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iAdvertiser Disclosure
Advertiser Disclosure
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 American 1 Credit Union Rates & Review October 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 9, 2026
American 1 Credit Union's top rates as of October 9, 2026 are 3.51% APY on its 2 Year IRA CD, 0.10% APY on savings, 0.50% APY on money market accounts, 0.25% APY on checking, personal loans from 10.00% APR, and credit cards from 10.00% APR, according to rates verified by MonitorBankRates. Other American 1 Credit Union CD rates include 18 Month CD at 3.50%, 2 Year CD at 3.50%, and 1 Year IRA CD at 3.45%. 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 7.81%. Rates last updated and verified on 10/09/2026. 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. 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. 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 Home Equity & HELOC
American 1 Credit Union Auto Loan Rates
American 1 Credit Union RV, Boat and Powersport Loan Rates
American 1 Credit Union Credit Card Rates
American 1 Credit Union Personal Loan Rates
American 1 Credit Union Other Rates
Financial Health HistoryAmerican 1 Credit Union’s Texas Ratio stayed near 7.39% in Q3 2023 to 7.81% in Q2 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 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
Francis Weathers
CEO
Martha Fuerstenau
Full-Time Employees
257
Part-Time Employees
4
Branch Locations
18
ATM Locations
17
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.81%
Return on Assets (ROA)
0.2632%
Return on Equity (ROE)
1.6889%
Non-Performing Loans Ratio (NPL)
2.07%
Total Assets
661,295,464
Total Amount of Shares and Deposits
543,282,243
Total Shares and Deposits < 1 Year
449,787,675
Total Shares and Deposits 1 3 Years
82,651,218
Total Shares and Deposits > 3 Years
10,843,350
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
25,055,604
Total Uninsured Shares and Deposits > $250K (F+J)
35,589,701
Total Insured Shares and Deposits > $250K (item 17 less item K)
507,692,542
Total Interest Expense (Sum of items 6 8)
3,950,407
Share Certificates
2,581
Number of Accounts for Share Drafts
54,706
IRA KEOGH Accounts
927
Number of Accounts for Regular Shares
86,812
All other shares
496
Non Member Deposits
226
Money Market Shares
1,471
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)
151,138,590
Total Liabilities
558,248,580
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for American 1 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 American 1 Credit Union
Frequently Asked Questions About American 1 Credit UnionHow 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.
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