Overview / Commentary
989-356-4561
710 W Miller St
Alpena, MI 49707

Alpena Community Credit Union is headquartered in Alpena and is the 179th largest credit union in the state of Michigan. It is also the 3,221st largest credit union in the nation. It was established in 1970 and as of September of 2018, it had grown to 7 employees and 2,529 members at 1 location. Alpena Community Credit Union's money market rates are 3X the national average, and it has a C+ health rating.

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Health
C+
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

Overall
NCUA #62264
Year Chartered1970
Employees7
Primary Regulator
Profit Margin
Return on Assets - YTD0.59%
Return on Equity - YTD7.11%
Annual Interest Income$488.00K
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$22.8MM$23.7MM
LoansQ3 2018vs Q3 2017$10.8MM$10.8MM
DepositsQ3 2018vs Q3 2017$20.5MM$21.2MM
Equity CapitalQ3 2018vs Q3 2017$1.9MM$1.9MM
Loan Loss AllowanceQ3 2018vs Q3 2017$30.00K$38.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$12.00K$10.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%--HSA -- Checking
1.26%--HSA -- Share Account
0.65%--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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.21%*$100k*-Money Market Share
OTHER TIERS: 0.75% $2k - $20k | 0.80% $20k - $50k | 1.00% $50k - $100k

Alpena Community Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.78%$2k-60 Month Share Certificate
2.42%$2k-48 Month Share Certificate
2.22%$2k-36 Month Share Certificate
2.02%$2k-24 Month Share Certificate
0.60%$100-Little Pig Grow Big Certificate

Alpena Community Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.78%$2k-60 Month Roth IRA
2.78%$2k-60 Month IRA
2.42%$2k-48 Month IRA
2.42%$2k-48 Month Roth IRA
2.22%$2k-36 Month IRA
2.22%$2k-36 Month Roth IRA
Locations


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

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