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Advertiser Disclosure
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 Alpena Community 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.
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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
Alpena Community Credit Union's top rates as of October 9, 2026 are 2.78% APY on its 60 Month CD, 1.51% APY on money market accounts, 3.03% APY on checking, and personal loans from 9.00% APR, according to rates verified by MonitorBankRates. Other Alpena Community Credit Union CD rates include IRA 60 MONTH at 2.78%, 48 Month CD at 2.52%, and IRA 48 MONTH at 2.52%. MonitorBankRates evaluates the financial stability of Alpena Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.65%. Rates last updated and verified on 10/09/2026. Alpena Community 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 Community Credit Union? Share your experience about Alpena Community Credit Union by leaving a review below, or read customer reviews before you decide to use Alpena Community Credit Union. Alpena Community Credit Union
Alpena Community Credit Union Main Office 710 W Miller St
https://www.alpenacreditunion.com Alpena, MI 49707-1875  Customer Reviews
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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 Community Credit Union CD Rates
Alpena Community Credit Union Savings Rates
Alpena Community Credit Union Money Market Rates
Alpena Community Credit Union Checking Rates
Alpena Community Credit Union Auto Loan Rates
Alpena Community Credit Union RV, Boat and Powersport Loan Rates
Alpena Community Credit Union Personal Loan Rates
Alpena Community Credit Union Other Rates
Financial Health HistoryAlpena Community Credit Union’s Texas Ratio fell from 1.27% in Q3 2023 to 0.65% 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. 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
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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 Alpena Community 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 Community 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 Community Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Alpena Community Credit Union
Address
710 W Miller St,
Alpena, MI 49707-1875
Phone
989-356-4561
Fax
989-356-1493
President
Jordan Reynolds
CEO
Andrew Augustyn
Full-Time Employees
7
Part-Time Employees
2
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.65%
Return on Assets (ROA)
0.6831%
Return on Equity (ROE)
4.8640%
Non-Performing Loans Ratio (NPL)
0.21%
Total Assets
35,561,731
Total Amount of Shares and Deposits
30,222,546
Total Shares and Deposits < 1 Year
29,960,923
Total Shares and Deposits 1 3 Years
193,498
Total Shares and Deposits > 3 Years
68,125
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
975,219
Total Uninsured Shares and Deposits > $250K (F+J)
975,219
Total Insured Shares and Deposits > $250K (item 17 less item K)
29,247,327
Total Interest Expense (Sum of items 6 8)
52,971
Share Certificates
24
Number of Accounts for Share Drafts
1,522
IRA KEOGH Accounts
66
Number of Accounts for Regular Shares
2,923
All other shares
108
Money Market Shares
98
Net Income (unless the amount is already included in Undivided Earnings)
242,924
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)
1,344,571
Total Liabilities
30,708,672
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Alpena Community Credit UnionHow many branches does Alpena Community Credit Union operate?Alpena Community 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 Community Credit Union?Yes, to access services at Alpena Community 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 Community 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 Community Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Alpena Community Credit Union offer online and mobile banking?Most modern institutions like Alpena Community 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.alpenacreditunion.com. Current Alpena Community Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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