Alpena-Alcona Credit Union Rogers City MI | Affordable Vehicle Loans & Quick Personal Loans

Introduction

Welcome to the Alpena-alcona Area Credit Union at our Rogers City Office, located at 478 N Third St, Rogers City, MI 49779. Established in 1953, we have proudly served our community for decades, focusing on building lasting relationships with our 47,316 members. With total assets reaching an impressive $841,830,867, we are dedicated to providing financial stability and growth opportunities for everyone. Our commitment to our members shines through not only in our services but also in the trust we've built over the years. With a solid net worth of $97,125,352 and total deposits of $146,256,962, we work hard to ensure your money is safe and growing. Our experienced team of 141 employees, led by CEO Donald Mills and Board President Charles Negro, is here to assist you with a wide range of financial needs from personal banking and auto loans to business banking solutions. While members can visit us at our branch location for face-to-face assistance, official correspondence should be sent to the same address: 478 N Third St, Rogers City, MI 49779. We also offer modern conveniences such as online banking and mobile payments, ensuring that managing your finances is both easy and accessible. We invite you to explore what makes us different. Whether you're looking for competitive loan options or personalized service from a community-focused credit union, we're here for you. Feel free to reach out via phone at (989) 734-4130 or visit us online at www.aaacu.com. Join us as we continue to support our community with integrity and dedication!

Branch History & Mission

A Journey Through Time

Since our founding, we have seen tremendous growth and development. Starting with just a handful of dedicated members, we now proudly serve over 47,000 individuals in our community. As of today, our total assets stand at an impressive $841,830,867. This growth reflects not just our financial stability but also the trust our members place in us every day. Our journey has been marked by key milestones that highlight our dedication to innovation and service. From introducing online banking services to ensuring ADA compliance for all our facilities, we are constantly evolving to meet the needs of our members. Our drive-thru service and ATM availability make it easier than ever for you to access your funds when you need them most.

Join Us Today!

If you're looking for a credit union that truly cares about its members and community, look no further than Alpena-alcona Area Credit Union. We invite you to experience personalized service and community-focused banking solutions tailored just for you. Visit us or call us at 989-734-4130 today! Let's build a brighter financial future together.

Our Mission

At the heart of Alpena-alcona Area Credit Union is our mission: to provide exceptional financial services while supporting and uplifting our local community. We believe that everyone deserves access to quality financial resources whether it's personal banking solutions like checking and savings accounts or loans for vehicles and homes. We also take pride in giving back to our community through various outreach programs and partnerships that strengthen local initiatives. Our focus is not only on helping you achieve your financial goals but also on contributing positively to the areas we serve. While you can visit us at 478 N Third St for all your banking needs, please note that official correspondence should be sent to the same address as there is no different mailing address.

Branch Location & Accessibility

Accessibility Features

At our Rogers City office, we prioritize your comfort and convenience. We offer ample parking right outside the branch, ensuring that you can park easily whether you're visiting for a quick transaction or to discuss your financial goals with one of our friendly staff members. The branch is ADA-compliant, featuring ramps and wide doorways to accommodate all visitors.

Call to Action

We invite you to stop by the Alpena-alcona Area Credit Union today! Experience firsthand how we can help you achieve your financial dreams while enjoying a warm welcome from our dedicated team. Your community bank is just around the corner come see us soon!

Operating Hours

We understand that life gets busy! That's why we've tailored our operating hours to fit your schedule. Our lobby is open 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 12:00 PM. Whether you need assistance with personal banking services or are looking to explore our loan options, we're here when you need us.

Services Offered

At the Alpena-alcona Area Credit Union, we offer a range of services designed to meet your financial needs. From checking and savings accounts to auto loans and mortgages, we've got you covered. Need cash on the go? Our ATM is available for quick withdrawals and balance checks. Plus, enjoy the convenience of drive-thru banking for simple transactions like deposits and withdrawals without leaving your vehicle. While members can visit us at 478 N Third St for all their banking needs, any official correspondence should be sent to the same address. If you have questions or would like more information about our services or membership eligibility, don't hesitate to give us a call at 989-734-4130.

Member Eligibility

Welcome to the Alpena-alcona Area community! Joining us at Alpena-alcona Area is more than just opening an account; it's about becoming part of a family that supports each other financially. If you live, work, or worship in our local area, you are likely eligible to become a member. We love welcoming individuals from all walks of life, so whether you're looking for a checking account, auto loan, or mortgage options, we have something special for everyone. To get the full scoop on eligibility details, feel free to visit our website at http://www.aaacu.com/who-can-join. Becoming a member is simple and straightforward! You can start your journey by visiting us at our branch located at 478 N Third St Rogers City Mi 49779, where our friendly staff will guide you through the account opening process. Or if you prefer, you can call us at (989) 734-4130 for assistance or check out the easy steps outlined here: https://mortgage.gonms.org/default.asp?siteid=d49d4391-6ae5-48c3-a3c5-ddd61c063e3e. At Alpena-alcona Area, we're excited to help you take this important step towards better financial health!

Business Banking & Commercial Services

Financing Options for 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 Made Easy

In today's fast-paced world, seamless transactions are key. Our merchant services provide you with the tools needed to accept payments easily and securely. Imagine serving customers who can pay with just a tap or click enhancing their experience while streamlining your operations. Ready to take your business to the next level? Visit us at 478 N Third St Rogers City Mi 49779 in Rogers City, MI, or give us a call at (989) 734-4130. Let's work together to achieve your goals!

