Alpena-Alcona Area Credit Union CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Alpena-Alcona Area Credit Union's 12-Month CD rates are at 4.06%, 18-Month CD rates are at 3.80%, 60-Month CD rates are at 3.03%, 48-Month CD rates are at 2.78%, 36-Month 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 1.87%. Alpena-Alcona Area Credit Union's 30-Year Fixed rates are at 7.00%, 15-Year Fixed rates are at 6.50%.

Alpena-Alcona Area Credit Union

Compare Alpena-Alcona Area Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Alpena-Alcona Area Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates.

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 CD rates or 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.

Overall, Alpena-Alcona Area Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
4.06%
18-Month CD
3.80%
24-Month CD
2.02%
36-Month CD
2.52%
48-Month CD
2.78%
60-Month CD
3.03%
Savings
5.12%
MMA
1.87%
30-Year Fixed
7.26%
Credit Card
N/A
Personal Loan
N/A
Alpena-Alcona Area Credit Union
Alpena Office
1100 S Bagley St
Alpena, MI 49707 8104
Member NCUA
MonitorBankRates' Rating
5/5
★★★★★

Compare Alpena-Alcona Area Credit Union Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Alpena-Alcona Area Credit Union
Alpena-Alcona Area Credit Union
Health Savings
5.12%
$0
Presidential Bank
Presidential Bank
Advantage Checking
4.62%
$500
The Citizens Bank of Weston
The Citizens Bank of Weston
12-Month CD
4.20%
$500
Alpena-Alcona Area Credit Union
Alpena-Alcona Area Credit Union
12-Month CD
4.06%
$500
Ixonia Bank
Ixonia Bank
6-Month CD
3.90%
$1,000
Truliant Federal Credit Union
Truliant Federal Credit Union
High Yield Rewards Savings
3.80%
$5
Alpena-Alcona Area Credit Union
Alpena-Alcona Area Credit Union
18-Month CD
3.80%
$500
Golden Belt Bank, FSA
Golden Belt Bank, FSA
36-Month CD
3.75%
$1,000
Community Commerce Bank
Community Commerce Bank
60-Month CD
3.56%
$10,000
1st Advantage Bank
1st Advantage Bank
36-Month CD
3.51%
$500
Everence Trust Company
Everence Trust Company
48-Month CD
3.30%
$500
Generations Bank
Generations Bank
24-Month CD
3.25%
$500
First Resource Bank Exton, PA
First Resource Bank Exton, PA
60-Month CD
3.25%
$500
JVB Juniata Valley Bank
JVB Juniata Valley Bank
3-Month CD
3.24%
$1,000
Farmers National Bank
Farmers National Bank
60-Month CD
3.15%
$1,000
First National Bank of Orwell
First National Bank of Orwell
24-Month CD
3.04%
$500
Alpena-Alcona Area Credit Union
Alpena-Alcona Area Credit Union
60-Month CD
3.03%
$500
Teachers Federal Credit Union
Teachers Federal Credit Union
36-Month CD
3.00%
$500
Kearny Bank
Kearny Bank
60-Month CD
3.00%
$500
Alpena-Alcona Area Credit Union
Alpena-Alcona Area Credit Union
48-Month CD
2.78%
$500
Old Dominion National Bank
Old Dominion National Bank
Prime Personal Money Market
2.76%
$10,000
Alpena-Alcona Area Credit Union
Alpena-Alcona Area Credit Union
36-Month CD
2.52%
$500
Chain Bridge Bank
Chain Bridge Bank
36-Month CD
2.34%
$500
Eureka Savings Bank
Eureka Savings Bank
60-Month CD
2.28%
$1,000
FSB of Burnet
FSB of Burnet
24-Month CD
2.27%
$1,000
Alpena-Alcona Area Credit Union
Alpena-Alcona Area Credit Union
24-Month CD
2.02%
$500
Phelps County Bank
Phelps County Bank
Ultimate Checking
2.02%
$0
First Harvest Federal Credit Union
First Harvest Federal Credit Union
60-Month CD
2.00%
$1,000
Alpena-Alcona Area Credit Union
Alpena-Alcona Area Credit Union
Money Market
1.87%
$2,000
Northwest B&T Co.
Northwest B&T Co.
48-Month CD
1.75%
$1,000
Hilltop National Bank
Hilltop National Bank
18-Month CD
1.61%
$1,000
Forte Bank
Forte Bank
36-Month CD
1.46%
$1,000
CNB St Louis Bank
CNB St Louis Bank
60-Month CD
1.26%
$500
Tinker Federal Credit Union
Tinker Federal Credit Union
Premium Plus Savings
1.00%
$10,000
Cayuga Lake National Bank
Cayuga Lake National Bank
12-Month CD
0.95%
$500
FNB of Hereford
FNB of Hereford
NOW Checking
0.70%
$1,000
Citizens State Bank Cadott, WI
Citizens State Bank Cadott, WI
60-Month CD
0.60%
$1,000
Bank of Botetourt
Bank of Botetourt
18-Month CD
0.55%
$500
FCN Bank, N.A.
FCN Bank, N.A.
48-Month CD
0.55%
$1,000
Federation Bank
Federation Bank
12-Month CD
0.55%
$500
FCNB of St. Paris
Statement Savings
0.45%
$50
First Federal S&L of Lakewood
First Federal S&L of Lakewood
Select Money Market
0.35%
$10,000
G. W. Jones Exchange Bank
G. W. Jones Exchange Bank
Interest-Earning Checking
0.30%
$500
American Savings Bank, FSB
American Savings Bank, FSB
36-Month CD
0.30%
$1,000
Winter Hill Bank
Winter Hill Bank
12-Month CD
0.25%
$500
First Southern Bank
First Southern Bank
Premier Money Market
0.25%
$2,500
FirstOak Bank
FirstOak Bank
Money Market
0.25%
$100,000
Global Bank
Global Bank
Savings
0.20%
$1
Westmoreland Federal S&L
Westmoreland Federal S&L
Money Market
0.15%
$1,000
First Citizens Bank
First Citizens Bank
60-Month CD
0.15%
$500
Cape Cod Five Cents Savings Bank
Cape Cod Five Cents Savings Bank
60-Month CD
0.13%
$1,000
SSB Sherwood State Bank
SSB Sherwood State Bank
12-Month CD
0.10%
$1,000
Sound Community Bank
Sound Community Bank
Regular Savings
0.10%
$100
Kearny Bank
Kearny Bank
Advantage Money Market
0.05%
$0
Firstrust Savings Bank
Firstrust Savings Bank
Basic Savings
0.05%
$0
Lusitania Savings Bank
Lusitania Savings Bank
Savings
0.01%
$100
Brenham National Bank
Brenham National Bank
Success Savings
0.01%
$0
First State Bank (MI)
First State Bank (MI)
Statement Savings
0.01%
$0
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare Alpena-Alcona Area Credit Union Mortgage Rates with Lenders Rates for Fixed and Adjustable Mortgages

