--- title: "Alpena-Alcona Area Credit Union Rates (Nov 2026): Mortgage 7.38%" description: "Alpena-Alcona Area Credit Union rates today: 30 year fixed mortgage 7.38% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Alpena-Alcona Area Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/michigan/alpena-alcona-area" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Alpena-Alcona Area Credit Union Rates (Nov 2026): Mortgage 7.38% ### Mortgage rates 3 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 7.383% APR | 7.125% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.909% APR | 6.500% | — | Standard | | **10-Year Fixed** 10 year fixed | 7.574% APR | 6.500% | — | Standard | Alpena-Alcona Area Credit Union mortgage rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **APR* as low as** other | — % | 4.500% | — | Standard | Alpena-Alcona Area Credit Union other rates as of November 12, 2026 As of November 12, 2026, Alpena-Alcona Area Credit Union offers a 30-year fixed mortgage at 7.383% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/michigan/alpena-alcona-area) , verified from [Alpena-Alcona Area Credit Union's official website](https://www.aaacu.com/) Best product position **Room to improve vs. the Michigan median** 15-year fixed mortgage Gap to state best **30 bp** 30 bp from state best Vs. state median **30 bp behind median** 15-year fixed mortgage Products ranked **2** across tracked Michigan markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.38% | Room to improve vs. the Michigan median | 74 bp from state best | 31 bp behind median | | 15-year fixed mortgage | 6.91% | Room to improve vs. the Michigan median | 30 bp from state best | 30 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Alpena-Alcona Area Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=alpena-alcona-area&state=michigan&code=MI&name=Alpena-Alcona%20Area%20Credit%20Union) Loading branch locator… ## About Alpena-Alcona Area Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 49.6K Assets $957.6M Founded 1953 Locations reported 13 NCUA charter 62035 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Wolverine State** Wolverine State Credit Union · Alpena · MI · 49707-8101 About 1.9 miles away](https://rateapi.dev/credit-unions/michigan/wolverine-state) [**H.p.c.** H.P.C. CREDIT UNION - MAIN OFFICE · ALPENA · MI · 49707 About 2.0 miles away](https://rateapi.dev/credit-unions/michigan/hpc) [**Northland Area** Alpena Branch · Alpena · MI · 49707-8221 About 2.0 miles away](https://rateapi.dev/credit-unions/michigan/northland-area) [**Alpena Community** Alpena Community Credit Union Main Office · Alpena · MI · 49707-1875 About 2.6 miles away](https://rateapi.dev/credit-unions/michigan/alpena-community) [**Community Financial** COMMUNITY FINANCIAL HILLMAN · HILLMAN · MI · 49746-8688 About 20.4 miles away](https://rateapi.dev/credit-unions/michigan/community-financial) [**Awakon** Awakon Federal Credit Union · Rogers City · MI · 49779-2137 About 27.7 miles away](https://rateapi.dev/credit-unions/michigan/awakon) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Alpena-Alcona Area Credit Union Membership eligibility from Alpena-Alcona Area Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Alpena-Alcona Area Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [Alpena-Alcona Area Credit Union's membership page](https://www.aaacu.com/) . Final membership determination is always made by the credit union. ## Work at Alpena-Alcona Area Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Alpena-Alcona Area Credit Union ranks against Michigan peers. - See which AI assistants fetched Alpena-Alcona Area Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Michigan - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=alpena-alcona-area&state=michigan&code=MI&name=Alpena-Alcona%20Area%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Alpena-Alcona Area Credit Union offer? Alpena-Alcona Area Credit Union currently offers mortgage rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Alpena-Alcona Area Credit Union rates updated? RateAPI verifies Alpena-Alcona Area Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Alpena-Alcona Area Credit Union's rate data? Rate data is collected directly from Alpena-Alcona Area Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Alpena-Alcona Area Credit Union's mortgage rate? As of November 12, 2026, Alpena-Alcona Area Credit Union offers a 30-year fixed mortgage at 7.383% APR. ### Who can join Alpena-Alcona Area Credit Union? Alpena-Alcona Area Credit Union publishes its membership criteria on its own website. ## Related Rate Data Compare Alpena-Alcona Area Credit Union's rates against national credit-union benchmarks. [More Michigan credit unions](https://rateapi.dev/credit-unions/michigan) [Michigan mortgage rate leaders](https://rateapi.dev/mortgage-rates/michigan) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.aaacu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Alpena-Alcona Area Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Michigan credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Alpena-Alcona Area Credit Union curl "https://api.rateapi.dev/credit-unions/michigan /alpena-alcona-area " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Alpena-Alcona Area Credit Union locations Search, filter, and browse all 13 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/michigan/alpena-alcona-area Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp