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Alpena-Alcona Area Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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| iEditorial Disclosure
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 7, 2026

Alpena-Alcona Area Credit Union's top rates as of October 7, 2026 are 4.50% APY on its 25-Month IRA CD, 5.12% APY on savings, 2.02% APY on money market accounts, personal loans from 9.20% APR, and credit cards from 10.96% APR, according to rates verified by MonitorBankRates. Other Alpena-Alcona Area Credit Union CD rates include 12 Month CD at 4.06%, 12 Month Youth at 4.06%, and 18 Month CD at 3.80%. 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 10/07/2026.

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.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
4.22%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Alpena-Alcona Area Credit Union
Alpena Office
1100 S Bagley St
Alpena, MI 49707-8104
https://www.aaacu.com
Member NCUA
Customer Reviews
Be the first to review
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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

Product Rate APY Term View More
25-Month IRA Certificate 4.425% 4.50% 25 Months
Min Deposit $500
Min Balance $500
Details Maximum deposit of $250,000.
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 6 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
12 Month Certificate 4.00% 4.06% 12 Months
Min Deposit $500
Min Balance $500
Details Interest Period Compounded & Credited: Quarterly
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 4.06% APY · checked 6 times
3.56%4.06%4.56%Sep 18, 2026: 4.06% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
12 Month Youth 4.00% 4.06% 12 Months
Min Deposit $100
Min Balance $100
Details Interest Period Compounded & Credited: Quarterly
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 4.06% APY · checked 6 times
3.56%4.06%4.56%Sep 18, 2026: 4.06% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
18 Month Certificate 3.75% 3.80% 18 Months
Min Deposit $500
Min Balance $500
Details Interest Period Compounded & Credited: Quarterly
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
18 Month Youth 3.75% 3.80% 18 Months
Min Deposit $100
Min Balance $100
Details Interest Period Compounded & Credited: Quarterly
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
180 Day Certificate 3.75% 3.80% 180 Days
Min Deposit $500
Min Balance $500
Details Interest Period Compounded & Credited: Quarterly
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
90 Day Certificate 3.25% 3.29% 90 Days
Min Deposit $500
Min Balance $500
Details Interest Period Compounded & Credited: Quarterly
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 3.29% APY · checked 6 times
2.79%3.29%3.79%Sep 18, 2026: 3.29% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
60 month 5 Year Certificate 3.00% 3.03% 60 Months
Min Deposit $500
Min Balance $500
Details Interest Period Compounded & Credited: Quarterly
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 3.03% APY · checked 6 times
2.53%3.03%3.53%Sep 18, 2026: 3.03% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
60 month 5 Year Youth 3.00% 3.03% 60 Months
Min Deposit $100
Min Balance $100
Details Interest Period Compounded & Credited: Quarterly
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 3.03% APY · checked 6 times
2.53%3.03%3.53%Sep 18, 2026: 3.03% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
48 month 4 Year Certificate 2.75% 2.78% 48 Months
Min Deposit $500
Min Balance $500
Details Interest Period Compounded & Credited: Quarterly
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 2.78% APY · checked 6 times
2.28%2.78%3.28%Sep 18, 2026: 2.78% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
48 month 4 Year Youth 2.75% 2.78% 48 Months
Min Deposit $100
Min Balance $100
Details Interest Period Compounded & Credited: Quarterly
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 2.78% APY · checked 6 times
2.28%2.78%3.28%Sep 18, 2026: 2.78% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
36 month 3 Year Certificate 2.50% 2.52% 36 Months
Min Deposit $500
Min Balance $500
Details Interest Period Compounded & Credited: Quarterly
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 2.52% APY · checked 6 times
2.02%2.52%3.02%Sep 18, 2026: 2.52% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
36 month 3 Year Youth 2.50% 2.52% 36 Months
Min Deposit $100
Min Balance $100
Details Interest Period Compounded & Credited: Quarterly
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 2.52% APY · checked 6 times
2.02%2.52%3.02%Sep 18, 2026: 2.52% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
24 month 2 Year Certificate 2.00% 2.02% 24 Months
Min Deposit $500
Min Balance $500
Details Interest Period Compounded & Credited: Quarterly
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 2.02% APY · checked 6 times
1.52%2.02%2.52%Sep 18, 2026: 2.02% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
24 month 2 Year Youth 2.00% 2.02% 24 Months
Min Deposit $100
Min Balance $100
Details Interest Period Compounded & Credited: Quarterly
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 2.02% APY · checked 6 times
1.52%2.02%2.52%Sep 18, 2026: 2.02% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%

Alpena-Alcona Area Credit Union Savings Rates

Product Rate APY View More
Health Savings Account 5.00% 5.12%
Min Deposit $0
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 5.12% APY · checked 2 times
4.62%5.12%5.62%Oct 7, 2026: 5.12% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
Christmas Club 0.15% 0.15%
Min Deposit $0
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 7, 2026: 0.15% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
Vacation Club 0.15% 0.15%
Min Deposit $0
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 7, 2026: 0.15% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%

Alpena-Alcona Area Credit Union Money Market Rates

Product Rate APY View More
Money Market 2.00% 2.02%
Min Balance $100,000
Details Balance: $100,000.00 and over
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 2.02% APY · checked 6 times
1.52%2.02%2.52%Sep 18, 2026: 2.02% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
Money Market 1.85% 1.87%
Min Balance $2,000
Details Balance: $2,000.00 - $99,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 1.87% APY · checked 6 times
1.37%1.87%2.37%Sep 18, 2026: 1.87% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%

