# American 1 Credit Union

> American 1 Credit Union (A1CU) is a member-owned financial institution headquartered in Jackson, Michigan, serving individuals, families, and businesses across the region. A1CU offers a full range of personal banking products including checking and savings accounts, auto loans, home equity loans, personal loans, credit cards, and investment services. Membership is open to anyone who lives, works, worships, or attends school in the A1CU service area.

A1CU is not a bank — it is a not-for-profit credit union, meaning earnings are returned to members through better rates, lower fees, and community investment. The routing number and account number format differ from traditional banks. A1CU is federally insured by NCUA.

Key facts:

- Headquartered in Jackson, Michigan
- Federally insured by the NCUA
- Full-service branches and ATMs across the Jackson County area
- Online banking, mobile app, and bill pay available to all members
- Financial coaching and education resources available at no cost to members

## Membership & Accounts

- [Become a Member](https://www.american1cu.org/be-a-member): Eligibility requirements and how to join A1CU
- [Checking Accounts](https://www.american1cu.org/checking): Overview of all checking account options
- [Simplicity Checking](https://www.american1cu.org/checking/simplicity-checking): A1CU’s standard everyday checking account
- [Silver Advantage Checking](https://www.american1cu.org/checking/silver-advantage-checking): Checking account designed for members 55 and older
- [Savings Accounts](https://www.american1cu.org/savings): Overview of all savings options
- [True Savings Accounts](https://www.american1cu.org/true-savings-accounts): A1CU’s primary savings account product
- [Club Accounts](https://www.american1cu.org/savings-accounts/club-accounts): Seasonal savings accounts for holiday and vacation goals
- [Health Savings Accounts](https://www.american1cu.org/savings-accounts/health-savings-accounts): HSA accounts for qualifying members
- [Youth Accounts](https://www.american1cu.org/youth-accounts): Savings and checking accounts for young members
- [Independence Account](https://www.american1cu.org/save/independence-account): Savings account for members with disabilities
- [Savings Rates](https://www.american1cu.org/savings-rates): Current dividend rates on all savings products
- [Investing / Shares](https://www.american1cu.org/investing): Share certificates and investment options

## Loans & Credit

- [Auto Loans](https://www.american1cu.org/auto-loans): New, used, and refinance auto loan options
- [Refinance](https://www.american1cu.org/refinance): Auto and other loan refinancing information
- [RefiYourRide](https://www.american1cu.org/refiyourride): Dedicated auto refinance campaign page
- [Home Equity Loans](https://www.american1cu.org/home-equity-loans): HELOC and home equity loan products
- [Personal Loans](https://www.american1cu.org/personal-loans): Unsecured personal loan options
- [Other Loans](https://www.american1cu.org/other-loans): Specialty loan products
- [Credit Cards](https://www.american1cu.org/rewards-card): A1CU Visa Rewards credit card details and benefits
- [Loan Rates](https://www.american1cu.org/loan-rates): Current interest rates on all loan products
- [Pre-Approval](https://www.american1cu.org/pre-approval): Loan pre-approval application
- [Make a Loan Payment](https://www.american1cu.org/make-a-loan-payment): Options for making loan payments
- [A1CU Loan Pay](https://www.american1cu.org/a1cu-loan-pay): Online loan payment portal
- [Skip-A-Pay](https://www.american1cu.org/skip-a-pay): Program allowing members to defer a loan payment
- [Payment Support](https://www.american1cu.org/payment-support): Assistance options for members experiencing financial difficulty

## Digital Banking & Services

- [Online Banking](https://www.american1cu.org/online-banking): A1CU’s digital banking platform features and login information
- [Mobile App](https://www.american1cu.org/mobile-app): A1CU mobile banking app for iOS and Android
- [Bill Pay](https://www.american1cu.org/bill-pay): Online bill payment service for members
- [Debit Cards](https://www.american1cu.org/spend/debit-cards): Debit card features, controls, and management
- [Remote Banking](https://www.american1cu.org/remote-banking): ATM, shared branching, and remote access options
- [A1 Access](https://www.american1cu.org/a1-access): Telephone banking service

