Alpena-Alcona Credit Union Oscoda MI | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to the Alpena-alcona Area Credit Union branch, known as Owl's Nest, located at 3550 E River Rd, Oscoda, MI 48750. Since our establishment in 1953, we have proudly served our community with a steadfast commitment to member satisfaction and financial empowerment. With over 47,000 members and total assets exceeding $841 million, we are dedicated to providing personalized financial services that meet your needs. At Owl's Nest, we understand the importance of trust and reliability when it comes to managing your finances. Whether you're looking for a new auto loan, mortgage options, or personal banking solutions, our knowledgeable team is here to help you every step of the way. Our CEO, Donald Mills, along with our Board President, Charles Negro, lead a passionate group of 141 employees focused on making a positive impact in our community. While members can visit us at our branch location, official correspondence should be sent to 103 S State Street, Oscoda, MI 48750. We encourage you to explore our range of services including checking and savings accounts, business banking solutions, and online banking options all designed with you in mind. With total loans amounting to 31,893 and deposits reaching an impressive $146 million, we strive to maintain a strong financial foundation that benefits all members. Our net worth stands at $97 million, ensuring that your money is secure and well-managed. If you're ready to take the next step towards achieving your financial goals or simply want to learn more about what we offer, don't hesitate to reach out! Call us at 989-354-1593 or visit our website at aaacu.com. Let's work together towards a brighter financial future!

Branch History & Mission

Community Commitment

At Alpena-alcona Area, we are not just about banking; we are about building relationships. Our commitment extends beyond financial transactions as we engage in various outreach programs aimed at improving the lives of residents in Oscoda and surrounding areas. Whether through educational workshops or local sponsorships, we strive to uplift our community and make a positive impact. While members can visit us at 3550 E River Rd, official correspondence should be sent to 103 S State Street, Oscoda, MI 48750. Our operating hours are Tuesday and Thursday from 11:00 AM to 12:30 PM. Although we do not have ATM or drive-thru services at this location, we are pleased to offer shared service center availability for your convenience.

Innovative Services

As part of our mission to enhance member experience, we've embraced technology with online and mobile banking options that allow you to manage your finances effortlessly from anywhere. From personal loans and debt consolidation to credit cards with rewards, our range of services is designed with you in mind. Join us today at Alpena-alcona Area and discover how we can help you navigate your financial journey. Visit our website at aaacu.com for more information or call us at 989-354-1593. Experience the difference that community-focused banking can make!

Our Story

Alpena-alcona Area began its journey with a small group of dedicated members who shared a vision of accessible financial services for everyone. Over the years, we have grown significantly, now boasting a total membership of over 47,000 members and assets exceeding $841 million. Our branch at 3550 E River Rd, Oscoda, MI 48750 has become a trusted place for personal banking needs, auto loans, mortgages, and business services. Our mission is simple yet profound: to provide exceptional financial services that empower our members while actively supporting the communities we serve. We believe in putting people first, ensuring that our offerings are tailored to meet the diverse needs of those around us.

Branch Location & Accessibility

Call to Action

We invite you to stop by and experience the friendly service that makes Alpena-Alcona Area stand out. Whether you're a long-time member or new to the credit union family, we're excited to meet you! Visit us soon at 3550 E River Rd or call us for more information about how we can help with your financial journey.

Local Landmarks and Accessibility

Situated near the scenic shores of Lake Huron and close to local parks, our branch is easy to find and access. Parking is available right outside, making your visit convenient whether you're driving or walking. Our location is fully ADA compliant, ensuring that everyone can enjoy our services without hassle.

Operating Hours

We know how busy life can get! That's why our lobby hours are designed with you in mind. You can visit us on Tuesdays and Thursdays from 11:00 AM to 12:30 PM. If you have questions or need help outside these hours, feel free to give us a call at 989-354-1593. We're always happy to assist!

Services Offered

At the Alpena-Alcona Area branch, we offer a range of services tailored for your needs. From personal banking options like checking and savings accounts to vehicle financing and mortgage loans, we have everything you might require. We also provide basic shared branch transactions for partner credit union members so that you can manage your finances effortlessly. Although we do not have an ATM or drive-thru service at this location, we make up for it with our online and mobile banking options. You can take care of most transactions from the comfort of your home!

Member Eligibility

Welcome to the community at Alpena-alcona Area! We're excited to share that becoming a member is an easy and welcoming process. If you live, work, worship, or attend school in Iosco County, you're already eligible to join us. Our doors are open to those who simply want to be part of a supportive financial family. At Alpena-alcona Area, we pride ourselves on offering personal banking services tailored to your needs, whether it's checking accounts, auto loans, or credit cards with rewards. To get started, just visit our website for more details on membership eligibility at http://www.aaacu.com/who-can-join. You can also open your account online by following the link here: https://mortgage.gonms.org/default.asp?siteid=d49d4391-6ae5-48c3-a3c5-ddd61c063e3e. If you have any questions or need assistance, feel free to give us a call at (989) 354-1593. We can't wait to welcome you into our community at 3550 E River Rd Oscoda Mi 48750!

