Alpena-Alcona Area Credit Union Tawas City MI | Best Auto Loans & Personal Banking

Introduction

Welcome to Alpena-Alcona Area at our Tawas Office, where we believe in building strong relationships with our members and empowering our community. Located at 118 W M 55, Tawas City, MI 48763, we are more than just a financial institution; we are a partner in your journey toward financial success. With a rich history since our establishment in 1953, we have proudly grown to serve over 47,316 members, providing personalized banking solutions tailored to meet your needs. As a member-owned credit union, we take pride in our robust financial standing, with total assets reaching an impressive $841,830,867 and total deposits of $146,256,962. Our commitment to supporting you is evident through our wide range of services from checking and savings accounts to auto loans and mortgage refinancing. In addition, we maintain a net worth of $97,125,352, ensuring stability and security for all our members. At Alpena-Alcona Area Credit Union, we understand that every dollar counts. That's why we're dedicated to offering competitive loan rates currently holding a total of 31,893 loans and leases to help you achieve your dreams without breaking the bank. We also emphasize transparency and trust; that's why you'll find us with over $3,080,483 cash in hand for your convenience. Your voice matters here. Under the leadership of our CEO Donald Mills and Board President Charles Negro, we strive for excellence while fostering an inclusive environment where everyone's opinions are valued. Our team of 141 employees is ready to assist you with any inquiries or services you may need. While members can visit us at our branch address mentioned above, official correspondence should be sent to PO Box 250, Tawas City, MI 48764. We encourage you to reach out at (989) 362-7980 or explore more about us on our website: www.aaacu.com. Join us today and experience the difference! Whether you're looking for a new account or seeking advice on loans and financing options, we're here to help you every step of the way. Come visit us during our operating hours: Monday to 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!

Branch History & Mission

At Alpena-alcona Area, we take pride in our rich history and unwavering commitment to our community. Established in 1953, our Tawas Office has been a cornerstone of financial support for local residents in Tawas City, MI. Located conveniently at 118 W M 55, right near popular landmarks, we have evolved alongside the needs of our members, ensuring that they receive exceptional service and comprehensive financial solutions. Over the years, we have experienced remarkable growth. Today, we proudly serve over 47,000 members with total assets reaching $841,830,867. This journey reflects not just our success but also the trust placed in us by our community. Our mission is straightforward yet impactful: to provide accessible financial services while actively supporting and uplifting those around us. We believe that when our members thrive, so does our community. While members can visit us at 118 W M 55 Tawas City Mi 48763, official correspondence should be sent to PO Box 250, Tawas City, MI 48764. Our branch operates during 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 everyone to access the services they need. As a member-focused credit union, we offer a wide range of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, and business banking solutions. With features such as ATM availability and drive-thru banking services, we are dedicated to making banking as convenient as possible. We have also embraced digital advancements; online banking and mobile payment options ensure that our members can manage their finances anytime and anywhere. Our commitment extends beyond financial services. We actively participate in community outreach programs and partnerships that foster growth and development within Tawas City. From educational workshops to local sponsorships, we aim to be a positive force in the lives of those we serve. Join us at Alpena-alcona Area today! Experience the benefits of being part of a credit union that truly cares about its members and community. Whether you're looking for a reliable place to save or seeking assistance with loans or investments, we're here for you every step of the way. Reach out at (989) 362-7980 or visit us online at aaacu.com to learn more about how you can become part of our family!

Branch Location & Accessibility

Convenient Access

At our Tawas Office, we prioritize your convenience. The branch is designed with accessibility in mind, featuring ADA-compliant ramps and ample parking space to ensure everyone can visit us with ease. If you need to send any official correspondence, feel free to use our mailing address: PO Box 250, Tawas City, MI 48764.

Get in Touch

If you have questions or need more information about our services, don't hesitate to call us at 989-362-7980. We're excited to help you achieve your financial goals! Come visit us at the Alpena-alcona Area branch today; we look forward to welcoming you into our community!

Operating Hours

We know that your time is valuable! That's why we offer flexible operating hours to suit your schedule. Visit us Monday through Thursday from 8:30 AM to 5:00 PM, Friday from 8:30 AM to 6:00 PM, or stop by on Saturday from 8:30 AM to noon. Our team is here to assist you during these hours with all your banking needs.

Services Offered

Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans, mortgage loans, or business banking services, we've got you covered. With both ATM availability and a drive-thru service for quick transactions, managing your finances has never been easier.

Member Eligibility

Becoming a member of Alpena-alcona Area is like joining a welcoming family that genuinely cares about your financial well-being. We invite anyone who lives, works, worships, or attends school in our community to join us. This means if you're part of the vibrant Tawas City area or surrounding locations, you're already on your way to enjoying the benefits we offer. At Alpena-alcona Area, you'll find not just financial services but also a supportive environment designed to help you thrive. To explore the detailed eligibility criteria and see if you qualify, visit us at http://www.aaacu.com/who-can-join. Joining is simple! You can open an account online or visit us at our branch located at 118 W M 55 Tawas City Mi 48763. If you have any questions or need assistance during the process, feel free to reach out to us at (989) 362-7980. We're here to help you take this exciting step toward financial empowerment!

Business Banking & Commercial Services

Practical Merchant Services

In addition to our loan offerings, our merchant services can transform how you manage transactions. Imagine seamlessly accepting payments from customers at your store or online, all while having the support of our dedicated team right here in Tawas City, MI. These services not only streamline your payment processes but also enhance customer satisfaction. Partner with us at Alpena-alcona Area located at 118 W M 55 Tawas City Mi 48763, and let's work together to elevate your business to new heights! For more information, give us a call at (989) 362-7980 or visit our website here.

