Credit union · NCUA insured
Alpena Credit Union Savings Rates
Alpena Credit Union’s best savings rate is 1.26% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Alpena Credit Union’s savings rates compare
Compared with banks and credit unions near Alpena, MI, where Alpena Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Alpena Credit Union
1.26%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $126
Money Market
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 Credit Union savings score
86
Savings score
Higher than 74% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.26%
- $100,000 balance$100,0001.76%
- QualifiedQualified1.26%
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 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.
Money Market
1.26%APY
More than 2 withdrawals or transfers in a month, account will be subject to a per item fee of $25 as well as possible closure. Any fees incurred may reduce earnings on the account. Rate is subject to change.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 – $20,000Tier 1 | 1.26% | $126 | Tier 1 |
| $20,000 – $75,000Tier 2 | 1.51% | — | Tier 2 |
| Over $75,000Tier 3 | 1.76% | — | Tier 3 |
Sources (1)
- alpenacreditunion.com/rates/saving-rates · captured Oct 5, 2026
SECONDARY SHARE
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- alpenacreditunion.com/rates/saving-rates · captured Oct 5, 2026
SHARE ACCOUNT
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
Sources (1)
- alpenacreditunion.com/rates/saving-rates · captured Oct 5, 2026
Special-purpose accounts
HSA -- SHARE ACCOUNT
3.03%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 3.03% | $303 |
Sources (1)
- alpenacreditunion.com/rates/saving-rates · captured Oct 5, 2026
IRA Share
1.61%APY
Offered as Traditional IRA Share and Roth IRA Share.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to Traditional and Roth IRA Share accounts.Any balance | 1.61% | $161 | Applies to Traditional and Roth IRA Share accounts. |
Sources (1)
- alpenacreditunion.com/rates/saving-rates · captured Oct 5, 2026
CHRISTMAS CLUB
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- alpenacreditunion.com/rates/saving-rates · captured Oct 5, 2026
Who can join Alpena Credit Union
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