Lender
Product
Rate
APR
Points
State Employees Credit Union
State Employees Credit Union
15-Year Fixed
5.500%
5.654%
0.000
Wells Fargo
Wells Fargo
15-Year Fixed
5.500%
5.724%
1.000
Navy Federal Credit Union
Navy Federal Credit Union
15-Year Fixed Jumbo
5.500%
5.733%
0.500
Addition Financial Credit Union
Addition Financial Credit Union
10-Year Fixed
5.500%
5.756%
0.000
PNB of Kewanee
PNB of Kewanee
15-Year Fixed
5.500%
5.785%
0.000
American Eagle Financial Credit Union
American Eagle Financial Credit Union
15-Year Fixed
5.625%
5.797%
0.000
American Bank, N.A. Le Mars, IA
American Bank, N.A. Le Mars, IA
15-Year Fixed
5.750%
5.836%
0.500
Altoona First Savings Bank
Altoona First Savings Bank
20-Year Fixed
5.850%
5.891%
0.000
Marathon Bank
Marathon Bank
15-Year Fixed
5.750%
5.923%
0.000
Lakewood Credit Union
Lakewood Credit Union
10 Year Fixed
5.800%
5.930%
0.000
Sheboygan Area Credit Union
Sheboygan Area Credit Union
15-Year Fixed
5.950%
6.012%
0.000
First Citizens Federal Credit Union
First Citizens Federal Credit Union
20 Year Fixed
6.000%
6.090%
0.000
GreenLeaf Bank
GreenLeaf Bank
15-Year Fixed
6.125%
6.144%
0.000
Centreville Bank
Centreville Bank
15-Year Fixed Jumbo
6.125%
6.163%
0.000
First Security B&T Co. IA
First Security B&T Co. IA
20-Year Fixed
6.000%
6.164%
0.000
WVS West View SB
WVS West View SB
10-Year Fixed
5.790%
6.194%
0.000
Missouri Credit Union
Missouri Credit Union
15 Year Fixed
6.125%
6.209%
0.000
San Mateo Credit Union
San Mateo Credit Union
5/5 ARM
6.000%
6.244%
0.000
People First Federal Credit Union
People First Federal Credit Union
15-Year Fixed
5.875%
6.272%
0.000
Vystar Credit Union
Vystar Credit Union
5/5 ARM
5.625%
6.282%
0.000
Service Federal Credit Union
Service Federal Credit Union
5/1 ARM
5.375%
6.286%
0.000
FCN Bank, N.A.
FCN Bank, N.A.
15-Year Fixed
6.125%
6.304%
0.000
1st United Credit Union
1st United Credit Union
15-Year Fixed Jumbo
6.250%
6.306%
0.000
Holyoke Credit Union
Holyoke Credit Union
10/1 ARM
6.000%
6.329%
0.000
American Eagle Financial Credit Union
American Eagle Financial Credit Union
5/5 ARM
5.125%
6.334%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Compare Alpena-Alcona Area Credit Union Credit Cards with Other Competitive Bank and Credit Union Credit Cards

