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# Awakon Federal Credit Union

## Sitemaps

- [XML Sitemap](https://awakonfcu.net/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Changes to our Membership Agreement](https://awakonfcu.net/changes-to-our-membership-agreement/) - Please click here to view recent changes to our Membership Agreement.Changes to Our Agreement
- [What's New At Awakon...](https://awakonfcu.net/whats-new-at-awakon-2/)
- [Welcome To Awakon Federal Credit Union](https://awakonfcu.net/get-a-new-auto-loan-for-a-great-rate/) - Building Financial Trust and Stability, One Member at a Time. Awakon Federal Credit Union is a not-for-profit financial cooperative providing the best service to our most important assets – our members. The mission of a credit union is to provide and promote the use of a variety of financial services which feature particular benefits and advantages

## Pages

- [Newsletters](https://awakonfcu.net/about/newsletter/) - Everyday brings many new and exciting opportunities. Find all the latest information, announcements and upcoming events right here. Please check back with us often to be sure that you are up to date on what is happening at Awakon Federal Credit Union. JULY 2026 April 2026 January 2026 October 2025 July 2025 April 2025 January
- [Custom Debit Card Order](https://awakonfcu.net/savings-checking/custom-debit-card-order/) - Are you ready for a change of scenery? Now you can choose a custom design for each of your Awakon Credit or Debit cards for a $5 fee. Simply select a design and fill in your information in our Custom Order Form. It's easy, and fast! You can pick up your card as early as
- [Custom Credit Card Order](https://awakonfcu.net/custom-credit-card-order/) - Custom Credit Card Form Are you ready for a change of scenery? Now you can choose a custom design for each of your Awakon Credit or Debit cards, for a $5 service fee. Simply select a design and fill in your information in the form below. It's easy and fast! You can pick up your
- [Business Loans](https://awakonfcu.net/business-services/business-loans/) - Realize your business goals while effectively managing the bottom line with an Awakon Federal Credit Union business loan. We have the products to help finance your business's short and/or long term goals Commercial Real Estate Mortgages Lines of Credit SBA Guaranteed loans Commercial Equipment loans Business Credit Cards Information needed to apply for a Commercial
- [Community Involvement](https://awakonfcu.net/about/community-involvement/) - Awakon Federal Credit Union is dedicated to the promotion of our local communities, as well as the advancement of our youth. Together we can build a brighter future for EVERYONE in our communities. Together We Grow. Awakon Communities Advocacy Council (ACAC) Grant Program Awakon Federal Credit Union is giving back $56,000, to organizations across Northern Michigan.
- [Hours & Locations](https://awakonfcu.net/location-atms/) - Onaway - Main Office The Awakon Federal Credit Union offers 6 convenient locations to satisfy the financial needs of our members and their families. This section will help you find a location near you. Phone: 989-733-8557 Fax: 989-733-6252 Lobby Hours: Mon. - Thur 9:00am - 4:30pm Fri. 9:00am - 6:00pm Drive Thru Hours: Mon. -
- [ID Protect](https://awakonfcu.net/savings-checking/id-protect/) - What is Identity Theft? Identity theft is a crime in which an imposter gains access to another’s personal information, such as Social Security or credit card numbers, or medical insurance information and uses them for personal gain. Identity theft might be the result of a lost or stolen purse, stolen mail, documents taken from your
- [For Sale](https://awakonfcu.net/for-sale/) - Now Accepting Bids
- [Member Benefits](https://awakonfcu.net/about/member-services/) - As a member of the Awakon Federal Credit Union, you are entitled to many different Member Benefits. Benefits include the following: Savings Benefits- Sign your Federal Benefits up on Direct Deposit Get Direct Deposit information for you and/or your employer. Dollar Dog Kids Club Free Convenience Products (Online Banking, Mobile Banking, Text Banking, EasyPay w/E-Statements, &
- [Wiring Instruction](https://awakonfcu.net/savings-checking/wiring-instruction/) - INCOMING WIRING INSTRUCTIONS ( Wiring Money to Awakon FCU ) Credit To: Alloya Corporate Credit Union 184 Shuman Blvd Suite 400 Naperville,IL 60563 (888) 236-2677 ABA# 271-987-635 Further Credit To: Awakon Federal Credit Union 20855 Washington Ave Onaway, MI 49765 (989) 733-8557 ABA# 272-483-484 Final Credit To: Your name and account number Full 14 Digit
- [Cybersecurity Awareness](https://awakonfcu.net/education-center/cybersecurity-awareness/) - Dear Valued Members, We hope this message finds you well and enjoying the benefits of your membership of Awakon FCU. As part of our commitment to your financial well-being, we want to share some important information on how to protect yourself from spam emails, fraudulent phone calls and phishing scams that could compromise your account
