Your money works harder at Arbor Financial

What are you saving for? Whatever your goals, our rates can help you reach them. As a not-for-profit credit union, we give back to our Michigan members in many ways, one of them being higher savings rates than many national banks.

Savings Rates as of January 1, 2018. Rates are subject to change.

Savings Rates

Product Name Minimum Balance APY*
Regular Share Savings* $5 0.10%
Volt Savings Account $5 - $1,000 5.00%
Volt Savings Account $1,001 or more 0.10%
Explorer's Club Savings $5 0.10%
IRA Savings Account up to $24,999.99 0.50%
IRA Savings Account $25,000 - $99,999.99 0.60%
IRA Savings Account $100,000 or more 0.75%
Special Savings $5 0.10%

Annual Percentage Yields (APYs) earned on Arbor Financial Credit Union's checking and savings programs are calculated by the daily balance method. For savings accounts, dividends are compounded monthly and paid quarterly. For checking, dividends are paid monthly.

*Balances of $100.00 or more earn a dividend. Dividend is declared at the end of each quarter by the Board of Directors. Annual Percentage Yield (APY) shown is for the 4th quarter of 2017. A minimum balance of $5.00 is required to maintain membership.

**You must maintain a minimum daily balance of $2,500 in your account to avoid a maintenance fee. If your account falls below the required minimum balance, your account will be subject to a maintenance fee of $25.00 for that month. Fees may reduce earnings on the account.

Annual Percentage Yield (APY) as of 8/8/16. Includes debit card purchases that post to your account during the calendar month. ATM transactions do not apply. To earn interest you must meet the following monthly requirements: direct deposit of $500 or more and be enrolled in eStatements. Interest is not paid on balances over $15,000. One Momentum Checking account per member. Rate is variable and subject to change.

Checking Rates

Product Name Minimum Balance APY*
Momentum Checking+ 10-19 Debit Card Purchases $0 - $15,000 1.00%
Momentum Checking+ 20-29 Debit Card Purchases $0 - $15,000 2.00%
Momentum Checking+ 30 or More Debit Card Purchases $0 - $15,000 4.00%
Free Checking $0 n/a
Premier Checking** $2,500 - $24,999.99 0.10%
Premier Checking $25,000 - $99,999.99 0.20%
Premier Checking $100,000 or more 0.30%

Annual Percentage Yields (APYs) earned on Arbor Financial Credit Union's checking and savings programs are calculated by the daily balance method. For savings accounts, dividends are compounded monthly and paid quarterly. For checking, dividends are paid monthly.

*Balances of $100.00 or more earn a dividend. Dividend is declared at the end of each quarter by the Board of Directors. Annual Percentage Yield (APY) shown is for the 4th quarter of 2017. A minimum balance of $5.00 is required to maintain membership.

**You must maintain a minimum daily balance of $2,500 in your account to avoid a maintenance fee. If your account falls below the required minimum balance, your account will be subject to a maintenance fee of $25.00 for that month. Fees may reduce earnings on the account.

Annual Percentage Yield (APY) as of 8/8/16. Includes debit card purchases that post to your account during the calendar month. ATM transactions do not apply. To earn interest you must meet the following monthly requirements: direct deposit of $500 or more and be enrolled in eStatements. Interest is not paid on balances over $15,000. One Momentum Checking account per member. Rate is variable and subject to change.

Money Market Rates

Product Name Minimum Balance APY*
Golden Money Market $500.00 or more 0.12%
Maximum Money Market $0 - $49,999.99 0.12%
Maximum Money Market $50,000.00 - $99,999.99 0.20%
Maximum Money Market $100,000.00 - $199,999.99 0.30%
Maximum Money Market $200,000.00 - $299,999.99 0.35%
Maximum Money Market $300,000.00 - $399,999.99 0.40%
Maximum Money Market $400,000.00 - $499,999.99 0.50%
Maximum Money Market $500,000.00 - $599,999.99 0.60%
Maximum Money Market $600,000 or more 1.00%

Annual Percentage Yields (APYs) earned on Arbor Financial Credit Union's checking and savings programs are calculated by the daily balance method. For savings accounts, dividends are compounded monthly and paid quarterly. For checking, dividends are paid monthly.