Institution
Product
APR
Notes
Hughes Federal Credit Union
Hughes Federal Credit Union
Visa Platinum Credit Card
9.500% - 12.500%
Mountain America Federal Credit Union
Mountain America Federal Credit Union
Cash Back Credit Card
17.740%
Automatically get 1.5% cash back on all purchases with no fuss
ACFCU
ACFCU
Reserve Rewards+ Card Visa
19.740% - 29.740%
Enjoy premium rewards and benefits, plus receive a $500 bonus.
Suncoast Credit Union
Suncoast Credit Union
Rewards Platinum VISA
12.500%
Credit Limit - $500 - $50,000
1st Cooperative Federal Credit Union
1st Cooperative Federal Credit Union
Visa Platinum Credit Card
8.500%
As low as 8.50%
Achieve Credit Union
Achieve Credit Union
Visa Platinum Credit Card
8.900%
No annual fee. No balance transfer fee. No cash advance fee.
Abri Credit Union
Abri Credit Union
Platinum Visa
12.400% - 21.400%
The right choice if you carry a monthly balance & want to pay the lowest rate.
AAC Credit Union
AAC Credit Union
Visa Platinum
7.990%
Line of credit up to $20,000. $250,000 travel life insurance
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Visa Platinum Preferred
14.240% - 17.990%
1st Valley Credit Union
1st Valley Credit Union
Platinum Secured Visa
8.750%
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Visa Platinum Clarity
15.990%
Academic Federal Credit Union
Academic Federal Credit Union
Academic VISA® Gold
15.400%
Academic Federal Credit Union
Academic Federal Credit Union
Academic VISA® Platinum
10.900%
ACFCU
ACFCU
Travel Rewards+ Card Visa
19.740% - 29.740%
Earn 4x unlimited points on travel and more, plus receive a $250 bonus.
America First Federal Credit Union
America First Federal Credit Union
SIGNATURE 1.5% CASH BACK VISA
18.000%
Unlimited 1.5% Cash Back Signature Card
Security Service Federal Credit Union
Security Service Federal Credit Union
Security Service Power Rewards MasterCard
18.000%
Security Service Federal Credit Union
Security Service Federal Credit Union
Security Service Power Cash Back World MasterCard
16.950% - 18.000%
SchoolsFirst Federal Credit Union
SchoolsFirst Federal Credit Union
Inspire Mastercard
13.750% - 17.900%
Maximum Loan Amount Up to $35,000.00
Academic Federal Credit Union
Academic Federal Credit Union
Academic VISA® Classic
15.400%
SchoolsFirst Federal Credit Union
SchoolsFirst Federal Credit Union
School Employee Mastercard
11.750% - 17.900%
Maximum Loan Amount Up to $35,000.00
Abri Credit Union
Abri Credit Union
Platinum Rewards Visa
15.400% - 24.400%
Earn 1 point for every purchase dollar spent. 12 Month Balance Transfer Rate 0%
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Visa Platinum Preferred Starter
17.990%
BECU Boeing Employees Credit Union
BECU Boeing Employees Credit Union
BECU Visa
13.240% - 25.240%
0.00% Introductory APR for twelve (12) months from date of transfer when transfers are completed within 90 days of account opening.
Security Service Federal Credit Union
Security Service Federal Credit Union
Security Service Power MasterCard
12.740% - 18.000%
1st Northern California Credit Union
1st Northern California Credit Union
Visa Premier
9.900%
Show More

