Jackson, MI 49201


2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 65595
Date Established 1980
Assets $390.71 million
Loans $275.15 million
Deposits $310.97 million
Capital $68.99 million

American 1 is an NCUA insured institution located in Jackson, MI. It was founded in 1980 and has approximately $390.71 millions in assets.

Who can join?

Michigan Services Credit Union has merged with American 1 Credit Union, and therefore has the same field of membership.

Field of Membership Restrictions

American 1 CU is open to anyone who is employed by Community 1 Cooperative or who lives in the counties of Jackson, Calhoun, Washtenaw, Hillsdale, Macomb, Oakland, and Wayne.

Deposit Rates - October 16, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.50% $5,000 - Learn MoreShow Less
Fixed IRA
2.02% $50 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.10% $500 - Learn MoreShow Less
6 Mo CD
0.75% $500 - Learn MoreShow Less
12 Mo CD
2.00% $500 - Learn MoreShow Less
24 Mo CD
2.50% $500 - Learn MoreShow Less
36 Mo CD
2.75% $500 - Learn MoreShow Less
48 Mo CD
2.25% $500 - Learn MoreShow Less
60 Mo CD
2.50% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.25% $2,000 - Learn MoreShow Less

Loan Rates - October 16, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for AMERICAN 1

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 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Triangle Lending Group, Inc.
NMLS ID: 64446
License#: MC-5531
3.679% 3.625% 0.25 $1,702 $1,141 Learn More
NMLS ID: 2890
License#: MC-3098
3.536% 3.500% 0.50 $1,130 $1,123 Learn More
Hamilton National Mortgage Co.
NMLS ID: 122701
3.662% 3.625% 0.50 $1,150 $1,141 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

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
3.990 %
$0 Learn More
More Info

Note to AMERICAN 1
To upload and update your bank's rates please register. It is free to register and add rates.


Below are American 1 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:

American 1 Locations

Financial Details

American 1 Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of American 1. 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
American 1 U.S. Average
5.21% 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, American 1 had $3,701,734 in non-current loans and $133,750 in owned assets. To cover these potential losses it had $68,992,188 in net worth and $4,570,631 in loans loss reserves. That gives it a Texas Ratio of 5.21%.

Net Worth
American 1 U.S. Average
17.65% 13.65%

American 1 FCU has a net worth of 17.65% 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 American 1

Branches and Savings

What is American 1?

A federal credit union, registered with the NCUA under certificate #65595.
Learn more about credit unions here.

Is American 1 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 American 1?

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

What are American 1's share account and share certificate rates?

American 1'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 American 1?

American 1 has total capital of $68.99 million. Full information on American 1's financial position is located above.

Who owns American 1?

Credit Unions are owned by their members.

Where are American 1 branches located?

See branch locations nearby.

Are American 1 ATMs Open 24/7?

Do American 1 ATMs accept cash deposits?

Can American 1 customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does American 1 have a mobile app?

Does American 1 have mobile deposit?

Does American 1 have quick pay?

How can American 1 transfer money to other banks or credit unions?

Does American 1 report to credit bureaus?

Does American 1 use Chexsystems?

Does American 1 use Equifax?

What is American 1's toll free phone number?

What is American 1's ACH Routing Number?

What is American 1's SWIFT code?

Where can I find American 1's wire transfer form?

What is the American 1 address for deposits?

What Products Does American 1 Offer

Does American 1 offer mortgages?

Compare mortgage rates here.

Does American 1 offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does American 1 offer auto and RV loans?

Compare auto loan rates here.

Does American 1 offer student loans or personal loans?

Compare personal loan rates here.

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