- [Career Opportunities](https://awakonfcu.net/career-opportunities/) - Awakon Federal Credit Union is not just your financial partner, it's also a terrific place of employment! Our team is focused on providing our membership the very best-- the best rates, the best account options and the best membership experience. To ensure we continue to offer the highest levels of member service, we're seeking motivated individuals
- [Mortgage Application](https://borrower-awakonfcu.gonms.org/#/welcome/workflow:full)
- [Mortgage & Home Equity](https://awakonfcu.net/loans/mortgage-home-equity/) - Your largest single life investment is the purchase of a home. Whatever home you decide to buy, your Credit Union can help you with a mortgage loan. Our rates are great and our mortgage professionals are even better at matching your needs, from pre-qualification to closing. Whether you are looking to remodel, invest, or purchase
- [Checking Accounts](https://awakonfcu.net/savings-checking/checking-accounts/) - It Pays to Use Our Share Draft/Checking Account!! How much does your checking account cost? Consider this: Your credit union could save you money. It's a good bet our share draft/checking fees are lower than those at other financial institutions. Also, with our share draft/checking account you can take advantage of: Safekeeping for your cleared
- [Auto, Consumer and RV Loans](https://awakonfcu.net/loans/consumer-loans-2/) - Auto Loans We make your car buying experience a breeze! Finance your new or used automobile with Awakon today. We offer flexible financing terms and competitive rates. Additional services available for your auto loan include: •GAP Coverage- Unfortunately your insurance doesn’t always cover the amount you owe on your vehicle. •Life, Disability and Unemployment Protection
- [Show Me The Steps](https://awakonfcu.net/education-center/show-me-the-steps/) - Bill Pay Bill Pay Overview Adding a Payee in Bill Pay Paying a Bill in Bill Pay Setting up an eBill in Bill Pay Mobile Banking Depositing a Check Remotely Online Banking Introducing It's Me 247 Online Banking Making a Person to Person (P2P) Payment. Accepting a Person to Person (P2P) Payment Cancelling a Person
- [Debit/ATM Cards](https://awakonfcu.net/savings-checking/debit-atm-cards/) - MasterCard Debit Cards The Awakon Federal Credit Union's MasterMoney Debit Card allows you to either access money in your credit union account using an ATM to receive cash directly or you can make over-the-counter purchases using a point-of-sale (POS) terminal. Any merchant that displays the Mastercard logo will accept your MasterMoney Debit Card. Swipe and
- [EULA Update](https://awakonfcu.net/eula-update/) - What's Changing? Please note: the content of the EULA will NOT be changing with this update This system update will allow us to begin tracking a permanent record of member acceptance, recording each date, time, and specific EULA version as it is accepted by members. (This history will begin with this initial rollout and be
- [Mortgage Loan Originators](https://awakonfcu.net/loans/mortgage-loan-originators/) - Kayla Albrecht, NMLS# 1842329 Indian River Branch Supervisor Direct: 231-290-5431 Jordan Belleville, NMLS# 2264821 Financial Services Specialist Direct: 989-474-1100 Jason Freel, NMLS# 433807 Vice President of IT Direct: 989-474-1147 Cindy Hyde, NMLS# 438345 Mortgage Officer Direct: 989-474-1128 Karalyn Mix, NMLS# 721673 Mortgage Officer Direct: 231-290-5435
- [Investment Advisors](https://awakonfcu.net/about/free-financial-planning-services/) - Investment Navigators 122 W Chisholm St, Alpena MI Financial decisions can be complicated. Having a Financial Navigator at your side, can give you a better understanding of your options, in pursuing your financial goals. Molly Benson is an independent, financial advisor and is available to meet with members at any Awakon FCU location. Meetings
- [Children's Financial Education](https://awakonfcu.net/education-center/childrens-financial-education/) - Check out these downloadable PDF's to better help talk to your kids about money! MCUF My First Money Talk Parent Guide MCUF Money Map for CUs
- [Beware of Scams](https://awakonfcu.net/beware-of-scams/) - Beware of Scams Please be aware that there are many fraudulent texts circulating to Awakon Members, if you aren't sure if the text is real, please call our offices and verify! If you receive a call from someone, stating they are from Awakon FCU and are asking for personal information (even if the caller ID
- [Beware of Scams This Spring](https://awakonfcu.net/beware-of-scams-over-spring-break/) - This Spring, We are seeing a surge in scams and we’re here to help. What is a grandparent scam? In a typical grandparent scam, fraudsters exploit the trust and love between grandparents and their grandchildren. They often pose as a grandchild or other family member in distress, claiming to be stranded in a foreign location
- [Privacy Statement](https://awakonfcu.net/about/140-2/) - PRIVACY NOTICE FACTS What Does Awakon Federal Credit Union Do With Your Personal Information? Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.
