View Our Service Charges and other Disclosures
Vehicle Loans
Auto or Motorcycle | ||
Effective Date: Monday, December 9th, 2024 | ||
Model Year | Term | APR as low as1 |
2024 or older | 60 months | 5.49% |
72 months | 5.99% | |
2022 or newer ($25,000 min2) | 84 months | 6.49% |
Apply Now | ||
1APR = Annual Percentage Rate. Rates, terms and conditions vary based on each member’s creditworthiness, underwriting standards and collateral conditions. All loans are subject to credit approval. 2Minimum $25,000 loan amount required. The estimated monthly payment per $1,000 borrowed at 5.49% APR for a term of 60 months would require 60 monthly payments of $19.10 based on 30 days to first payment. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice. Call the credit union for full details at 989-791-7070 ext. 3503. |
Recreational Vehicle | |
Effective Date: Monday, December 9th, 2024 | |
Term | APR as low as1 |
up to 60 months | 6.99% |
61 months - 84 months | 7.49% |
85 months - 180 months (2014+) | 8.99% |
1APR = Annual Percentage Rate. Rates, terms and conditions vary based on each member’s creditworthiness, underwriting standards and collateral conditions. All loans are subject to credit approval. The estimated monthly payment per $1,000 borrowed at 6.99% APR for a term of 60 months would require 60 monthly payments of $19.80 based on 30 days to first payment. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice. Call the credit union for full details at 989-791-7070 ext. 3503. |
Sport Vehicle | |
Effective Date: Monday, December 9th, 2024 | |
Term | APR as low as1 |
up to 24 months | 7.49% |
36 months | 7.99% |
48 months | 8.49% |
60 months | 8.99% |
84 months | 9.49% |
1APR = Annual Percentage Rate. Rates, terms and conditions vary based on each member’s creditworthiness, underwriting standards and collateral conditions. All loans are subject to credit approval. The estimated monthly payment per $1,000 borrowed at 7.49% APR for a term of 24 months would require 24 monthly payments of $45.01 based on 30 days to first payment. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice. Call the credit union for full details at 989-791-7070 ext. 3503. |
Credit Cards
Credit Card | |
Effective Date: Monday, December 9th, 2024 | |
Type | APR as low as1 |
VISA Platinum Rewards Credit Card | 9.90% |
1APR = Annual Percentage Rate. Rates, terms and conditions vary based on each member’s creditworthiness and underwriting standards. All loans are subject to credit approval. Payment is calculated as 3% of balance or $25, whichever is greater. See VISA Credit Card Disclosures. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice. Call the credit union for full details at 989-791-7070 ext. 3503. |
Personal Loans
Personal | |
Effective Date: Monday, December 9th, 2024 | |
Term | APR as low as1 |
36 month | 10.49% |
37-60 month | 11.24% |
1APR = Annual Percentage Rate. Rates, terms and conditions vary based on each member’s creditworthiness and underwriting standards. All loans are subject to credit approval. The estimated monthly payment per $1,000 borrowed at 10.49% APR for a term of 36 months would require 36 monthly payments of $32.51 based on 30 days to first payment. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice. Call the credit union for full details at 989-791-7070 ext. 3503. |
Revolving Line of Credit | |
Effective Date: Monday, December 9th, 2024 | |
Type | APR as low as1 |
Fixed Rate Revolving Line of Credit2 | 11.90% |
1APR = Annual Percentage Rate. Rates, terms and conditions vary based on creditworthiness and underwriting standards. All loans are subject to credit approval. Payment is calculated as 3% of balance or $30, whichever is greater. 2Fixed Rate means the rate will not change while the plan is open. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice. Call the credit union for full details at 989-791-7070 ext. 3503. |
Home Loans
Mortgages |
Mortgage Rates |
View 10, 15, 20 & 30 Year Mortgage Rates |
All credit union loan programs, rates, terms and conditions are subject to change at any time without notice. Call the credit union for full details at 989-791-7070 ext. 3503. |
Variable Rate Home Equity Line of Credit (HELOC) | ||
Effective Date: Monday, December 9th, 2024 | ||
Loan-to-Value (LTV) | Term | Variable APR1 |
80% LTV | 15-Year Amortization | Prime + .75%, floor of 4.50%2 |
Over 80% LTV | 15-Year Amortization | Prime + 2.75%, floor of 6.50%2 |
