Alpena Community Credit Union

Overview / Commentary
710 W Miller St
Alpena, MI 49707

Alpena Community Credit Union is headquartered in Alpena and is the 172nd largest credit union in the state of Michigan. It is also the 3,117th largest credit union in the nation. It was established in 1970 and as of September of 2019, it had grown to 6 employees and 2,502 members at 1 location. Alpena Community Credit Union's money market rates are 70% higher than the national average, and it has a B health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Alpena Community Credit Union has a low asset base.

Health Grade Components

NCUA #62264
Year Chartered1970
Primary Regulator
Profit Margin
Return on Assets - YTD0.9%
Return on Equity - YTD9.94%
Annual Interest Income$546.00K
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$24.5MM$22.8MM
LoansQ3 2019vs Q3 2018$10.9MM$10.8MM
DepositsQ3 2019vs Q3 2018$21.9MM$20.5MM
Equity CapitalQ3 2019vs Q3 2018$2.2MM$1.9MM
Loan Loss AllowanceQ3 2019vs Q3 2018$28.00K$30.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$65.00K$12.00K
Real Estate OwnedQ3 2019vs Q3 2018$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Alpena Community Credit Union Savings Account Rates

1.00%--HSA -- Checking
1.00%--HSA -- Share Account
0.65%--Traditional IRA Share
0.65%--Roth IRA Share
0.65%--Coverdell IRA Share
0.01%--Share Account
0.01%--Secondary Share
0.01%--Christmas Club
0.01%--Business Share

Alpena Community Credit Union Money Market Rates

0.75%*$100k*-Money Market Share
OTHER TIERS: 0.30% $2k - $20k | 0.35% $20k - $50k | 0.55% $50k - $100k

Alpena Community Credit Union CD Rates

2.02%$2k-60 Month Share Certificate
1.76%$2k-48 Month Share Certificate
1.51%$2k-36 Month Share Certificate
1.26%$2k-24 Month Share Certificate
1.26%$100-Little Pig Grow Big Certificate
0.75%$2k-12 Month Share Certificate

Alpena Community Credit Union IRA Rates

2.02%$2k-60 Month Roth IRA
2.02%$2k-60 Month IRA
1.76%$2k-48 Month IRA
1.76%$2k-48 Month Roth IRA
1.51%$2k-36 Month IRA
1.51%$2k-36 Month Roth IRA

Alpena Community Credit Union Locations
Branch Office710 W Miller StAlpena, MI 49707-1875

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