About Arbor Financial

Since 1935, Arbor Financial Credit Union has been a trusted financial partner in West and Southwest Michigan, serving families and businesses from Grand Rapids to Three Rivers. We're committed to providing exceptional service and competitive financial solutions, including fantastic rates on loans, mortgages, savings products, and business solutions. Our convenient online and mobile banking platforms, along with access to over 30,000 surcharge-free ATMs nationwide, ensure you have freedom and flexibility with your finances. Experience the Arbor difference—join us and start banking smarter today!

We Help You Handle More

Arbor Financial members get more through their membership — from competitive mortgages to high-return savings accounts and low-interest loans, not to mention tons of membership discounts and expert financial advice, our members have everything they need for financial success.

Get More with Arbor

People helping people across SW Michigan.

Joining Arbor Financial Credit Union makes you more than just a customer — it makes you family. Credit unions are not-for-profit organizations owned by our members, giving you a voice and more control over your financial future whether you’re shopping for a mortgage in Portage or getting a credit card for your small business in Caledonia.

Join thousands of your neighbors who are happy members of Arbor Financial and experience the difference!

The Arbor Story

We’ve proudly served generations of families and business owners since 1935, and today our membership includes more than 47,000 of our friends and neighbors across Southwestern Michigan.

Personal Banking Services

We provide easy, secure banking at your fingertips with state-of-the-art technology and user-friendly online and mobile tools. Arbor offers the full range of personal banking services: checking, savings, loans, and more.

Business Solutions

See what happens when you work with local SW Michigan experts like our Arbor Financial Commercial team. From business checking accounts to lending solutions, we’re here to help your business thrive.

Why Choose Arbor Financial?

For 90 years, Arbor Financial Credit Union has proudly served our community as your trusted financial partner. Established in 1935, we now serve over 46,500 members—and growing—through 12 branches across West and Southwest Michigan.

No matter what stage of your financial journey you're in, Arbor Financial has you covered. Enjoy competitive rates on loans, mortgages, business solutions, and savings, plus the convenience of mobile & online banking services with mobile check deposits, Zelle, Early Pay service, youth accounts, and more!

Plus, to thank our members, we are giving away $9,090 to one lucky winner.^**Just simply be a member by November 10, 2025.

Careers with Arbor

Don’t just find a position — find your people. Our company motto is Work together. Do the right thing. Be creative. Have fun. There’s a reason our employees love working here. If you’re ready to get more out of your next position, then you’re ready for Arbor.

Words from our members:

Nancy, a Arbor Financial Credit Union Member

"It's just so easy to get things done here. I can call and apply for a loan, no problem. I love to utilize mobile and online banking services. I haven't been into a branch in what feels like forever."

Nancy, Arbor Financial Credit Union Member

Kim, a Arbor Financial Credit Union Member

"I keep coming back into the branch to see my favorite people. I love the customer service I receive and the feeling of community I get whenever I walk into the branch."

Kim, Arbor Financial Credit Union Member

Katie, a Arbor Financial Credit Union Member

"I get more with Arbor Financial through a lot, actually. I get more convenience in my life with how easy it is to get things done. Not to mention how amazing the mobile and online banking services are."

Katie, Arbor Financial Credit Union Member

Adam, a Arbor Financial Credit Union Member

“I Get More with Arbor by receiving incredible loan rates on my vehicle I purchased this year. Additionally, the staff at the branch I bank at are exceptional in their customer service and very friendly.”

Adam S., Arbor Financial Credit Union Member

Jane and Arbor Financial member smiling outside of an Arbor location.

“I have been a member for over 9 years and the thing I love most about Arbor Financial is the community. I’m so thankful and happy that we live in a community where we can stay close to people through everyday interactions. Joanne, the Centre Street branch manager, was a close friend of mine in high school and I taught her children in school.”

Jane, Arbor Financial Credit Union Member

Michelle and Corey standing outside of an Arbor Financial Credit Union location.

"Some of our favorite things about Arbor Financial are the online and mobile banking services. We find it so convenient and it makes our life so much easier."

Michelle and Corey, Arbor Financial Credit Union Members

Customer service representative at call center.

"Great customer service as always!"

Charon M., Arbor Financial Credit Union Member

"We didn't need to call anyone else. We knew Arbor Financial would have what we needed."

Jennifer, Arbor Financial Credit Union Member

Jennifer outside of Arbor Financial Credit Union location.

"The super low interest rate on our 10 year consolidation loan has helped us pay off our mortgage faster than we ever thought possible."

Jennifer D., Arbor Financial Credit Union Member

Barbara, an Arbor Financial Credit Union member.

"The tellers and staff at Arbor Financial conduct business so professionally and friendly. I feel at home when I enter the branch and see Carolyn and her team.”

Barbara, Arbor Financial Credit Union Member

"Having only been homeowners for a year prior to our refinance, we were a little nervous to go through the loan process. Arbor educated us on our options, walked us through the action items and communicated with us every step of the way. Kyle did an amazing job answering our constant questions and providing in depth explanations that we could understand. The entire process was smooth and timely. We were so impressed and are SO glad we made the change to Arbor Financial!"

Joe G., Arbor Financial Credit Union Member

Mobile & Online Banking

Access your Arbor Financial Credit Union accounts anywhere, anytime from the palm of your hand with our free mobile banking app.

Convenient and easy to use, Arbor Financial's Mobile Banking App is safe and secure using some of the most advanced security and technology available.

Take the Next Step

Apply for a Loan

Need some additional funds? Complete your loan application in just a few minutes and receive email notifications to keep you up to date on the status.

Become a Member

Join a credit union of people just like you and take care of all of your personal and business banking needs in one place. It takes only five minutes!

Find a Branch

Get convenient access to your money in communities across Southwest Michigan. Visit our credit union branches or find one of more than 30,000 surcharge-free ATMs.

** No purchase necessary to enter or win. Open to members who are legal residents of the United States, 18 years of age or older at time of entry. Void where prohibited. Member must be in good standing at time of drawing to win. Promotional period runs 2/1/25-11/10/25. Click here for full official rules Click here for official rules