1APR = Annual Percentage Rate. Variable APR means that the rate may increase or decrease while the plan is open. 2The Variable APR is calculated using the prime rate plus a margin. The prime rate is the highest prime rate published in the Wall Street Journal. Prime is a variable rate; as it changes, the APR on your account will also change. The maximum APR that can apply is 18.00%. Floor refers to the minimum APR that can apply; the rate will never fall below the floor rate. Credit is subject to approval, not all applicants will qualify. The APR will vary depending on your loan-to-value ratio. An appraisal may be required. A home equity line of credit is secured by a first or second mortgage lien on your home, which must be one-to-four family residential real estate. This type of credit is not available for modular homes, manufactured homes or cooperatives. The minimum line of credit amount is $10,000, and the minimum loan amount is $1,000 for the first advance and $250 thereafter. The minimum monthly payment is $100. Closing costs are $99.00. An appraisal fee of up to $525.00 may be charged.$5.00 membership required if not a member. Flood and /or property hazard insurance may be required. Other restrictions may apply. Consult with a tax advisor regarding deductibility of interest. Equal Housing Lender. |
Fixed Rate Home Equity Line of Credit (HELOC) | ||
Effective Date: Monday, December 9th, 2024 | ||
Loan-to-Value (LTV) | Term | Fixed APR1 |
Up to 80% LTV | 10-Year Amortization | 6.25% |
1APR = Annual Percentage Rate. Fixed APR means the rate will not change while the plan is open. Credit is subject to approval, not all applicants will qualify. A home equity line of credit is secured by a first or second mortgage lien on your home, which must be one-to-four family residential real estate. This type of credit is not available for modular homes, manufactured homes or cooperatives. Subject property must be in the state of Michigan. The minimum line of credit amount is $10,000, and the minimum loan amount is $1,000 for the first advance and $250 thereafter. The minimum monthly payment is $100. Closing costs are $99.00. An appraisal fee of up to $525.00 may be charged. $5.00 membership required if not a member. Flood and /or property hazard insurance may be required. Other restrictions may apply. Consult with a tax advisor regarding deductibility of interest. Equal Housing Lender. |
Student Loans
Student Loans |
Effective Date: Monday, December 9th, 2024 |
Student Loans |
See Student Loan Rates |
Apply Now |
All credit union loan programs, rates, terms and conditions are subject to change at any time without notice. Call the credit union for full details at 989-791-7070 ext. 3503. |
Business Loans
Business Loans |
Business Loans |
Contact the credit union for Business Loan Rates All credit union loan programs, rates, terms and conditions are subject to change at any time without notice. Call the credit union for full details at 989-791-7070 ext. 3503. |
Checking and Savings
Savings and Club Accounts | ||
Effective Date: Monday, December 9th, 2024 | ||
Type | APY1 | Balance to Earn APY |
Primary Savings | 0.050% | $250 and over |
Special Savings | 0.050% | $250 and over |
Vacation Club | 0.050% | $250 and over |
Christmas Club | 0.050% | $250 and over |
Emergency Savings | 5.000% | $0 - $1,000 |
0.050% | $1,001 & over | |
1APY=Annual Percentage Yield. Fees may reduce earnings. Rates are variable and may change after account opening. Membership is required; $5 minimum to open a membership. See Our Rates and Service Charges disclosure and Member Service Agreement here. All rates, terms and conditions are subject to change without notice. Call the credit union for full details on terms and fees at 989-791-7070 ext. 3503. |
MONEYPlus | ||
Effective Date: Monday, December 9th, 2024 | ||
Type | APY 1 | Balance to Earn APY |
MONEYPlus | 0.500% | $2,500-$9,999 |
1.000% | $10,000-$99,999 | |
1.750% | $100,000-$249,999 | |
2.500% | $250,000-$499,999 | |
3.000% | $500,000 & over | |
1APY=Annual Percentage Yield. Fees may reduce earnings. Rates are variable and may change after account opening. Membership is required; $5 minimum to open a membership. See Our Rates and Service Charges disclosure and Member Service Agreement here.All rates, terms and conditions are subject to change without notice. Call the credit union for full details on terms and fees at 989-791-7070 ext. 3503. |
Checking Accounts | ||
Effective Date: Monday, December 9th, 2024 | ||
Type | APY 1 | Balance to Earn APY |
Essential Checking | 0.000% | N/A |
Premium Checking | 0.200% | $10,000 & over |
Premium Checking Rewards2 | 5.000% | $2,500 - $15,000 |
0.050% | $15,001 & over | |
1APY=Annual Percentage Yield. Fees may reduce earnings. Rates are variable and may change after account opening. Membership is required; $5 minimum to open a membership. 2Premium Checking Rewards tiered rate is only available to members with a Premium Checking account that meet certain criteria and balance requirements monthly. If a member meets the monthly criteria and balance requirements, they will receive the Premium Checking Rewards rate instead of the Premium Checking rate for the qualifying month. See more information here. See Our Rates and Service Charges disclosure and Member Service Agreement here. All rates, terms and conditions are subject to change without notice. Call the credit union for full details on terms and fees at 989-791-7070 ext. 3503. |
