Alpena-Alcona Area Credit Union Rates and Review February 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.
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Alpena-Alcona Area Credit Union's savings rates are at 1.87%. Alpena-Alcona Area Credit Union's 15-Year Fixed Mortgage rates are at 5.88%, 30-Year Fixed Mortgage rates are at 6.25%, 15-Year Fixed Vacant Land rates are at 6.88%, 30-Year Fixed Mortgage rates are at 7.25%, 30-Year Fixed Mortgage rates are at 7.50%.
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 by leaving a review below, or read customer reviews before you decide to use . Alpena-Alcona Area Credit Union Texas RatioAlpena-Alcona Area Credit Union's Texas Ratio is at 3.81%, which is considered excellent. The Texas Ratio for Alpena-Alcona Area Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Alpena-Alcona Area Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Alpena-Alcona Area Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Alpena-Alcona Area Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable.
Alpena-Alcona Area Credit Union
Alpena Office 1100 S Bagley St
Alpena, MI 49707 8104 
Alpena-Alcona Area Credit Union Savings Rates
Alpena-Alcona Area Credit Union Mortgage Rates
Alpena-Alcona Area Credit Union Home Equity & HELOC
Alpena-Alcona Area Credit Union Credit Card Rates
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 & OverviewCredit Union Name: Alpena-Alcona Area Credit Union
Website: https://www.aaacu.com
Full Time Employees: 131Part Time Employees: 15 President: Charles Negro CEO: Donald Mills Branch Locations: 13 ATM Locations: 10 Corporate Office Address:
1100 S Bagley St
Alpena, MI 49707 8104 Phone Number: 989-356-3577 Fax Number: 989-354-5551 FinancialsTotal 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
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Source: NCUA Last Updated 09/30/2025
Customer ReviewsJkkl
December 17, 2025
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Frequently Asked Questions About Alpena-Alcona Area Credit UnionIs 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. Is there a first-time homebuyer program?Currently, Alpena-Alcona Area Credit Union provides a range of mortgage and home equity products. Is Alpena-Alcona Area Credit Union a safe place to deposit money?Yes, Alpena-Alcona Area Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Alpena-Alcona Area Credit Union offer online and mobile banking?Most modern institutions like Alpena-Alcona Area Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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