The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed.

Compare Alpena-Alcona Area Credit Union Personal Loans with Other Competitive Bank and Credit Union Personal Loans

Institution
Product
APR
Loan Amt
Loan Term Months
InFirst Bank
InFirst Bank
Personal Loan
13.000% - 13.140%
$1,500 - $15,000
36 - 36
Achieve Credit Union
Achieve Credit Union
Personal Loan
8.950%
$0
Avenir Financial Federal Credit Union
Avenir Financial Federal Credit Union
Open End Line-of-Credit
11.990%
$0
AT&T Employees Federal Credit Union
AT&T Employees Federal Credit Union
EZ Loan
18.000%
$0 - $500
5
University First Federal Credit Union
University First Federal Credit Union
Personal Loans
13.490%
$0 - $5,000
48 - 48
Acme Continental Credit Union
Acme Continental Credit Union
Signature Loan
8.950%
$0
1 - 60
1st University Credit Union
1st University Credit Union
Unsecured Signature Loan
10.250%
$0
37 - 60
Suncoast Credit Union
Suncoast Credit Union
Personal Line of Credit
11.500%
$0
Academic Employees Credit Union
Academic Employees Credit Union
Personal Line of Credit
9.500%
$0
360 Federal Credit Union
360 Federal Credit Union
Anything Loan
10.990%
$500
36
705 Federal Credit Union
705 Federal Credit Union
Personal Loan
12.250% - 17.000%
$0 - $20,000
Y-12 Federal Credit Union
Y-12 Federal Credit Union
Access Line Of Credit
16.240%
$0
360 Federal Credit Union
360 Federal Credit Union
Signature LOC Revolving Credit Line
12.500%
$0 - $10,000
360 Federal Credit Union
360 Federal Credit Union
Term Line of Credit 84 months
8.000%
$0
AAEC Credit Union
AAEC Credit Union
Education (tuition bill required)
8.250%
$0
60
Avenir Financial Federal Credit Union
Avenir Financial Federal Credit Union
Personal Loan
11.990%
$0
4U Federal Credit Union
4U Federal Credit Union
Personal Loan
10.650%
$0
Act 1st Federal Credit Union
Act 1st Federal Credit Union
Signature Loan
10.000%
$0
12 - 12
Teachers Federal Credit Union
Teachers Federal Credit Union
Unsecured Personal Loan
12.740%
$0 - $50,000
61 - 72
Academic Federal Credit Union
Academic Federal Credit Union
Debt Consolidation Loan
9.000%
$0
108
Access Credit Union Bristol Pa Credit Union
Access Credit Union Bristol Pa Credit Union
Personal Loans
7.990%
$0 - $30,000
Advantage Credit Union Newtown, IA
Advantage Credit Union Newtown, IA
Personal Loans
14.200%
$5,000 - $8,000
48 - 48
Advantage Plus Federal Credit Union
Advantage Plus Federal Credit Union
Signature Loan
14.990%
$0
25 - 36
Advantage Plus Federal Credit Union
Advantage Plus Federal Credit Union
Signature Loan
12.990%
$0
1 - 24
1st United Credit Union
1st United Credit Union
Personal Line of Credit Variable
13.150%
$0
Show More

The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed.

