Credit union · NCUA insured
Alpena Alcona Area Credit Union CD Rates
Top CarrotAlpena Alcona Area Credit Union’s best CD rate is 4.06% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Alpena Alcona Area Credit Union’s CD rates compare
Compared with banks and credit unions near Alpena, MI, where Alpena Alcona Area Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Alpena Alcona Area Credit Union
4.06%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $406
Regular Certificates
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
Wolverine State Credit Union
4.45%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $332
Alpena Alcona Area Credit Union CD score
85
CD score
Higher than 71% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo4.06%
- 16–30 months16–30 mo3.80%
- 31–60 months31–60 mo3.03%
- QualifiedQualified4.06%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Alpena Alcona Area Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Fall Into Membership CD
6.00%APY
Become a member and AAACU will kickstart it with a $250 CD at 6.00% APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 – $250New member promotional offer$250 – $250 | 6.00% | — | New member promotional offer |
Sources (1)
- aaacu.com · captured Oct 5, 2026
Regular Certificates
Up to 4.06%APY · 8 terms
Rate is fixed for the term of the certificate. Compounded and credited quarterly. Early withdrawal penalty will be imposed for withdrawals before maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months90 Day term; interest compounded and credited quarterly | 3.29% | $81 |
| 6 months180 Day term; interest compounded and credited quarterly | 3.80% | $188 |
| 12 months12 Month term; interest compounded and credited quarterly | 4.06% | $406 |
| 18 months18 Month term; interest compounded and credited quarterly | 3.80% | $575 |
| 24 months2 Year (24 Months) term; interest compounded and credited quarterly | 2.02% | $408 |
| 36 months3 Year (36 Months) term; interest compounded and credited quarterly | 2.52% | $775 |
| 48 months4 Year (48 Months) term; interest compounded and credited quarterly | 2.78% | $1,159 |
| 60 months5 Year (60 Months) term; interest compounded and credited quarterly | 3.03% | $1,610 |
Save to Win
0.50%APY · 1 term
Must be 18 years or older to participate. Rate is fixed for the term of the certificate. Compounded and credited quarterly. Early withdrawal penalty will be imposed for withdrawals before maturity. Earn one entry for every $25.00 deposit (up to 100 entries a month) to win monthly cash prizes ranging from $25.00 - $5,000.00.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months12 Month term; must be 18 years or older; interest compounded and credited quarterly | 0.50% | $50 |
Special-purpose accounts
25-Month IRA Certificate
4.50%APY · 1 term
Rate is fixed for the term of the certificate. Maximum deposit of $250,000. Compounded and credited quarterly. Early withdrawal penalty will be imposed for withdrawals before maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 25 monthsInterest period compounded and credited quarterly; fixed rate; early withdrawal penalty applies | 4.50% | $960 |
Youth Certificates
Up to 4.06%APY · 8 terms
Available to youth ages 19 and younger. Rate is fixed for the term of the certificate. Compounded and credited quarterly. Early withdrawal penalty will be imposed for withdrawals before maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months90 Day term; available to youth ages 19 and younger; interest compounded and credited quarterly | 3.29% | $81 |
| 6 months180 Day term; available to youth ages 19 and younger; interest compounded and credited quarterly | 3.80% | $188 |
| 12 months12 Month term; available to youth ages 19 and younger; interest compounded and credited quarterly | 4.06% | $406 |
| 18 months18 Month term; available to youth ages 19 and younger; interest compounded and credited quarterly | 3.80% | $575 |
| 24 months2 Year (24 Months) term; available to youth ages 19 and younger; interest compounded and credited quarterly | 2.02% | $408 |
| 36 months3 Year (36 Months) term; available to youth ages 19 and younger; interest compounded and credited quarterly | 2.52% | $775 |
| 48 months4 Year (48 Months) term; available to youth ages 19 and younger; interest compounded and credited quarterly | 2.78% | $1,159 |
| 60 months5 Year (60 Months) term; available to youth ages 19 and younger; interest compounded and credited quarterly | 3.03% | $1,610 |
Who can join Alpena Alcona Area Credit Union
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.
Membership information collected October 5, 2026.