Comprehensive List Of Services

Business Banking Solutions

For our entrepreneurial members, we provide comprehensive Business Banking solutions including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we're dedicated to helping your business thrive.

Credit Cards with Rewards

Don't forget about our Credit Cards with Rewards, which allow you to earn points on everyday purchases. This means that as you shop for groceries or fuel up your car, you're also earning rewards that can be redeemed for travel, merchandise, and more.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features. Check balances, transfer funds, and pay bills all from the comfort of your home or on-the-go using our mobile app. Plus, with features like ATM and cash withdrawal services available at numerous locations, managing your finances has never been easier.

Drive-Thru and Shared Branch Services

Need quick access? Our basic drive-thru banking allows for deposits and withdrawals without leaving your car. Additionally, if you are a member of a partner credit union, our shared branch transactions make it easy for you to access funds when you're away from home. No matter what financial service you need, Alpena-alcona Area is here to assist you every step of the way. For questions or to learn more about how we can help you achieve your financial goals, please call us at (989) 734-4130 or visit us at 478 N Third St Rogers City Mi 49779 in Rogers City, MI. We look forward to serving you!

Home Ownership

Thinking about buying a home? Our Mortgage Loans & Refinancing services simplify the process. Whether it's your first home or you're looking to refinance an existing mortgage, our friendly staff will guide you through every step, making it easier than ever to achieve your homeownership dreams.

Personal Banking

For those looking to manage their everyday finances, we offer Personal Banking solutions including checking and savings accounts designed to fit various lifestyles. Imagine having a checking account that helps you keep track of your spending while also earning interest! Our savings accounts provide a secure place to grow your money over time.

Personal Loans

For unexpected expenses or debt consolidation, we offer Personal Loans & Debt Consolidation options that can provide the relief you need. Picture yourself managing bills more easily with one simple monthly payment!

Vehicle Financing

If you're considering purchasing a new car or refinancing your current vehicle, our Auto Loans & Vehicle Financing options are here for you. With competitive rates, you can drive away with confidence knowing you're getting the best deal possible.

Digital & Online Banking

Accessibility and Ease-of-Use

Our 24/7 online banking services mean you're never out of touch with your finances. You can bank when it's convenient for you whether it's early in the morning or late at night. Our user-friendly interface makes navigation simple, so you can focus on what matters most: managing your money effectively. With Alpena-alcona Area, you'll experience real-time account management right at your fingertips. From checking balances to transferring funds securely, we've made it easier than ever for our members to take control of their financial lives. Enjoy the freedom of banking on your terms!

Key Features

With our online banking platform available at https://www.aaacu.com/, you can check your account balance, pay bills, and transfer funds without stepping foot in a branch. We prioritize your security with features like electronic signature authorization, ensuring that your transactions are safe and protected. If you prefer to handle your banking from your smartphone, our mobile application is here to help. With this handy tool, you can manage your accounts on the go, make mobile payments, and even use person-to-person transfers to send money quickly to friends or family. Plus, the availability of e-statements allows you to stay organized while reducing paper clutter.

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 maintaining strong financial health allows us to offer you the best rates and services available. Our net worth of $97,125,352 demonstrates our solid financial foundation, enabling us to serve you better every day. With a net worth ratio of $1,153, we are well-positioned to provide loans and competitive savings rates, ensuring uninterrupted services even during uncertain economic times. Members' savings are securely backed by $213,489,533 in share certificates and $170,811,255 in money market shares, creating stable growth opportunities for your finances. Unlike traditional banks, our focus is on our members, which is why we have ensured that our non-member deposits stand at $0 focusing all resources on benefitting you through lower fees and better loan rates. With $84,782,367 in undivided earnings, we reinvest in innovative banking tools and enhanced security measures, making sure your experience with us continues to improve. We also have $6,682 in used auto loans and $490,815,338 in total loans and leases, providing the lending capacity necessary to support your financial goals across various sectors. Our operational efficiency is reflected in our $0, allowing us to maintain competitive loan rates and solid financial products tailored for our members. We pride ourselves on having a dedicated team of 126 full-time employees and 15 part-time employees ready to assist you with any needs you may have. With $6,556,985 available for lending and investments, as well as a strong member base evidenced by 113,143, we are committed to helping you achieve your financial aspirations. 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 478 N Third St Rogers City Mi 49779 or call (989) 734-4130 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

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 to fit your budget and make car ownership more accessible.

Commercial Loans

For business owners, our outstanding commercial loans totaling $31,560,779 provide the capital needed to grow and expand your business. Our team understands the unique needs of local businesses and is here to support your journey towards success. We also offer refinancing options for existing loans to help you lower your monthly payments or change your loan terms based on your current financial situation. If you're interested in learning more about eligibility or want to start an application process, feel free to visit us at 478 N Third St Rogers City MI 49779 or give us a call at 989-734-4130 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're committed to providing clear and practical loan solutions tailored just for you!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Currently, we do not offer Junior Lien 1-4 Family Residential Properties loans; however, our team is ready to help you explore alternative financing options.

Unsecured Credit Card Loans

Managing everyday expenses can be easier with our flexible terms on unsecured credit card loans. We have a total of $38,874,727 in these loans helping members manage their finances effectively. With no collateral required, you can have peace of mind while enjoying the convenience of credit.

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), ensuring fair and transparent offers. By only featuring legitimate lenders, LendMesh guarantees that users receive accurate and reliable information.

Key Benefits of Using LendMesh

Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that genuinely reflect current market conditions. Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, making it easier to identify the best options available. 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!" This testimonial underscores the effectiveness and reliability of the 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