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Rates


Our Rates and Service Charges, and other Disclosures

 

Vehicle Loans

Auto or Motorcycle

Auto or Motorcycle
Effective Date: Sunday, June 16th, 2024
Model YearTermAPR as low as1
2024 or older 60 months 6.24%
  72 months 7.49%
2022 or newer, $25,000 min 84 months 8.24%
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 6.24% APR for a term of 60 months would require 60 monthly payments of $19.45 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

Recreational Vehicle
Effective Date: Sunday, June 16th, 2024
TermAPR as low as1
36 months 6.99%
60 months 7.49%
72 months 7.99%
84 months 8.49%
120 months 9.99%
180 months 10.29%
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 6.99% APR for a term of 36 months would require 36 monthly payments of $30.87 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

Sport Vehicle
Effective Date: Sunday, June 16th, 2024
TermAPR 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%
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 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 Cards

Credit Card
Effective Date: Sunday, June 16th, 2024
TypeAPR 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 hereAll 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

Personal
Effective Date: Sunday, June 16th, 2024
TermAPR as low as1
36 month 10.49%
37-60 month 11.24%
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 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

Revolving Line of Credit
Effective Date: Sunday, June 16th, 2024
TypeAPR 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.

Home Loans

Mortgages

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)

Variable Rate Home Equity Line of Credit (HELOC)
Effective Date: Sunday, June 16th, 2024
Loan-to-Value (LTV)TermVariable 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 $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.

The estimated monthly payment per $15,000 borrowed at 9.25% APR for a term of 15-Year Amortization with 80% loan-to-value (LTV) would require 180 monthly payments of $154.41 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)

Fixed Rate Home Equity Line of Credit (HELOC)
Effective Date: Sunday, June 16th, 2024
Loan-to-Value (LTV)TermFixed 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 $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.

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

Student Loans
Effective Date: Sunday, June 16th, 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
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

Savings and Club Accounts
Effective Date: Sunday, June 16th, 2024
TypeAPY1Balance 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 0.100% $250 and over
Emergency Savings 5.000% $0 - $500
  0.05% $501 & 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 hereAll 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.

Money Plus

Money Plus
Effective Date: Sunday, June 16th, 2024
TypeAPY 1Balance to Earn APY
Money Plus 0.500% $2,500-$9,999
  0.850% $10,000-$99,999
  1.050% $100,000-$249,999
  1.250% $250,000-$499,999
  1.700% $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

Checking Accounts
Effective Date: Sunday, June 16th, 2024
TypeAPY 1Balance to Earn APY
Essential Checking 0.000% N/A
Premium Checking 0.200% $10,000 & over
Premium Checking Rewards2 5.000% $2,500 - $10,000
  0.100% $10,001-$24,999
  0.050% $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 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

Share Certificate Specials
Effective Date: Sunday, June 16th, 2024
TermAPYBalance to Earn APY
12 Month Save to Win 4.250% $25 & over
12 Month Smart Savers 4.250% $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 hereAll 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

Share Certificates and IRA Share Certificates
Effective Date: Sunday, June 16th, 2024
TermAPY 1Balance to Earn APY
6 Month 3.850% $500 & over
12 Month 4.250% $500 & over
24 Month 3.650% $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.
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.

IRA,HSA and Coverdell ESA

IRA, HSA and Coverdell ESA

IRA, HSA and Coverdell ESA
Effective Date: Sunday, June 16th, 2024
TypeAPY 1Balance to Earn APY
IRA, HSA and Coverdell ESA 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.
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.

Youth Accounts

Youth Savings

Youth Savings
Effective Date: Sunday, June 16th, 2024
TypeAPY 1Balance 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.
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.

Youth Share Certificate

Youth Share Certificate
Effective Date: Sunday, June 16th, 2024
TermAPY 1Balance to Earn APY
7 Month Youth 4.000% $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.

See Our Rates and Service Charges disclosure and Member Service Agreement hereAll 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

Spending Account
Effective Date: Sunday, June 16th, 2024
TypeAPY 1Balance to Earn APY
Spending Account 0.050% $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 hereAll 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

Business Savings
Effective Date: Sunday, June 16th, 2024
TypeAnnual 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 hereAll 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

Business Checking
Effective Date: Sunday, June 16th, 2024
TypeAnnual 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 and Business Member Service Agreement hereAll 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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