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Alpena-Alcona Area

PO Box 515, Alpena, MI 49707
NCUA Insured4.8 (374 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1953

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO Box 515

Alpena, MI 49707

Service Area

This credit union is located in Alpena and serves members in the MI area. Currently serving 49,171 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.50%

Used Auto Loan

6.00%

Personal Loan

8.95%

Credit Card APR

12.96%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MI

Lowest rates currently reported by credit unions in MI (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(13 total)

Member Reviews

4.8

374 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Arne Abrahamsen

Arne Abrahamsen

3 months ago

Rachelle was a bright spot in my day. She took care of my banking need, and offered a great tip about Kitch-iti-kipi to this Northern Michigan newbie. Can't wait to go there. TY Rachelle!

Anna Kollien

Anna Kollien

4 months ago

I feel so bad, I cannot remember the young lady’s name that greeted me with a warm friendly smile. I was at the main office 01/30/26 15:41 ET. She was very knowledgeable, professional, and extremely helpful. While delivering a feeling of value. Never did she make me feel rushed or that my inquiries were silly. Her service today makes me proud to be a member of AAA CU!! Thank you for your continued service.

Thomas Waluk

Thomas Waluk

7 months ago

Great bank with great people. Leland who used to work there is an awesome human. Katie helped me get my account set up and followed up to ensure I had everything I needed to get rolling. They even gave me an account opening gift which was super nice! Abby helped me consolidate some existing loans to a more realistic and doable rate and man am I super grateful for everyone there. Keep up the good work!

Eric Martin

Eric Martin

9 months ago

Mandy a teller at the Oscoda Branch was very helpful when I tried to us the ATM. Was running short on cash and on vacation. She went out to see what the problem was and got the people who could fix it. I got the cash I needed and was back on track for vacation. Imagine the service to a member of their credit union!

Andy Kirk

Andy Kirk

8 months ago

Professional demeanor, and appearance, patient and determined to complete, set up my new accounts and my CD. I had found Maddie to be very knowledgeable ,, I had a wonderful experience. Totally trustworthy and I felt at ease. Maddie was wonderful to meet and work with, very intelligent and a great Sense of humor with all my attempts to complete my out of state residence // Michigan addresses proof!! .. I highly recommend her and if I still had my “ practice” I’d steal her from the bank!!!

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).