Credit union · NCUA insured
Alpena Alcona Area Credit Union Savings Rates
Top CarrotAlpena Alcona Area Credit Union’s best savings rate is 0.20% APY on $10,000, with its Preferred Share. Rates checked October 16, 2026.
How Alpena Alcona Area Credit Union’s savings 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
0.20%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $20
Preferred Share
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
Northland Area FCU
1.66%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $166
Alpena Alcona Area Credit Union savings score
69
Savings score
Higher than 23% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.20%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Preferred Share
0.20%APY
Open up to ten preferred shares per account. Assign unique nicknames to each preferred account. No minimum balance required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited quarterly.Any balance | 0.20% | $20 | Dividends compounded and credited quarterly. |
Regular Share
0.15%APY
A requirement for membership. Funds earn dividends compounded and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends compounded and credited quarterly.$5 and up | 0.15% | $15 | Dividends compounded and credited quarterly. |
Special-purpose accounts
Health Savings Account
5.12%APY
Used to pay current medical expenses with pre-tax contributions and tax-free interest. Funds roll over from year to year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited quarterly.Any balance | 5.12% | $512 | Dividends compounded and credited quarterly. |
Individual Retirement Account
1.51%APY
Available under Traditional, Roth, and Coverdell Education IRA tax wrappers.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited quarterly. Shared schedule applies to Traditional, Roth, and Educational IRAs.Any balance | 1.51% | $151 | Dividends compounded and credited quarterly. Shared schedule applies to Traditional, Roth, and Educational IRAs. |
Christmas Club
0.15%APY
Save all year and funds will be automatically transferred to regular shares on October 1. No minimum balance required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited quarterly. Funds automatically transfer to regular shares on October 1.Any balance | 0.15% | $15 | Dividends compounded and credited quarterly. Funds automatically transfer to regular shares on October 1. |
Vacation Club
0.15%APY
Save all year and funds will be automatically transferred to regular shares on June 1. No minimum balance required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited quarterly. Funds automatically transfer to regular shares on June 1.Any balance | 0.15% | $15 | Dividends compounded and credited quarterly. Funds automatically transfer to regular shares on June 1. |
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.