Alpena-alcona Area is an NCUA insured institution located in Alpena, MI. It was founded in 1953 and has approximately $957.58 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 / State-Chartered |
| Charter Number # | # 62035 |
| Date Established | 1953 |
| Assets | $957.58 million |
| Loans | $589.80 million |
| Deposits | $835.52 million |
| Capital | $115.71 million |
Your Current Location: New York, NY 10116
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.15% | $2,500 | $4,999 |
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|
|
Money Market
|
0.30% | $2,500 | $2,999 |
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|
|
Money Market
|
0.30% | $10,000 | $14,999 |
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|
|
Money Market
|
0.30% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.35% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.35% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.10% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.10% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.21% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.21% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.31% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.31% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
1.76% | $1 | $499 | Learn More |
Your Current Location: New York, NY 10116
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:
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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:
New York City,New York
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 556.44 | A | View Lobby Hours | |
| 561.59 | B | View Lobby Hours | |
| 568.96 | C | View Lobby Hours | |
| 578.12 | D | View Lobby Hours | |
| 584.73 | E | View Lobby Hours | |
| 584.86 | F | View Lobby Hours | |
| 602.52 | G | View Lobby Hours | |
| 613.66 | H | View Lobby Hours | |
| 613.89 | I | View Lobby Hours | |
| 650.72 | J | View Lobby Hours |
ALPENA-ALCONA AREA is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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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.
| Alpena-alcona Area | U.S. Average |
|---|---|
| 5.91% | 6.78 |
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 December 31, 2025, Alpena-alcona Area had $6,609,819 in non-current loans and $334,626 in owned assets. To cover these potential losses it had $115,714,350 in net worth and $1,708,115 in loans loss reserves. That gives it a Texas Ratio of 5.91%.
| Alpena-alcona Area | U.S. Average |
|---|---|
| 12.08% | 14.48% |
Alpena-alcona Area FCU has a net worth of 12.08% versus the BestCashCow average of 14.48. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
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Last Update on October 3, 2026
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