American 1 Credit Union

Headquarters

718 E Michigan Ave
Jackson, MI 49201
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.50% 5.50% →
1-Year CD 4.00% 4.65% →
2-Year CD 4.25% 4.25% →
5-Year CD 4.75% 4.00% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Credit Union Information

American 1 is an NCUA insured institution located in Jackson, MI. It was founded in 1980 and has approximately $704.6 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.

NCUA Insured Yes / State-Chartered
Charter Number # # 65595
Date Established 1980
Assets $704.60 million
Loans $463.48 million
Deposits $588.10 million
Capital $100.74 million
 

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 - December 23, 2024

Your Current Location: Ohio, OH 43085

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
True Savings
0.50% $0 - Learn More
SAV
0.50% $5 - Learn More
Money Market
1.00% $5,000 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.75% $500 - Learn More
12 Mo CD
4.00% $500 - Learn More
24 Mo CD
4.25% $500 - Learn More
36 Mo CD
4.35% $500 - Learn More
48 Mo CD
4.50% $500 - Learn More
60 Mo CD
4.75% $500 - Learn More
Int Checking Rates APY MIN MAX
INTCK
0.50% $2,000 - Learn MoreShow Less

Loan Rates - December 23, 2024

Your Current Location: Ohio, OH 43085

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 - Ohio 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.960% 6.875% 0.63 $2,764 $2,103 Learn More
Advantage Lending
NMLS ID: 2592312
License#: RM.805266.000
6.966% 6.875% 0.50 $3,145 $2,103 Learn More
Rocket Mortgage
NMLS ID: 3030
7.338% 7.250% 0.88 $2,800 $2,183 Learn More
Veterans United Home Loans
NMLS ID: 1907
Learn More

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
Intro APR
6.990 %
After Intro: 6.990 %
$0 Learn More
More Info
Rate
Rate
See Table
Intro APR
7.900 %
After Intro: 7.900 %
$25,000 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.

Branches

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:
Columbus,Ohio


American 1 Locations around zip code 43085




Climate Policy and Initiatives

AMERICAN 1 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

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
6.08% 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, American 1 had $6,116,342 in non-current loans and $359,795 in owned assets. To cover these potential losses it had $100,739,705 in net worth and $5,859,825 in loans loss reserves. That gives it a Texas Ratio of 6.08%.

Net Worth
American 1 U.S. Average
14.2% 13.93%

American 1 FCU has a net worth of 14.2% 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 American 1

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