Credit union · NCUA insured
AAC Credit Union
Top CarrotA $211.2M credit union headquartered in Grand Rapids, MI, with 14,809 members and 8 branches in 2 states. Best rates: CDs 4.15% and savings 0.40% APY.
AAC Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 85% of U.S. banks and credit unions
#8 of 49 in Grand Rapids, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About AAC Credit Union
Founded in 1937 by five American Seating Company employees, AAC Credit Union is a member-owned financial cooperative established to provide a safe place to save and receive fair loan deals.
In 1998, the credit union expanded to community membership across five Michigan counties and now serves over 15,000 members across seven West Michigan branches.
- Headquarters
- 177 Wilson Ave NW, Grand Rapids, MI 49534
- NCUA charter
- 62217
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or studies in Kent, Muskegon, Ottawa, Barry, or Allegan counties.
Cost to join
- Opening a savings account with a $5 deposit is required to begin membership.
Branches
8 branches in 2 states
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Michigan
7 branches
- StandaleMain office177 Wilson Ave NW, Grand Rapids, MI 49534Directions
- Grand Rapids Branch904 Broadway Ave NW, Grand Rapids, MI 49504Directions
- AAC Credit Union Big Dutch Branch215 E 25th St, Holland, MI 49423Directions
- Holland Branch12390 Riley St, Holland, MI 49424Directions
- Spring Lake Branch17228 Van Wagoner Rd, Spring Lake, MI 49456Directions
- Herman Miller Branch855 E Main Ave, Zeeland, MI 49464Directions
- Zeeland Branch612 E Main Ave, Zeeland, MI 49464Directions
Pennsylvania
1 branch
- Knoll PA1235 Water St, East Greenville, PA 18041Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 24.16% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.36% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.48% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $75 | $76 | — |
- CapitalNet worth ratio24.16%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.36%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.48%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$75Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of AAC Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.