At a glance
From its website, read 2 Nov 2026American 1 Credit Union is a credit union based in Jackson, Michigan. Its website describes auto loans, home mortgages and personal loans. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Apply online | Page with the application link |
|---|---|
| Website | www.american1cu.org |
| Office (official list) | 718 E Michigan Ave, Jackson, MI 49201 |
What their website says about applying
Apply online in minutes or stop into one of our local branches to talk through your options in-person.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 15 Nov 2020 |
| RSSD ID | 672984 |
| Address | 718 E Michigan Ave, Jackson, MI 49201 Directions (Google Maps) |
| Website | www.american1cu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Loan amount ranges were not stated on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Auto Loans From American 1. New, Used, & Refinance Options | source |
| Home mortgages | — | Home Equity Loans / Lines of Credit | source |
| Personal / consumer loans | — | APPLY FOR A PERSONAL LOAN | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply online in minutes
source
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - How long can I take to repay?
No repayment terms are stated on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$1 million in 2 awards from the U.S. Treasury's CDFI Fund, 2021 (CDFI Program, Financial Assistance; Disability Funds, Financial Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2021 | CDFI Program, Financial Assistance | $525,000 |
| 2021 | Disability Funds, Financial Assistance | $500,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as AMERICAN 1 (charter 65595). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $661.3 million (as of 30 Jun 2026) |
|---|---|
| Members | 67,470 (as of 30 Jun 2026) |
| Offices | 16 (as of 30 Jun 2026) |
Offices by state and county (16)
Michigan (16 offices)
- Calhoun County (2): 1 Bedford Rd N, Battle Creek 49037; 106 Winston Dr, Marshall 49068
- Hillsdale County (1): 3192 W Carleton Rd, Hillsdale 49242
- Jackson County (9): 718 E Michigan Ave, Jackson 49201 (main office); 11301 Brooklyn Rd, Brooklyn 49230; 3101 Jefferson Rd, Clarklake 49234; 1238 E Mcdevitt Ave, Jackson 49203; 135 Robinson Rd, Jackson 49203; 1521 W Parnall Rd, Jackson 49201; 930 W North St, Jackson 49202; 4400 Page Ave, Michigan Center 49254; 6580 Spring Arbor Rd, Spring Arbor 49283
- Lenawee County (1): 1586 W Maumee St, Adrian 49221
- Washtenaw County (3): 12855 E Old US Highway 12, Chelsea 48118; 10903 Mi State Road 52, Manchester 48158; 108 W Main St, Milan 48160
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by American 1 Credit Union (NCUA charter 65595, filed as “AMERICAN 1”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $455.4 million, 54,450 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Down 5.2% from $480.4 million on 30 Jun 2025 |
| Members | 67,470 (as of 30 Jun 2026); 66,864 (as of 30 Jun 2025) |
| Loans per member | $6,749 (total loans divided by members, 30 Jun 2026) |
| Total assets | $661.3 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $15.4 million | 3.4% |
| Used vehicle loans | $259.8 million | 57.0% |
| First-lien home mortgages (1-4 family) | $6.3 million | 1.4% |
| Other real estate loans (junior liens, other) | $12.8 million | 2.8% |
| Commercial (business) loans | $276,054 | 0.1% |
| Credit cards | $106.1 million | 23.3% |
| Other unsecured loans | $25.2 million | 5.5% |
| Leases and other secured loans | $29.5 million | 6.5% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $661.3 million | Larger than 69% of the 16 other certified credit unions in Michigan (median $379.9 million). |
| Loans as a share of assets | 69% | Median of the same 16 credit unions: 72%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $480.4 million → $455.4 million (-5%) | Median change of 16 other certified credit unions in Michigan: +3%. Rank by loans held among these 17: 5 → 5. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Michigan | 16 | larger than 69% |
| Loans held then vs now | certified credit unions in Michigan reporting both dates | 16 | rank 5 → 5 of 17 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Jackson and Michigan
- Awakon Federal Credit UnionCredit union · Onaway, MIAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
- BlueOx Credit UnionCredit union · Battle Creek, MIAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- CASE Credit UnionCredit union · Lansing, MIAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home repair / improvement loans…Verified
- COMMUNITY FIRST FEDERAL CREDIT UNIONCredit union · Lakeview, MIAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- CORE Community PartnersLoan fund · Bingham Farms, MIAffordable housing development loansVerified
- Chi Ishobak, Inc.Loan fund · Dowagiac, MI · Native CDFIAuto / vehicle loans, Personal / consumer loans, Small-business loansVerified
Work at American 1 Credit Union? Link to this page
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