Alpena-Alcona Area Credit Union Lincoln MI | Quick Personal Loans & ATM Services

Introduction

Welcome to Alpena-alcona Area, your trusted financial partner right here in Lincoln, MI! Located at 51 N Barlow Road, our branch has been serving the community since 1953. With a strong commitment to our members, we proudly support over 47,316 individuals and families, helping them achieve their financial goals through personalized banking solutions. At Alpena-alcona Area, we understand that every member has unique needs. Whether you're looking for a reliable checking account, a loan for your next vehicle, or resources for starting your own business, we've got you covered. Our total assets of $841,830,867 and total deposits reaching $146,256,962 highlight our stability and dedication to fostering growth within our community. We're proud of our leadership team, including CEO Donald Mills and Board President Charles Negro, who guide us in providing exceptional service and innovative financial products. Our dedicated staff of 141 employees is always ready to assist you with anything from personal loans to business banking services. While you can visit us at our Lincoln location for all your banking needs, please note that official correspondence should be sent to PO Box 58, Lincoln, MI 48742. If you have any questions or want to learn more about how we can help you thrive financially, don't hesitate to reach out! Give us a call at 989-464-5694 or explore our services online at aaacu.com. We look forward to welcoming you into the Alpena-alcona Area family!

Branch History & Mission

Community Engagement

Our commitment extends beyond transactions. We actively participate in local events and initiatives that foster growth and unity within Lincoln and the surrounding areas. From financial education workshops to community sponsorships, we are here for you every step of the way. We understand the importance of evolving with technology while maintaining accessibility for all members. Our digital services include online banking, mobile payments, e-statements, and person-to-person payment options. This ensures that managing your finances is both easy and secure.

Join Us

If you're looking for a credit union that prioritizes your financial well-being and community connection, we invite you to explore what Alpena-Alcona Area Credit Union has to offer. Experience the benefits of membership today! Reach out at (989) 464-5694 or visit us during our lobby hours: Monday, Wednesday, and Friday from 11:02 AM to 12:34 PM. Join us on this journey towards financial empowerment! Together, let's build a brighter future for you and your family in Lincoln.

Our Mission

At Alpena-Alcona Area Credit Union, our mission is clear: we strive to empower our members by offering a range of financial services designed to meet their needs. We focus on personal banking options such as checking and savings accounts, auto loans, mortgage loans, personal loans, credit cards with rewards, and business banking solutions. But we don't stop there; we believe in giving back to the community that supports us. Our outreach initiatives aim to enhance local life through various partnerships and programs that uplift our neighbors. While members can visit us at 51 N Barlow Road Lincoln Mi 48742, official correspondence should be sent to PO Box 58, Lincoln, MI 48742. Our location is easily accessible and near key landmarks that make it convenient for you to stop by.

Branch Location & Accessibility

Accessibility Features

Our branch is designed with your comfort in mind. We offer parking right outside the door and ensure that our facilities meet accessibility standards. You'll find ramps and wide entryways, making it easy for everyone to access our services.

Connect With Us

Have questions or want more information? Don't hesitate to call us at 989-464-5694. We're here to help you make the most of your financial journey! Come visit us today at Alpena-Alcona Area Credit Union and discover how we can assist you on your path to financial success.

Operating Hours

We understand that your time is valuable. That's why we're open on Mondays, Wednesdays, and Fridays from 11:02 AM to 12:34 PM. We encourage you to stop by during these hours when we're ready to provide personalized assistance.

Services Offered

At Alpena-Alcona Area Credit Union, we pride ourselves on offering a range of services tailored to meet your needs. From checking and savings accounts to auto loans and mortgage financing, we have something for everyone. Our online and mobile banking options allow you to manage your finances on the go. Although we do not have ATM services or drive-thru banking at this location, we do participate in shared service centers, providing basic transactions like deposits and withdrawals for members of partner credit unions.

Member Eligibility

At Alpena-alcona Area, we believe in fostering a warm and welcoming community where everyone can thrive. Becoming a member is not just about opening an account; it's about joining a family that supports your financial goals. If you live, work, worship, or attend school in Alcona County or surrounding areas, you're already eligible to join us! We also invite immediate family members of existing members to become part of our community. The benefits of membership are plentiful from personalized service to competitive rates on loans and savings accounts, you'll find that we truly care about your financial well-being. Ready to take the next step? Opening an account at Alpena-alcona Area is a breeze! You can learn more about the eligibility details by visiting our website at this link. If you're interested in starting the process right away, head over to [this page]( https://mortgage.gonms.org/default.asp ?siteid=d49d4391-6ae5-48c3-a3c5-ddd61c063e3e ) for account opening information. Should you have any questions or need assistance, feel free to give us a call at 9894645694. We look forward to welcoming you to our branch located at 51 N Barlow Road Lincoln Mi 48742!

Business Banking & Commercial Services

Lending Options That Fuel 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 Tailored for Your Needs

In addition to our robust lending options, we offer essential merchant services that simplify payment processing for your business. Imagine seamlessly accepting payments from your customers, whether they prefer credit cards or mobile payments. Our services are designed to enhance your operations and keep your cash flow steady. Located at 51 N Barlow Road Lincoln Mi 48742 in Lincoln, MI, we're here to help you take your business to the next level. Contact us today at (989) 464-5694 to learn more about how we can support your business goals!

