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Alpena-Alcona Area Credit Union

Popular Accounts at this Credit Union

1.36%5-year CD5 Year Share Certificate
0.45%1-year CD12 Month Share Certificate
0.15%SavingsRegular Share

Overview / Commentary
1100 S Bagley St
Alpena, MI 49707-8104

Alpena-Alcona Area Credit Union is headquartered in Alpena and is the 43rd largest credit union in the state of Michigan. It is also the 728th largest credit union in the nation. It was established in 1953 and as of June of 2017, it had grown to 73 employees and 28,259 members at 8 locations. Alpena-Alcona Area Credit Union has an A health rating.

Field of Membership Restrictions

Alpena-Alcona Area CU is open to anyone who resides, holds employment, attends church, or is a registered student in the county of Iosco, has a family member who is a current AAA CU member, works for one of the on-site listed SEG's, is a member of one of the on-site listed organizations that is recognized as a CU-affiliate, or meets one of the other forms of FOM requirements.
See current membership details

Reviews (1)

Great Bank

This bank is amazing! Always very friendly associates and never a long wait time on the phone. They know me by name and my parents. This is a small town bank and I love the vibe. I have never had an issue that has went unresolved. They are a caring bank with many friendly faces. They always greet you with a friendly smile. Always are willing to sit down and help you. I have a checking a savings and a loan through them. When we needed financial help they were there to guide us. The loan dept is stellar. I love this bank and all the ladies that work here. Never have to wait much time inside. The wait for the outside can get a little ridiculous but I think that is due to wanting to give a personal experience every time through the drive thru.


Health Grade Components

NCUA #62035
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD1.06%
Return on Equity - YTD10.69%
Annual Interest Income$4.8MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$333.0MM$313.9MM
LoansQ2 2017vs Q2 2016$169.3MM$150.9MM
DepositsQ2 2017vs Q2 2016$296.7MM$282.0MM
Equity CapitalQ2 2017vs Q2 2016$33.3MM$29.5MM
Loan Loss AllowanceQ2 2017vs Q2 2016$984.00K$740.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$1.5MM$801.00K
Real Estate OwnedQ2 2017vs Q2 2016$226.00K$371.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Alpena-Alcona Area Credit Union Savings Account Rates

1.26%--Health Savings Account
1.00%--Traditional IRA
1.00%--Roth IRA
1.00%--Educational IRA
0.20%--Preferred Share
0.15%--Regular Share
0.15%--Vacation Club
0.15%--Christmas Club

Alpena-Alcona Area Credit Union Money Market Rates

0.35%$2k-Money Market

Alpena-Alcona Area Credit Union CD Rates

1.36%$500-5 Year Share Certificate
1.36%$100-5 Year Youth Certificate
1.21%$500-4 Year Share Certificate
1.21%$100-4 Year Youth Certificate
0.90%$500-3 Year Share Certificate
0.90%$100-3 Year Youth Certificate
0.75%$500-2 Year Share Certificate
0.60%$500-18 Month Share Certificate
0.55%$100-2 Year Youth Certificate
0.50%$25-Save to Win Share Certificate
0.45%$500-12 Month Share Certificate
0.45%$100-18 Month Youth Certificate
0.30%$100-12 Month Youth Certificate
0.20%$500-180 Day Share Certificate
0.20%$100-180 Day Youth Certificate
0.15%$500-90 Day Share Certificate
0.15%$100-90 Day Youth Certificate

Alpena-Alcona Area Credit Union IRA Rates

1.36%$500-5 Year IRA Share Certificate
1.21%$500-4 Year IRA Share Certificate
0.90%$500-3 Year IRA Share Certificate
0.75%$500-2 Year IRA Share Certificate
0.60%$500-18 Month IRA Share Certificate
0.45%$500-12 month IRA Share Certificate
0.20%$500-180 Day IRA Share Certificate
0.15%$500-90 Day IRA Share Certificate

Alpena-Alcona Area Credit Union Locations
Branch Office111 S Church StLincoln, MI 48742
Branch Office1013 US Highway 23 NAlpena, MI 49707-1249
Branch Office12285 Jerome StAtlanta, MI 49709-9369
Branch Office118 W M 55Tawas City, MI 48763-9251
Branch Office11610 US Highway 23 SOssineke, MI 49766-9586
Branch Office1100 S Bagley StAlpena, MI 49707-8104
Branch Office103 S State StOscoda, MI 48750-1632
Branch Office51 N Barlow RoadLincoln, MI 48742