to your funds.

• Tiered rate – the more you save, the greater the return.*

• Liquid – convenient access to your funds when you need them.

• Federally insured – coverage up to $100,000 by the NCUA, a U.S. government agency.

• Great rate – interest is earned daily and compounded monthly.

• Access – free checks and up to 3 free withdrawals per month.

Watch your money grow this spring with Northland’s NEW Money Market Account

Longtime NAFCU member Beverly Green of Oscoda draws the names of our 10 lucky February $50 cash winners.

Wade Gordon – Oscoda Martha Dies – Fairview Dorothy Utash – Oscoda Ruth Welton – Oscoda Russell Johns – Oscoda Jim Carmichael – Hale George Downey – Oscoda Lorna Lemere – Harrisville Diana Collyer – East Tawas Gloria VanLuven – East Tawas

Hey, have you heard? We’re giving away ten $50 cash prizes every month in 2007 to celebrate our 50th anniversary! Look for the display and enter to win (no strings attached) at any of Northland’s 13 branch offices. We received 589 entries in February and the following members were randomly selected to win $50 each. Congratulations!

Don’t miss out on your chance to win $50!

For more information, please stop by any of our branches or call the Credit Union today at 1-800-336-2328. *Minimum deposit: $10,000. Paid and compounded monthly.APY = Annual Percentage Yield. Rates current as of 3/1/07

Money Market Tiers APY

$10,000-$24,999.99 2.78%

$25,000-$49,999.99 4.33%

Over $50,000 4.85%

National Credit Union Youth WeekApril 22-28

National Credit Union Youth week is April 22-28. Northland is committed to helping our youth members build a strong financial foundation for their fu-tures. Please bring your children, grandchildren, nieces, nephews, etc. into the Credit Union during April so they can open a youth account.

■ During the month of April, members between the ages of 13-17 can enter into a drawing to win an iPod Nano when they open a share savings account or deposit $30.

■ When children ages 12 and under open a share savings account or deposit $15, they will receive a free bobble-head pen. “Stash your Cash” coloring pages will be available for all children to color and display.

The time is now to apply for a Student Loan for college!Don’t wait another day! The student loan process can take months to complete, so you need to start now to be prepared to enter college in the fall.

Northland offers two types of Student Loans:

Stafford Loan - Repayment does not start until six months after you graduate or leave school.

Federal Plus Loans - The parents of the depen-dent undergraduate student can borrow up to the cost of the education less any financial aid.

Northland can help you start the process today. Simply call us, stop by and speak to a Member Service Representative or visit the “Lending” page of our web site.

Did you know as a Northland member you have access to 25,000 surcharge-free ATMs and more than 2,000 shared branches nationwide?

Simply look for ATMs displaying the CO-OP Network logo (please see below for instructions on how to find a participating ATM near you). CO-OP Network, of which Northland is a member, is the largest credit union-only ATM network in the country. CO-OP Network membership provides surcharge-free access at 25,000 ATM’s throughout the U.S. and Canada.

Plus you can conduct your Northland transactions at

Heading out of town?...take Northland with you from sea to shining sea!

2,000 shared branch locations across the USAWhether you’re traveling across town or across the country, chances are there’s a CO-OP Shared Branch (known as “Service Centers”) nearby. This means you can access your Northland account

and conduct transactions just like you would at one of our offices at more than 2,000 locations (your transactions are

then electronically posted to your NAFCU account).

Finding an ATM or Service Center within 10 miles of your planned destination is easy!

Just visit our web site at www.northlandcu.com and look for the CO-OP logo on the “Links” page, or call us at 800-336-2328 and a member service person will assist you.

The Northwood staff was honored recently with a special gift from longtime Northland member Paul Rittenour of Omer.

Mr. Rittenour, who does wood carv-ings in his spare time, presented us with a beautiful hand-drawn plaque celebrating the Credit Union’s 50’s anniversary.

Thank you again, Mr. Rittenour. You always brighten our day when you visit our AuGres office with your warm smile, jokes and wonderful stories.

THANK YOU!

RELAY FOR

LIFENorthland Area Federal Credit Union and McDonald’s work as a team to help raise money for the American Cancer Society’s “Relay for Life.”

Every Tuesday in March, the Northland Relay for Life Com-mittee sponsored an all-you-can-eat pancake dinner at the Oscoda McDonald’s. Our Northland clown troupe was there to entertain. The pancake dinners were a huge suc-cess, attracting more than 50 customers each night with a total contribution of more than $400.

