Alpena-Alcona Area Credit Union Ossineke MI | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to the Alpena-Alcona Area Credit Union, your trusted financial partner nestled in the heart of Ossineke, MI. Located at 11610 Us Highway 23 S, our branch has been serving the community since 1953. We take pride in being more than just a financial institution; we are a vital part of our members' lives, dedicated to helping you achieve your financial dreams. With over 47,316 members and a robust asset base of $841,830,867, we are committed to providing personalized services that cater to your unique needs. Our offerings include everything from checking and savings accounts to auto loans and business financing, all designed with your success in mind. Currently, we have extended 31,893 loans, totaling $146,256,962 in deposits that reflect the trust our community places in us. While members can visit us at our Ossineke location, official correspondence should be sent to our mailing address: PO Box 84, Ossineke, MI 49766. Our team of 141 employees, led by CEO Donald Mills and Board President Charles Negro, is here to assist you with any questions or concerns. You can reach us at (989) 471-2332 during our convenient operating hours: Monday through Thursday from 8:30 AM to 5:00 PM, Friday until 6:00 PM, and Saturday until noon. At Alpena-Alcona Area Credit Union, we understand that every member's journey is different. That's why we emphasize community impact and member commitment in everything we do. Whether you're looking for simple banking solutions or complex business loans, we're here to help you thrive. Ready to take the next step? Visit our website at aaacu.com or call us today! Your financial future starts here!

Branch History & Mission

A Legacy of Growth

The journey of Alpena-alcona Area is rich with milestones that highlight our dedication to community and service. From our humble beginnings, we have continuously evolved to meet the financial needs of our members. We understand that our success is intertwined with the well-being of those we serve. As a result, we've built strong relationships through personalized service and innovative banking solutions. Our branch is conveniently located at 11610 Us Highway 23 S, Ossineke, MI 49766 just a stone's throw from beautiful local parks and community centers that reflect the spirit of Ossineke. This prime location allows us to easily connect with members and support local initiatives.

Community Engagement

Our commitment goes beyond banking; it extends into community involvement and outreach programs. We partner with local organizations to support various causes that matter most to our members. By actively engaging with the community, we aim to make a positive impact on the lives of those around us. While members can visit us at 11610 Us Highway 23 S Ossineke Mi 49766, official correspondence should be sent to PO Box 84, Ossineke, MI 49766 if needed. For any questions or assistance, don't hesitate to reach out at (989) 471-2332 during our operating hours: Monday through Thursday from 8:30 AM - 5:00 PM, Friday until 6:00 PM, and Saturday until noon.

Join Us Today!

As we look toward the future, we invite you to join Alpena-alcona Area Credit Union. Experience firsthand how we prioritize your financial needs while making a difference in the community. Discover the benefits of membership today by visiting our website or contacting us directly!

Our Mission

At Alpena-alcona Area, our mission is clear: to empower our members by providing accessible financial services while supporting the growth and development of our community. We believe in creating opportunities for everyone, whether it's through personal banking options like checking accounts and auto loans or business banking services tailored for local entrepreneurs. We are dedicated to ensuring that all members have access to essential financial resources while fostering an inclusive environment. We take pride in being ADA compliant and continuously enhancing our digital platforms for online and mobile banking convenience.

Branch Location & Accessibility

Accessibility and Features

At our Ossineke Office, we prioritize convenience and accessibility. Our location features ample parking and is fully ADA-compliant, ensuring everyone can enjoy easy access to our services. We also offer a drive-thru banking option, allowing you to conduct simple transactions without leaving your vehicle. If you ever need assistance while visiting us, our friendly staff is always ready to help.

Operating Hours

We understand that your schedule can be hectic, which is why we offer flexible operating hours. You can visit us Monday through Thursday from 8:30 AM to 5:00 PM, and on Fridays, we're open until 6:00 PM. Need some banking done over the weekend? Swing by on Saturday between 8:30 AM and 12:00 PM.

Services Offered

Our credit union offers a variety of financial services tailored just for you. From personal checking and savings accounts to auto loans and credit cards with rewards, we aim to meet all your banking needs under one roof. Plus, with our ATM availability and shared service center options, accessing your funds has never been easier. While members can visit us at 11610 Us Highway 23 S Ossineke Mi 49766, official correspondence should be sent to PO Box 84, Ossineke, MI 49766 if that's more convenient for you. Ready to see how we can help? Give us a call at (989) 471-2332 or stop by today! We look forward to welcoming you into our credit union family.

Member Eligibility

Welcome to the Alpena-alcona Area community! Becoming a member of Alpena-alcona Area is a wonderful way to enjoy a supportive financial family that genuinely cares about your needs. If you live, work, worship, or attend school in Alpena or Alcona counties, you're likely eligible to join us. We believe in making banking accessible and friendly for everyone, so whether you're just starting out on your financial journey or looking for more comprehensive services, we have something for you. Joining is simple! You can find all the details about eligibility at this link, where you'll also see how becoming a member opens up a world of advantages, from competitive loan rates to personalized service. Ready to take the next step? Visit us at our branch located at 11610 Us Highway 23 S Ossineke Mi 49766, or give us a call at (989) 471-2332. We're excited to welcome you into our family! For more information on opening an account, check out this resource: Account Opening Details.

Business Banking & Commercial Services

Business Loans That Empower 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 That Simplify Transactions

In today's fast-paced world, seamless payment processing is essential. Our merchant services enable you to accept payments easily, whether online or in-store. Imagine your customers enjoying a smooth checkout experience while you focus on what you do best running your business. We equip you with the tools needed to manage transactions efficiently, ensuring that every sale counts. Located at 11610 Us Highway 23 S Ossineke Mi 49766 in Ossineke, MI, we invite local businesses to explore how our tailored banking solutions can help turn your vision into reality. Reach out to us at (989) 471-2332 to learn more about how we can assist your business journey!

