Checking & Savings
Low-fee checking accounts with no minimum balance, plus savings that grow with competitive rates. Your money, working for you.
Member-owned since day one
Build your financial future, right here in Oscoda.
Personal banking, real loans, and a neighborly approach — because your money deserves a team that knows your name.
100%
Member-owned
Local
Oscoda-based
NAFCU
Insured
What We Offer
Financial tools that fit your life
From everyday checking to a dream-home loan, we've got the products you need — with the personal touch you deserve.
Personal Loans
Whether it's a car, a home improvement, or debt consolidation — get a fair rate from people who actually want to see you succeed.
Home Loans
First-time buyer or seasoned homeowner — we offer competitive mortgage rates and a smooth, stress-free closing process.
Online Banking
Pay bills, transfer funds, and check your balance anytime — from your phone, tablet, or computer. Banking on your schedule.
Debit & Credit Cards
Low-interest credit cards and fee-free debit cards designed to fit your budget — not the other way around.
Member Support
Talk to a real person, not a call center. Our Oscoda team is here to help with questions, guidance, and financial planning.
About Us
A credit union built by our members, for our members
Alpena Alcona Area Credit Union isn't a faceless corporation — we're your neighbors. Founded on the belief that people in our community deserve financial services that put members first, we've grown from a small group of founding members into a trusted institution serving Oscoda and the surrounding areas.
As a not-for-profit, member-owned credit union, every dollar of surplus goes back into better rates, lower fees, and stronger community support. You're not a customer number — you're a part-owner.
Member-owned, not shareholder-owned
NAFCU-insured deposits up to $250,000
Competitive rates and low fees
Personal service from local staff
Our Community
Invested in Oscoda — where we live and work
We're proud to be part of the fabric of our community. From sponsoring local events to supporting schools and charities, we believe a strong credit union strengthens the whole community.
Your deposits stay local, funding loans for families and small businesses right here in Alpena and Alcona counties. When you bank with us, you're investing in our shared future.
Why AAACU
What makes us different
Member-first mindset
Every decision we make starts with one question: does this benefit our members? That's the credit union difference.
Local expertise
Our team understands the unique financial needs of Alpena and Alcona County residents — because we live here too.
Fair rates, low fees
As a not-for-profit, we return surplus to members through better rates and lower costs — not to distant shareholders.
Personal relationships
Walk in and see the same friendly faces every time. We know our members by name and care about their goals.
Get in Touch
We'd love to meet you
Stop by our Oscoda branch or give us a call. We're here to help with any questions about our products, membership, or how to get started.
Send us a message
Have a question? Fill out the form and we'll get back to you as soon as possible.
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