Some of our other Relay for Life fundraising events include: first annual Chili cook off, Relay for Life bowling event at Vista Lanes in Oscoda, popcorn Friday’s, collect-ing pop cans and bottles, and raffling off Northlands CEO’s parking spot.

Please mark your calendar for these upcoming fundrais-ers: Garage sale and car wash at our Oscoda branch parking lot, June 2-3; Relay bears and paper star sales at all branch locations; and “Blue Jean Fridays” for the staff.

This year’s annual Relay for Life event starts at 5 p.m. on June 15 and continues for 24 hours. It will be held at Bo-len Park on Newman Street in East Tawas. To contribute to our Northland fundraising effort, please visit our website at www.northlandcu.com.

Paul Rittenour

NAFCU member Paul Rittenour created this beautiful drawing in honor of the Credit Union’s 50th anniversary.

Relay For Life is a fun-filled overnight event designed to celebrate survivorship and raise money for research and programs of the American Cancer Society. During the event, teams of people gather at schools, fairgrounds, or parks and take turns walking or running laps. Each team tries to keep at least one team member on the track at all times.

Northland’s Relay for Life Committee: (Top row L-R) Nicole Foster, Pam Schlink, Kristie Murray, Tammy Hewitt and Teri King. (Bottom row L-R) Jessica Brown, Rita Guerin and Marie Sanders. Not pictured: Kelly Kammer.

Lobby Drive-ThruMon.-Thurs. 9-5 9-6Friday 9-6 9-6Saturday Closed 9-1

The Harrisville lobby is open Saturdays from 9 a.m.-1 p.m.

After hours call the appropriate emergency number listed below:

To Report Lost or Stolen Cards:ATM or ATM/Debit Cards

1-800-754-4128VISA® Credit Cards1-800-991-4961

To Report Lost or Stolen Travelers Cheques/Money Orders:

Travelers Cheques1-800-221-7282 (USA)

Money Orders:1-800-542-3590

CREDIT UNION HOURS

MISSION STATEMENTThe mission of Northland Area Federal Credit

Union is to provide friendly, professional member service while maintaining mutual trust.

Your savings federally insured to at least$100,000

National Credit Union Administration, a U.S. Government Agency

NCUA

Wright Communications, Inc. ● www.wrightdigital.net ● 34,500 ● 4/07

Coming in July

Camp Grayling AirshowMark your calendar for Saturday & Sunday,

July 7-8. This spectacular air show willfeature the world famous Golden Knights

U.S. Army parachute team (shown in photo).For more information, please visit

www.campgraylingairshow.com

Do you know your obligations when cosigning for a loan?Often, parents cosign for their sons or daughters who have adequate income but lack credit or employment history. By cosigning, parents are helping their children get the loan and to establish credit in their own names. Cosigners lend their names and good credit histories.

Should the primary borrower (the child) lose a job, or otherwise fail to make payments, responsibility for meeting the terms of the loan can transfer to the cosigner (the parents).

The loan will appear on both the borrowers and cosigner’s credit reports. If the borrower doesn’t pay, the lender will notify you to make the payments. In most cases, however, your credit report already will contain the delinquency by the time you receive the notification. A cosigned loan is part of your credit history. Since financial institutions consider a cosigned loan your responsibility, they’ll consider it when you’re applying for a loan of your own.

Members with either a Northland VISA or MasterCard debit card should be sure to advise us if your address or telephone number has changed or been discon-nected recently.

Due to the increasing volume of credit card fraud taking place across the country, we are taking strides to make sure that you do not become a victim. If we are able to reach you promptly by telephone, it greatly helps us better identify any suspicious activ-ity on your card.

It is our continuing goal to provide Northland card holders with safe and convenient service. A great way for you to help is to make sure that we have a quick way to contact you by telephone. We recom-mend that you give us a day and night contact number.

You can reach us by calling toll free at 1-800-336-2328 or by stopping by any of our 13 branch locations.

Help protect against fraud by keeping contact info current

What is a Credit Union?A credit union is a member-owned, nonprofit financial institution formed for the purpose of encouraging savings by offering a fair return. Those savings are then used to make loans at competitively low interest rates to members, and to provide other financial services. Mem-bers are united by a common bond and democratically operate the credit union under state or federal regulation. There are more than 9,000 credit unions in the U.S. with more than 87 million members.

2007 Annual Meeting11 a.m. on Saturday April 14 at Wiltse’s Restaurant (across from the main branch in Oscoda)

Holiday closings■ Good Friday, April 6 – Lobbies open until 1 p.m.; Drive-thrus open all dayHarrisville lobby open all day.■ Memorial Day – Mon., May 28■ Independence Day – Wed, July 4