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30606 Woodward
Royal Oak, MI 48073
248.549.3200
800.521.0480
Fax 248.549.0444

Telephone Banking
800.575.9844

Business Hours: 
Mon - Thurs. 
9:00am - 5:00pm
Friday
 9:00am - 6:00pm

Sat Drive-Thru Hours:
9:00am - 12:00pm

Service Center Hours:
(branch offices)
M - F
9:00am - 7:00pm
Sat 9:00am - 2:00pm

Privacy Policy

Northwood Credit Union will collect only the personal information needed to conduct our business.  That means just what is necessary to provide competitive financial products and services - no more.

Northwood Credit Union will protect our members' personal information.  We will maintain strong security controls to ensure that member information in our files and computers is protected.  Where appropriate, we will use security-coding techniques to protect against unauthorized access to personal records, ensure accuracy and integrity of communications and transactions, and protect member confidentiality.

Our members will always have access to their information.  As a member of Northwood Credit Union, they will always have the opportunity to review their information and make necessary changes to ensure that our records are complete and accurate.

Northwood Credit Union will only share information when absolutely necessary.  We will only share information to administer the products and services we provide, when required to do so by the government, or when we partner with other business to offer a broader array of products and services.

We will only partner with businesses that follow strict confidentiality requirements.  The businesses we select will offer products designed to enhance our members' economic well-being.  Under no circumstances will we authorize these firms to charge our members' accounts without their consent, and we will not sell member information to telemarketing firms.

When required, our credit union will offer members a choice in how their information is used.  Any member of our credit union may elect to keep their information from being shared with our business partners.  We will inform our members on how to exercise their choice, and we will take all reasonable steps to make sure their requests are followed.  At least once a year, we will remind all members of their right to choose.

To ensure that our members can rely upon the quality of products and services we make available, our credit union stands behind this policy.

Important Account Information for our Members - Truth - in - Savings Disclosure

Truth - in - Lending Disclosure

Home Equity Loan Program Disclosure

Home Equity Loan Program Disclosure Fixed Rate

Credit Life and Disability Certificate of Insurance

VISA  Disclosure

  VISA Classic Secured VISA
Annual Percentage Rate for Purchases, Cash Advances & Transfers 14.9% APR (fixed rate) 25 Days Accepted worldwide 17.9% APR (fixed rate) $200 - $5,000 credit limits (Credit limit is equal to the amount you keep on deposit at the credit union.)
Grace Period for Repayment of Balances for Purchases At least 25 days from statement closing date. At least 25 days from statement closing date.
Method of Computing the Balances for Purchases Average Daily Balance
(including new transactions)
Average Daily Balance
(including new transactions)
Annual Fee None $30
Minimum Finance Charge None None
Transaction Fee for Purchases None None
Late Payment Fee $25.00 $25.00
Over the Credit Limit Fee $25.00 $25.00