Rates
Vehicle Loans
Auto or Motorcycle | ||
Effective Date: Saturday, September 23rd, 2023 | ||
Model Year | Term | APR as low as |
2023 or older | 60 months | 6.74% |
72 months | 7.24% | |
2021 or newer, $25,000 min | 84 months | 7.88% |
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 6.74% APR for a term of 60 months would require 60 monthly payments of $19.69 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: Saturday, September 23rd, 2023 | |
Term | APR as low as1 |
36 months | 6.74% |
60 months | 7.24% |
72 months | 7.74% |
84 months | 8.24% |
120 months | 8.74% |
180 months | 9.04% |
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. The estimated monthly payment per $1,000 borrowed at 6.74% APR for a term of 36 months would require 36 monthly payments of $30.77 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: Saturday, September 23rd, 2023 | |
Term | APR as low as1 |
up to 24 months | 6.49% |
36 months | 6.99% |
48 months | 7.49% |
60 months | 7.99% |
84 months | 8.49% |
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. The estimated monthly payment per $1,000 borrowed at 6.49% APR for a term of 24 months would require 24 monthly payments of $44.55 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: Saturday, September 23rd, 2023 | |
Type | APR as low as1 |
VISA Platinum Rewards Credit Card | 9.90% |
Apply Now | |
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 here. 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: Saturday, September 23rd, 2023 | |
Term | APR as low as1 |
36 month | 9.24% |
37-60 month | 9.99% |
Apply Now | |
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 9.24% APR for a term of 36 months would require 36 monthly payments of $31.93 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: Saturday, September 23rd, 2023 | |
Type | APR as low as1 |
Fixed Rate Revolving Line of Credit2 | 11.90% |
Apply Now | |
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. |
CU-STAT (Payday Loan Alternative) | |
Effective Date: Saturday, September 23rd, 2023 | |
Term | APR1 |
3 months | 15.900% |
Contact Health Advantage Federal Credit union to Apply! | |
1APR = Annual Percentage Rate. See more CU STAT loan program details here. All credit union loan programs, rates, ters 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 |
See 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: Saturday, September 23rd, 2023 | ||
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 |
Apply Now | ||
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 $450.00 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. The estimated monthly payment per $15,000 borrowed at 8.75% APR for a term of 15-Year Amortization with 80% loan-to-value (LTV) would require 180 monthly payments of $149.93 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. |
Fixed Rate Home Equity Line of Credit (HELOC) | ||
Effective Date: Saturday, September 23rd, 2023 | ||
Loan-to-Value (LTV) | Term | Fixed APR1 |
Up to 80% LTV | 10-Year Amortization | 6.25% |
Apply Now | ||
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 $450.00 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. The estimated monthly payment for $15,000 borrowed at 6.25% APR for a term of 15-Year Amortization with 80% loan-to-value (LTV) would require 180 monthly payments of $128.63 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. |
Student Loans
Student Loans |
Effective Date: Saturday, September 23rd, 2023 |
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 |
Call the credit union for Business Loan Rates |
See Business Lending Products |
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: Saturday, September 23rd, 2023 | ||
Type | APY1 | Balance to Earn APY |
Primary Savings | 0.100% | $250 and over |
Special Savings | 0.100% | $250 and over |
Vacation Club | 0.100% | $250 and over |
Christmas Club 2 | 0.100% | $250 and over |
Emergency Savings | 4.000% | $0 - $500 |
0.100% | $500 & 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. |
Money Plus | ||
Effective Date: Saturday, September 23rd, 2023 | ||
Type | APY 1 | Balance to Earn APY |
Money Plus | 0.300% | $2,500-$9,999 |
0.650% | $10,000-$99,999 | |
0.850% | $100,000-$249,999 | |
1.050% | $250,000-$499,999 | |
1.500% | $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. |
Checking Accounts | ||
Effective Date: Saturday, September 23rd, 2023 | ||
Type | APY 1 | Balance to Earn APY |
Essential Checking | 0.000% | N/A |
Premium Checking | 0.200% | $10,000 & over |
Premium Checking Rewards2 | 3.000% | $2,500 - $10,000 |
0.750% | $10,001-$24,999 | |
0.150% | $25,000 & 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. 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 here. See our 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: Saturday, September 23rd, 2023 | ||
Term | APY | Balance to Earn APY |
12 Month Save to Win2 | 5.000% | $25 & over |
12 Month Smart Savers | 5.000% | $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. |
Share Certificates and IRA Share Certificates | ||
Effective Date: Saturday, September 23rd, 2023 | ||
Term | APY 1 | Balance to Earn APY |
6 Month | 4.000% | $500 & over |
12 Month | 5.000% | $500 & over |
24 Month | 3.750% | $500 & over |
36 Month | 3.500% | $500 & over |
48 Month | 3.500% | $500 & over |
60 Month | 3.500% | $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: Saturday, September 23rd, 2023 | ||
Type | APY 1 | Balance to Earn APY |
IRA2, HSA3 and Coverdell ESA4 | 0.100% | $0-$9,999 |
0.200% | $10,000-$19,999 | |
0.300% | $20,000-$49,999 | |
0.400% | $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: Saturday, September 23rd, 2023 | ||
Type | APY 1 | Balance to Earn APY |
Young Savers2 | 2.000% | $0-$14,999 |
0.100% | $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: Saturday, September 23rd, 2023 | ||
Term | APY 1 | Balance to Earn APY |
7 Month Youth2 | 5.000% | $500-$1,000 |
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. 2See more 7 Month Youth details here. See Our Rates and Service Charges disclosure here. See our 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. |
Teen Checking Account | ||
Effective Date: Saturday, September 23rd, 2023 | ||
Type | APY 1 | Balance to Earn APY |
Teen Debit Account2 | 0.100% | $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. 2See more Evolution Debit details here. See Our Rates and Service Charges disclosure here. See our 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: Saturday, September 23rd, 2023 | ||
Type | Annual Percentage Yield (APY) | Balance to Earn APY |
Business Savings | 0.100% | $250 - $9,999 |
0.250% | $10,000 - $99,999 | |
0.400% | $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 here. See our 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: Saturday, September 23rd, 2023 | ||
Type | Annual Percentage Yield (APY) | Balance to Earn APY |
Business Checking | 0.150% | $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 here. See our 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. |
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