Advantage One Credit Union

Overview / Commentary

www.myaocu.com

734-676-7000

23670 Telegraph Rd
Brownstown, MI 48134

Advantage One Credit Union is headquartered in Brownstown and is the 75^th largest credit union in the state of Michigan. It is also the 1,299^th largest credit union in the nation. It was established in 1952 and as of December of 2018, it had grown to 57 employees and 16,130 members at 2 locations. Advantage One Credit Union's money market rates are 25% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship in, or attend school in the Southeast Michigan counties of Clinton, Eaton, Genesee, Hillsdale, Ingham, Jackson, Lapeer, Lenewee, Livingston, Macomb, Monroe, Oakland, Shiawassee, St. Clair, Washtenaw, or Wayne
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Health

B+

Data as of Q4 2018

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Health Grade Components

Overall
NCUA #	68679
Year Chartered	1952
Employees	57
Primary Regulator

Profit Margin
Return on Assets - YTD	0.33%
Return on Equity - YTD	3.23%
Annual Interest Income	$6.5MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$143.5MM$139.7MM
Loans	Q4 2018vs Q4 2017	$102.3MM$96.6MM
Deposits	Q4 2018vs Q4 2017	$127.6MM$124.6MM
Equity Capital	Q4 2018vs Q4 2017	$14.5MM$14.2MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$972.00K$700.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$1.2MM$1.0MM
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Advantage One Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	$5k^*	-	Health Savings Account
OTHER TIERS: 0.50% → $100 - $1k \| 0.75% → $1k - $5k
0.30%	-	-	IRA Share Savings
0.10%	$50	-	Primary Savings
0.10%	-	-	eCount Savings
0.10%	$50	-	Secondary Savings
0.10%	-	-	M3 Money Club
0.10%	-	-	Elements of Money

Advantage One Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.55%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.30% → $1.5k - $25k \| 0.35% → $25k - $50k \| 0.40% → $50k - $100k
0.55%^*	$95k^*	-	eCount Money Market
OTHER TIERS: 0.30% → $1k - $20k \| 0.35% → $20k - $45k \| 0.40% → $45k - $95k

Advantage One Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.40%^*	$100k^*	-	Advantage Interest Checking
OTHER TIERS: 0.10% → Up to $2.5k \| 0.15% → $2.5k - $10k \| 0.20% → $10k - $25k \| 0.30% → $25k - $100k

Advantage One Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.20%	$1k	-	3 Year Share Certificate
2.20%	$50	-	Kids and Teens Club 3 Year CD
2.00%	$1k	-	18 Month Share CD Special (New Money)
1.75%	$1k	-	4 Year Share Certificate
1.75%	$50	-	Kids and Teens Club 4 Year CD
1.60%	$1k	-	2 Year Share Certificate
1.60%	$1k	-	5 Year Share Certificate
1.60%	$50	-	Kids and Teens Club 2 Year CD
1.60%	$50	-	Kids and Teens Club 5 Year CD
1.00%	$1k	-	1 Year Share Certificate
1.00%	$500	-	1 Year eCount Share Certificate
1.00%	$50	-	Kids and Teens Club 1 Year CD
0.75%	$1k	-	6 Month Share Certificate
0.75%	$500	-	6 Month eCount Share Certificate
0.75%	$50	-	Kids and Teens Club 6 Month CD

Advantage One Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.20%	$1k	-	3 Year IRA
2.20%	$50	-	Kids and Teens Club 3 Year IRA
1.75%	$1k	-	4 Year IRA
1.75%	$50	-	Kids and Teens Club 4 Year IRA
1.60%	$1k	-	2 Year IRA
1.60%	$1k	-	5 Year IRA
1.60%	$50	-	Kids and Teens Club 2 Year IRA
1.60%	$50	-	Kids and Teens Club 5 Year IRA
1.00%	$1k	-	1 Year IRA
1.00%	$500	-	1 Year eCount IRA
1.00%	$50	-	Kids and Teens Club 1 Year IRA

Locations

Advantage One Credit Union Locations
Branch Office	23670 Telegraph Rd	Brownstown, MI 48134
Branch Office	13050 Fort St	Southgate, MI 48195

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