ALPENA ALCONA AREA CREDIT UNION

Welcome to Alpena-Alcona Area Credit Union, your trusted partner in financial well-being since 1953. Located at 103 S State St, Oscoda, MI 48750, our branch is dedicated to serving the needs of our community with a personal touch. Whether you're looking for a savings account, an auto loan, or business banking services, we've got you covered. At Alpena-Alcona Area Credit Union, we take pride in our strong commitment to our members. With over 47,000 members and total assets exceeding $841 million, we are here to help you achieve your financial goals. Our team of 141 employees, led by CEO Donald Mills and Board President Charles Negro, is focused on providing exceptional service tailored to your individual needs. While members can visit us at our branch in Oscoda, please send any official correspondence to PO Box 279, Oscoda, MI 48750. We offer a variety of services including checking and savings accounts, mortgage loans, and credit cards with rewards ensuring that everyone in the community can find the right financial solutions. With total deposits reaching $146 million and a net worth of $97 million, you can trust that your money is safe with us. Our robust offerings also include more than 31,000 loans and leases, so whether you're purchasing a new vehicle or planning a family vacation, we are here to support you every step of the way. Come visit us or give us a call at 989-739-9103. Experience firsthand how we can make a difference in your financial journey. Join the Alpena-Alcona Area Credit Union family today! For more information about our services, check out our website at aaacu.com.

Welcome to the Alpena-alcona Area branch, a cornerstone of community banking in Oscoda, MI. Since opening our doors in 1953, we have proudly served our members and fostered growth within our community. Located at 103 S State St, just a stone's throw from the scenic shores of Lake Huron, our branch is more than just a financial institution; it's a place where relationships are built and dreams are nurtured. Over the years, we have witnessed tremendous growth and change. Today, with a total membership of over 47,000 and assets reaching an impressive $841,830,867, we remain dedicated to providing top-notch financial services while prioritizing our community's needs. Our commitment to excellence has helped us achieve significant milestones, from expanding our range of services to enhancing accessibility for all members. At Alpena-alcona Area, our mission is simple yet profound: to empower individuals and businesses through accessible financial solutions while fostering community growth and development. We believe that everyone deserves the opportunity to thrive financially. Whether you're looking for personal banking options like checking and savings accounts or seeking business loans and merchant services, we are here to support you every step of the way. While you can always visit us at our main location in Oscoda, official correspondence should be directed to PO Box 279, Oscoda, MI 48750. Our branch operates with convenient hours Monday through Thursday from 8:30 AM to 5:00 PM, Friday until 6:00 PM, and Saturday from 8:30 AM to 12:00 PM making it easy for you to access our services when you need them. We take pride in being more than just a bank; we're actively involved in local initiatives and partnerships that uplift our community. Whether through financial literacy programs or support for local charities, we strive to make a positive impact beyond transactions. In addition to traditional banking services, we embrace digital advancements with features like online banking and mobile payments. This ensures that you can manage your finances conveniently and securely. Plus, with drive-thru banking available for quick deposits and withdrawals, we're here to cater to your needs efficiently. As we look towards the future, we invite you to join us on this journey. Experience the benefits of membership at Alpena-alcona Area Credit Union by reaching out today at (989) 739-9103 or visiting us online at www.aaacu.com. Together, let's build a stronger community where everyone can achieve their financial goals!

At Alpena-alcona Area, we believe that everyone deserves access to a supportive financial community. Becoming a member is easy and welcoming! If you live, work, or worship in the areas we serve, you're likely eligible to join us. We also welcome family members of current members, so you can share the benefits of membership with your loved ones. The perks of being part of our community include personalized service, competitive rates on loans and savings, and a variety of financial products designed to meet your needs. To find out more about eligibility criteria, feel free to visit our website at http://www.aaacu.com/who-can-join for detailed information. Ready to take the next step? Opening an account with us is straightforward just head over to https://mortgage.gonms.org/default.asp?siteid=d49d4391-6ae5-48c3-a3c5-ddd61c063e3e . If you have any questions or need assistance, don't hesitate to call us at (989) 739-9103. We're here to help you every step of the way!

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. We are committed to providing a solid foundation for your financial journey, ensuring that you can trust us with your hard-earned money. 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 $1,153 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. Our lending capacity is robust; with $6,682 in used auto loans and $490,815,338 in total loans and leases, we support our members' financial goals across various sectors. Our operational efficiency is reflected in our $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. This dedicated team ensures our branches are always ready to serve you with knowledgeable support. 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 103 S State St Oscoda Mi 48750 or call (989) 739-9103 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.