Become a Member and Enjoy Banking Made Easy
It only takes 5 minutes to join Arbor Financial Credit Union, but it will be well worth your time.
- Personal
- Checking & Savings
- Checking
- Free CheckingNo minimum balance or service fees.
- Momentum CheckingEarn up to 4.00% APY on balances up to $15,000 when you use your debit card.
- Premier CheckingSizable dividends and easy access.
- Select Checking Earn 2.30% APY on balances of $250,000 and greater.
- Volt BankingDesigned for young adults (age 19-24). Offering reduced fees.
- Savings
- Youth & Teen
- Deposit Rates
- Services
- Debit & ATM Cards
- ATM Locator
- ID Protect
- Checking
- Home Loans
- Credit Cards
- Loans
- Auto
- Auto Loan OverviewLow rates and fast approvals put you in the driver's seat.
- New & Used Auto LoansWhether it's a new car or used one we have financing options for you.
- Refinance Auto LoansRefinancing can be a great financial move by lowering your auto payment or shortening the term of your loan.
- Motorcycle LoansTake on the open road with two wheels and low rates for all types of motorcycles.
- Loan ProtectionProtect your assets. Insure your loans. Ease your mind.
- RV & Boat
- Home Equity Loans
- Personal Loans
- Skip a Payment
- Calculate a Payment
- Rates
- Loan Payments
- Auto
- Services
- Digital Banking Tools
- Mobile & Online Banking Bank anytime. Bank anywhere. Pay your bills online, check your balance, apply for a loan and monitor your finances when it's convenient for you.
- Digital Wallet Leave your wallet in your pocket, or at home, and just tap your phone toward the point of sale for a contactless transaction.
- TellerPhone 24With TellerPhone 24, you can manage your accounts anytime, without going online.
- Insurance
- Title Services
- Extended Vehicle Warranty
- Skip a Payment
- Rates
- Calculators
- Help Center
- Card Help Center Have questions about your debit or credit card? We can help!
- Security Center Learn what to do if you suspect fraud, view fraud prevention tips and common scams in the area.
- Mortgage Help Center Have mortgage questions? We can help!
- Identity Theft Protection Get peace of mind with our 24/7 protection through ID protect and Total Identity Monitoring.
- Learn
- Digital Banking Tools
- Wealth Management
- Wealth Management
- Retirement Planning & Investments Discover savings and investment options to plan for your golden years.
- Savings Get financially fit by adding power to your portfolio.
- Education Funding Explore different options to finance college tuition and more.
- Financial Advisor Discuss IRAs, mutual funds, life insurance, and more with an on-site Wealth Management Advisor.
- Wealth Management
- Checking & Savings
- Business
- About Arbor
- Personal
- Checking & Savings
- Checking
- Free CheckingNo minimum balance or service fees.
- Momentum CheckingEarn up to 4.00% APY on balances up to $15,000 when you use your debit card.
- Premier CheckingSizable dividends and easy access.
- Select Checking Earn 2.30% APY on balances of $250,000 and greater.
- Volt BankingDesigned for young adults (age 19-24). Offering reduced fees.
- Savings
- Youth & Teen
- Deposit Rates
- Services
- Debit & ATM Cards
- ATM Locator
- ID Protect
- Checking
- Home Loans
- Credit Cards
- Loans
- Auto
- Auto Loan OverviewLow rates and fast approvals put you in the driver's seat.
- New & Used Auto LoansWhether it's a new car or used one we have financing options for you.
- Refinance Auto LoansRefinancing can be a great financial move by lowering your auto payment or shortening the term of your loan.
- Motorcycle LoansTake on the open road with two wheels and low rates for all types of motorcycles.
- Loan ProtectionProtect your assets. Insure your loans. Ease your mind.
- RV & Boat
- Home Equity Loans
- Personal Loans
- Skip a Payment
- Calculate a Payment
- Rates
- Loan Payments
- Auto
- Services
- Digital Banking Tools
- Mobile & Online Banking Bank anytime. Bank anywhere. Pay your bills online, check your balance, apply for a loan and monitor your finances when it's convenient for you.
- Digital Wallet Leave your wallet in your pocket, or at home, and just tap your phone toward the point of sale for a contactless transaction.
- TellerPhone 24With TellerPhone 24, you can manage your accounts anytime, without going online.
- Insurance
- Title Services
- Extended Vehicle Warranty
- Skip a Payment
- Rates
- Calculators
- Help Center
- Card Help Center Have questions about your debit or credit card? We can help!
- Security Center Learn what to do if you suspect fraud, view fraud prevention tips and common scams in the area.
- Mortgage Help Center Have mortgage questions? We can help!
- Identity Theft Protection Get peace of mind with our 24/7 protection through ID protect and Total Identity Monitoring.
- Learn
- Digital Banking Tools
- Wealth Management
- Wealth Management
- Retirement Planning & Investments Discover savings and investment options to plan for your golden years.
- Savings Get financially fit by adding power to your portfolio.
- Education Funding Explore different options to finance college tuition and more.
- Financial Advisor Discuss IRAs, mutual funds, life insurance, and more with an on-site Wealth Management Advisor.
- Wealth Management
- Checking & Savings
- Business
- About Arbor
Why You Should Choose Arbor
If you live, work, or worship in the state of Michigan, you can join Arbor Financial Credit Union. Why choose us?
- High-return savings and checking accounts
- Low-interest loans
- Local, friendly service
- Expert financial advice
- Products that fit every lifestyle
We also provide checking accounts with loads of free features, including Mobile & Online Banking, credit score, Zelle, and Early Pay.
No, we're not a bank. We're something better.
Recognized by Forbes. Driven by Purpose.
At Arbor, we’re here to grow the financial well-being of our members. That means making everyday money management easier and being there for important moments, whether it's buying a first home, paying off debt, saving for the future, or navigating unexpected challenges. We’re honored to be recognized by Forbes as one of Michigan's Best Credit Unions for 2026, and for the trust our members place in us each day. Ready to become a member at one of the best credit unions in Michigan?
How to become an Arbor Financial member:
Join In Person
Just stop by any branch! Bring your driver’s license or other unexpired government-issued photo ID and a minimum deposit of $5. To save time, use the button below to print the membership application and complete it in advance.
Have Questions?
If you have questions about anything we have to offer, chat with us online or call us at 269.375.6702 or 800.442.7340. When you join, you get access to special Member Discounts, and we'll show you how to make the most of your Arbor Financial membership. And be sure to ask about our checking accounts. We offer free access to more than 30,000 ATMs throughout Michigan and across the nation, plus fee-free access to Mobile Banking, Bill Pay and much more. It's easy to switch your account from another financial institution to become an Arbor Financial member.

