Germann married Ida Helene Johanna Meinke (1884–1976) on November 26, 1914. They had four children: Luise Barbara Germann Pook (February 11, 1916 – January 27, 2012), Edith Germann Osborn (September 6, 1917 – March 31, 1990), Lucia May Germann Harley (May 28, 1920 – January 12, 1998), and Albert Fredrick Ottomar Germann II (born January 4, 1929).
Albert Sr. was raised as a member of the Lutheran Church (Missouri Synod) and as a youngster attended the Lutheran St. Johns Christian Day School in Peru. After moving to South Whitley, Ida and Albert joined St. Johns Lutheran Church (Missouri Synod), six miles east of South Whitley. Both were buried in the St. John's cemetery.