Alpena Community Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
2.78%	5-year CD	3.10% - Goldman Sachs Bank USA High-yield 5 Year CD
0.01%	Savings	2.00% - Ally Bank Online Savings Account
2.42%	4-year CD	2.85% - Barclays 48 Month Online CD

View all Alpena Community Credit Union rates »

Overview / Commentary

www.alpenacreditunion.com

989-356-4561

710 W Miller St
Alpena, MI 49707

Alpena Community Credit Union is headquartered in Alpena and is the 179^th largest credit union in the state of Michigan. It is also the 3,221^st 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+

Data as of Q3 2018

Learn why bank health matters

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 Chartered	1970
Employees	7
Primary Regulator

Profit Margin
Return on Assets - YTD	0.59%
Return on Equity - YTD	7.11%
Annual Interest Income	$488.00K

Assets and Liabilities
Assets	Q3 2018vs Q3 2017	$22.8MM$23.7MM
Loans	Q3 2018vs Q3 2017	$10.8MM$10.8MM
Deposits	Q3 2018vs Q3 2017	$20.5MM$21.2MM
Equity Capital	Q3 2018vs Q3 2017	$1.9MM$1.9MM
Loan Loss Allowance	Q3 2018vs Q3 2017	$30.00K$38.00K
Unbacked Noncurrent Loans	Q3 2018vs Q3 2017	$12.00K$10.00K
Real Estate Owned	Q3 2018vs Q3 2017	$0$0

Rates

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Savings
Money Market
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.

Alpena Community Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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 Office	710 W Miller St	Alpena, MI 49707-1875

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