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 176^th largest credit union in the state of Michigan. It is also the 3,172^nd 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

Data as of Q1 2019

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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

Overall
NCUA #	62264
Year Chartered	1970
Employees	6
Primary Regulator

Profit Margin
Return on Assets - YTD	0.48%
Return on Equity - YTD	5.35%
Annual Interest Income	$175.00K

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$23.9MM$23.3MM
Loans	Q1 2019vs Q1 2018	$10.3MM$10.5MM
Deposits	Q1 2019vs Q1 2018	$21.4MM$20.7MM
Equity Capital	Q1 2019vs Q1 2018	$2.1MM$1.9MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$28.00K$28.00K
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$57.00K$1,000
Real Estate Owned	Q1 2019vs Q1 2018	$0$0

Rates

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Savings
Money Market
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not Alpena Community Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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
1.00%	-	-	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

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

APY	MIN	MAX	ACCOUNT NAME
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

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

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