Alpena-Alcona Area rates: up to 5.120% APY
credit union · NCUA CHARTER 62035 · www.aaacu.com/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Christmas Club | $0.00 | 0.150% | APY | 2026-11-01 | since 2026-11-01 | |
| Educational IRA | $0.00 | 1.510% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account | $0.00 | 5.120% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account | Tier 1 · $2,000.00 | 1.870% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account | Tier 2 · $100,000.00 | 2.020% | APY | 2026-11-01 | since 2026-11-01 | |
| Preferred Share | $0.00 | 0.200% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular Share | $5.00 | 0.150% | APY | 2026-11-01 | since 2026-11-01 | |
| Roth IRA | $0.00 | 1.510% | APY | 2026-11-01 | since 2026-11-01 | |
| Share Draft | $0.00 | 0.000% | APY | 2026-11-01 | since 2026-11-01 | |
| Traditional IRA | $0.00 | 1.510% | APY | 2026-11-01 | since 2026-11-01 | |
| Vacation Club | $0.00 | 0.150% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 90 Day Youth | 25 Month · $100.00 | 3.290% | APY | 2026-11-01 | since 2026-11-01 | |
| 3-Month CD | 90 Day · $500.00 | 3.290% | APY | 2026-11-01 | since 2026-11-01 | |
| 180 Day Youth | 25 Month · $100.00 | 3.800% | APY | 2026-11-01 | since 2026-11-01 | |
| 5.9-Month CD | 180 Day · $500.00 | 3.800% | APY | 2026-11-01 | since 2026-11-01 | |
| 12 Month Youth | $100.00 · 1 year | 4.060% | APY | 2026-11-01 | since 2026-11-01 | |
| 1-Year CD | 25 Month · Save to Win · $25.00 | 0.500% | APY | 2026-11-01 | since 2026-11-01 | |
| 1-Year CD | 12 Month · $500.00 | 4.060% | APY | 2026-11-01 | since 2026-11-01 | |
| 18 Month Youth | 25 Month · $100.00 | 3.800% | APY | 2026-11-01 | since 2026-11-01 | |
| 18-Month CD | 18 Month · $500.00 | 3.800% | APY | 2026-11-01 | since 2026-11-01 | |
| 2 Year Youth | $100.00 · 2 years | 2.020% | APY | 2026-11-01 | since 2026-11-01 | |
| 2-Year CD | 2 Year · $500.00 | 2.020% | APY | 2026-11-01 | since 2026-11-01 | |
| 25-Month CD | 25 Month · $500.00 | 4.500% | APY | 2026-11-01 | since 2026-11-01 | |
| Save to Win | 25 Month · $500.00 | 4.500% | APY | 2026-11-01 | since 2026-11-01 | |
| 3 Year Youth | 25 Month · $100.00 | 2.520% | APY | 2026-11-01 | since 2026-11-01 | |
| 3-Year CD | 3 Year · $500.00 | 2.520% | APY | 2026-11-01 | since 2026-11-01 | |
| 4 Year Youth | $100.00 · 4 years | 2.780% | APY | 2026-11-01 | since 2026-11-01 | |
| 4-Year CD | 4 Year · $500.00 | 2.780% | APY | 2026-11-01 | since 2026-11-01 | |
| 5 Year Youth | $100.00 · 5 years | 3.030% | APY | 2026-11-01 | since 2026-11-01 | |
| 5-Year CD | 5 Year · $500.00 | 3.030% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.aaacu.com/share-certificates | 2026-11-01 22:54 UTC | ok | 9a9b42ea537f |
| www.aaacu.com/rates | 2026-11-01 22:54 UTC | ok | f596bc7715f3 |