Current Rates

APY = Annual Percentage Yield

Dividends are calculated using the daily balance, paid and compounded quarterly. $100 minimum balance required to earn dividends if age 18 or older. No minimum balance required if under 18. Dividend rate is subject to change at any time. Fees may reduce earnings on the regular savings account.

All member accounts are insured up to $1,000,000 (one million dollars) - Federally insured by NCUA up to $250,000 and insured up to an additional $750,000 by Excess Share Insurance, a private insurance company.

APY = Annual Percentage Yield

Dividends are calculated using the daily balance, paid and compounded monthly. $2500 minimum balance required to open and to earn dividends. Dividend rate is subject to change at any time.

All member accounts are insured up to $1,000,000 (one million dollars) - Federally insured by NCUA up to $250,000 and insured up to an additional $750,000 by Excess Share Insurance, a private insurance company.

APY = Annual Percentage Yield

A minimum of $1,000 is required to purchase all Share Certificates.

* Penalty for early withdrawal of funds may apply on Certificate products.

All member accounts are insured up to $1,000,000 (one million dollars) - Federally insured by NCUA up to $250,000 and insured up to an additional $750,000 by Excess Share Insurance, a private insurance company.

APY = Annual Percentage Yield | $1,000 minimum deposit required to earn Heroes Certificate rates. *Penalty for early withdrawal of funds may apply on Certificate products. Heroes CD/IRA CD rates only apply to those opened after program enrollment. If you have an existing CD/IRA CD prior to enrollment, contact us at maturity to switch your CD/IRA CD type to Heroes. 

All member accounts are insured up to $1,000,000 (one million dollars) - Federally insured by NCUA up to $250,000 and insured up to an additional $750,000 by Excess Share Insurance, a private insurance company.

Learn how to enroll in our Loving Our Communities Heroes Program

Example: A loan amount of $25,000 with a rate as low as 5.29% for 66 months would have an approximate monthly payment of $437.00

APR = Annual Percentage Rate | *Credit score 700+ required. Available for up to 80% financing.

Subject to approval. Approval and actual rate and term offered is based on overall creditworthiness factors and satisfactory collateral. 

Learn how to enroll in our Loving Our Communities Heroes Program

Example: A loan amount of $15,000 with a rate as low as 6.90% for 48 months would have an approximate monthly payment of $359.00

APR = Annual Percentage Rate | Maximum LTV of 85% | 150,000 maximum mileage at time of application.

Contact us for more information. CARFAX Report pulled on all vehicles. Additional restrictions apply.

Learn how to enroll in our Loving Our Communities Heroes Program

Example: A loan amount of $20,000 with a rate as low as 6.80% for 48 months would have an approximate monthly payment of $477.00

APR = Annual Percentage Rate | Maximum LTV of 90% | $100,000 maximum loan amount. Loan amounts greater than $100,000 will be reviewed on a case by case basis.

Contact us for more information. CARFAX Report pulled on all vehicles. Additional restrictions apply.

Learn how to enroll in our Loving Our Communities Heroes Program

Payment Example: A loan amount of $50,000 with a rate as low as 5.99% for 60 months would have an approximate monthly payment of $966.00

APR = Annual Percentage Rate | 100% Max LTV

Subject to approval.  Approval and actual rate and term offered is based on overall creditworthiness factors and satisfactory collateral. Restrictions Apply.

Example: A loan amount of $7,500 with a rate as low as 7.30% for 48 months would have an approximate monthly payment of $180.00

APR = Annual Percentage Rate

Model Years 2017 and older will be considered on an individual basis

Subject to approval.  Approval and actual rate and term offered is based on overall creditworthiness factors and satisfactory collateral.

*Standard rate offered and approval based on overall creditworthiness factors and collateral. Introductory rate valid for 9 months from the open date after which the rate will default to the standard variable rate. Minimum loan amount is $5,000 and maximum is $300,000. Combined loan-to-value may not exceed 80%. Lien must not exceed second position. Third lien position will only be considered if LOC holds first or second position. Property must be a single-family, owner-occupied principal residence located in the state of Michigan. Certain programs may allow for a second home property to be used as security. Modular/manufactured homes may be allowed. Homeowners insurance policy required, and if applicable, flood insurance. The credit union waives all third-party fees. A recoupment fee of up to $395 will be assessed if you close your account within 24 months of the open date. Maximum APR is 18%. Other conditions and restrictions may apply. Contact the credit union for complete details. Rates accurate as of 3/28/2025. Product may be changed or discontinued at any time.

This financing option is only available on single unit, owner-occupied, primary residences located in the state of Michigan

Rates are not risk-based; all members will get the same low rate based on the loan to value of their home and LOC's lien position.

*Maximum loan amount for up to 3 year term is $20,000.

Minimum amount to borrow is $5,000; maximum amount is $300,000.

Approval is based on overall creditworthiness factors and satisfactory collateral. All loans, terms and conditions are subject to Credit Union qualifications & may vary based on creditworthiness. Restrictions may apply. 

Example: A loan amount of $75,000 with a rate as low as 5.75% for 84 months would have an approximate monthly payment of $1,087.

Payment example does not include homeowner insurance, property taxes, private mortgage insurance, or homeowner association dues.

Homeowner insurance required.

APR = Annual Percentage Rate

Financing is only available on single unit, owner-occupied residences located in the state of Michigan.

Approval is based on overall creditworthiness factors and satisfactory collateral.

Example: A loan amount of $35,000 with a rate of 6.29% APR for 120 months would have an approximate monthly payment of $394.86

APR = Annual Percentage Rate

5/5 ARM - 30 Year

7/1 ARM - 30 Year

All payment examples are based on a sample purchase transaction of $250,000 with 20% down and a FICO score of 780 or greater for a single family residence.

Payment example does not include homeowner insurance, property taxes, private mortgage insurance, or homeowners association dues. Actual payments may vary based on amount, term, APR, taxes and insurance and other factors. Homeowner insurance required. All loans terms and conditions are subject to Credit Union qualifications and approval. Some restrictions may apply.

^{^}Representative examples of payments after first adjustment.

15 Year Fixed

30 Year Fixed

All payment examples are based on a sample purchase transaction of $250,000 with 20% down and a FICO score of 780 or greater for a single family residence.

Payment example does not include homeowner insurance, property taxes, private mortgage insurance, or homeowners association dues. Actual payments may vary based on amount, term, APR, taxes and insurance and other factors. Homeowner insurance required. All loans terms and conditions are subject to Credit Union qualifications and approval. Some restrictions may apply.

^{^}Representative examples of payments after first adjustment.

 Example: A loan amount of $7,500 with a rate as low as 10.50% for 36 months would have an approximate monthly payment of $244.00

APR = Annual Percentage Rate

All loans, terms and conditions are subject to Credit Union qualifications & may vary based on creditworthiness.

*Approval, credit limit, and actual rate offered based on overall creditworthiness factors. See LOC Visa Credit Card Disclosure for additional information on credit terms and costs.