2024 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 $821.63 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 | $821.63 million |
| Loans | $474.59 million |
| Deposits | $720.24 million |
| Capital | $93.91 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 22, 2024
Your Current Location: Ohio, OH 43085
| 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 |
Loan Rates - December 22, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.494% | 6.375% | 0.75 | $4,000 | $1,997 | Learn More |
NMLS ID: 1025894 |
6.863% | 6.750% | 1.00 | $3,705 | $2,076 | Learn More |
NMLS ID: 3030 |
7.325% | 7.250% | 0.75 | $2,400 | $2,183 | Learn More |
NMLS ID: Not a Lender |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.240 % After Intro: 7.240 % |
$0 |
Learn More
More Info |
Rate See Table |
Intro APR 7.900 % After Intro: 7.900 % |
$25,000 |
Learn More
More Info |
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:
Columbus,Ohio
Alpena-alcona Area Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 299.74 | A | View Lobby Hours | |
| 308.27 | B | View Lobby Hours | |
| 327.20 | C | View Lobby Hours | |
| 342.70 | D | View Lobby Hours | |
| 353.18 | E | View Lobby Hours | |
| 353.80 | F | View Lobby Hours | |
| 354.82 | G | View Lobby Hours | |
| 368.65 | H | View Lobby Hours | |
| 380.00 | I | View Lobby Hours | |
| 399.36 | J | View Lobby Hours |
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 |
|---|---|
| 2.63% | 5.83 |
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, 2024, Alpena-alcona Area had $2,483,440 in non-current loans and $26,608 in owned assets. To cover these potential losses it had $93,907,816 in net worth and $1,708,115 in loans loss reserves. That gives it a Texas Ratio of 2.63%.
Net Worth
| Alpena-alcona Area | U.S. Average |
|---|---|
| 11.42% | 13.93% |
Alpena-alcona Area FCU has a net worth of 11.42% versus the BestCashCow average of 13.93. 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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