Alpena-Alcona Area Credit Union Information

Credit Union Name: Alpena-Alcona Area Credit Union
Full Time Employees: 117
Part Time Employees: 18
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

Alpena-Alcona Area Credit Union Financials

Total Assets:
800,814,542
Total Amount of Shares and Deposits:
704,224,350
Total Shares and Deposits < 1 Year:
695,437,876
Total Shares and Deposits 1 3 Years:
5,381,162
Total Shares and Deposits > 3 Years:
3,405,312
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
54,824,172
Total Uninsured Shares and Deposits > $250K (F+J):
54,824,172
Total Insured Shares and Deposits > $250K (item 17 less item K):
649,400,178
Total Interest Expense (Sum of items 6 8):
3,410,271
Share Certificates:
8,562
Number of Accounts for Share Drafts:
30,335
IRA KEOGH Accounts:
2,018
Number of Accounts for Regular Shares:
60,018
All other shares:
2,570
Money Market Shares:
6,221
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
135,019,849
Total Liabilities:
710,808,999
Show More

Alpena-Alcona Area Credit Union Questions and Answers

No Cost Share Drafts:
Yes
Share Certificates with Low Minimum Balance Requirements:
Yes
Is Financial Counseling Offered?:
Yes
Financial Education offered for Members?:
Yes
Are financial literacy Workshops offered?:
Yes
Is there a first time homebuyer program?:
Yes
Credit management and repair offered?:
No
Online Financial Literacy?:
Yes
No Cost Bill Payer:
Yes
Student Scholarships:
1
Mortgage Processing:
Yes
Approved Mortgage Seller?:
Yes
Brokered Certificates of Deposits:
1
payment:
Yes
Are low cost wire transfers available?:
Yes
Member Application:
Yes
Are New Loans Available:
Yes
New Share Account:
Yes
Are online loan payments available:
Yes
Online Bill Payment Allowed?:
Yes
Can I download my account history?:
No
Account Aggregation:
1
Electronic Signature Authentication Certification:
Yes
Can I get my bank statements online?:
Yes
External Account Transfers Allowed:
Yes
Remote Deposit Allowed:
Yes
Are Mobile Payments Avilable?:
Yes
Show More
Source: NCUA Last Updated 03/31/2024

Explore Other Rate Deals

title-insurance-do-i-need-title-insuranceDo I need title insurance? That question might have occurred to you obtained financing to buy a home or refinance a home. Title insurance cost can run over $1,000 when closing on a mortgage so it's a good idea to understand why you're paying this fee.
Rising Bank CD Rates 2.05% APY 1-Year CD (Nationwide)Rising Bank CD rates are all above 2.00 percent right now, which is unusual to see these days. 1-year and 2-year CD rates at Rising Bank are at 2.03 percent with an APY of 2.05 percent. 2-year jumbo and regular 3-year CD rates from Rising Bank are at 2.08 percent with an APY of 2.10 percent. The minimum opening deposit for a regular certificate of deposit is $1,000 and a jumbo certificate of deposit minimum is $100,000. 18 month Rising CD rates are at 2.03 percent with an APY of 2.05 percent. 3-year Rising CD rates are at 2.08 percent with an APY of 2.10 percent. The minimum opening deposit for a Rising certificate of deposit is $25,000. Rising CD accounts allow you have the CD rate increased once during the CD term if rates move higher. Compare online CD rates with Rising Bank CD rates.

Mortgage rates continue to make record lows reaching another new low today. Equity markets tumbled last week and 10 year bond yields plummeted to 2.07% on fears of a recession in the world's major economies.  are lower once again today, following bond yields lower as the equity markets tumble. Current mortgage rates on 30 year conforming mortgages are averaging 4.14%, down from yesterday’s average 30 year rate of 4.24%. Today's mortgage rates on 15 year mortgages also hit new lows at 3.36%, down from yesterday’s average 15 year rate of 3.44%.

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