Credit union · NCUA insured
American 1 Credit Union
A $666.9M credit union headquartered in Jackson, MI, with 67,556 members and 16 branches in Michigan. Best rates: CDs 3.50% and savings 0.50% APY.
American 1 Credit Union Carrot Score
80
Carrot Score
Higher than 51% of U.S. banks and credit unions
#7 of 15 in Jackson, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About American 1 Credit Union
American 1 Credit Union's purpose is to create financial wellness in its communities through personal everyday banking.
- Headquarters
- 718 E Michigan Ave, Jackson, MI 49201
- NCUA charter
- 65595
Branches
16 branches in Michigan
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Michigan
16 branches
Jackson area · 9
- Home OfficeMain office718 E Michigan Ave, Jackson, MI 49201Directions
- Brooklyn11301 Brooklyn Rd, Brooklyn, MI 49230Directions
- Clark Lake3101 Jefferson Rd, Clarklake, MI 49234Directions
- North St930 W North St, Jackson, MI 49202Directions
- Parnall1521 W Parnall Rd, Jackson, MI 49201Directions
- Robinson Rd135 Robinson Rd, Jackson, MI 49203Directions
- Vandercook1238 E McDevitt Ave, Jackson, MI 49203Directions
- Michigan Center4400 Page Ave, Michigan Center, MI 49254Directions
- Spring Arbor6580 Spring Arbor Rd, Spring Arbor, MI 49283Directions
Ann Arbor area · 3
- Chelsea US-1212855 E Old US Highway 12, Ste 8, Chelsea, MI 48118Directions
- Manchester10903 Mi State Road 52, Manchester, MI 48158Directions
- Milan108 W Main St, Milan, MI 48160Directions
Battle Creek area · 2
- Battle Creek1 Bedford Rd N, Battle Creek, MI 49037Directions
- Marshall106 Winston Dr, Marshall, MI 49068Directions
Adrian area · 1
- Adrian - Maumee1586 W Maumee St, Adrian, MI 49221Directions
Hillsdale area · 1
- Hillsdale3192 W Carleton Rd, Hillsdale, MI 49242Directions
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 | 15.58% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 2.07% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.53% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $84 | $76 | — |
- CapitalNet worth ratio15.58%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late2.07%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.53%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$84Peers’ 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 American 1 Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.