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Your Trusted Financial Partner for Life
Alpena Alcona Area Credit Union has been dedicated to empowering members' financial success for over three decades. Our team of experienced professionals delivers personalized banking solutions tailored to meet diverse financial needs, from everyday transactions to major life milestones. We prioritize exceptional customer service, demonstrated by our 24/7 online banking capabilities and responsive support team that maintains relationships even with long-distance members. Our competitive loan rates consistently outperform local institutions, as evidenced by our recent auto loan offerings that secured a 4.25% APR for qualified borrowers. Through strategic partnerships like GreenPath and ZOGO, we provide comprehensive financial education resources to help members build lasting financial literacy.

Our commitment to community is reflected in localized programs such as the Teacher of the Month recognition and youth financial development initiatives. We maintain strict compliance with federal regulations as an NCUA-insured institution while offering innovative services like mobile check deposit and digital account management. Our physical presence in Alpena, Michigan, combined with nationwide digital accessibility, ensures members receive both personal touchpoints and modern convenience. With over 30 years of continuous service, we've established a proven track record of helping members achieve their financial goals through transparent, member-focused solutions.
Services
Checking Accounts Savings Accounts Auto Loans Credit Cards Mortgage Loans Student Loans Commercial Lending Financial Education Mobile Banking Bill Pay Services
Highlights and features
  • We offer competitive loan rates that consistently outperform local institutions
  • Our 24/7 online banking platform provides complete account accessibility
  • We maintain personal relationships with members even after relocation
  • We provide $100 incentives for electronic loan document completion
  • Our financial literacy programs partner with GreenPath and ZOGO
Associations and certifications
  • National Credit Union Administration (NCUA)
What people say
Amazing customer service Competitive rates Personalized solutions Responsive support Financial education resources
Services
Mortgage Loans
Our mortgage solutions offer competitive rates starting at 6.909% APR with $500 closing cost discounts. We specialize in helping members achieve homeownership through personalized loan programs. Our experienced team guides clients through every step of the mortgage process.
Auto Loans
New and used auto loans available with rates starting at 4.25% and 5.50% APR respectively. We offer 90 days no payments on select loans. Our indirect lending program partners with local dealerships for convenient financing options.
Financial Education
Free financial literacy resources through partnerships with GreenPath and ZOGO. Programs cover budgeting, investing, and credit management. Our financial wellness program includes credit score monitoring and personalized coaching sessions.
Mobile Banking
24/7 account access through our mobile app with features like mobile check deposit and text banking. Manage accounts, pay bills, and monitor transactions securely from any device. Real-time alerts keep you informed of account activity.
Youth Programs
Specialized financial education for young members through Dollar Dog Kid's Club and Greenlight Debit Card Program. Youth development initiatives teach money management skills. Online account applications available for minors with parental consent.
Questions
How do I become a member?
Visit our website to complete an online application or contact us directly. Membership requires living or working in Alpena or Alcona counties.
What loan programs are available?
We offer auto loans, mortgages, student loans, personal loans, and commercial lending with competitive rates starting at 4.25% APR.
Do you offer online banking?
Yes, our 24/7 online banking platform allows account management, bill payment, and mobile check deposit from any device.
What financial education resources exist?
We provide free access to GreenPath financial counseling and ZOGO's interactive financial literacy app for members of all ages.
Are there youth banking programs?
Yes, our Dollar Dog Kid's Club and Greenlight Debit Card Program teach financial literacy to children and teens with parental involvement.
How quickly are loans processed?
Many loans are processed within 24-48 hours. Our electronic documentation system allows $100 incentives for completed digital applications.