Tailored Loan Options

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

ATM and Drive-Thru Services

At Alpena-alcona Area, we also recognize the importance of having access to cash when you need it. With our ATM services available 24/7, you can withdraw cash or check your balance at your convenience. If you prefer face-to-face interactions but are short on time, our basic drive-thru banking lets you complete deposits, withdrawals, and simple transactions quickly.

Business Banking Services

For local business owners, we provide comprehensive business banking solutions including merchant services and business loans. Our goal is to support the growth of local enterprises by offering flexible financial products tailored to their specific needs.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we have embraced technology to bring you online and mobile banking options. Access your accounts anytime from anywhere with ease! You can transfer funds, pay bills, and even make person-to-person payments without any hassle.

Loans and Credit Options

If you find yourself needing extra funds for unforeseen expenses or planning a big purchase, our personal loans and debt consolidation services are here to lighten your financial burden. Plus, with our credit cards that come with rewards, every purchase can earn you something back!

Personal Banking Solutions

When it comes to personal banking, we offer checking and savings accounts that help you manage your day-to-day finances effectively. Whether you're saving for a vacation or just need a safe place for your money, our accounts come with features tailored to fit various lifestyles. For those looking to purchase a vehicle, our auto loans and vehicle financing options can help turn your dream car into reality. We also offer mortgage loans and refinancing solutions, making home ownership attainable for many families in Tawas City.

Shared Branch Transactions

We take pride in being part of a larger network that allows members from partner credit unions to conduct basic transactions like deposits and withdrawals at our branch. This means more flexibility for everyone! As you explore these diverse offerings at Tawas Office, remember that our dedicated staff is always ready to assist you every step of the way. Whether you're visiting us in person or accessing our digital platforms, we're here to support your financial journey. Feel free to reach out at (989) 362-7980 or visit us online at https://www.aaacu.com/ for more information about how we can serve you best!

Digital & Online Banking

Accessibility and Support

Our digital banking services are designed with you in mind. They allow real-time account management and are accessible even when you're busy. If you ever have questions or need assistance, our friendly team is just a phone call away at (989) 362-7980. Join the many members who enjoy the benefits of modern banking with us at Alpena-alcona Area! Embrace the convenience of digital banking today and take control of your financial journey effortlessly.

Key Features

Our online banking platform is user-friendly and available 24/7, allowing you to check balances, transfer funds, and pay bills with just a few clicks. You can explore all these features by visiting us at https://www.aaacu.com/. We also provide e-statements, so you can view your account statements digitally no more waiting for mail delivery! Security is a top priority for us. With electronic signature authorization available, signing documents online is both safe and convenient. Plus, our mobile application makes banking even simpler. You can manage your accounts right from your smartphone, whether you're making mobile payments or sending money to friends through our person-to-person transfer feature.

Financial Strength

Committed Team

We take pride in having 126 full-time employees and 15 part-time employees who are dedicated to serving you with knowledge and commitment. Our team works tirelessly to ensure that your experience with us is nothing short of excellent.

Focused on Our Members

Unlike many banks that cater to non-members as well, we prioritize our members' interests. With $0 in non-member deposits, all our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks tailored just for you.

Growing Membership Base

With 113,143 total share accounts, we showcase a strong and growing member base that trusts us with their finances. This trust allows us to keep improving our services while providing peace of mind to our valued 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 118 W M 55 Tawas City Mi 48763 or call 989-362-7980 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.

Operational Efficiency

Our operational efficiency is reflected in our net income of $0, which enables us to continue offering competitive loan rates and solid financial products for our members without compromising service quality.

Reinvesting for Your Benefit

With $84,782,367 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. This ensures that you have access to the best products available.

Secure 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. This commitment to securing your funds is what sets us apart from traditional banks.

Solid 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.

Supporting Your Financial Goals

Our lending capacity is robust with $66,682,000 in used auto loans and over $490 million in total loans and leases, supporting members' financial goals across various sectors. Whether you're looking for an auto loan or personal financing options, we've got you covered.

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 financing for both new and used vehicles, making it easier than ever to find the right fit for your lifestyle.

Business Loans

For business owners, our outstanding commercial loans totaling $31,560,779 provide the capital needed to grow and expand. Whether you're starting a new venture or need additional resources for an existing business, we are here to support you. We believe in transparency and want our members to feel confident in their financial decisions. If you're considering refinancing any of these options or would like more information on eligibility requirements, please don't hesitate to reach out. You can contact us at (989) 362-7980, visit us at 118 W M 55 Tawas City Mi 48763, or explore more about our services on our website: https://www.aaacu.com/. 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 that fits your needs!

Credit Lines and Personal Loans

If you're looking for flexibility in your finances, our credit lines total $42,833,333, allowing you access to funds when you need them most. We also offer unsecured credit card loans with a total amount of $38,874,727, providing an easy way to manage expenses without dipping into savings.

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 are committed to providing personalized service to help you explore other financing options that may suit your needs.

Loan Aggregator

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How LendMesh Ensures Accurate Loan 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 commitment to accurate sourcing means users can trust that the offers they see are fair and transparent. LendMesh guarantees verified data by only including loan offers from legitimate financial institutions. This approach eliminates the risk of misleading information, allowing users to feel confident in their choices. Additionally, LendMesh does not prioritize lenders based on paid promotions. By avoiding sponsored listings, it ensures that all results are truly unbiased and reflective of the current market.