Alpena Community Credit Union Alpena MI | Affordable Auto Loans & Personal Banking

Introduction

Welcome to Alpena Community Credit Union, your trusted financial partner located at 710 W Miller St, Alpena, MI 49707. Since our establishment in 1970, we've dedicated ourselves to serving our community and meeting the financial needs of our members. With a current membership of 2,317 individuals, we take pride in being an integral part of the Alpena community. At Alpena Community Credit Union, we believe in building strong relationships with our members. Our total assets stand at an impressive $32,086,009, and we manage deposits totaling $637,589. We understand that every member's journey is unique, which is why we offer a variety of services tailored to meet different financial goals from personal banking and auto loans to business banking solutions. Under the leadership of our CEO, Ann Boyk, and Board President, Ryan Suszek, we strive for excellence in customer service. Our dedicated team of 10 employees is here to assist you with any inquiries or services you may need. We have successfully granted a total of 1,163 loans and leases, reflecting our commitment to supporting our members' aspirations. While members can visit us at our branch for personalized assistance, official correspondence should be sent to the same address: 710 W Miller St, Alpena, MI 49707-1875. Whether you're looking for a new checking account or exploring loan options for your next vehicle purchase, we're here to help you make informed decisions. Feel free to reach out via phone at 989-356-4561 or explore our offerings online at Alpena Community Credit Union. Join us as we continue to grow together as a community!

Branch History & Mission

At Alpena Community, we take pride in our rich history and unwavering commitment to serving the community of Alpena, Michigan. Since our founding in 1970, we have been dedicated to providing quality financial services that empower our members to achieve their financial goals. Nestled at 710 W Miller St, Alpena, MI 49707, our branch has grown alongside the community it serves. With over 2,300 members and total assets exceeding $32 million, we've become a cornerstone in local banking. Our mission is simple yet profound: to offer financial solutions while fostering a strong sense of community. We understand that each member's journey is unique, which is why we provide personalized services ranging from checking and savings accounts to auto loans and mortgages. Our team works hard to ensure that everyone feels valued and supported on their financial path. In our early years, we focused primarily on basic banking services. As our membership grew, so did our offerings. We expanded into more complex products like personal loans and business banking solutions. Today, we also embrace technology with online and mobile banking options that allow our members to manage their finances conveniently. While members can visit us at our main office location at 710 W Miller St, official correspondence should be sent to the same address for clarity. Our operating hours are designed for accessibility; we're open Monday through Wednesday from 8:30 a.m. to 4:30 p.m., with extended hours on Thursday and Friday starting at 7:00 a.m. Alpena Community is not just about numbers; it's about people. We actively engage in community outreach programs and partner with local organizations to support various initiatives aimed at enhancing the lives of those around us. This commitment reflects our belief that financial health goes hand-in-hand with community well-being. As we look forward, we remain dedicated to innovation while upholding the values that make us who we are. Whether you're seeking a loan or looking for ways to save for the future, we invite you to join us. Experience the benefits of being part of Alpena Community where your financial well-being is our priority! For inquiries or assistance, feel free to reach out at 989-356-4561. Together, let's build a brighter financial future!

Branch Location & Accessibility

Get in Touch!

Feel free to call us at 989-356-4561 if you have questions or need assistance before visiting. We invite you to stop by and discover how Alpena Community Credit Union can support your financial journey. Your community bank is just around the corner come see us today!

Operating Hours and Services

We're here for you during convenient hours! Join us Monday through Wednesday from 8:30 a.m. to 4:30 p.m., Thursday and Friday from 7:00 a.m. to 4:30 p.m. Our dedicated team is ready to assist with various services, including checking and savings accounts, auto loans, mortgage options, personal loans, and credit card solutions all tailored to fit your lifestyle. If you're in need of quick service without leaving your car, take advantage of our drive-thru banking option where you can handle deposits and withdrawals with ease. While we do not have an ATM on site, our staff is always ready to help guide you through any cash withdrawal services you might need.

Parking and Accessibility

At our branch, you'll find ample parking available right outside, making it easy to pop in for your banking needs. We are committed to ensuring everyone can access our services, so you'll notice features such as ramps that comply with ADA standards. Whether you're stopping by for a quick transaction or planning a longer visit, we aim to make your experience as comfortable as possible.

Member Eligibility

Welcome to the Alpena Community, where becoming a member feels like joining a close-knit family! At Alpena Community, we invite you to explore how simple it is to become part of our supportive community. Membership is open to anyone who lives, works, or worships in Alpena County, and even those related to existing members can join us. This means that whether you're new to the area or have deep roots here, you can benefit from all the services we offer. By joining Alpena Community, you'll gain access to personalized financial solutions, competitive rates on loans, and friendly service from our dedicated team. Getting started is easy! Just visit our website at http://www.alpenacreditunion.com/become-a-member for more detailed eligibility information. If you're ready to take the next step towards membership, feel free to give us a call at (989) 356-4561 or stop by our branch located at 710 W Miller St Alpena Mi 49707 during our operating hours. We're excited to welcome you into our community and help you achieve your financial goals!

