Credit union · NCUA insured
Alpena Alcona Area Credit Union
Top CarrotA $957.6M credit union headquartered in Alpena, MI, with 49,570 members and 13 branches in Michigan. Best rates: CDs 4.06% and savings 0.20% APY.
Alpena Alcona Area Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 80% of U.S. banks and credit unions
#2 of 7 in Alpena, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Alpena Alcona Area Credit Union
Alpena Alcona Area Credit Union was founded in 1953 and operates ten branch locations.
- Headquarters
- 1100 S Bagley St, Alpena, MI 49707-8104
- NCUA charter
- 62035
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who reside, work, own real property, attend school or worship within any county in the State of Michigan are eligible to join.
Employers and groups
- Employees of AAACU are eligible to join.
Family and household
- Immediate families of existing members are eligible to join.
- A spouse of a deceased member is eligible for membership if accepted prior to remarriage.
Other ways
- Any legal entity comprised for the most part of the same general group as the membership of the Credit Union is eligible to join.
Cost to join
- Opening an account requires a $5.00 deposit.
Branches
13 branches in Michigan
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Michigan
13 branches
Alpena area · 4
- Alpena OfficeMain office1100 S Bagley St, Alpena, MI 49707Directions
- Alpena North Office1013 US Highway 23 N, Alpena, MI 49707Directions
- Wildcat Branch3303 S 3rd Ave, Alpena, MI 49707Directions
- Ossineke Office11610 US Highway 23 S, Ossineke, MI 49766Directions
Lincoln area · 2
- Lincoln Office111 S Church St, Lincoln, MI 48742Directions
- Tiger Branch51 N Barlow Road, Lincoln, MI 48742Directions
Oscoda area · 2
- Oscoda Office103 S State St, Oscoda, MI 48750Directions
- Owl's Nest3550 E River Rd, Oscoda, MI 48750Directions
Atlanta area · 1
- Atlanta Office12285 Jerome St, Atlanta, MI 49709Directions
Cheboygan area · 1
- Cheboygan Office1005 S Main St, Cheboygan, MI 49721Directions
Posen area · 1
- Posen Branch10514 Michigan Ave, Posen, MI 49776Directions
Rogers City area · 1
- Rogers City Office478 N Third St, Rogers City, MI 49779Directions
Tawas City area · 1
- Tawas Office118 W M55, Tawas City, MI 48763Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.18% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.85% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.43% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $72 | $76 | — |
- CapitalNet worth ratio12.18%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.85%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.43%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$72Peers’ 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 Alpena Alcona Area Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.