- [IRA](https://awakonfcu.net/ira/) - A Traditional IRA A Roth IRA You can open an IRA At anytime At any age With any amount Start planning for your retirement today by opening an IRA account at Awakon Did you know that you can open an Individual Retirement Account (IRA) with Awakon FCU? Contact Kelly at 989-733-8557 Ext 2226 to learn
- [Member Coverage](https://awakonfcu.net/member-coverage/) - Member Coverage Peace of Mind comes with added protection Member Deposits are now insured up to $1,000,000 This exceptional level of coverage is attained through a combination of Federal Insurance provide by the National Credit Union Administration (NCUA) and private insurance from Excess Share Insurance Corporation (ESI)
- [Watch your money grow...](https://awakonfcu.net/watch-your-money-grow/) - Watch your money grow... Awakon CDs are a great investment tool, offering various options with high yields.
- [Merchants' Choice Card Services](https://awakonfcu.net/business-services/merchantschoice/) - "Payment Solution for Every Merchant" FROM: Credit/Debit Card Processing with EMV chip technology Terminals, Supplies, Paper and Ink Ribbon Internet Processing ATM Sales, Installation, & Supplies Check Systems Integrate with most software programs Gift and Loyalty Cards Financial Institution Sponsored Plans Processing with your Smart Phone or Pad With representatives in Wisconsin, Minnesota, Upper Michigan,
- [Sallie Mae Smart Option Student Loans](https://awakonfcu.net/sallie-mae-smart-option-student-loans/) - Sallie Mae’s Smart Option Student Loan For college expenses not covered by scholarships and federal loans, Awakon Federal Credit Union has partnered with Sallie Mae to bring you loans with great repayment options and competitive rates. Learn more about student loan options and apply today
- [Welcome to Awakon's Feedback Center!](https://awakonfcu.net/feedback-center/) - Awakon Federal Credit Union strives to provide exceptional member experiences, cutting-edge solutions, and professional experts to build financial trust and stability one member at a time. Many of our best ideas come from you, our members. We invite you to tell us how we're doing. Survey Fill out our branch experience survey to automatically be
- [Update from Our Executive Management Team](https://awakonfcu.net/update-from-our-executive-management-team/) - This Page Will Be Updated Frequently; Check Back Often April 15th, 2021: Due to COVID related safety precautions for our staff and membership, our lobbies will temporarily be accessible, only for scheduled appointments, effective immediately. This will also help us to preserve staffing coverage in our Drive Thru's, so that we may continue to provide
- [Loans](https://awakonfcu.net/loans/) - Auto Loans We make your car buying experience a breeze! Finance your new or used car, truck or van at your Credit Union. We offer flexible financing terms and competitive rates. NADA price guide! Signature Loans Overdraft Protection You may automatically transfer the necessary funds from the share account you selected to cover your overdrafts.
- [Loan Rates](https://awakonfcu.net/loans/loan-rates/) - Apply For A Loan Online Now! You don't even have to be a member yet. [table id=9 /] [table id=10 /] Your Actual APR (Annual Percentage Rate) will be based upon your individual credit worthiness, year of vehicle, term of loan and applicable prepaid items. Some Restrictions May Apply. HELOC Loans have a $5,000.00 minimum.
- [Visa Credit Cards](https://awakonfcu.net/visa-credit-cards/) - Apply For A Credit Card Online Now! In addition to offering you a great rate, we are proud that our Credit Cards are handled internally by our staff here at Awakon Federal Credit Union. What does that mean for you, our member? The same great service you receive on all of our other products and
- [Share Certificates](https://awakonfcu.net/investments/share-certificates/) - Certificates of Deposits from your Credit Union are an excellent investment opportunity if you do not need immediate access to your funds and want to invest for longer periods to obtain high rates of return. Penalty for early withdrawals. For more information, please call 989.733.8557 or stop into one of our locations.
