What are the current interest rates at Alpena-Alcona Area Credit Union?

Current rates for Alpena-Alcona Area Credit Union include: 12-Month CD: 4.06%, 18-Month CD: 3.80%, 24-Month CD: 2.02%, 60-Month CD: 3.03%, Savings: 5.12%

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Alpena-Alcona Area Credit Union

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Alpena-Alcona Area Credit Union Rates & Review June 2026

Item: Alpena-Alcona Area Credit Union
Rating: 9746
Author: Jkkl

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: June 3, 2026

Alpena-Alcona Area Credit Union's 25 Month IRA CD rates are at 5.00%, 12 Month rates are at 4.06%, 12 Month Youth rates are at 4.06%, 18 Month rates are at 3.80%, 18 Month Youth rates are at 3.80%. Alpena-Alcona Area Credit Union's savings rates are at 5.12%. Alpena-Alcona Area Credit Union's 15-Year Fixed rates are at 5.75%, 30-Year Fixed rates are at 6.50%, 15-Year Fixed rates are at 6.75%, Vacant Land 15-Year Fixed rates are at 6.75%, 10-Year Fixed rates are at 6.50%. MonitorBankRates evaluates the financial stability of Alpena-Alcona Area Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.64%. Rates were last updated on 06/03/2026.

Alpena-Alcona Area 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 Alpena-Alcona Area Credit Union? Share your experience about Alpena-Alcona Area Credit Union by leaving a review below, or read customer reviews before you decide to use Alpena-Alcona Area Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.64%

Excellent Lower than avg

Alpena-Alcona Area Credit Union
Alpena Office

1100 S Bagley St
Alpena, MI 49707 8104

https://www.aaacu.com

Alpena-Alcona Area Credit Union CD Rates

Product	Rate	APY	Term
25 Month IRA Certificate	4.91%	5.00%	25 Months
Min Deposit $500 Min Balance $500 Last Updated 06/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
12 Month	4.00%	4.06%	12 Months
Min Deposit $500 Min Balance $500 Last Updated 06/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
12 Month Youth	4.00%	4.06%	12 Months
Min Deposit $100 Min Balance $100 Last Updated 06/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
18 Month	3.75%	3.80%	18 Months
Min Deposit $500 Min Balance $500 Last Updated 06/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
18 Month Youth	3.75%	3.80%	18 Months
Min Deposit $100 Min Balance $100 Last Updated 06/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
60 month 5 Year	3.00%	3.03%	60 Months
Min Deposit $500 Min Balance $500 Last Updated 06/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
60 month 5 Year Youth	3.00%	3.03%	60 Months
Min Deposit $100 Min Balance $100 Last Updated 06/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
48 month 4 Year	2.75%	2.78%	48 Months
Min Deposit $500 Min Balance $500 Last Updated 06/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
48 month 4 Year Youth	2.75%	2.78%	48 Months
Min Deposit $100 Min Balance $100 Last Updated 06/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
36 month 3 Year	2.50%	2.52%	36 Months
Min Deposit $500 Min Balance $500 Last Updated 06/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
36 month 3 Year Youth	2.50%	2.52%	36 Months
Min Deposit $100 Min Balance $100 Last Updated 06/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
24 month 2 Year	2.00%	2.02%	24 Months
Min Deposit $500 Min Balance $500 Last Updated 06/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
24 month 2 Year Youth	2.00%	2.02%	24 Months
Min Deposit $100 Min Balance $100 Last Updated 06/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%

Alpena-Alcona Area Credit Union Savings Rates

Product	Rate	APY
Health Savings Account	5.00%	5.12%
Min Balance $0 Last Updated 06/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Christmas Club	0.15%	0.15%
Min Balance $0 Last Updated 06/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Vacation Club	0.15%	0.15%
Min Balance $0 Last Updated 06/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%

