PO BOX 515
Alpena, MI 49707

Notable Rates APY Vs.Others
Savings 0.15% 2.20% →
1-Year CD 0.75% 2.20% →
2-Year CD 1.26% 2.20% →
5-Year CD 2.52% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Credit Union Information

Alpena-alcona Area is an NCUA insured institution located in Alpena, MI. It was founded in 1953 and has approximately $356.76 millions in assets.

Who can join?

You can if...

You have an immediate family member who belongs to AAACU.

You work or are a member a business or organization that offer AAACU membership as a benefit.

You live, work, worship or attend school in Iosco County.

NCUA Insured Yes
Charter Number # # 62035
Date Established 1953
Assets $356.76 million
Loans $213.19 million
Deposits $310.81 million
Capital $42.42 million

Field of Membership Restrictions

Alpena-Alcona Area CU is open to anyone who resides, holds employment, attends church, or is a registered student in the county of Iosco, has a family member who is a current AAA CU member, works for one of the on-site listed SEG's, is a member of one of the on-site listed organizations that is recognized as a CU-affiliate, or meets one of the other forms of FOM requirements.

Deposit Rates - February 26, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.65% $2,000 $99,999 Learn MoreShow Less
Fixed IRA
0.75% $500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.25% $500 - Learn MoreShow Less
6 Mo CD
0.50% $500 - Learn MoreShow Less
12 Mo CD
0.75% $500 - Learn MoreShow Less
18 Mo CD
1.51% $500 - Learn MoreShow Less
24 Mo CD
1.26% $500 - Learn MoreShow Less
36 Mo CD
1.51% $500 - Learn MoreShow Less
48 Mo CD
1.76% $500 - Learn MoreShow Less
60 Mo CD
2.52% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
2.02% $1 - Learn MoreShow Less

Loan Rates - February 26, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for ALPENA-ALCONA AREA

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.793% 4.750% 0.00 $1,250 $1,305 Learn More
NMLS ID: 2890
License#: MC-3098
3.158% 3.125% 0.38 $1,030 $1,071 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Alpena-alcona Area branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Alpena-alcona Area Locations

Financial Details

Alpena-alcona Area Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Alpena-alcona Area. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Alpena-alcona Area U.S. Average
3.08% 5.86

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2019, Alpena-alcona Area had $1,213,583 in non-current loans and $140,752 in owned assets. To cover these potential losses it had $42,418,308 in net worth and $1,565,690 in loans loss reserves. That gives it a Texas Ratio of 3.08%.

Net Worth
Alpena-alcona Area U.S. Average
11.88% 13.65%

Alpena-alcona Area FCU has a net worth of 11.88% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Alpena-alcona Area

Branches and Savings

What is Alpena-alcona Area?

A federal credit union, registered with the NCUA under certificate #62035.
Learn more about credit unions here.

Is Alpena-alcona Area FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Alpena-alcona Area?

Please see Field of Membership information above for information on who is eligible to join.

What are Alpena-alcona Area's share account and share certificate rates?

Alpena-alcona Area's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Alpena-alcona Area?

Alpena-alcona Area has total capital of $42.42 million. Full information on Alpena-alcona Area's financial position is located above.

Who owns Alpena-alcona Area?

Credit Unions are owned by their members.

Where are Alpena-alcona Area branches located?

See branch locations nearby.

Are Alpena-alcona Area ATMs Open 24/7?

Do Alpena-alcona Area ATMs accept cash deposits?

Can Alpena-alcona Area customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Alpena-alcona Area have a mobile app?

Does Alpena-alcona Area have mobile deposit?

Does Alpena-alcona Area have quick pay?

How can Alpena-alcona Area transfer money to other banks or credit unions?

Does Alpena-alcona Area report to credit bureaus?

Does Alpena-alcona Area use Chexsystems?

Does Alpena-alcona Area use Equifax?

What is Alpena-alcona Area's toll free phone number?

What is Alpena-alcona Area's ACH Routing Number?

What is Alpena-alcona Area's SWIFT code?

Where can I find Alpena-alcona Area's wire transfer form?

What is the Alpena-alcona Area address for deposits?

What Products Does Alpena-alcona Area Offer

Does Alpena-alcona Area offer mortgages?

Compare mortgage rates here.

Does Alpena-alcona Area offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Alpena-alcona Area offer auto and RV loans?

Compare auto loan rates here.

Does Alpena-alcona Area offer student loans or personal loans?

Compare personal loan rates here.

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