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907-563-4567
4000 Credit Union Dr
Anchorage, AK 99503

Alaska USA Credit Union is headquartered in Anchorage and is the largest credit union in the state of Alaska. It is also the 18st largest credit union in the nation. It was established in 1948 and as of March of 2014, it had grown to 1,697 employees and 497,147 members. Alaska USA Credit Union has a B health rating.

Field of Membership Restrictions

Contact the Member Service Center to qualify for membership. - See Details

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Horrible Servicing On Car Loans!!!

Warning - never use Alaska USA Federal Credit Union. I accidentally dropped the cents off our car payment (29 cents to be exact) and they called my loan "delinquent" and charged a late fee. I called them, and they were unmoving.  They said the amount late doesn't matter, if the whole payment isn't received the due date doesn't advance.  Very unethical behavior.  My husband and I are getting out of doing business with them as soon as possible.  

New Mortgage Subservice Partner

My husband and I have had an account with Alaska USA since the early 70's and pretty much been satisfied with everything. Sept 2011 Alaska USA notified us that they were switching our Mortgage loan servicing from Landsafe Servicing to Central Loan Admin & Reporting. With Landsafe I could auto send my monthly payment from Alaska USA and any additional monies would be applied to the principle and I could also use their auto calculator and see if we paid so and so more each month when our loan would be paid off. Central Loan Admin. CANNOT take an auto payment sent from my Alaska USA and apply towards my monthly payment and any extra money apply to the principle. They can only do this if I fill out a paper form so they can withdraw a set amount each month which is not good since I am not sure we can make the same extra principle payment each month. So it is now July 2012 and I auto paid my July payment from Alaska USA online site and mailed in a check for the extra principle besides with a note to apply to the principle. Which they did not. They paid my August 2012. I called and the agent said she would take care of it. She didn't. She applied an extra payment and an extra interest charge of $70.19 besides the already $74.17 of my July payment. So I made another call today and this person says she will take care of it. So in other words I have been trying to get Central Loan Admin to charge my acct correctly for 10 months with no satisfaction.

The lady I talked to today asked if I would like to take the survey; management listens to the surveys and cares to correct problems. I told her I had taken the survey several times and all it asks is how was your agents attitude and was he/she able to fix your problem never what is the problem. I also told her that Centrals mortgage calculator stinks and cannot calculate if you should wish to make additional payments.

Alaska USA your new Mortgage Subservice Partner sucks.  

Open To Residents Of San Bernardino County

Per phone agent, open to residents of San Bernardino County.

ACTIVE DUTY AVOID THIS BANK

they force impose their insurance on you, they lose paperwork you fax them, and they do not care if you are deployed. Christine the manager especially is rude. they dont care if a meteor takes out your entire block and your wife is pregnant with kids. a freaking earth quake could destroy the country you live in and they will not spare you peace of mind nor chance to fix your account. its pay in full or lsoe your property. i will never use alaska ever again!

-kevin hodges, recently returning from usn deployment.

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Health

Data for Q1 2014

Institution Health

B

Texas Ratio

GRADE:
B+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Alaska USA Credit Union had $51.69 million in non-current loans and owned real-estate with $415.29 million in equity and loan loss allowances on hand to cover it. This gives Alaska USA Credit Union a Texas Ratio of 12.45% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B

The Texas Ratio for Alaska USA Credit Union decreased slightly from 14.45% as of March 31, 2013 to 12.45% as of March 31, 2014, resulting in a positive change of 13.85%.This indicates that the balance sheet and financial strength for Alaska USA Credit Union has improved slightly in recent periods.

Deposit Growth

GRADE:
A

In the past year, Alaska USA Credit Union has increased its total deposits by $198.61 million, resulting in 4.05% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Alaska USA Credit Union has shown is excellent.

Capitalization

GRADE:
C-

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Alaska USA Credit Union has $5.56 billion in assets with $415.29 million in equity, resulting in a capitalization level of 7.47%, which is below average.

Institution Statistics

Overall
NCUA #5913
Year Chartered1948
Employees1697
Primary Regulator
Assets and Liabilities
Assets$5.56 billion
Loans$3.69 billion
Deposits$5.10 billion
Equity Capital$376.37 million
Loan Loss Allowance$38.92 million
Unbacked Noncurrent Loans$43.03 million
Real Estate Owned$8.66 million
Historic Data - March 2013
Assets$5.34 billion
Equity Capital$342.77 million
Loan Loss Allowance$41.80 million
Unbacked Noncurrent Loans$43.03 million
Real Estate Owned$16.54 million
Profit Margin - Quarterly
Net Interest Margin1.06%
Return on Assets0.47%
Return on Equity6.94%
Interest Income$46.80 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Alaska USA Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Alaska USA Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.20%$10k-Premium Savings
0.20%$50-IRA
0.20%$50-Roth IRA
0.20%$10k-Business Premium Savings
0.15%$50k-Health Savings Account
0.10%$50-Share Savings
0.10%$50-Business Share Savings

Alaska USA Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.35%$100k-Jumbo Money Market
0.35%$100k-Business Jumbo Money Market
0.25%$25k-Super Money Market
0.25%$25k-Business Super Money Market
0.15%$2,500-Money Market
0.15%$2,500-Business Money Market

Alaska USA Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.15%$100k-Business Checking
0.05%$1k-Investor Checking

Alaska USA Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.30%$100k-60 Month Certificate
1.20%$100k-48 - 59 Month Certificate
1.10%$100k-36 - 47 Month Certificate
1.10%$100k-60 Month Business Certificate
1.00%$100k-24 - 35 Month Certificate
1.00%$100k-48 - 59 Month Business Certificate
0.90%$100k-18 - 23 Month Certificate
0.90%$100k-36 - 47 Month Business Certificate
0.80%$100k-24 - 35 Month Business Certificate
0.75%$500-12 - 17 Month Certificate
0.70%$100k-18 - 23 Month Business Certificate
0.55%$500-12 - 17 Month Business Certificate
0.45%$500-9 - 11 Month Certificate
0.45%$500-9 - 11 Month Business Certificate
0.35%$500-6 - 8 Month Certificate
0.35%$500-6 - 8 Month Business Certificate
0.25%$500-3 - 5 Month Certificate
0.25%$500-3 - 5 Month Business Certificate
0.15%$500-1 - 2 Month Certificate
0.15%$500-1 - 2 Month Business Certificate

Alaska USA Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.30%$100k-60 Month Tax-Deferred IRA Certificate
1.20%$100k-48 - 59 Month Tax-Deferred IRA Certificate
1.10%$100k-36 - 47 Month Tax-Deferred IRA Certificate
1.00%$100k-24 - 35 Month Tax-Deferred IRA Certificate
0.90%$100k-18 - 23 Month Tax-Deferred IRA Certificate
0.75%$500-12 - 17 Month Tax-Deferred IRA Certificate
0.45%$500-9 - 11 Month Tax-Deferred IRA Certificate
0.35%$500-6 - 8 Month Tax-Deferred IRA Certificate
0.25%$500-3 - 5 Month Tax-Deferred IRA Certificate
0.15%$500-1 - 2 Month Tax-Deferred IRA Certificate
Locations

Alaska USA Credit Union has 65 locations. Click to view all Alaska USA Credit Union locations.