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Alpena Community Credit Union


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

Alpena Community Credit Union is headquartered in Alpena and is the 176th largest credit union in the state of Michigan. It is also the 3,172nd largest credit union in the nation. It was established in 1970 and as of March of 2019, it had grown to 6 employees and 2,510 members at 1 location. Alpena Community Credit Union's money market rates are 2X the national average, and it has a B health rating.

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Health
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
Employees6
Primary Regulator
Profit Margin
Return on Assets - YTD0.48%
Return on Equity - YTD5.35%
Annual Interest Income$175.00K
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$23.9MM$23.3MM
LoansQ1 2019vs Q1 2018$10.3MM$10.5MM
DepositsQ1 2019vs Q1 2018$21.4MM$20.7MM
Equity CapitalQ1 2019vs Q1 2018$2.1MM$1.9MM
Loan Loss AllowanceQ1 2019vs Q1 2018$28.00K$28.00K
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$57.00K$1,000
Real Estate OwnedQ1 2019vs Q1 2018$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
1.00%--HSA -- Checking
1.00%--HSA -- Share Account
0.65%--TRAD 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
0.95%*$100k*-Money Market Share
OTHER TIERS: 0.50% $2k - $20k | 0.55% $20k - $50k | 0.75% $50k - $100k

Alpena Community Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.52%$2k-60 Month Share Certificate
2.02%$2k-48 Month Share Certificate
1.76%$2k-36 Month Share Certificate
1.51%$2k-24 Month Share Certificate
1.51%$100-Little Pig Grow Big Certificate
1.00%$2k-12 Month Share Certificate

Alpena Community Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.52%$2k-60 Month Roth IRA
2.52%$2k-60 Month IRA
2.02%$2k-48 Month IRA
2.02%$2k-48 Month Roth IRA
1.76%$2k-36 Month IRA
1.76%$2k-36 Month Roth IRA
Locations


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

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