Alpena-alcona Area Credit Union

Headquarters

Po Box 515
Alpena, MI 49707
See all branch locations →

Notable Rates	APY	Vs.Others
Savings	0.15%	4.60% →
1-Year CD	0.60%	4.59% →
2-Year CD	0.85%	4.00% →
5-Year CD	1.31%	4.00% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2025 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 $902.89 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	$902.89 million
Loans	$551.70 million
Deposits	$788.41 million
Capital	$105.71 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 - December 14, 2025

Your Current Location: Minnesota, MN 10007

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
Savings	0.15%	$2,500	$4,999	Learn More Reviews
Money Market	0.30%	$2,500	$2,999	Learn More Reviews
Money Market	0.30%	$10,000	$14,999	Learn More Reviews
Money Market	0.30%	$25,000	$29,999	Learn More Reviews

CD Rates (Share Certificate Rates)	APY	MIN	MAX
6 Mo CD	0.35%	$10,000	$14,999	Learn More Reviews
6 Mo CD	0.35%	$100,000	$199,999	Learn More Reviews
12 Mo CD	0.60%	$10,000	$14,999	Learn More Reviews
12 Mo CD	0.60%	$100,000	$199,999	Learn More Reviews
18 Mo CD	0.60%	$10,000	$14,999	Learn More Reviews
18 Mo CD	0.60%	$100,000	$199,999	Learn More Reviews
24 Mo CD	0.85%	$10,000	$14,999	Learn More Reviews
24 Mo CD	0.85%	$100,000	$199,999	Learn More Reviews
36 Mo CD	1.10%	$10,000	$14,999	Learn More Reviews
36 Mo CD	1.10%	$100,000	$199,999	Learn More Reviews
48 Mo CD	1.21%	$10,000	$14,999	Learn More Reviews
48 Mo CD	1.21%	$100,000	$199,999	Learn More Reviews
60 Mo CD	1.31%	$10,000	$14,999	Learn More Reviews
60 Mo CD	1.31%	$100,000	$199,999	Learn More Reviews

Variable IRA Rates	APY	MIN	MAX
Var IRA	1.76%	$1	$499	Learn MoreShow Less

Loan Rates - December 14, 2025

Your Current Location: Minnesota, MN 10007

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 - Minnesota 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000%	0.00	$0	$0	Learn More
NMLS ID: 2059741	5.936%	5.875%	0.63	$2,115	$1,893	Learn More
NMLS ID: 1067	6.052%	5.990%	0.63	$2,138	$1,917	Learn More
NMLS ID: 6606	6.218%	6.125%	1.00	$3,178	$1,945	Learn More

See More Mortgage Rates →

Featured - Minnesota Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
PenFed Credit Union See Table	0.000 %	$0	Learn More More Info
Interest-only payments during the 10-year draw period Loans Amounts from $25,000 - $500,000. Get a HELOC from PenFed to Put Your Home Equity to Work. HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans. Home Equity Line of Credit - Equal Housing Lender.
Valley Strong Credit Union See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day closing assumes closing the loan with our remote online notary. Closing timelines will be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Get your offer in 5 minutes and funding in as few as 5 days Personalized banking solutions to help reach your financial goals Up to $400K Terms of 10,15, or 30 years
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period

See More Home Equity Rates →

Note to Alpena-alcona Area
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Branches

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:
Albert Lea,Minnesota

Alpena-alcona Area Locations around zip code 10007

Branch	Distance	Map	View Lobby Hours
Calcite Credit Union	490.59	A	View Lobby Hours
Atlanta Office	497.62	B	View Lobby Hours
Calcite Credit Union	520.66	C	View Lobby Hours
Tawas Office	523.45	D	View Lobby Hours
Calcite Credit Union	524.56	E	View Lobby Hours
Lincoln Office	532.71	F	View Lobby Hours
Ossineke Office	533.21	G	View Lobby Hours
Alpena Office	533.49	H	View Lobby Hours
Alpena North Office	534.66	I	View Lobby Hours
Oscoda Office	534.71	J	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

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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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
2.71%	5.63

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, 2025, Alpena-alcona Area had $2,839,339 in non-current loans and $70,977 in owned assets. To cover these potential losses it had $105,707,981 in net worth and $1,708,115 in loans loss reserves. That gives it a Texas Ratio of 2.71%.

Net Worth

Alpena-alcona Area	U.S. Average
11.7%	14.29%

Alpena-alcona Area FCU has a net worth of 11.7% versus the BestCashCow average of 14.29. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for Alpena-alcona Area

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