--- title: "Alpena Community Credit Union Rates - Michigan" description: "Current vehicle loan, personal loan, and savings & cd rates from Alpena Community Credit Union in Michigan. Updated daily with source verification. See who can join Alpena Community Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/michigan/alpena-community" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Alpena Community Credit Union Rates - Michigan ### Auto & vehicle rates 9 offers | Product | Published | Rate | Term / condition | Status | | **New Auto Loan** auto_new | — APR | 4.500% | new | Standard | | **Low Rate!** auto | — APR | 4.500% | — | Standard | | **Used Auto Loan** auto_used | — APR | 5.000% | used | Standard | | **Need a car?** auto | — APR | 5.000% | — | Standard | | **New RV Loan** rv_new | — APR | 6.500% | new | Standard | | **Great rates on watercrafts and campers** boat | — APR | 6.500% | — | Standard | | **Now is the time to get a great deal on boats and campers** boat | — APR | 7.000% | — | Standard | | **Used Recreational** powersports_used | — APR | 7.000% | used | Standard | | **Used RV Loan** rv_used | — APR | 7.000% | used | Standard | Alpena Community Credit Union auto & vehicle rates as of November 13, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Share-Secured Loan** personal_secured | — APR | 3.050% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 9.000% | — | Standard | | **Personal Line of Credit** ploc_variable | — APR | 18.000% | — | Standard | | **Revolving Signature** other | — APR | 12.000% | — | Standard | Alpena Community Credit Union personal loan rates as of November 13, 2026 ### Savings & CD rates 9 offers | Product | Published | Rate | Term / condition | Status | | **Savings** share_savings | — APY | 0.05% | — | Standard | | **SECONDARY SHARE** savings | — APY | 0.05% | — | Standard | | **Tier 1**** savings | — APY | 1.25% | — | Standard | | **Tier 2**** savings | — APY | 1.50% | — | Standard | | **TRAD IRA SHARE** ira | — APY | 1.61% | — | Standard | | **Tier 3**** savings | — APY | 1.75% | — | Standard | | **HSA** share_savings | — APY | 3.03% | — | Standard | | **HSA -- CHECKING** checking | — APY | 3.03% | — | Standard | | **A great rate matching loan amount with share balance** other | — APY | 3.05% | — | Standard | Alpena Community Credit Union savings & cd rates as of November 13, 2026 ### Other rates 3 offers | Product | Published | Rate | Term / condition | Status | | **APR as low as** other | — % | 3.050% | — | Standard | | **Need a loan?** other | — % | 9.000% | — | Standard | | **Convenient** other | — % | 12.000% | — | Standard | Alpena Community Credit Union other rates as of November 13, 2026 Alpena Community Credit Union is a credit union in Michigan. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/michigan/alpena-community) , verified from [Alpena Community Credit Union's official website](https://www.alpenacreditunion.com/) Loading branch locator… ## About Alpena Community Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 2.3K Assets $35.5M Founded 1970 Locations reported 1 NCUA charter 62264 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 payments - Financial counseling - First-time homebuyer program 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-Alcona Area** Alpena Office · Alpena · MI · 49707-8104 About 2.4 miles away](https://rateapi.dev/credit-unions/michigan/alpena-alcona-area) [**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 Community Credit Union Membership eligibility from Alpena Community Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Alpena Community Credit Union's website. Check the membership page below to confirm whether you qualify. - Location alpena, alcona, montmorency, presque isle — MI Verified from [Alpena Community Credit Union's membership page](https://www.alpenacreditunion.com/become-a-member) . Final membership determination is always made by the credit union. ## Membership rules for Alpena Community Credit Union Geography 4 counties 4 published paths to membership, last verified August 21, 2026, quoted from Alpena Community Credit Union’s own published criteria. ### Geography 4 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Alcona County, MI - Alpena County, MI - Montmorency County, MI - Presque Isle County, MI “Proudly serving Alpena, Alcona, Montmorency, and Presque Isle counties.” > [source ↗](https://www.alpenacreditunion.com/become-a-member) Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Alpena Community Credit Union? Yes No ## Work at Alpena Community 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 Community Credit Union ranks against Michigan peers. - See which AI assistants fetched Alpena Community 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-community&state=michigan&code=MI&name=Alpena%20Community%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Alpena Community Credit Union offer? Alpena Community Credit Union currently offers vehicle loan, and personal loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Alpena Community Credit Union rates updated? RateAPI verifies Alpena Community Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Alpena Community Credit Union's rate data? Rate data is collected directly from Alpena Community Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Alpena Community Credit Union? Alpena Community Credit Union publishes its membership criteria on its own website. RateAPI tracks 4 published membership paths covering 4 counties for Alpena Community Credit Union, each quoted from Alpena Community Credit Union's own published membership criteria. ## Related Rate Data Compare Alpena Community Credit Union's rates against national credit-union benchmarks. [More Michigan credit unions](https://rateapi.dev/credit-unions/michigan) [Michigan auto loan rate leaders](https://rateapi.dev/auto-loan-rates/michigan) [Michigan personal loan leaders](https://rateapi.dev/personal-loan-rates/michigan) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-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.alpenacreditunion.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 Community 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 Community Credit Union curl "https://api.rateapi.dev/credit-unions/michigan /alpena-community " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Alpena Community Credit Union locations Search, filter, and browse all 1 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-community Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp