|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Alpena-Alcona Area Credit Union Rates & Review November 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.
Read Full Bio →
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: October 31, 2026
Alpena-Alcona Area Credit Union's 12 Month CD rates are at 4.06%, 18 Month CD rates are at 3.80%, 60 month 5 Year CD rates are at 3.03%, 48 month 4 Year CD rates are at 2.78%, 36 month 3 Year CD rates are at 2.52%. Alpena-Alcona Area Credit Union's savings rates are at 5.12%. Alpena-Alcona Area Credit Union's money market rates are at 2.02%. Alpena-Alcona Area Credit Union's Personal Loan Rates are as low as 9.20%. Alpena-Alcona Area Credit Union's Credit Card Rates are at 10.96%. Alpena-Alcona Area Credit Union's CD rates are 4% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 4.22%. Rates last updated and verified on 10/31/2026. 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. Alpena-Alcona Area Credit Union
Alpena Office 1100 S Bagley St
https://www.aaacu.com Alpena, MI 49707-8104  Customer Reviews
Be the first to review
Write a Review
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Alpena-Alcona Area Credit Union CD Rates
Alpena-Alcona Area Credit Union Savings Rates
Alpena-Alcona Area Credit Union Money Market Rates
Alpena-Alcona Area Credit Union Checking Rates
Alpena-Alcona Area Credit Union Home Equity & HELOC
Alpena-Alcona Area Credit Union Auto Loan Rates
Alpena-Alcona Area Credit Union Credit Card Rates
Alpena-Alcona Area Credit Union Personal Loan Rates
Alpena-Alcona Area Credit Union Other Rates
Financial Health HistoryAlpena-Alcona Area Credit Union’s Texas Ratio stayed near 4.33% in Q3 2023 to 4.22% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade
Powered by
MonitorBankRates
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 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
133
Part-Time Employees
25
Branch Locations
13
ATM Locations
10
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.22%
Return on Assets (ROA)
0.6965%
Return on Equity (ROE)
5.7184%
Non-Performing Loans Ratio (NPL)
0.85%
Total Assets
975,702,928
Total Amount of Shares and Deposits
848,490,668
Total Shares and Deposits < 1 Year
830,324,770
Total Shares and Deposits 1 3 Years
16,124,127
Total Shares and Deposits > 3 Years
2,041,771
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
95,669,059
Total Uninsured Shares and Deposits > $250K (F+J)
95,669,059
Total Insured Shares and Deposits > $250K (item 17 less item K)
752,821,609
Total Interest Expense (Sum of items 6 8)
8,246,477
Share Certificates
12,092
Number of Accounts for Share Drafts
34,818
IRA KEOGH Accounts
2,331
Number of Accounts for Regular Shares
64,515
All other shares
2,761
Money Market Shares
8,390
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)
143,324,022
Total Liabilities
856,933,705
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Alpena-Alcona Area Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Alpena-Alcona Area Credit Union
Frequently Asked Questions About Alpena-Alcona Area Credit UnionDoes Alpena-Alcona Area Credit Union offer CDs?Yes. Alpena-Alcona Area Credit Union current CD rates include its 12 Month CD at 4.06% APY, its 18 Month CD at 3.80% APY and its 60 month 5 Year CD at 3.03% APY, verified by MonitorBankRates as of October 31, 2026. Are CDs from Alpena-Alcona Area Credit Union NCUA insured?Yes. Alpena-Alcona Area Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Alpena-Alcona Area Credit Union?The highest Alpena-Alcona Area Credit Union CD rate is its 25 Month IRA CD at 4.50% APY, verified by MonitorBankRates as of October 31, 2026. What CD terms does Alpena-Alcona Area Credit Union offer?Alpena-Alcona Area Credit Union CD rates are 4.06% APY for a 12 month CD, 3.80% APY for an 18 month CD, 2.02% APY for a 2 year CD, 2.52% APY for a 3 year CD, 2.78% APY for a 4 year CD and 3.03% APY for a 5 year CD, verified by MonitorBankRates as of October 31, 2026. The institution may offer other terms or specials that are not listed here, so check with Alpena-Alcona Area Credit Union for its full lineup. What is the highest savings rate at Alpena-Alcona Area Credit Union?The highest Alpena-Alcona Area Credit Union savings rate is its Health Savings Account at 5.12% APY, verified by MonitorBankRates as of October 31, 2026. What is the highest money market rate at Alpena-Alcona Area Credit Union?The highest Alpena-Alcona Area Credit Union money market rate is its Money Market at 2.02% APY, verified by MonitorBankRates as of October 31, 2026. What is the lowest auto loan rate at Alpena-Alcona Area Credit Union?The lowest Alpena-Alcona Area Credit Union auto loan rate is its New Auto (54 month term) at 4.50%, verified by MonitorBankRates as of October 31, 2026. Alpena-Alcona Area Credit Union auto loan rates are 4.50% for a 54 month auto loan, 4.50% for a 66 month auto loan and 4.50% for a 78 month auto loan. What is the lowest personal loan rate at Alpena-Alcona Area Credit Union?The lowest Alpena-Alcona Area Credit Union personal loan rate is its Signature Loan at 9.20%, verified by MonitorBankRates as of October 31, 2026. What is the lowest credit card APR at Alpena-Alcona Area Credit Union?The lowest Alpena-Alcona Area Credit Union credit card APR is its Visa Platinum Credit Card at 10.96% APR, verified by MonitorBankRates as of October 31, 2026. 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. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Alpena-Alcona Area Credit Union rates compare?Alpena-Alcona Area Credit Union's CD rates are 4% higher than the MonitorBankRates national average, and it has an A+ health rating. Alpena-Alcona Area Credit Union's top rates are its 25 Month IRA CD at 4.50% APY, its Health Savings Account at 5.12% APY, its Money Market at 2.02% APY, its Debt Consolidation Loan at 9.202% APR and its Visa Platinum Credit Card at 10.96% APR, verified by MonitorBankRates on October 31, 2026. Current Alpena-Alcona Area Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Capital Educators Credit Union
Allentown Federal Credit Union
Sound Credit Union
Utah Heritage Credit Union
Gateway Credit Union
Peninsula Federal Credit Union
Stanwood Area Federal Credit Union
Ignite Credit Union
Port of Houston Credit Union
Windthorst Federal Credit Union
Minnco Credit Union
Highway Federal Credit Union
Hawaii Schools Federal Credit Union
Treadwell Credit Union
Library Of Congress Federal Credit Union
Uintah Credit Union
SERVU Federal Credit Union
Sing Sing Employees Federal Credit Union
New Brunswick Postal Federal Credit Union
Saint Lawrence Credit Union
Expree Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