- [Savings Rates](https://awakonfcu.net/savings-checking/savings-rates/) - *Fees may reduce earnings. Rate may change after the account is opened.
- [Dollar Dog Kids Club](https://awakonfcu.net/savings-checking/youth-services-2/) - Learning to save and manage money is important. Thanks to Awakon Federal Credit Union's Dollar Dog Kids Club, it can be fun, too. It's the perfect way to teach kids ages 12 and younger the value of saving money on a regular basis. Joining is Easy & FREE! Simply open a Dollar Dog Kids
- [Fee Schedule](https://awakonfcu.net/about/disclosures-notices/) - Fee Schedule [table id="7" /] *An NSF charge is imposed each time an item is presented against insufficient funds. The payee (or the payee's institution) may re-present a previously returned item. Each presentment against insufficient funds will result in a separate charge.
- [The Credit Union Difference](https://awakonfcu.net/about/the-credit-union-difference/) - How Are Credit Unions Different? Your credit union is a different kind of financial institution. Here are four key factors that set us apart from other financial institutions: 1. You are an owner. Members who belong to the credit union are its owners, not merely customers. That's because credit unions are set up as not-for-profit
- [Membership Eligibility](https://awakonfcu.net/about/membershipeligibility/) - To qualify for membership, one of the following must apply; you must live, work, worship, attend school in, or own a business located in the Northernmost Eight Counties of Lower Michigan, which include; Presque Isle, Cheboygan, Montmorency, Otsego, Alpena, Emmet, Charlevoix, and Antrim Counties. To open an account, visit the branch nearest you. Join Awakon
- [Scorecard Rewards](https://awakonfcu.net/scorecard-rewards/) - Members will earn one point for every dollar they spend using their Awakon Visa Credit Card. Earn up to 12 times more in Bonus Points by shopping through ScoreMore. Learn more about Scorecard Rewards on the Scorecard Rewards website. Redeem points for: Merchandise Travel Gift Cards To check your point balance call 800-854-0790, speak or
- [Contact](https://awakonfcu.net/contact/) - ATM/DEBIT & VISA Cards: Toll Free After Hours Reporting Lost/Stolen Cards within the US: 833.933.1681 Collect Calls Reporting Lost/Stolen Cards outside the US: 812-647-9794 ________________________________________________________________________________________________ This form is not a secure channel. Please do not submit private information such as account numbers, social security numbers or PINs through this form. If you have questions involving
- [Financial Tune Up](https://awakonfcu.net/new-service-financial-tune-up/) - Our popular "Financial Tune Up" is back! Stop by one of our branches or contact one of our Financial Service Specialists for a FREE "Financial Tune Up" to see where we might be able to save YOU money! *Financial Tune Up inquiries WILL NOT affect your Credit Report. We schedule time for annual checkups for our health &
- [Savings & Checking](https://awakonfcu.net/savings-checking/) - Share Savings Account Whether you just need to place a stash of cash short term or you’re looking for long-term investment vehicles, your Credit Union has what you need. Current Rates Share Draft Account It Pays to Use Our Share Draft/Checking Account!! How much does your checking account cost? Consider this: Your credit union could
- [Calculators](https://awakonfcu.net/loans/loan-financial-calculators/) - These calculators are provided as general reference only. Please be aware that exact figures are only available when consulting a qualified Credit Union representative Loan Calculator
- [About Awakon](https://awakonfcu.net/about/) - Awakon Federal Credit Union is a not-for-profit financial cooperative providing the best service to our most important assets - our members. Founded on the basic democratic premise of the cooperative movement, the Awakon Federal Credit Union believes that access to low-cost financial services is critical to the health and stability of ordinary citizens. Your credit
- [History](https://awakonfcu.net/about/history/) - On October 26th 1951, our founding fathers met at St. Paul’s Catholic Church to learn about how their community would benefit from having a credit union. Credit Unions are Member-Owned, have lower fees, lower loan rates, higher dividends, and exceptional service. By the end of this meeting, the Onaway Community Federal Credit Union had been
- [Book An Appointment](https://awakonfcu.net/book-an-appointment/) - Schedule an Appointment If you are using assistive technology or would like to schedule an appointment over the phone, please give us a call: 989.733.8557 Call us to set up an appointment
