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Alpena Alcona Area Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
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 7/12/2025
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 7/12/2025
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 7/12/2025
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 7/12/2025
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.aaacu.com
989-356-3577
1100 S Bagley St
Alpena, MI 49707

Alpena Alcona Area Credit Union is headquartered in Alpena and is the 30th largest credit union in the state of Michigan. It is also the 505th largest credit union in the nation. It was established in 1953 and as of March of 2025, it had grown to 121 employees and 48,198 members at 13 locations. Alpena Alcona Area Credit Union's money market rates are 5X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership in Alpena Alcona Area Credit Union is open to anyone who lives, works, attends school or worships in the state of Michigan.
See current membership details

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Health
A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #62035
Year Chartered1953
Employees121
Primary Regulator
Profit Margin
Return on Assets - YTD1.48%
Return on Equity - YTD12.65%
Annual Interest Income$11.2MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$881.7MM$800.8MM
LoansQ1 2025vs Q1 2024$519.7MM$456.7MM
DepositsQ1 2025vs Q1 2024$773.4MM$704.2MM
Equity CapitalQ1 2025vs Q1 2024$101.8MM$90MM
Loan Loss AllowanceQ1 2025vs Q1 2024$4.7MM$3.9MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$2.6MM$2.9MM
Real Estate OwnedQ1 2025vs Q1 2024$34K$27K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
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 7/12/2025
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 7/12/2025
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 7/12/2025
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 7/12/2025
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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* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.12%$0-Health Savings Account
1.51%$0-Educational IRA
0.20%$0-Preferred Share
0.15%$0-Regular Share
0.15%$0-Vacation Club
0.15%$0-Christmas Club

Alpena Alcona Area Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%*$100k*-Money Market
OTHER TIERS: 1.87% → $2k - $100k

Alpena Alcona Area Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.06%$500-12 Month CD
4.06%$100-12 Month Youth CD
3.80%$500-180 Day CD
3.80%$500-18 Month CD
3.80%$100-180 Day Youth CD
3.80%$100-18 Month Youth CD
3.29%$500-90 Day CD
3.29%$100-90 Day Youth CD
3.03%$500-5 Year CD
3.03%$100-5 Year Youth CD
2.78%$500-4 Year CD
2.78%$100-4 Year Youth CD
2.52%$500-3 Year CD
2.52%$100-3 Year Youth CD
2.02%$500-2 Year CD
2.02%$100-2 Year Youth CD
0.50%$25-12 Month Save to Win CD

Alpena Alcona Area Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%$0-Traditional IRA
1.51%$0-Roth IRA
Locations

Availability



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