Alpena-Alcona Area Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15-Year Fixed	5.75%	-	6.15%	15-Year
Details Rate stated is "as low as" and not all borrowers may qualify. Rate and APR advertised assumes the loan is for an owner-occupied, single family, one-unit purchase transaction with a loan amount of $100,000, at 80% LTV with a FICO Credit Score of 680 or better. The disclosed APR includes origination fees and other finance charges. The APR's disclosed above assume closing costs of $2,600. Your actual closing costs may vary based on your individual transaction. If your down payment is less than 20%, you may be required to obtain Private Mortgage Insurance ("PMI") and to escrow for property taxes and insurance. The payment examples shown above do not include PMI premiums, property tax escrow amounts or other insurance premium amounts, which will increase your monthly payment obligation. Last Updated 06/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
30-Year Fixed	6.50%	-	6.75%	30-Year
Details Rate stated is "as low as" and not all borrowers may qualify. Rate and APR advertised assumes the loan is for an owner-occupied, single family, one-unit purchase transaction with a loan amount of $100,000, at 80% LTV with a FICO Credit Score of 680 or better. The disclosed APR includes origination fees and other finance charges. The APR's disclosed above assume closing costs of $2,600. Your actual closing costs may vary based on your individual transaction. If your down payment is less than 20%, you may be required to obtain Private Mortgage Insurance ("PMI") and to escrow for property taxes and insurance. The payment examples shown above do not include PMI premiums, property tax escrow amounts or other insurance premium amounts, which will increase your monthly payment obligation. Last Updated 06/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
15-Year Fixed	6.75%	-	7.16%	15-Year
Details Vacant Land; Rate stated is "as low as" and not all borrowers may qualify. Rate and APR advertised assumes the loan is for an owner-occupied, single family, one-unit purchase transaction with a loan amount of $100,000, at 80% LTV with a FICO Credit Score of 680 or better. The disclosed APR includes origination fees and other finance charges. The APR's disclosed above assume closing costs of $2,600. Your actual closing costs may vary based on your individual transaction. If your down payment is less than 20%, you may be required to obtain Private Mortgage Insurance ("PMI") and to escrow for property taxes and insurance. The payment examples shown above do not include PMI premiums, property tax escrow amounts or other insurance premium amounts, which will increase your monthly payment obligation. Last Updated 06/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Vacant Land 15-Year Fixed	6.75%	-	7.16%	15-Year
Details Rate stated is "as low as" and not all borrowers may qualify. Rate and APR advertised assumes the loan is for an owner-occupied, single family, one-unit purchase transaction with a loan amount of $100,000, at 80% LTV with a FICO Credit Score of 680 or better. The disclosed APR includes origination fees and other finance charges. The APR's disclosed above assume closing costs of $2,600. Your actual closing costs may vary based on your individual transaction. If your down payment is less than 20%, you may be required to obtain Private Mortgage Insurance ("PMI") and to escrow for property taxes and insurance. The payment examples shown above do not include PMI premiums, property tax escrow amounts or other insurance premium amounts, which will increase your monthly payment obligation. Last Updated 06/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
10-Year Fixed	6.50%	-	7.57%	10-Year
Details Home Equity; HELOC rate based on a 10 year draw with a 10 year repayment period. Minimum floor rate is 4.0% and maximum rate that may be imposed is 15% using the prime rate as an index. Payment example shown includes estimated closing costs of $1950. You may be required to obtain property insurance which will increase your monthly payment obligation. Last Updated 06/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
30-Year Fixed	7.50%	-	7.76%	30-Year
Details Vacant Land; Rate stated is "as low as" and not all borrowers may qualify. Rate and APR advertised assumes the loan is for an owner-occupied, single family, one-unit purchase transaction with a loan amount of $100,000, at 80% LTV with a FICO Credit Score of 680 or better. The disclosed APR includes origination fees and other finance charges. The APR's disclosed above assume closing costs of $2,600. Your actual closing costs may vary based on your individual transaction. If your down payment is less than 20%, you may be required to obtain Private Mortgage Insurance ("PMI") and to escrow for property taxes and insurance. The payment examples shown above do not include PMI premiums, property tax escrow amounts or other insurance premium amounts, which will increase your monthly payment obligation. Last Updated 06/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Vacant Land 30-Year Fixed	7.50%	-	7.76%	30-Year
Details Rate stated is "as low as" and not all borrowers may qualify. Rate and APR advertised assumes the loan is for an owner-occupied, single family, one-unit purchase transaction with a loan amount of $100,000, at 80% LTV with a FICO Credit Score of 680 or better. The disclosed APR includes origination fees and other finance charges. The APR's disclosed above assume closing costs of $2,600. Your actual closing costs may vary based on your individual transaction. If your down payment is less than 20%, you may be required to obtain Private Mortgage Insurance ("PMI") and to escrow for property taxes and insurance. The payment examples shown above do not include PMI premiums, property tax escrow amounts or other insurance premium amounts, which will increase your monthly payment obligation. Last Updated 06/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
30-Year Fixed	7.75%	-	8.02%	30-Year
Details Rural Development; Rate stated is "as low as" and not all borrowers may qualify. Rate and APR advertised assumes the loan is for an owner-occupied, single family, one-unit purchase transaction with a loan amount of $100,000, at 80% LTV with a FICO Credit Score of 680 or better. The disclosed APR includes origination fees and other finance charges. The APR's disclosed above assume closing costs of $2,600. Your actual closing costs may vary based on your individual transaction. If your down payment is less than 20%, you may be required to obtain Private Mortgage Insurance ("PMI") and to escrow for property taxes and insurance. The payment examples shown above do not include PMI premiums, property tax escrow amounts or other insurance premium amounts, which will increase your monthly payment obligation. Last Updated 06/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Rural Development 30-Year Fixed	7.75%	-	8.02%	30-Year
Details Rate stated is "as low as" and not all borrowers may qualify. Rate and APR advertised assumes the loan is for an owner-occupied, single family, one-unit purchase transaction with a loan amount of $100,000, at 80% LTV with a FICO Credit Score of 680 or better. The disclosed APR includes origination fees and other finance charges. The APR's disclosed above assume closing costs of $2,600. Your actual closing costs may vary based on your individual transaction. If your down payment is less than 20%, you may be required to obtain Private Mortgage Insurance ("PMI") and to escrow for property taxes and insurance. The payment examples shown above do not include PMI premiums, property tax escrow amounts or other insurance premium amounts, which will increase your monthly payment obligation. Last Updated 06/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%