Alpena-Alcona Area Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Auto 4.25% - 4.251% up to 54 months
Details As Low As; Rate and APR advertised assumes a FICO Credit Score of 680 or better and a loan amount example of $35,000 based on the maximum term noted.
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 4.25% APR · checked 7 times
3.75%4.25%4.75%Sep 15, 2026: 4.25% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
New Auto 4.25% - 4.251% up to 66 months
Details As Low As; Rate and APR advertised assumes a FICO Credit Score of 680 or better and a loan amount example of $35,000 based on the maximum term noted.
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 4.25% APR · checked 7 times
3.75%4.25%4.75%Sep 15, 2026: 4.25% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
New Auto 4.25% - 4.251% up to 78 months
Details As Low As; Rate and APR advertised assumes a FICO Credit Score of 680 or better and a loan amount example of $35,000 based on the maximum term noted.
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 4.25% APR · checked 7 times
3.75%4.25%4.75%Sep 15, 2026: 4.25% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
Used Auto 4.75% - 4.751% 72-78 months
Details As Low As; Rate and APR advertised assumes a FICO Credit Score of 680 or better and a loan amount example of $35,000 based on the maximum term noted.
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 4.75% APR · checked 7 times
4.25%4.75%5.25%Sep 15, 2026: 4.75% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%

Alpena-Alcona Area Credit Union Credit Card Rates

Product Rate APR View More
Visa Platinum - 10.96%
Details In-house administered credit card program.
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 10.96% APR · checked 7 times
10.46%10.96%11.46%Sep 15, 2026: 10.96% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
Student Visa - 12.96%
Details In-house administered credit card program.
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 12.96% APR · checked 7 times
12.46%12.96%13.46%Sep 15, 2026: 12.96% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
Visa Classic - 12.96%
Details In-house administered credit card program.
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 12.96% APR · checked 7 times
12.46%12.96%13.46%Sep 15, 2026: 12.96% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%

Alpena-Alcona Area Credit Union Personal Loan Rates

Product APR Term View More
Debt Consolidation Loan 9.202% up to 54 months
Details As Low As; Rate and APR advertised assumes a FICO Credit Score of 680 or better and an example My $ Loan amount financed of $5,000.
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 9.20% APR · checked 7 times
8.70%9.20%9.70%Sep 15, 2026: 9.20% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
Signature Loan 9.202% up to 54 months
Details As Low As; Rate and APR advertised assumes a FICO Credit Score of 680 or better and an example My $ Loan amount financed of $5,000.
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 9.20% APR · checked 7 times
8.70%9.20%9.70%Sep 15, 2026: 9.20% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%

Alpena-Alcona Area Credit Union Other Rates

Product Rate Points APY/APR Term View More
180 Day Youth 3.75% - 3.80% 180 Days
Min Deposit $100
Min Balance $100
Details Interest Period Compounded & Credited: Quarterly
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
90 Day Youth 3.25% - 3.29% 90 Days
Min Deposit $100
Min Balance $100
Details Interest Period Compounded & Credited: Quarterly
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 3.29% APY · checked 6 times
2.79%3.29%3.79%Sep 18, 2026: 3.29% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
Educational IRA 1.50% - 1.51%
Min Deposit $0
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 1.51% APY · checked 2 times
1.01%1.51%2.01%Oct 7, 2026: 1.51% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
Preferred Share 0.20% - 0.20%
Min Deposit $0
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Oct 7, 2026: 0.20% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
Regular Share 0.15% - 0.15%
Min Deposit $5
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 7, 2026: 0.15% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
Save to Win 0.50% - 0.50% 12 Months
Min Deposit $25
Min Balance $25
Details Interest Period Compounded & Credited: Quarterly. Click here for Save to Win disclosures and rules.
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.22%
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.
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Financial Health History

Alpena-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.

0% 1.0★ 1.5% 2.0★ 2.9% 3.0★ 4.4% 4.0★ 5.8% 5.0★ Healthy zone – entire history below the 15% limit 4.33% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 4.22% A+ Q2 2026
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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$976M4.22%5.0A+
March 31, 2026$958M2.98%5.0A+
December 31, 2025$931M3.95%5.0A+
September 30, 2025$919M3.64%5.0A+
June 30, 2025$903M3.19%5.0A+
March 31, 2025$882M2.42%5.0A+
December 31, 2024$861M3.54%5.0A+
September 30, 2024$842M3.50%5.0A+
June 30, 2024$822M3.54%5.0A+
March 31, 2024$801M3.00%5.0A+
December 31, 2023$775M3.64%5.0A+
September 30, 2023$760M4.33%5.0A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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 133
Part-Time Employees 25
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
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
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Alpena-Alcona Area Credit Union earned the Verified Healthy badge

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Customer Reviews

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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.

Current Alpena-Alcona Area Credit Union Rates

  • 12-Month CD4.06%
  • 18-Month CD3.80%
  • 24-Month CD2.02%
  • 60-Month CD3.03%
  • Savings5.12%
  • MMA2.02%
Retrieved from our database of financial products. Rates subject to change.

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