The Straits Area Federal Credit Union All Credit Levels is a cdfi lender from Straits Area Federal Credit Union. This product reports activity to your personal credit report. Straits Area Federal Credit Union is a community-focused financial institution located in Cheboygan, MI, dedicated to serving its members by providing a range of financial products and services. With over 75 years of experience, it aims to enhance the prosperity of the Cheboygan County community and surrounding areas. Services include: personal loans, vehicle loans, mortgages, credit cards. US Treasury certified CDFI Credit Union in Cheboygan, MI. Membership required.