Share Certificates
Share Certificate Specials | ||
Effective Date: Monday, December 9th, 2024 | ||
Term | APY 1 | Balance to Earn APY |
12 Month Smart Savers | 3.850% | $25 & over |
1APY=Annual Percentage Yield. Fees may reduce earnings. A penalty may be charged for early withdrawal of a share certificate or IRA. Membership is required; $5 minimum to open a membership. See Our Rates and Service Charges disclosure and Member Service Agreement here. All rates, terms and conditions are subject to change without notice. Call the credit union for full details on terms and fees at 989-791-7070 ext. 3503. |
Share Certificates and IRA Share Certificates | ||
Effective Date: Monday, December 9th, 2024 | ||
Term | APY 1 | Balance to Earn APY |
6 Month | 4.000% | $500 & over |
12 Month | 3.850% | $500 & over |
24 Month | 3.500% | $500 & over |
36 Month | 3.250% | $500 & over |
48 Month | 3.250% | $500 & over |
60 Month | 3.250% | $500 & over |
1APY=Annual Percentage Yield. Fees may reduce earnings. A penalty may be charged for early withdrawal of a share certificate or IRA. Membership is required; $5 minimum to open a membership. |
IRA,HSA and Coverdell ESA
IRA, HSA and Coverdell ESA | ||
Effective Date: Monday, December 9th, 2024 | ||
Type | APY 1 | Balance to Earn APY |
IRA, HSA and Coverdell ESA | 0.250% | $0-$9,999 |
0.350% | $10,000-$19,999 | |
0.450% | $20,000-$49,999 | |
0.650% | $50,000 & over | |
1APY=Annual Percentage Yield. Fees may reduce earnings. A penalty may be charged for early withdrawal of a share certificate or IRA. Membership is required; $5 minimum to open a membership. |
Youth Accounts
Youth Savings | ||
Effective Date: Monday, December 9th, 2024 | ||
Type | APY 1 | Balance to Earn APY |
Young Savers | 2.000% | $0-$14,999 |
0.050% | $15,000 & over | |
1APY=Annual Percentage Yield. Fees may reduce earnings. A penalty may be charged for early withdrawal of a share certificate or IRA. Membership is required; $5 minimum to open a membership. |
Youth Share Certificate | ||
Effective Date: Monday, December 9th, 2024 | ||
Term | APY 1 | Balance to Earn APY |
7 Month Youth | 4.000% | $500-$1,000 Max |
1APY=Annual Percentage Yield. Fees may reduce earnings. A penalty may be charged for early withdrawal of a share certificate or IRA. Membership is required; $5 minimum to open a membership. See Our Rates and Service Charges disclosure and Member Service Agreement here. All rates, terms and conditions are subject to change without notice. Call the credit union for full details on terms and fees at 989-791-7070 ext. 3503. |
Spending Account | ||
Effective Date: Monday, December 9th, 2024 | ||
Type | APY 1 | Balance to Earn APY |
Spending Account | 0.550% | $250 & over |
1APY=Annual Percentage Yield. Fees may reduce earnings. A penalty may be charged for early withdrawal of a share certificate or IRA. Membership is required; $5 minimum to open a membership. See Our Rates and Service Charges disclosure and Member Service Agreement here. All rates, terms and conditions are subject to change without notice. Call the credit union for full details on terms and fees at 989-791-7070 ext. 3503. |
Business Accounts
Business Savings | ||
Effective Date: Monday, December 9th, 2024 | ||
Type | Annual Percentage Yield (APY) | Balance to Earn APY |
Business Savings | 0.050% | $250 - $9,999 |
0.200% | $10,000 - $99,999 | |
0.350% | $100,000 & over | |
1APY=Annual Percentage Yield. Fees may reduce earnings. Rates are variable and may change after account opening. Membership is required; $5 minimum to open a membership. See Our Rates and Service Charges disclosure and Business Member Service Agreement here. All rates, terms and conditions are subject to change without notice. Call the credit union for full details on terms and fees at 989-791-7070 ext. 3503. |
Business Checking | ||
Effective Date: Monday, December 9th, 2024 | ||
Type | Annual Percentage Yield (APY) | Balance to Earn APY |
Business Checking | 0.200% | $10,000 and over |
1APY=Annual Percentage Yield. Fees may reduce earnings. Rates are variable and may change after account opening. Membership is required; $5 minimum to open a membership. See Our Rates and Service Charges disclosure and Business Member Service Agreement here. All rates, terms and conditions are subject to change without notice. Call the credit union for full details on terms and fees at 989-791-7070 ext. 3503. |