## Protection & Insurance Products

- [Protection Products](https://www.american1cu.org/protection-products): Overview of all member protection options
- [GAP Coverage](https://www.american1cu.org/protection-products/gap): Guaranteed Asset Protection for auto loans
- [Life Coverage](https://www.american1cu.org/protection-products/life-coverage): Credit life insurance for loans
- [Fraud Fighters](https://www.american1cu.org/fraud-fighters): A1CU’s fraud prevention resources and guidance for members
- [Security Statement](https://www.american1cu.org/security-statement): A1CU’s digital security practices and commitments
- [Freedom Plus](https://www.american1cu.org/freedom-plus): Member benefit protection bundle

## Rates & Financial Tools

- [All Rates](https://www.american1cu.org/rates): Combined rate page for loans and savings
- [Loan Rates](https://www.american1cu.org/loan-rates): Current loan interest rates
- [Savings Rates](https://www.american1cu.org/savings-rates): Current savings dividend rates
- [Financial Coaching](https://www.american1cu.org/financial-coaching): Free one-on-one financial coaching for members
- [Financial Education](https://www.american1cu.org/financial-education): Financial literacy resources and workshops
- [Common Banking Terms](https://www.american1cu.org/common-banking-terms): Glossary of credit union and banking terminology
- [FAQ](https://www.american1cu.org/faq): Frequently asked questions about A1CU products and services

## Community & About

- [About A1CU / Who We Are](https://www.american1cu.org/who-we-are): A1CU’s history, mission, and values
- [Community Involvement](https://www.american1cu.org/community-involvement): A1CU’s charitable giving and community programs
- [Scholarships](https://www.american1cu.org/scholarships): Annual scholarship program for student members
- [Donations](https://www.american1cu.org/donations): Community donation and sponsorship requests
- [News](https://www.american1cu.org/news): A1CU press releases and announcements
- [Blog](https://www.american1cu.org/blog): Financial tips, member stories, and educational articles
- [Events](https://www.american1cu.org/event-schedule): Upcoming A1CU community and member events
- [Refer a Friend](https://www.american1cu.org/refer-a-friend): Member referral program details

## Locations & Contact

- [Locations](https://www.american1cu.org/locations): Branch and ATM locations with hours and maps
- [Contact Us](https://www.american1cu.org/contact-us): Phone, email, and secure message options
- [Careers](https://www.american1cu.org/careers): Open positions and employment information at A1CU

## Legal & Disclosures

- [Privacy & Disclosures](https://www.american1cu.org/privacy-and-disclosures): All legal disclosures and regulatory documents
- [Privacy Statement](https://www.american1cu.org/privacy-and-disclosures/privacy-statement): A1CU’s member privacy policy
- [Visa Disclosure](https://www.american1cu.org/privacy-and-disclosures/visa-disclosure): Terms and disclosures for A1CU Visa products
- [Courtesy Pay](https://www.american1cu.org/privacy-and-disclosures/courtesy-pay): Overdraft courtesy pay policy and terms
- [Member Discounts](https://www.american1cu.org/member-discounts): Exclusive discounts and perks available to A1CU members

## Optional

- [Spend Overview](https://www.american1cu.org/spend): High-level overview of A1CU spending/transaction products
- [Save Overview](https://www.american1cu.org/save): High-level overview of A1CU savings products
- [Borrow Overview](https://www.american1cu.org/borrow): High-level overview of A1CU lending products
- [Loans Overview](https://www.american1cu.org/loans): General loans landing page
- [Explore](https://www.american1cu.org/explore): Member lifestyle and benefit exploration hub
- [Community Overview](https://www.american1cu.org/community): Community engagement landing page
- [Member Resources](https://www.american1cu.org/member-resources): Tools and resources for existing members
- [Business Checking](https://www.american1cu.org/business-checking): Checking account options for business members
- [Auto Concierge](https://www.american1cu.org/auto-concierge): Assisted auto buying service for members