APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates and APYs accurate as of 4/1/2024. Rates subject to change at any time without notice. Fees may reduce earnings.

Product Packages and Deposit Rates

Product Balance to Earn Dividends APY Compounded
Essential Savings Account $500 0.05% Monthly
Special Savings Account $500 0.05% Monthly
Premier - Checking $500 0.01% Monthly
Holiday Club $500 0.05% Monthly
IRA 0.05% Monthly

Note that the IRA product line has been discontinued but existing accounts fall into the posted rate structure.

Money Market Learn More

Balance to Earn Dividends APY Compounded
$0 - $50,000.99 0.50% Monthly
$50,001.00 - $100,000.99 0.60% Monthly
$100,001.00+ 0.70% Monthly

Certificates of Deposit Learn More

Term Balance to Earn Dividends APY Dividend Rate Compounded
3 Month CD $500.00 - $500,000 1.50% 1.49% Maturity
6 Month CD $500.00 - $500,000 3.50% 3.47% Maturity
12 Month CD $500.00 - $500,000 4.50% 4.425% Quarterly
24 Month CD $500.00 - $500,000 4.00% 3.94% Quarterly
36 Month CD $500.00 - $500,000 2.25% 2.23% Quarterly
48 Month CD $500.00 - $500,000 2.00% 1.98% Quarterly
60 Month CD $500.00 - $500,000 1.75% 1.74% Quarterly

Early withdrawals may result in a loss of 90 - 180 days of interest.

Auto Loans Learn More

Type APR Term
New/Refinanced Auto Loans, 2024 as low as 6.99% APR** 60 months
Used Auto Loans, 2023-2020 as low as 6.99% APR** 60 months
Used Auto Loans, 2023-2020 as low as 7.24% APR** 72 months
Used Auto Loans, 2019 and Older as low as 7.24% APR** 60 months

**APR = Annual Percentage Rate. Individual rates vary and are dependent on individual credit history and other underwriting factors. Programs, rates, terms, and conditions are subject to change without notice.

Home Equity Loans Learn More

Type Term Amount APR
Home Equity (Closed End) * 5 Year Term $5,000 - $200,000 As low as 6.99%
Home Equity (Closed End) * 10 Year Term $10,000 - $200,000 As low as 7.50%
Home Equity (Closed End) * 15 Year Term $15,000 - $200,000 As low as 8.00%
Home Equity Line of Credit** (HELOC) 10 Year Draw, 15 Year Payback Period $10,000 - $200,000 As low as 8.50%

*APR=Annual Percentage Rate. Approval and actual rate offered is based on your credit score, term, amount, collateral, and loan-to-value. Offer applies only to principal residences in the state of Michigan. Excludes manufactured homes not on a permanent foundation. Minimum loan amount is $5,000 and the maximum is $200,000. Rates and Terms subject to change. Consult with a reliable tax advisor about the deductibility of home equity loan interest. Other conditions may apply. Federally Insured by NCUA. Equal Housing Opportunity.

 

Other Loans

Type APR
Camper or Motorhome as low as 7.49% APR**
Boat as low as 7.49% APR**
Motorcycle as low as 7.49% APR**
Motorsports (ATVs, jet skis, snowmobiles) as low as 8.99% APR**
Rewards Visa® Credit Card AS LOW AS 11.99% APR
Personal Loans (Unsecured) as low as 10.99% APR
Overdraft Line of Credit as low as 15.75% APR

Rate may vary based on credit score and loan-to-value. Rates subject to change at anytime without notice

**APR = Annual Percentage Rate. Individual rates vary and are dependent on individual credit history and other underwriting factors. Programs, rates, terms, and conditions are subject to change without notice.