*Balances of $100.00 or more earn a dividend. Dividend is declared at the end of each quarter by the Board of Directors. Annual Percentage Yield (APY) shown is for the 4th quarter of 2017. A minimum balance of $5.00 is required to maintain membership.

**You must maintain a minimum daily balance of $2,500 in your account to avoid a maintenance fee. If your account falls below the required minimum balance, your account will be subject to a maintenance fee of $25.00 for that month. Fees may reduce earnings on the account.

Annual Percentage Yield (APY) as of 8/8/16. Includes debit card purchases that post to your account during the calendar month. ATM transactions do not apply. To earn interest you must meet the following monthly requirements: direct deposit of $500 or more and be enrolled in eStatements. Interest is not paid on balances over $15,000. One Momentum Checking account per member. Rate is variable and subject to change.

Certificate Rates as of February 1, 2018. Rates are subject to change.

Certificate Rates

Deposit $500 - $29,999.99 $30,000 - $69,999.99 $70,000 - $124,999.99 $125,000+
Term APY* APY* APY* APY*
6 Month Certificate 0.10% 0.25% 0.50% 0.60%
7 Month Certificate Special** 0.50% 1.00% 1.51% 2.02%
12 Month Certificate 0.15% 0.25% 0.50% 0.75%
24 Month Certificate 0.25% 0.75% 1.00% 1.26%
25 Month Certificate Special** 0.65% 1.26% 1.76% 2.27%
36 Month Certificate 0.40% 0.50% 0.75% 1.51%
48 Month Certificate 0.40% 0.50% 1.00% 1.76%
60 Month Certificate 0.75% 1.00% 2.02% 2.27%
62 Month Certificate Special*** 1.00% 1.51% 2.02% 3.04%
84 Month Certificate 1.51% 2.02% 2.27% 2.53%
120 Month Certificate 1.76% 2.27% 2.53% 3.04%

*Annual Percentage Yields (APYs) earned on certificates are calculated by the actual daily balance method and are paid and compounded monthly. A penalty may be imposed for withdrawals before maturity. 

**Early withdrawal penalty of 180 days interest on amount withdrawn.

***Early withdrawal penalty of 365 days interest on amount withdrawn.

Certificate Rates as of February 1, 2018. Rates are subject to change.

Traditional, Roth, IRA Certificates

Deposit $500 - $29,999.99 $30,000 - $69,999.99 $70,000 - $124,999.99 $125,000+
Term APY* APY* APY* APY*
6 Month Certificate 0.10% 0.25% 0.50% 0.60%
7 Month Certificate Special** 0.50% 1.00% 1.51% 2.02%
24 Month Certificate 0.25% 0.75% 1.00% 1.26%
25 Month Certificate Special** 0.65% 1.26% 1.76% 2.27%
36 Month Certificate 0.40% 0.50% 0.75% 1.51%
48 Month Certificate 0.40% 0.50% 1.00% 1.76%
60 Month Certificate 0.75% 1.00% 2.02% 2.27%
62 Month Certificate Special*** 1.00% 1.51% 2.02% 3.04%
84 Month Certificate 1.51% 2.02% 2.27% 2.53%
120 Month Certificate 1.76% 2.27% 2.53% 3.04%

*Annual Percentage Yields (APYs) earned on certificates are calculated by the actual daily balance method and are paid and compounded monthly. A penalty may be imposed for withdrawals before maturity.

**Early withdrawal penalty of 180 days interest on amount withdrawn.

***Early withdrawal penalty of 365 days interest on amount withdrawn.

Fees and transaction limitations may be assessed against your account. Please refer to our fee schedule for additional information about rates and fees.

Why choose Arbor Financial?
"They now have helped me with 2 loans and I am wowed to say the least. I tried another local credit union for one of the loans, it took them over a week to call back. Tonya had me hooked up with my new loan before the other credit union even bothered calling. They are very responsive to all my questions and even offered helpful advice to help build my credit even further! I am in the process of switching all of my banking over to them!" Jenn S Read More Member Stories  

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