APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of 8/5/2019. Rates subject to change at any time without notice. Fees may reduce earnings.
Product Packages and Deposit Rates
| Product | Balance to Earn Dividends | Rate | APY |
|---|---|---|---|
| Savings Account | $500 | 0.10% | 0.10% |
| Premier - Checking | $500 | 0.10% | 0.10% |
| Elite - Checking | $1,000 | 0.20% | 0.20% |
| Exclusive - Checking | $2,500 | 0.50% | 0.50% |
| Holiday Club | $500 | 0.10% | 0.10% |
| IRA | – | 0.50% | 0.50% |
Money Market Learn More
| Balance to Earn Dividends | Rate | APY | Compounded |
|---|---|---|---|
| $0 - $1,999.99 | 0.10% | 0.10% | Monthly |
| $2,000 - $9,999.99 | 0.15% | 0.15% | Monthly |
| $10,000.00 - $24,999.99 | 0.20% | 0.20% | Monthly |
| $25,000.00 - $49,999.99 | 0.30% | 0.30% | Monthly |
| $50,000.00 - $99,999.99 | 0.40% | 0.40% | Monthly |
| $100,000.00+ | 0.50% | 0.50% | Monthly |
Certificates of Deposit Learn More
| Term | Balance to Earn Dividends | Rate | APY |
|---|---|---|---|
| 3 Month CD | $500.00 - $99,999.99 | 0.20% | 0.20% |
| 3 Month CD | $100,000+ | 0.30% | 0.30% |
| 6 Month CD | $500.00 - $99,999.99 | 0.30% | 0.30% |
| 6 Month CD | $100,000+ | 0.40% | 0.40% |
| 9 Month CD | $500.00 - $99,999.99 | 0.35% | 0.35% |
| 9 Month CD | $100,000+ | 0.45% | 0.45% |
| 12 Month CD | $500.00 - $99,999.99 | 0.50% | 0.50% |
| 12 Month CD | $100,000+ | 0.60% | 0.60% |
| 18 Month CD | $500.00 - $99,999.99 | 0.90% | 0.90% |
| 18 Month CD | $100,000+ | 1.00% | 1.00% |
| 24 Month CD | $500.00 - $99,999.99 | 1.00% | 1.00% |
| 24 Month CD | $100,000+ | 1.10% | 1.10% |
| 36 Month CD | $500.00 - $99,999.99 | 1.14% | 1.15% |
| 36 Month CD | $100,000+ | 1.24% | 1.25% |
| 48 Month CD | $500.00 - $99,999.99 | 1.24% | 1.25% |
| 48 Month CD | $100,000+ | 1.34% | 1.35% |
| 60 Month CD | $500.00 - $99,999.99 | 1.74% | 1.75% |
| 60 Month CD | $100,000+ | 1.84% | 1.85% |
Early withdrawals may result in a loss of 90 - 180 days of interest.
Auto Loans Learn More
| Type | APR |
|---|---|
| New/Refinanced Auto Loans, 2020-2019 | as low as 3.24% APR |
| Used Auto Loans, 2018-2015 | as low as 3.74% APR |
| Used Auto Loans, 2014 and Older | as low as 5.74% APR |
| Classic Auto Loan, 1977 and Older | as low as 4.99% APR |
Rate may vary based on credit score and loan-to-value. Rates subject to change at anytime without notice
Home Equity Loans
| Type | Term | Amount | APR |
|---|---|---|---|
| Home Equity (Closed End) * | 5, 10, & 15 Year Terms | $5,000 - $200,000 | As low as 5.10% |
| Home Equity Line of Credit** | 10 Year Draw, 15 Year Payback Period | $10,000 - $200,000 | As low as 4.75% |
*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; maximum is $200,000. Rates and Terms subject to change. Consult with a reliable tax advisor about the deductibility of home equity loan interest. Excludes Home Equity Line of Credit. Other conditions may apply. Federally Insured by NCUA. Equal Housing Opportunity.
**APR=Annual Percentage Rate. APR will be variable based on an index plus or minus a margin for the life of the loan. The index is the highest prime rate as published in the Money Rates section of The Wall Street Journal. The margin ranges from 1.00% to 3.00% and is based on term, loan-to-value, and other promotional factors. The minimum loan amount is $10,000 and the maximum loan amount is $200,000. The APR will never exceed 18% and will never be lower than 3.00%. Loans and actual standard rate offered are subject to approval based on your credit score and collateral. Maximum Loan to Value is 80% (for best rate) and collateral must be titled in the State of Michigan. An appraisal may be required and the cost will be the borrower’s responsibility. 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 4.99% APR |
| Boat | as low as 4.99% APR |
| Motorcycle | as low as 4.99% APR |
| Powersports | as low as 7.24% APR |
| Visa® Credit Cards - Platinum |
AS LOW AS 8.99% APR |
| Visa® Credit Cards - Rewards |
AS LOW AS 9.99% APR |
| Personal Loans (Unsecured) | as low as 9.24% APR |
| Revolving 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