- [Business Services](https://awakonfcu.net/business-services/) - At Awakon Federal Credit Union, we have products to meet your business needs, no matter how big or small. Whether you require a savings, checking, Mastercard Debit Card, Loan Products, Business Solutions, or Plastic Processing, we have you covered. Business Savings and Checking Business Loans Merchants' Choice Card Services Area Chambers of Commerce
- [Credit Card Limit Increase](https://awakonfcu.net/credit-card-limit-increase/)
- [Area Chambers Of Commerce](https://awakonfcu.net/business-services/area-chambers-of-commerce/) - Visit our local area Chambers of Commerce. Onaway Community Chamber of Commerce Gaylord Area Chamber of Commerce Rogers City Chamber of Commerce Indian River Chamber of Commerce Cheboygan Area Chamber of Commerce Alpena Area Chamber of Commerce Posen Chamber of Commerce Atlanta Area Chamber of Commerce Beaver Island Chamber of Commerce Elk Rapids Chamber of
- [Business Savings & Checking](https://awakonfcu.net/business-services/business-savings-checking/) - Business Savings Whether your business is a Corporation, Partnership, LLC, DBA, Sole Proprietorship, Non-Profit or other, we have an account that’s just for you. HSA (Health Savings Account) Do your employees have a high-deductible health plan? Well an HSA may be something to consider to provide them protection from catastrophic medical costs. Deductions can be
- [CU*Talk Telephone Banking](https://awakonfcu.net/cutalk-telephone-banking/) - Audio Response 1- 800- 860- 5704 With the Awakon Federal Credit Union's audio response system, most of your credit union transactions may be conducted at your convenience. You can access your account 24 hours a day, from any touch-tone telephone. Check account balances, transfer between accounts, see what checks have cleared, and more. It is
- [Individual Retirement (IRA)](https://awakonfcu.net/investments/individual-retirement-accounts-ira/) - Start planning for your retirement today by opening an IRA account at your Credit Union. With outstanding rates and funds that grow tax deferred year after year, an IRA account is an important part of your long-term savings portfolio. A Traditional IRA offers tax-deferred earnings and the possibility of tax deductible contributions. A Roth IRA
- [Savings Accounts](https://awakonfcu.net/savings-checking/savings-accounts/) - Current Rates Business Savings Whether your business is a Corporation, Partnership, LLC, DBA, Sole Proprietorship, Non-Profit or other, we have an account that’s just for you. HSA (Health Savings Account) Do your employees have a high-deductible health plan? Well an HSA may be something to consider to provide them protection from catastrophic medical costs. Deductions
- [Awakon Sense](https://awakonfcu.net/awakon-sense/) - We know you face important financial decisions every day and we are here to help! This program will equip you with the critical knowledge and skills you need to make the financial decisions that are best for you. Get started with Awakon Sense
- [Loan Application](https://loans.itsme247.com/122/Home/Start#new_tab)
- [Education Center](#)
- [Report Suspicious Email](https://awakonfcu.net/contact/rport-suspicious-email/)
- [Auto & Recreational Vehicles](https://awakonfcu.net/for-sale/auto-recreational-vehicles/) - Real Estate / Auto & Recreational Vehicles If you have any questions or are interested in taking a look at this beautiful 2017 30 ft. camper, you can schedule an appointment by calling Kathy or Michelle at 989-733-8557 ext. 2222 or 2227 We are offering it for $12,900
- [Investments](https://awakonfcu.net/investments/) - Certificate of Deposit Certificates of Deposits from your Credit Union are an excellent investment opportunity if you do not need immediate access to your funds and want to invest for longer periods to obtain high rates of return. Current Rates Individual Retirement Accounts (IRA) Start planning for your retirement today by opening an IRA account
- [Fee Schedule](https://awakonfcu.net/savings-checking/fee-schedule/) - [table id="7" /]
- [Switch Kit](https://awakonfcu.net/for-sale/switch-kit/) - AWA_SwitchKitBRO

## Slides

- [RV Loan July/August](https://awakonfcu.net/slides/rv-loan-july-august/)
- [MCUF Award](https://awakonfcu.net/slides/mcuf-award/)
- [Summer VISA](https://awakonfcu.net/slides/summer-visa/)
- [Excess Insurance](https://awakonfcu.net/slides/excess-insurance/)

## Categories

- [homeposts](https://awakonfcu.net/category/homeposts/)
- [News](https://awakonfcu.net/category/news/)