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 Advantage One Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 22, 2026
Advantage One Credit Union's 6 Month CD rates are at 3.80%, 6-Month Youth CD rates are at 3.79%, 12 Month CD rates are at 3.70%, 12-Month Youth CD rates are at 3.70%, IRA CD - 12-Month rates are at 3.70%. Advantage One Credit Union's savings rates are at 0.07%. Advantage One Credit Union's money market rates are at 0.70%. Advantage One Credit Union's 10-Year Fixed Rate Mortgage rates are at 5.62%, Conventional Fixed Rate Mortgage rates are at 5.62%, 15-Year Fixed Rate Mortgage rates are at 6.00%, Conventional Fixed Rate Mortgage rates are at 6.00%, VA Fixed-Rate Mortgage rates are at 6.00%. Advantage One Credit Union's RV, Boat and Powersport Loan Rates are as low as 6.74%. Advantage One Credit Union's Credit Card Rates are at 12.98%. MonitorBankRates evaluates the financial stability of Advantage One Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.07%. Rates last updated and verified on 09/22/2026. Advantage One Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Advantage One Credit Union? Share your experience about Advantage One Credit Union by leaving a review below, or read customer reviews before you decide to use Advantage One Credit Union. Advantage One Credit Union
Advantage One Credit Union 23670 Telegraph Rd
https://www.myaocu.com Brownstown, MI 48134 
Advantage One Credit Union CD Rates
Advantage One Credit Union Savings Rates
Advantage One Credit Union Money Market Rates
Advantage One Credit Union Checking Rates
Advantage One Credit Union Mortgage Rates
Advantage One Credit Union Home Equity & HELOC
Advantage One Credit Union Auto Loan Rates
Advantage One Credit Union RV, Boat and Powersport Loan Rates
Advantage One Credit Union Credit Card Rates
Advantage One Credit Union Personal Loan Rates
Financial Health HistoryAdvantage One Credit Union’s Texas Ratio stayed near 5.54% in Q2 2023 to 5.07% in Q1 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Advantage One Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Advantage One Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Advantage One Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Advantage One Credit Union
Website
https://www.myaocu.com
Address
23670 Telegraph Rd,
Brownstown, MI 48134
Phone
734-676-7000
Fax
President
Richard Lindemann
CEO
Christopher Corkery
Full-Time Employees
59
Part-Time Employees
1
Branch Locations
3
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.07%
Return on Assets (ROA)
0.3282%
Return on Equity (ROE)
2.8255%
Non-Performing Loans Ratio (NPL)
0.79%
Total Assets
266,013,188
Total Amount of Shares and Deposits
236,608,187
Total Shares and Deposits < 1 Year
233,057,953
Total Shares and Deposits 1 3 Years
2,282,873
Total Shares and Deposits > 3 Years
1,267,361
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
6,893,674
Total Uninsured Shares and Deposits > $250K (F+J)
6,893,674
Total Insured Shares and Deposits > $250K (item 17 less item K)
229,714,513
Total Interest Expense (Sum of items 6 8)
723,066
Share Certificates
1,881
Number of Accounts for Share Drafts
10,049
IRA KEOGH Accounts
428
Number of Accounts for Regular Shares
20,118
All other shares
17
Money Market Shares
224
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
15,579,152
Total Liabilities
236,622,074
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Add Your Rating and Review for Advantage One Credit Union
Frequently Asked Questions About Advantage One Credit UnionHow many branches does Advantage One Credit Union operate?Advantage One Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Advantage One Credit Union?Yes, to access services at Advantage One Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Advantage One Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Advantage One Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Advantage One Credit Union offer online and mobile banking?Most modern institutions like Advantage One Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.myaocu.com. Current Advantage One Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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