American 1 Credit Union

Overview / Commentary
718 E Michigan Ave
Jackson, MI 49201

American 1 Credit Union is headquartered in Jackson and is the 40th largest credit union in the state of Michigan. It is also the 667th largest credit union in the nation. It was established in 1980 and as of December of 2019, it had grown to 206 employees and 57,550 members at 18 locations. American 1 Credit Union's CD rates are 11% higher than the national average, and it 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

Related Posts

American 1 Credit Union 5-Year IRA CD Is A Rate Leader - 5/21/2020

American 1 Credit Union's nationally available 5-year IRA CD currently earns 2.27% APY ($50 minimum), with the 5-year CD earning 2.00% APY ($500 minimum).

American 1 Credit Union Offers Competitive 2-Year and 3-Year CDs - 10/31/2019

American 1 Credit Union has two competitive, nationally available CDs: 2-year (2.50% APY) and 3-year (2.75% APY) Minimum deposit is $500, with no stated balance cap.

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Reviews (1)

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 Appears you pay 90 days of interest plus the interest on the amount withdrawn.

"The penalty we may impose will equal 90 days dividends on the amount withdrawn plus the amount of dividends earned on the amount withdrawn in excess of the amount of dividends that would have been earned at the Savings/Share account rate."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 - YTD1.11%
Return on Equity - YTD6.37%
Annual Interest Income$22.1MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$421.3MM$368.0MM
LoansQ4 2019vs Q4 2018$300.1MM$264.9MM
DepositsQ4 2019vs Q4 2018$340.6MM$292.9MM
Equity CapitalQ4 2019vs Q4 2018$71.2MM$66.7MM
Loan Loss AllowanceQ4 2019vs Q4 2018$5.9MM$4.2MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$5.6MM$5.0MM
Real Estate OwnedQ4 2019vs Q4 2018$91.00K$0
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American 1 Credit Union Savings Account Rates

0.25%--Eagle Earners Account
0.15%$5-Regular Share Savings
0.15%--Members Choice Account
0.15%--Christmas Club
0.15%--Vacation Club
0.15%--True Savings

American 1 Credit Union Money Market Rates

0.25%$5k-Money Market Account

American 1 Credit Union Checking Account Rates

0.15%$2k-Premiere Checking

American 1 Credit Union CD Rates

2.00%$500-5 Year CD
1.75%$500-4 Year CD
1.50%$500-3 Year CD
1.25%$500-2 Year CD
1.00%$500-1 Year CD
0.75%$500-180 Day CD

American 1 Credit Union IRA Rates

2.27%$50-5 Year IRA
2.02%$50-4 Year IRA
1.76%$50-3 Year IRA
1.51%$50-2 Year IRA
1.26%$50-1 Year IRA
0.75%$50-180 Day IRA


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