American 1 Credit Union

Overview / Commentary
718 E Michigan Ave
Jackson, MI 49201

American 1 Credit Union is headquartered in Jackson and is the 39th largest credit union in the state of Michigan. It is also the 642nd largest credit union in the nation. It was established in 1980 and as of March of 2021, it had grown to 185 employees and 59,576 members at 17 locations. American 1 Credit Union has an A+ health rating.

Field of Membership Restrictions

American 1 Credit Union is open to anyone through joining the Community 1 Cooperative ($3 membership fee). Membership is also to those who live in the Michigan counties of Calhoun, Hillsdale, Jackson, Lenawee, Washtenaw, or Wayne.
See current membership details

Reviews (3)

New Member Of American 1 Credit Union

Posted by: |

I’m a new member of American 1 Credit Union, and I opened an IRA with a long term CD.
Tracey Olson (E Service Specialist) did a great job of getting my account set up and my funds transferred from another CU.

Great Customer Service

Posted by: |

I’m a new member of American 1 Credit Union and Byron Rose who helped setup my membership and open a CD was so helpful. He went above and beyond for me. Unfortunately their rates have dropped significantly since I opened the CD but nonetheless Bryan’s customer service was excellent.

Odd EWP On Cds

Posted by: |

Wording from the web site on EWP. Appears you pay 90 days of interest plus the interest on the amount withdrawn.

"The penalty we may impose will equal 90 days dividends on the amount withdrawn plus the amount of dividends earned on the amount withdrawn in excess of the amount of dividends that would have been earned at the Savings/Share account rate."


Health Grade Components

NCUA #65595
Year Chartered1980
Primary Regulator
Profit Margin
Return on Assets - YTD0.52%
Return on Equity - YTD3.69%
Annual Interest Income$5.2MM
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$552.1MM$439.7MM
LoansQ1 2021vs Q1 2020$309.9MM$295.5MM
DepositsQ1 2021vs Q1 2020$465.8MM$361.2MM
Equity CapitalQ1 2021vs Q1 2020$74.8MM$72.4MM
Loan Loss AllowanceQ1 2021vs Q1 2020$5.7MM$5.7MM
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$3.3MM$5.4MM
Real Estate OwnedQ1 2021vs Q1 2020$91.00K$91.00K
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Always verify rates and promotions with the bank or credit union. We are not American 1 Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

American 1 Credit Union Savings Account Rates

0.25%--Eagle Earners Account
0.10%$5-Primary Share Savings
0.10%--Members Choice Account
0.10%--Christmas Club
0.10%--Vacation Club
0.10%--True Savings

American 1 Credit Union Money Market Rates

0.25%$5k-Money Market Account

American 1 Credit Union Checking Account Rates

0.10%$2k-Premier Checking

American 1 Credit Union CD Rates

0.75%$500-5 Year CD
0.50%$500-4 Year CD
0.35%$500-3 Year CD
0.25%$500-2 Year CD
0.15%$500-1 Year CD
0.10%$500-180 Day CD

American 1 Credit Union IRA Rates

0.85%$50-5 Year IRA
0.60%$50-4 Year IRA
0.40%$50-3 Year IRA
0.25%$50-2 Year IRA
0.15%$50-1 Year IRA
0.10%$50-180 Day IRA


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