|
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.
 American 1 Credit Union Rates & Review April 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: March 25, 2026
American 1 Credit Union's CDs 18 month rates are at 3.50%, CDs 2 Year rates are at 3.50%, CDs 3 Year rates are at 3.45%, CDs 4 Year rates are at 3.40%, CDs 1 Year rates are at 3.35%. American 1 Credit Union's savings rates are at 0.10%. American 1 Credit Union's money market rates are at 0.50%. American 1 Credit Union's Personal Loan Rates are at 10.00%. MonitorBankRates evaluates the financial stability of American 1 Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.10%. Rates were last updated on 03/25/2026. American 1 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 American 1 Credit Union? Share your experience about American 1 Credit Union by leaving a review below, or read customer reviews before you decide to use American 1 Credit Union. 
American 1 Credit Union CD Rates
American 1 Credit Union Savings Rates
American 1 Credit Union Money Market Rates
American 1 Credit Union Checking Rates
American 1 Credit Union Mortgage Rates
American 1 Credit Union Home Equity & HELOC
American 1 Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for American 1 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 American 1 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 American 1 Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
American 1 Credit Union
Website
https://www.american1cu.org
Address
718 E Michigan Ave,
Jackson, MI 49201
Phone
517-787-6510
Fax
President
Philip Hoffman
CEO
Martha Fuerstenau
Full-Time Employees
286
Part-Time Employees
4
Branch Locations
18
ATM Locations
21
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (94/100)
Texas Ratio
11.10%
Return on Assets (ROA)
0.1978%
Return on Equity (ROE)
1.2682%
Non-Performing Loans Ratio (NPL)
2.37%
Total Assets
649,692,585
Total Amount of Shares and Deposits
535,532,593
Total Shares and Deposits < 1 Year
442,649,810
Total Shares and Deposits 1 3 Years
71,481,647
Total Shares and Deposits > 3 Years
21,401,136
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
27,638,909
Total Uninsured Shares and Deposits > $250K (F+J)
34,168,134
Total Insured Shares and Deposits > $250K (item 17 less item K)
501,364,459
Total Interest Expense (Sum of items 6 8)
7,243,606
Share Certificates
2,675
Number of Accounts for Share Drafts
54,011
IRA KEOGH Accounts
955
Number of Accounts for Regular Shares
86,307
All other shares
478
Non Member Deposits
253
Money Market Shares
1,585
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
121,638,087
Total Liabilities
550,777,697
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About American 1 Credit UnionIs American 1 Credit Union a safe place to deposit money?Yes, American 1 Credit Union is considered a safe financial institution. With a Texas Ratio of 11.102077045776%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does American 1 Credit Union operate?American 1 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 American 1 Credit Union?Yes, to access services at American 1 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, American 1 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, American 1 Credit Union provides members with tools to manage their accounts and build a solid financial history. Does American 1 Credit Union offer online and mobile banking?Most modern institutions like American 1 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.american1cu.org. Current American 1 Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Norfolk Fire Department Federal Credit Union
Dubuque Postal Employees Credit Union
Greater Centennial Federal Credit Union
Palisades Federal Credit Union
Planters Federal Credit Union
La Terre Federal Credit Union
Sisseton Wahpeton Federal Credit Union
Mountain River Credit Union
Assumption Beaumont Federal Credit Union
Mobility Credit Union
Fall River Municipal Credit Union
Ocnac 1 Federal Credit Union
PAMCEL COMMUNITY
Fidelis Federal Credit Union
Webster First Federal Credit Union
MIAMI FIREFIGHTERS
Decatur Earthmover Credit Union
WyHy Federal Credit Union
Kansas Teachers Community Credit Union
ZIA Credit Union
NEW CASTLE BELLCO
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
