Our Rates & Service Charges

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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.

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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.

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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.

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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.

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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.

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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.

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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.

Contact 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.

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.

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.

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. ²The 9 Month Certificate Special is a Promotional Certificate. Upon maturity, the certificate will renew at the next lowest regular certificate term and rate.

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.

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.

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.

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.

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.

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.

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.