Alpena-Alcona Area Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 1.36% | 5-year CD | 5 Year Share Certificate 2.35% - Synchrony Bank 60 Month CD |
| 0.45% | 1-year CD | 12 Month Share Certificate 1.45% - CIT Bank 11-Month No-Penalty CD |
| 0.15% | Savings | Regular Share |
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
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.
Data as of Q2 2017
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 62035 |
| Year Chartered | 1953 |
| Employees | 73 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.06% |
| Return on Equity - YTD | 10.69% |
| Annual Interest Income | $4.8MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2017vs Q2 2016 | $333.0MM$313.9MM |
| Loans | Q2 2017vs Q2 2016 | $169.3MM$150.9MM |
| Deposits | Q2 2017vs Q2 2016 | $296.7MM$282.0MM |
| Equity Capital | Q2 2017vs Q2 2016 | $33.3MM$29.5MM |
| Loan Loss Allowance | Q2 2017vs Q2 2016 | $984.00K$740.00K |
| Unbacked Noncurrent Loans | Q2 2017vs Q2 2016 | $1.5MM$801.00K |
| Real Estate Owned | Q2 2017vs Q2 2016 | $226.00K$371.00K |
Always verify rates and promotions with the bank or credit union. We are not Alpena-Alcona Area 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-Alcona Area Credit Union Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.35% | $2k | - | Money Market |
Alpena-Alcona Area Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 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 Office | 111 S Church St | Lincoln, MI 48742 |
| Branch Office | 1013 US Highway 23 N | Alpena, MI 49707-1249 |
| Branch Office | 12285 Jerome St | Atlanta, MI 49709-9369 |
| Branch Office | 118 W M 55 | Tawas City, MI 48763-9251 |
| Branch Office | 11610 US Highway 23 S | Ossineke, MI 49766-9586 |
| Branch Office | 1100 S Bagley St | Alpena, MI 49707-8104 |
| Branch Office | 103 S State St | Oscoda, MI 48750-1632 |
| Branch Office | 51 N Barlow Road | Lincoln, MI 48742 |