Alpena-Alcona Area Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity 10-Year Fixed	6.50%	-	7.57%	10-Year
Details Home Equity advertised rate and APR assumes amount financed is $40,000. Payment example shown includes estimated closing costs of $1950. You may be required to obtain property insurance which will increase your monthly payment obligation. Last Updated 06/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Home Equity HELOC	6.75%	-	7.60%
Details HELOC rate based on a 10 year draw with a 10 year repayment period. Minimum floor rate is 4.0% and maximum rate that may be imposed is 15% using the prime rate as an index. Payment example shown includes estimated closing costs of $1950. You may be required to obtain property insurance which will increase your monthly payment obligation. Last Updated 06/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%

Alpena-Alcona Area Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum	-	10.96%
Details In-house administered credit card program. Last Updated 06/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Student Visa	-	12.96%
Details In-house administered credit card program. Last Updated 06/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Visa Classic	-	12.96%
Details In-house administered credit card program. Last Updated 06/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Alpena-Alcona Area 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 Alpena-Alcona Area 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 Alpena-Alcona Area Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Alpena-Alcona Area Credit Union

Website https://www.aaacu.com

Address 1100 S Bagley St, Alpena, MI 49707 8104

Phone 989-356-3577

Fax 989-354-5551

President Charles Negro

CEO Donald Mills

Full-Time Employees 131

Part-Time Employees 15

Branch Locations 13

ATM Locations 10

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.64%

Return on Assets (ROA)

1.1750%

Return on Equity (ROE)

9.8330%

Non-Performing Loans Ratio (NPL)

0.73%

Total Assets

918,804,314

Total Amount of Shares and Deposits

800,927,496

Total Shares and Deposits < 1 Year

792,333,521

Total Shares and Deposits 1 3 Years

5,473,456

Total Shares and Deposits > 3 Years

3,120,519

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

100,995,537

Total Uninsured Shares and Deposits > $250K (F+J)

100,995,537

Total Insured Shares and Deposits > $250K (item 17 less item K)

699,931,959

Total Interest Expense (Sum of items 6 8)

11,724,270

Share Certificates

11,520

Number of Accounts for Share Drafts

33,150

IRA KEOGH Accounts

2,186

Number of Accounts for Regular Shares

62,966

All other shares

2,539

Money Market Shares

7,698

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

136,435,316

Total Liabilities

809,350,851

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

Jkkl

★★★★★

December 17, 2025

cCxu

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Frequently Asked Questions About Alpena-Alcona Area Credit Union

How many branches does Alpena-Alcona Area Credit Union operate?

Alpena-Alcona Area 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 Alpena-Alcona Area Credit Union?

Yes, to access services at Alpena-Alcona Area 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, Alpena-Alcona Area 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, Alpena-Alcona Area Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Alpena-Alcona Area Credit Union offer online and mobile banking?

Most modern institutions like Alpena-Alcona Area 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.aaacu.com.