Alpena-alcona Area Credit Union - Nationwide Branches

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Branch	Address	View Lobby Hours
Lincoln Office	111 S Church St, Lincoln, MI 48742	View Lobby Hours
Oscoda Office	103 S State St, Oscoda, MI 48750	View Lobby Hours
Alpena Office	1100 S Bagley St, Alpena, MI 49707	View Lobby Hours
Alpena North Office	1013 US Highway 23 N, Alpena, MI 49707	View Lobby Hours
Ossineke Office	11610 US Highway 23 S, Ossineke, MI 49766	View Lobby Hours
Atlanta Office	12285 Jerome St, Atlanta, MI 49709	View Lobby Hours
Tawas Office	118 W M 55, Tawas City, MI 48763	View Lobby Hours
Calcite Credit Union	478 N Third St, Rogers City, MI 49779	View Lobby Hours
Calcite Credit Union	1005 S Main St, Cheboygan, MI 49721	View Lobby Hours
Calcite Credit Union	10514 Michigan Ave, Posen, MI 49776	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1025894	6.464%	6.375%	0.75	$2,975	$1,997	Learn More
NMLS ID: 6606	6.581%	6.490%	1.00	$3,037	$2,021	Learn More
NMLS ID: 3030						Learn More
NMLS ID: 491986						Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Four Leaf Federal Credit Union See Table	Intro APR 6.490 % After Intro: 7.750 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]

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