Alpena-Alcona Area Credit Union Lincoln MI | Best Auto Loans & Business Banking

Introduction

Welcome to Alpena-alcona Area, your trusted financial partner located at 111 S Church St, Lincoln, MI 48742. Established in 1953, our credit union has been committed to serving the community for over 70 years. With a growing membership of 47,316 and total assets of $841,830,867, we pride ourselves on being a reliable source for all your banking needs. At Alpena-alcona Area, we understand that every member's financial journey is unique. That's why we offer a wide range of services tailored just for you from checking and savings accounts to auto loans and mortgage options. We have processed 31,893 loans and leases, demonstrating our dedication to helping you achieve your financial goals. Our CEO, Donald Mills, alongside Board President Charles Negro, leads a team of 141 employees who are passionate about providing exceptional service. We also ensure that our members have access to their funds whenever needed with convenient ATM services and drive-thru banking. While members can visit us at our branch location, official correspondence should be sent to PO Box 58, Lincoln, MI 48742 if necessary. If you have questions or need assistance, feel free to reach out by calling us at (989) 736-8912. Join us today and experience the difference with Alpena-alcona Area Credit Union! For more information or to explore our services further, please visit our website at aaacu.com. Your financial well-being is our priority!

Branch History & Mission

Community Focus

We take pride in being an active part of the Lincoln community. Our partnerships and outreach efforts reflect our dedication to making a positive impact in the lives of those around us. From sponsoring local events to providing educational resources about financial literacy, we strive to be a valuable asset within Alcona County. In addition to traditional banking services, we have embraced technology by offering online and mobile banking options that allow you to manage your finances easily and securely from anywhere. With ATM availability and drive-thru services at our branch, accessing your funds is more convenient than ever.

Join Us Today

As we continue to grow and evolve, we invite you to become part of the Alpena-alcona Area family. Experience firsthand how our personalized approach makes banking easier and more rewarding. For any inquiries or assistance, feel free to reach out at 989-736-8912. Together, let's work towards achieving your financial goals!

Our Mission

Our mission is simple yet profound: to empower our members through accessible financial solutions and dedicated community support. We believe in building a brighter future for everyone we serve. Whether you are seeking personal banking options like checking and savings accounts, auto loans, or mortgage refinancing, our team is here to guide you every step of the way. We also offer business banking services because we understand the importance of supporting local enterprises. While members can visit us at our Lincoln branch for all their banking needs, official correspondence should be sent to PO Box 58, Lincoln, MI 48742. Our operating hours are designed for your convenience: Monday through Thursday from 8:30 AM to 5 PM, Friday until 6 PM, and Saturday from 8:30 AM to 12 PM.

Branch Location & Accessibility

Convenient Access and Nearby Landmarks

Located near popular local spots, our branch is easily accessible for everyone in the community. You can find us just a short drive from the Lincoln Community Center and right next to the scenic Alcona County Park. We offer ample parking for our members, along with ADA-compliant features such as ramps to ensure everyone can access our services comfortably.

Friendly Banking Hours

We understand that life can get busy, which is why we've designed our operating hours to fit your schedule. Visit us Monday through Thursday from 8:30 AM to 5:00 PM, Friday from 8:30 AM to 6:00 PM, and Saturday from 8:30 AM to noon. Our team is ready and waiting to assist you during these hours.

Join Us Today!

We invite you to come by and experience the friendly atmosphere at Alpena-Alcona Area Credit Union's Lincoln Office. If you have any questions or need assistance before your visit, don't hesitate to call us at 989-736-8912. We look forward to welcoming you!

Services Tailored for You

At Alpena-Alcona Area Credit Union, we pride ourselves on offering a wide range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Plus, enjoy the convenience of drive-thru banking for quick transactions like deposits and withdrawals. If you need cash quickly, we have an ATM available at our location. And if you're a member of another participating credit union, feel free to take advantage of our shared service center for deposits and withdrawals. While members can visit us at our branch address mentioned above, official correspondence should be sent to PO Box 58, Lincoln, MI 48742.

Member Eligibility

Becoming a member of Alpena-alcona Area is like joining a family that genuinely cares about your financial well-being. If you live, work, worship, or attend school in Alcona County or the surrounding areas, you're already on the path to membership! We believe that everyone deserves access to quality financial services, and our community-oriented approach makes it easy for you to join. With an array of benefits designed to support your needs like competitive rates on loans and savings accounts you'll quickly see how being part of Alpena-alcona Area enhances your financial journey. To find out more about the specific eligibility criteria and ensure you qualify, feel free to check out our detailed guide at http://www.aaacu.com/who-can-join. When you're ready to take the next step and open an account with us, simply visit https://mortgage.gonms.org/default.asp?siteid=d49d4391-6ae5-48c3-a3c5-ddd61c063e3e. If you have any questions along the way, don't hesitate to reach out at (989) 736-8912. We're here to help you every step of the way!

