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American 1 Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.american1cu.org
517-787-6510
718 E Michigan Ave
Jackson, MI 49201

American 1 Credit Union is headquartered in Jackson and is the 37th largest credit union in the state of Michigan. It is also the 631st largest credit union in the nation. It was established in 1980 and as of March of 2025, it had grown to 282 employees and 66,562 members at 16 locations. American 1 Credit Union's CD rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

American 1 Credit Union is open to anyone through joining the Community 1 Cooperative ($3 membership fee).
See current membership details

Reviews (3)

They Make You Work Hard For The Extra Yield!

Posted by: |

Of all the CDs I've opened recently this one seems the most complicated. First, you can't just open / fund an acc online. Someone needs to call you, go over the conditions, and do a hard credit pull. You are then sent a document to sign via email, which strangely also includes some loan documents, your loan number, loan terms & conditions, with your name listed as the borrower! Exactly why a person applying for a CD needs to sign a loan document is beyond me. To make matters worse, they won't initiate a transfer from their end to fund the acc. You need to either mail a check, or do a wire transfer, which is costly. And you have only until September 08 to do all these! And good luck understanding the early redemption terms! I'll wait for the next 6% CD from a more easy-going bank/CU.

39

Hard Credit Pull

Posted by: |

They do a hard credit pull just to join and open a CD. Hard pass. Otherwise I would join.

25

American *Hard * Credit Union

Posted by: |

not for me very complex process to open cd account .pass find better credit union .

5


Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #65595
Year Chartered1980
Employees282
Primary Regulator
Profit Margin
Return on Assets - YTD-0.06%
Return on Equity - YTD-0.44%
Annual Interest Income$11MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$673.4MM$692.9MM
LoansQ1 2025vs Q1 2024$472.9MM$448.4MM
DepositsQ1 2025vs Q1 2024$558.3MM$578.9MM
Equity CapitalQ1 2025vs Q1 2024$97.5MM$93.8MM
Loan Loss AllowanceQ1 2025vs Q1 2024$16.7MM$14.5MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$10.6MM$7.9MM
Real Estate OwnedQ1 2025vs Q1 2024$91K$91K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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American 1 Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$5-Primary Share Savings
0.50%$0-Members Choice Account
0.50%$0-Christmas Club
0.50%$0-Vacation Club
0.50%$0-True Savings

American 1 Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$5k-Money Market Account

American 1 Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$2k-Premier Checking

American 1 Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.75%$500-180 Day CD
3.75%$500-1 Year CD
3.65%$500-18 Month CD
3.55%$500-2 Year CD
3.45%$500-3 Year CD
3.35%$500-4 Year CD
3.25%$500-5 Year CD
0.35%$500-30 Day CD
0.35%$500-60 Day CD
0.35%$500-90 Day CD

American 1 Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.75%$50-180 Day Traditional IRA
3.75%$50-1 Year Traditional IRA
3.75%$50-1 Year Roth/CESA IRA
3.55%$50-2 Year Traditional IRA
3.55%$50-2 Year Roth/CESA IRA
3.45%$50-3 Year Traditional IRA
3.45%$50-3 Year Roth/CESA IRA
3.35%$50-4 Year Traditional IRA
3.35%$50-4 Year Roth/CESA IRA
3.25%$50-5 Year Traditional IRA
3.25%$50-5 Year Roth/CESA IRA
0.35%$50-30 Day Traditional IRA
0.35%$50-60 Day Traditional IRA
0.35%$50-90 Day Traditional IRA
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