Comprehensive List Of Services

Business Banking Support

If you're a business owner, our business banking services are designed to support your growth. From merchant services to business loans, we're here to help you navigate financial decisions and enhance your company's success.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why Alpena-alcona Area offers robust online and mobile banking options. Manage your accounts from anywhere whether you're making deposits, transferring funds, or paying bills our digital tools make banking simpler than ever before.

Flexible Personal Loans

Sometimes life throws unexpected expenses your way. That's where our personal loans come into play. Whether you need funds for home repairs or debt consolidation, we offer flexible terms and reasonable rates that allow you to regain control over your finances.

Home Ownership Assistance

Dreaming of home ownership? Our mortgage loans and refinancing options can help turn that dream into reality. We guide you through every step of the mortgage process, ensuring you understand all your choices and can select the best option for your needs.

Personal Banking Solutions

When it comes to personal banking, we have you covered. Our checking and savings accounts are designed to help you manage your everyday transactions while saving for the future. Whether you're budgeting for a family vacation or setting aside funds for a new home, our accounts offer competitive rates and features that fit your lifestyle.

Rewarding Credit Card Options

With our credit cards featuring rewards programs, every purchase can bring you closer to exciting benefits. Whether you're looking to earn cash back or travel rewards, our credit cards provide value with each swipe.

Shared Branch Transactions

As part of our commitment to community banking, we also provide basic shared branch transactions for partner credit union members. This means if you're traveling or away from home, you can still access essential services like deposits and withdrawals at participating locations. Whether you're visiting us at 51 N Barlow Road Lincoln Mi 48742 or reaching out by phone at (989) 464-5694, we're here to assist you with all your financial needs. Explore our services further on our website at https://www.aaacu.com/ or stop by during lobby hours on Monday, Wednesday, or Friday between 11:02 AM and 12:34 PM. Your financial journey is important to us, so why not take the next step today? Join Alpena-alcona Area and experience personalized service tailored just for you!

Vehicle Financing Made Easy

For those looking to purchase a new car or refinance an existing auto loan, our auto loans and vehicle financing options make the process straightforward. We understand that reliable transportation is essential, so we work hard to provide financing solutions that help you hit the road without breaking the bank.

Digital & Online Banking

Key Services

Our online banking features include everything you need for real-time account management. Need to check your balance or pay bills? You can do it all with just a few clicks. Plus, if you prefer to go paperless, we provide e-statements that let you view your account information securely online another step towards keeping your financial life organized and environmentally friendly. For added flexibility, we also support electronic signature authorization, making it easier than ever to sign documents without needing to visit a branch. You can complete transactions quickly and safely from the comfort of your own home. If you're always on the move, our mobile application is perfect for you. With this tool, you can send money through person-to-person transfers or make mobile payments effortlessly. Just download our app and experience the ease of banking right from your smartphone.

Security and Accessibility

Security is our top priority. Our digital banking services are designed with safety features that protect your personal information while giving you full control over your accounts. You can rest easy knowing that your data is secure as you manage your finances online. Whether it's day or night, our 24/7 online banking services ensure you're never far from your financial needs. Whether you're checking balances late at night or transferring funds during lunch breaks, we've got you covered. In summary, Alpena-alcona Area offers a full suite of digital and online banking options tailored to fit modern lifestyles. We're committed to providing accessible, user-friendly solutions that keep your financial goals within reach. Explore all these convenient features today at https://www.aaacu.com/ !

Financial Strength

At Alpena-alcona Area, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. 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. 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. 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. Additionally, with $66,682 in used auto loans and a total of $490,815,338 in loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency is reflected in our net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. 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, committed team. Net Shares (Funds available for lending and investments): $6,556,985. Total Share and Deposit Accounts: 113,143, 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-alcona Area is your trusted partner. Visit us at 51 N Barlow Road Lincoln Mi 48742 or call 989-464-5694 to learn more about how we can help you achieve your financial goals.

Loan Offering

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 considering a brand-new model or a reliable used car, our team is here to assist you every step of the way.

Business Financing

For business owners seeking growth opportunities, our outstanding commercial loans totaling $31,560,779 provide the capital needed to expand operations and invest in new ventures. If you're interested in refinancing any of these loan products or want to check your eligibility for any of our offerings, please don't hesitate to reach out. You can contact us at (989) 464-5694 for more information. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We look forward to partnering with you on your financial journey!

Credit Lines

For those who prefer having access to funds when needed, our credit lines amounting to $42,833,333 provide an excellent solution for managing unexpected expenses or funding personal projects.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. While we currently do not have Junior Lien 1-4 Family Residential Properties loans available, we encourage you to stay connected for future offerings that may align with your needs.

Unsecured Credit Card Loans

Managing finances effectively can sometimes require additional flexibility. We also offer flexible terms on unsecured credit card loans, with a total of $38,874,727 in loans helping members navigate their expenses without the burden of collateral.

Loan Aggregator

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