Business Banking & Commercial Services

Business Loans That Propel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $298 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $6 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $31,560,779, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services for Everyday Success

In addition to loans, our merchant services make everyday transactions easier. Imagine having a reliable payment processing system that allows you to accept payments seamlessly, whether it's in-person or online. This not only enhances customer experience but also streamlines your operations, letting you focus on what matters most growing your business. Visit us at 111 S Church St Lincoln Mi 48742 in Lincoln, MI, or call us at (989) 736-8912 to learn how we can assist you in achieving your business goals!

Comprehensive List Of Services

Business Banking

For entrepreneurs and small business owners, we provide business banking solutions including merchant services and business loans that can help elevate your business to new heights. We recognize the importance of supporting local businesses in our community.

Credit Cards

Our credit cards come with rewards that can benefit you on everyday purchases. Whether it's cash back or points towards travel, you'll find a card that fits your lifestyle perfectly.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we have prioritized our digital banking features. With online and mobile banking capabilities, accessing your accounts has never been easier. You can also use our ATM services for quick cash withdrawals or balance checks without stepping into the branch.

Drive-Thru and Shared Services

For those who prefer face-to-face interactions but need a quick transaction, our basic drive-thru banking allows you to handle deposits and withdrawals on the go. Plus, as part of a network of partner credit unions, shared branch transactions enable members from other institutions to access basic banking services at our location. Whether you're managing personal finances or running a business, Alpena-alcona Area is committed to providing the tools and resources necessary for success. We invite you to visit us at 111 S Church St Lincoln Mi 48742 in Lincoln, MI, or give us a call at (989) 736-8912. Let us help you achieve your financial goals today!

Loans and Financing

When it comes to financing, we have you covered with options like auto loans and vehicle financing. If you're dreaming of that new car, we can help turn that dream into reality with competitive rates tailored for you. Additionally, our mortgage loans and refinancing options make homeownership more attainable than ever. If you're dealing with debts, consider our personal loans and debt consolidation services designed to simplify your payments and potentially lower your interest rates.

Personal Banking

We offer various personal banking services to meet your everyday needs. Whether you're looking to open a checking or savings account, our accounts come with features that make managing your finances easy and convenient. Imagine having access to your funds anytime through online and mobile banking, which allows you to check balances, transfer money, and pay bills right from your smartphone.

Digital & Online Banking

Key Features

Our online banking services provide 24/7 access to your accounts, allowing you to check balances, pay bills, and transfer funds with just a few clicks. Want to send money to a friend? Our person-to-person transfer feature makes it simple and quick. Plus, if you prefer using your mobile device, our mobile application is available for download, offering all the functionalities you need right at your fingertips. We also prioritize your security with features like electronic signature authorization. This means you can sign documents electronically without the hassle of printing or mailing perfect for when you're on the go. And with e-statements available, you can opt for paperless statements that are not only environmentally friendly but also easily accessible from anywhere.

User-Friendly Experience

Managing your finances has never been easier. With our mobile payments feature, you can make purchases directly from your smartphone, streamlining your shopping experience. Everything is designed to be user-friendly so that whether you're tech-savvy or just getting started with digital banking, you'll feel confident navigating through our services. By choosing Alpena-alcona Area, you gain access to real-time account management and a suite of tools that make banking not just easier but also more enjoyable. Join us today and discover how our digital banking solutions can empower you to take control of your financial journey!

Financial Strength

Committed Team

We also take pride in having 126 full-time employees and 15 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Total Share Accounts stand at 113,143, showing a strong and growing member base that trusts us with their finances.

Conclusion

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Alpena-alcona Area is your trusted partner. Visit us at 111 S Church St Lincoln Mi 48742 or call 989-736-8912 to learn more about how we can help you achieve your financial goals.

Reinvesting for Your Benefit

With $84,782,367 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our robust lending capacity supports your financial goals with $66,820 in used auto loans and a total of $490,815,338 in loans and leases.

Secure Savings Opportunities

Members' savings are secured through $213,489,533 in share certificates and $170,811,255 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.

Strong Financial Health

With a net worth of $97,125,352, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.53% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Options

If you're considering refinancing or checking eligibility options for any of our loan products, we encourage you to reach out. Our team is ready to discuss how we can assist you in finding the right loan tailored to your needs. At Alpena-alcona Area, we're committed to transparency and customer service. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Contact us today at (989) 736-8912 or visit us at 111 S Church St Lincoln Mi 48742 in Lincoln, MI, and take the first step towards achieving your financial aspirations!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $100,116,558 in used vehicle loans and $36,362,271 in new vehicle loans already helping members get on the road. Whether you're interested in a new or used vehicle, our financing options can fit your budget and lifestyle.

Business Loans

For business owners, our outstanding commercial loans totaling $31,560,779 provide the capital needed to grow and expand. We understand the unique challenges faced by businesses today and are here to support you with customized lending solutions.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $0, make buying or refinancing simple. We guide you through every step of the process so that you can secure the best possible deal for your dream home.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging, which is why we also offer flexible terms on unsecured credit card loans. With a total of $38,874,727 in loans helping members manage their finances effectively, our credit cards are designed to give you the purchasing power you need without overwhelming debt.

Loan Aggregator

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Ensuring Accurate 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 compliance ensures that users receive fair and transparent offers. By using verified financial institutions, LendMesh guarantees that the information you see is accurate and reliable.