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 Alpena-Alcona Area Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 22, 2026
Alpena-Alcona Area Credit Union's 25 month IRA CD Special rates are at 5.00%. Alpena-Alcona Area Credit Union's savings rates are at 5.12%. Alpena-Alcona Area Credit Union's 15-Year Fixed rates are at 6.12%, 30-Year Fixed rates are at 6.50%, 15-Year Fixed rates are at 7.12%, 10-Year Fixed rates are at 6.50%. Alpena-Alcona Area Credit Union's Personal Loan Rates are at 4.25%. MonitorBankRates evaluates the financial stability of Alpena-Alcona Area Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.81%. Rates were last updated on 04/22/2026. Alpena-Alcona Area Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Alpena-Alcona Area Credit Union? Share your experience about Alpena-Alcona Area Credit Union by leaving a review below, or read customer reviews before you decide to use Alpena-Alcona Area Credit Union. Alpena-Alcona Area Credit Union
Alpena Office 1100 S Bagley St
https://www.aaacu.com Alpena, MI 49707 8104 
Alpena-Alcona Area Credit Union CD Rates
Alpena-Alcona Area Credit Union Savings Rates
Alpena-Alcona Area Credit Union Mortgage Rates
Alpena-Alcona Area Credit Union Auto Loan Rates
Alpena-Alcona Area Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Alpena-Alcona Area Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Alpena-Alcona Area Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Alpena-Alcona Area Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Alpena-Alcona Area Credit Union
Website
https://www.aaacu.com
Address
1100 S Bagley St,
Alpena, MI 49707 8104
Phone
989-356-3577
Fax
989-354-5551
President
Charles Negro
CEO
Donald Mills
Full-Time Employees
131
Part-Time Employees
15
Branch Locations
13
ATM Locations
10
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.81%
Return on Assets (ROA)
1.1750%
Return on Equity (ROE)
9.8330%
Non-Performing Loans Ratio (NPL)
0.73%
Total Assets
918,804,314
Total Amount of Shares and Deposits
800,927,496
Total Shares and Deposits < 1 Year
792,333,521
Total Shares and Deposits 1 3 Years
5,473,456
Total Shares and Deposits > 3 Years
3,120,519
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
100,995,537
Total Uninsured Shares and Deposits > $250K (F+J)
100,995,537
Total Insured Shares and Deposits > $250K (item 17 less item K)
699,931,959
Total Interest Expense (Sum of items 6 8)
11,724,270
Share Certificates
11,520
Number of Accounts for Share Drafts
33,150
IRA KEOGH Accounts
2,186
Number of Accounts for Regular Shares
62,966
All other shares
2,539
Money Market Shares
7,698
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
136,435,316
Total Liabilities
809,350,851
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Alpena-Alcona Area Credit UnionIs Alpena-Alcona Area Credit Union a safe place to deposit money?Yes, Alpena-Alcona Area Credit Union is considered a safe financial institution. With a Texas Ratio of 3.805152344715%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Alpena-Alcona Area Credit Union operate?Alpena-Alcona Area Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Alpena-Alcona Area Credit Union?Yes, to access services at Alpena-Alcona Area Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Alpena-Alcona Area Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Alpena-Alcona Area Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Alpena-Alcona Area Credit Union offer online and mobile banking?Most modern institutions like Alpena-Alcona Area Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.aaacu.com. Current Alpena-Alcona Area Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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