Comprehensive List Of Services

ATM and Drive-Thru Services

We know that accessibility matters. That's why we offer ATM services for quick cash withdrawals and balance checks whenever you need them. For those who prefer face-to-face interactions but are short on time, our drive-thru banking allows for deposits, withdrawals, and simple transactions without leaving your vehicle.

Business Banking

For entrepreneurs and business owners, Alpena-alcona Area provides comprehensive business banking services. Whether you're looking for merchant services to accept payments or business loans to grow your venture, we're here to support your success.

Digital Banking Features

In today's fast-paced world, convenience is key. Our online and mobile banking features allow you to manage your accounts anytime, anywhere. You can easily check balances, transfer funds, pay bills, and even send money to friends or family through our person-to-person payment service. With these tools at your fingertips, banking becomes effortless.

Loans and Credit Options

Sometimes life throws unexpected expenses your way. With our personal loans and debt consolidation services, you can take control of your finances without added stress. Plus, our credit cards come with rewards that let you earn while you spend, making it easier to enjoy everyday purchases.

Personal Banking

We understand that everyone has unique banking needs. That's why we offer a variety of personal banking services. From checking and savings accounts that help you manage your finances effectively, to auto loans and vehicle financing options that make buying a car easier, we have solutions tailored just for you. Need a home? Our mortgage loans and refinancing options can guide you through the process of purchasing or updating your home.

Shared Branch Transactions

If you're a member of another partner credit union, you'll benefit from our shared branch transactions as well. This means deposits and withdrawals can be made conveniently at our location too! At Alpena-alcona Area, we pride ourselves on being more than just a bank; we're a community partner focused on helping our members thrive financially. If you're ready to explore how we can assist you further, don't hesitate to reach out at (989) 471-2332 or visit us online at https://www.aaacu.com/ . Join us today and experience the difference!

Digital & Online Banking

Instant Transfers

Need to send money to a friend? Our person-to-person transfers make it fast and straightforward. Whether it's splitting a bill or sending a gift, transferring funds is easy and reliable. In short, whether you're at home or on the move, Alpena-alcona Area offers robust digital and online banking services that keep your financial management accessible and secure. We invite you to take advantage of these features today!

Key Features

Visit us at https://www.aaacu.com/ to explore the full suite of online banking options available to you. Our secure online platform allows you to check balances, transfer funds, and pay bills with ease. Plus, with 24/7 online banking services, you're never out of reach of your money. For those who prefer managing their accounts on-the-go, our mobile application is available for download, giving you access to all your banking needs from the palm of your hand. You can even make mobile payments effortlessly, ensuring that paying for things is quick and simple.

Stay Secure

We take security seriously at Alpena-alcona Area. With electronic signature authorization available, signing documents has never been easier or safer. And if you're interested in going paperless, our e-statements feature lets you view your account statements securely online no more waiting for the mail!

Financial Strength

A Growing Community Trust

Total Share Accounts stand at 113,143, showing a strong and growing member base that trusts us with their finances. Our Net Shares (Funds available for lending and investments): $6,556,985 indicates our commitment to maintaining robust financial resources for all our members. 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 11610 Us Highway 23 S Ossineke MI 49766 or call 989-471-2332 to learn more about how we can help you achieve your financial goals.

Commitment to Growth and Innovation

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 a total of $490,815,338 in loans and leases available.

Member-Centric Savings Options

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.

Operational Efficiency

Our operational efficiency is highlighted by a net income of $0, which allows us to continue offering competitive loan rates and solid financial products for our members. We 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.

Robust 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 Services

If you're interested in refinancing any of these loan products or want to check your eligibility for membership at Alpena-alcona Area, feel free to reach out. You can contact us at 989-471-2332 or visit us at 11610 Us Highway 23 S Ossineke MI 49766 during our operating hours: M - TH 8:30 AM - 5:00 PM; FRI 8:30 AM - 6:00 PM; SAT 8:30 AM - 12:00 PM. 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 helping you find the right loan product tailored just for 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. We provide flexible terms and easy application processes for both new and used vehicles.

Business Loans

For business owners, our outstanding commercial loans totaling $31,560,779 provide the capital needed to grow and expand. Whether you need funds for equipment purchases or operational costs, we're here to support your business journey.

Mortgage Loans

Thinking about homeownership? While we currently don't offer Junior Lien 1-4 Family Residential Properties loans, we encourage you to explore our refinancing options for existing mortgages. This could be an opportunity to lower your monthly payments or access cash for other needs.

Unsecured Credit Card Loans

Managing day-to-day expenses is crucial for many families. 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. These cards come with rewards and competitive interest rates.

Loan Aggregator

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 rigorous sourcing ensures that the offers displayed are fair and transparent. Users can trust that they are viewing accurate rates from legitimate institutions, eliminating uncertainty in their search for loans.

Key Benefits of Using LendMesh

- Verified Data: All loan offers come from trusted financial institutions, ensuring clarity and honesty in the comparison process. - No Sponsored Listings: Unlike other platforms, LendMesh does not prioritize lenders based on paid promotions. The focus is solely on providing unbiased results, allowing users to find the best options without hidden agendas. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users are equipped to make timely and informed decisions regarding their borrowing needs. Thousands of users trust LendMesh for their loan comparisons. One member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the value that LendMesh provides to its users. Ready to find the best loan rates for your needs? Compare real-time loan offers today at LendMesh. *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.*

ALPENA ALCONA AREA CREDIT UNION - Ossineke, MI