First Area Credit Union in Saginaw and Hemlock MI was chartered in 1961. Membership is open to anyone who lives, works, worships or attends school in Saginaw County. Also, any immediate family members of a First Area Credit Union member are eligible to join. We now offer two great locations in Saginaw and Hemlock MI to help serve you better with auto loans, mortgages, Personal Loans, Savings, Checking and online banking