American 1 Credit Union
Headquarters
718 E Michigan Ave
Jackson, MI 49201
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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 - November 7, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| True Savings
|
0.50% | $0 | - |
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|
| SAV
|
0.50% | $5 | - |
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|
|
Money Market
|
1.00% | $5,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.75% | $500 | - |
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|
| 12 Mo CD
|
4.00% | $500 | - |
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|
| 24 Mo CD
|
4.25% | $500 | - |
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|
| 36 Mo CD
|
4.35% | $500 | - |
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|
| 48 Mo CD
|
4.50% | $500 | - |
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|
| 60 Mo CD
|
4.75% | $500 | - |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| INTCK
|
0.50% | $2,000 | - | Learn More |
Loan Rates - November 7, 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 |
|---|---|---|---|---|---|---|
NMLS ID: 2262032 License#: RM.804810.000 |
6.391% | 6.250% | 1.00 | $4,800 | $1,971 | Learn More |
NMLS ID: 2578474 |
6.596% | 6.500% | 0.63 | $3,210 | $2,023 | Learn More |
NMLS ID: 1025894 |
6.993% | 6.875% | 1.00 | $3,852 | $2,103 | Learn More |
NMLS ID: 3030 |
7.313% | 7.250% | 0.63 | $2,000 | $2,183 | 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 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to American 1
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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
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 151.29 | A | View Lobby Hours | |
| 170.60 | B | View Lobby Hours | |
| 170.73 | C | View Lobby Hours | |
| 171.05 | D | View Lobby Hours | |
| 175.27 | E | View Lobby Hours | |
| 180.64 | F | View Lobby Hours | |
| 1728.74 | G | View Lobby Hours |
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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