Wolverine State

1381 N Bagley St, Alpena, MI 49707

NCUA Insured4.3 (52 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1966

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

Membership Eligibility

Anyone who lives, works, or worships in or around Alpena, MI may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1966

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

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

1381 N Bagley St

Alpena, MI 49707

Google Maps 🗺Waze

(989) 356-1880

Service Area

This credit union is located in Alpena and serves members in the MI area. Currently serving 9,700 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

5.75%

Used Auto Loan

6.25%

Personal Loan

10.00%

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).

Michigan Legacy— New Auto Loan

Wyandotte, MI

2.19%

Awakon— Used Auto Loan

Onaway, MI

3.99%

International Uaw— Personal Loan

Detroit, MI

5.50%

Circle— Credit Card APR

Niles, MI

4.80%

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

Branches & Locations(5 total)

Member Reviews

4.3

52 Google reviews

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

View on Google Maps

Caleb Pommerenke

4 months ago

They deny my card every week. I have to call them if I plan on spending my money out of my credit account. They are a joke of a bank. And their online services are out dated

Amber Gregg (Amber Gregg)

a year ago

My fiancée and I both recently went through Morgan Plume in the Loan department for vehicle loans. While my fiancée’s went smoothly, mine was nothing but issues (on my end not the bank). I had to contact Morgan MULTIPLE times to make changes, change timelines, adjust things, etc. Every single time, she was more than willing to make any changes I needed. She was very quick to answer or return my calls and messages, she was very thorough answering all of my questions, she was attentive and very kind. Because of issues on my end, this was almost a 2 month process. Morgan checked in, made sure I didn’t need anything, and when it finally came time to sign, she was just as excited for me as I was. After signing, she continued to check in and made sure I knew she was there if I needed her. I’ve always had a positive experience at this establishment, however I wanted to highlight Morgan, as I am truly thankful and appreciate her hard work and efforts to help me make this happen. Thank you Wolverine and Morgan Plume in Loans. You guys are great, and truly do put your customers satisfaction first!

Joyce Demski

9 months ago

Tellers and client specialists are professional and extremely helpful. We've been members since 2008 and have not had a bad experience with them that we can recall.

micqueen darst

a year ago

Amazing staff and loan board, I have had 2 vehicle loans and 2 christmas/or personal loans and they have been amazing! I know a few people that have better credit than I do and still cant get help from their credit union for anything no matter how small so I just want to say thank you to Wolverine State Credit Union (Besser C.U.) and Morgan is amazing super friendly and always willing to help!

Juanita Karsten

a year ago

Raelyn was AMAZING! She was so patient and answered my million questions and helped my husband and I with the best financial plan that helped us get into the perfect vehicle that fit our budget! Highly recommend working with Raelyn with any of your financial needs, she literally goes above and beyond and truly cares about her members