Germann was born in Peru, Miami County, Indiana, eldest child of Mary Fredericke Mueller (1864–1942) and Gustave Adolph Germann (1860–1940). His only sibling was Frank Erhart Emmanuel Germann (1887–1974), who also became a physical chemist. Albert Germann graduated from Peru High School in 1904. Germann taught in Miami County rural schools while working his way through a chemistry major at Indiana University in Bloomington. He received the A.B. in chemistry in 1909 and the A.M. in chemistry in 1910, both from Indiana University, and the M.Sc. degree in chemistry from the University of Wisconsin in Madison, also in 1910. He received the Sc.D. degree (doctorat ès sciences physiques et chimiques) from the University of Geneva (Geneva, Switzerland) in 1914 under the guidance of Philippe-Auguste Guye (1862–1922).