Business Banking & Commercial Services

Financing Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $38,052, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Matter

Imagine having a reliable partner handling your payment processing while you focus on what you do best growing your business. Our merchant services are designed with your needs in mind, offering easy and efficient payment solutions that ensure you get paid quickly and securely. Whether you're accepting card payments at a retail location or online, we've got you covered. Located at 710 W Miller St Alpena Mi 49707, we're here to support your entrepreneurial journey. Give us a call at (989) 356-4561 or visit us today to learn more about how our business banking services can help you reach new heights!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options make it easy to get behind the wheel without breaking the bank. We offer competitive rates and flexible terms so you can choose the plan that works best for your budget. Imagine driving off in your dream car with a payment plan that suits your lifestyle!

Business Banking Solutions

For our local entrepreneurs, we offer comprehensive business banking solutions, including merchant services and business loans tailored to help your business thrive. We believe in supporting our community's growth and success.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services that allow you to manage your accounts anytime, anywhere. Pay bills, transfer funds, and even deposit checks from the comfort of your home.

Drive-Thru Services for Quick Transactions

Need to make a quick deposit or withdrawal? Our basic drive-thru banking services allow you to handle simple transactions without leaving your car perfect for those busy days when time is of the essence. At Alpena Community, we pride ourselves on being more than just a credit union; we're a partner in your financial journey. We invite you to visit us at 710 W Miller St Alpena Mi 49707, call us at (989) 356-4561, or explore our website at https://www.alpenacreditunion.com/ to learn more about how we can serve you better. Join us today and experience the difference personalized service can make!

Financial Freedom with Personal Loans

Sometimes life throws unexpected expenses your way. Our personal loans and debt consolidation options provide the financial flexibility you need when emergencies arise or when you're looking to consolidate multiple debts into one manageable payment.

Home Sweet Home

Homeownership is a significant milestone, and our mortgage loans and refinancing options ensure that buying a home is within your reach. Whether you're looking to buy your first home or refinance an existing mortgage, our knowledgeable staff will guide you through the process step by step, making it as stress-free as possible.

Personal Banking Made Easy

We know that managing your personal finances can sometimes feel overwhelming. That's why our personal banking services, including checking and savings accounts, are tailored to help you save money and manage your day-to-day expenses effortlessly. Whether you're saving for a vacation, a new home, or just building an emergency fund, we have the right account for you.

Rewards with Every Swipe

Don't forget about our credit cards with rewards! Enjoy cash back on everyday purchases while managing your spending wisely. It's like getting rewarded for being responsible with your finances!

Digital & Online Banking

Key Features of Our Digital Banking Services

Our online banking portal is available 24/7 at https://www.alpenacreditunion.com/, allowing you to check balances, transfer funds, and pay bills whenever it suits you. You can also enjoy the flexibility of e-statements, helping you stay organized and reducing paper clutter. Plus, if you're on the go, our mobile application ensures you have full access to your accounts right from your smartphone. Need to make a quick payment? Our mobile payments feature allows you to send money easily using just your phone. Whether it's splitting a dinner bill or paying back a friend, our person-to-person transfers make transactions simple and fast.

Security and Accessibility

Security is a top priority for us. With electronic signature authorization available, signing documents online is both secure and convenient. You can feel confident knowing that your information is protected while taking advantage of our modern banking solutions. All these features are designed with you in mind making banking not just easier but more accessible than ever. Whether you're at home or out and about, managing your money is always within reach with Alpena Community's digital banking services. Embrace the ease of online banking today!

Financial Strength

At Alpena Community, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We pride ourselves on our strong financial position, which allows us to provide quality services that our members can trust. With a net worth of $4,034,341, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,257 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $229,523 in share certificates and $3,275,690 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. In addition to this strong backing, we boast $3,270,946 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $274 in used auto loans and $14,711,085 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our commitment to operational efficiency is reflected in our $763,395, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 8 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $229,307. Total Share and Deposit Accounts: 4,927, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Alpena Community is your trusted partner. Visit us at 710 W Miller St Alpena Mi 49707 or call (989) 356-4561 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $3,700,317 in used vehicle loans and $1,626,154 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new model or a reliable pre-owned vehicle, we can guide you through the process with competitive rates and flexible terms.

Business Financing

For business owners, our outstanding commercial loans totaling $38,052 provide the capital needed to grow and expand. We understand the unique challenges that come with running a business and are here to support your entrepreneurial journey. If you're considering refinancing any existing loans or would like to know more about eligibility options for our products, please don't hesitate to reach out. For more information about our loan offerings or to speak with one of our representatives, feel free to contact us at (989) 356-4561 or visit us at 710 W Miller St Alpena MI 49707. We're here to assist you Monday through Friday during regular business hours. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step toward achieving your financial dreams!

Credit Lines

Our total credit lines amount to $5,000,000, giving you access to funds when you need them most. This option can be useful for managing unexpected expenses or making larger purchases without the hassle of applying for multiple loans.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $264,503, make buying or refinancing simple. We provide personalized service to help you find the right mortgage solution that fits your budget and needs.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $254,556 in loans helping members manage their finances effectively. These cards come with low rates and no annual fees perfect for everyday purchases or emergencies.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers come from legitimate financial institutions. This commitment to sourcing ensures transparency in what you see and what you can expect. - No Sponsored Listings: Unlike many comparison tools, LendMesh does not prioritize lenders based on paid promotions. Our goal is to provide unbiased results that truly reflect the best options available. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, LendMesh empowers users to make informed decisions quickly. You can trust that the information you receive reflects current market conditions. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This means you receive offers that are not only competitive but also fair and transparent. Each loan offer is carefully vetted to ensure it meets these high standards, giving you peace of mind.