Business Banking & Commercial Services

Merchant Services That Work

In addition to loans, we offer merchant services that simplify payment processing. Imagine being able to accept payments seamlessly from your customers while managing cash flow more effectively. Our solutions ensure that your transactions are quick and secure, allowing you to focus on what matters most running your business. Located at 3550 E River Rd, Oscoda, MI 48750, our team is ready to partner with you on your financial journey. Reach out to us at 989-354-1593 and discover how we can help your business thrive!

Tailored Loan Solutions

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.

Comprehensive List Of Services

Business Banking

For business owners, Alpena-alcona Area offers comprehensive banking solutions that support growth and efficiency. From merchant services that simplify payment processing to business loans designed to fuel your ambitions, we're here to help turn your ideas into reality.

Digital Banking

In today's fast-paced world, convenience matters. That's why we provide robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. Check balances, pay bills, and transfer funds with just a few taps on your device. Plus, our ATM and cash withdrawal services ensure easy access to your money when you need it.

Personal Banking

Our personal banking options are designed with you in mind. Open a checking or savings account that fits your lifestyle and helps you manage your finances efficiently. Need a new car? Our auto loans and vehicle financing solutions make it easy to drive away in the vehicle you want. If you're considering homeownership or refinancing your current mortgage, our mortgage loans provide flexible options suited to your budget. We also understand that life can throw unexpected challenges your way. That's why we offer personal loans and debt consolidation services to help you get back on track without added stress. Additionally, enjoy the benefits of our credit cards with rewards, allowing you to earn while spending on everyday purchases.

Shared Branch Transactions

If you're a member of a partner credit union, take advantage of basic shared branch transactions at Alpena-alcona Area. We facilitate deposits and withdrawals, so you can manage your finances seamlessly even while traveling or away from home. In summary, whether you're interested in personal banking services like checking accounts and auto loans or business solutions such as loans and merchant services, Alpena-alcona Area has something for everyone. We prioritize accessibility through our digital banking options and shared branch transactions for our members' convenience. Ready to experience these services firsthand? Visit us at 3550 E River Rd Oscoda Mi 48750, call us at (989) 354-1593, or explore more about what we offer on our website here. Join us today and let's work together towards achieving your financial goals!

Digital & Online Banking

Accessing Your Accounts

Our online banking platform is user-friendly and accessible through https://www.aaacu.com/. You can check balances, view transaction history, and transfer funds with just a few clicks. Plus, if you're always on the go, our mobile application lets you handle your banking right from your smartphone.

Key Features for Your Convenience

We know how important it is for you to have control over your money. That's why we offer features like e-statements, which allow you to receive your account statements electronically. This not only helps you stay organized but also reduces paper waste. With electronic signature authorization, signing documents online is a breeze, making transactions quicker and more efficient. Need to send money to friends or family? Our person-to-person transfer feature makes it simple to send cash directly from your account without any hassle. And if you prefer using mobile payments, we've got you covered! You can make purchases with ease using your smartphone no need to carry cash or cards.

Security You Can Trust

At Alpena-alcona Area, security is a top priority. We utilize advanced encryption technology to keep your information safe while you bank online. You can feel confident knowing that your data is protected every time you log in. Experience the freedom of real-time account management with our comprehensive digital banking solutions. Whether you're at home or on the move, Alpena-alcona Area makes it easy for you to take charge of your finances securely and conveniently. Embrace the future of banking today!

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. Our commitment to sound financial practices ensures that we are well-equipped to support you in your financial journey. 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. Our lending capacity supports members' financial goals across various sectors with $6,682 in used auto loans and $490,815,338 in total loans and leases. 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 and 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 3550 E River Rd Oscoda MI 48750 or call 989-354-1593 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

Additional Financial Solutions

For those looking for extra support in business ventures, our outstanding commercial loans totaling $31,560,779 provide the capital needed to grow and expand. We also have substantial credit lines available amounting to $42,833,333, which can be utilized for various purposes. If you're considering refinancing or exploring eligibility options for any of our loan products, please reach out. We're here to guide you through the process and help find the right solution tailored for you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. For more information about our loan offerings or if you're ready to take the next step towards your financial goals, give us a call at (989) 354-1593 or visit us at our branch located at 3550 E River Rd Oscoda Mi 48750 in Oscoda, MI. We look forward to assisting you!

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 purchasing a brand-new model or a reliable used vehicle, our competitive rates ensure that financing is accessible for everyone.

Credit Card Loans

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. This option allows you to make purchases while enjoying the convenience of manageable payment plans.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Although we currently do not have Junior Lien 1-4 Family Residential Properties loans available, we encourage you to explore our other lending solutions that can assist with home-related expenses.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing data 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 commitment to regulatory compliance guarantees that users receive fair and transparent offers tailored to their needs.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that they are looking at reliable options. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This level playing field allows users to compare loans without hidden agendas. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions ensure that users have the most current information available. This helps them make decisions based on the latest market conditions. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the real-world benefits of using this tool. 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.*

Alpenaalcona Area