Routing #272476433


Man fishing on a boat next to a four wheeler next to a rv

Recreational Loans

Life is full of adventure and Alpena Alcona Area Credit Union is here to help you finance your fun with our flexible terms and competitve rates.

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Use our Auto Loan Calculator to determine your monthly payment, or an estimate of your total purchase price. Use the tools we use when calculating the value of your used vehicle with NADA.


Recreational Loan Protection


Life & Disability Insurance

Accidents happen, and unfortunately, your insurance doesn’t always cover it – GAP Plus does! Guaranteed Asset Protection Plus protects you when “gaps” exist between your insurance settlement and your loan balance.

GAP Plus provides benefits of: 

  • Up to $1,000 deductible assistance whether the vehicle is deemed a total loss or not.
  • $1,000 being used towards the financing of a replacement vehicle through Alpena Alcona Area Credit Union.
When you choose to protect your loans with MEMBER’S CHOICE© credit life and disability insurance*, you’re taking steps to protect your family if the unforeseen happens.MEMBER’S CHOICE© credit life and disability may help reduce or pay off your covered loan or make your monthly payment, up to the policy maximum, in the event of a covered life event, injury, illness, or death.