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.

Rates effective as of July 1, 2021.

Savings Rates as of July 1, 2021. Rates are subject to change.

Savings Rates

Product Name Minimum Balance APY*
Primary Savings** $5 0.05%
Volt Savings Account*** $5 - $1,000 3.00%
Volt Savings Account*** $1,000.01 or more 0.05%
Explorer's Club Savings*** $5 0.05%
IRA Savings Account up to $24,999.99 0.30%
IRA Savings Account $25,000 - $99,999.99 0.40%
IRA Savings Account $100,000 or more 0.60%
Special Savings $0 0.05%
* Annual Percentage Yields (APYs) earned on Arbor Financial Credit Union's savings programs are calculated by the daily balance method. For savings accounts, dividends are compounded and paid quarterly. Dividend rate and APY may change at any time as determined by the Board of Directors. APY shown is accurate as of July 1, 2021.
** Balances of $100.00 or more earn a dividend. A minimum balance of $5.00 is required to maintain membership. Fees may reduce the earnings on the account.
*** A minimum balance of $5.00 is required to maintain membership.

Checking Rates

Product Name Minimum Balance APY*
Momentum Checking+ 10-19 Debit Card Purchases $0 - $15,000 0.75%
Momentum Checking+ 20-29 Debit Card Purchases $0 - $15,000 1.50%
Momentum Checking+ 30 or More Debit Card Purchases $0 - $15,000 3.00%
Free Checking $0 n/a
Premier Checking** $2,500 - $24,999.99 0.05%
Premier Checking** $25,000 - $99,999.99 0.10%
Premier Checking** $100,000 or more 0.20%
* Annual Percentage Yield (APY) earned on Arbor Financial Credit Union's checking programs are calculated by the daily balance method. Dividends are compounded and paid monthly. Dividend rate and APY are variable and may change at any time as determined by the Board of Directors. APY shown is accurate as of July 1, 2021.
** Balances of $2,500 or more earn a dividend. You must maintain a minimum daily balance of $2,500 in your account to avoid a monthly maintenance fee. Fees may reduce earnings on the account.
+ Debit card purchases must post to your account during the calendar month. ATM transactions do not apply. To earn interest, you must meet the following 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.

Money Market Rates

Product Name Minimum Balance APY*
Golden Money Market $500.00 or more 0.05%
Maximum Money Market $500 - $49,999.99 0.05%
Maximum Money Market $50,000.00 - $99,999.99 0.15%
Maximum Money Market $100,000.00 - $199,999.99 0.20%
Maximum Money Market $200,000.00 and above 0.35%

* Annual Percentage Yield (APY) earned on Arbor Financial Credit Union's money market accounts are calculated by the daily balance method. Dividends are compounded and paid quarterly. Dividend rate and APY are variable and may change at any time as determined by the Board of Directors. APY shown is accurate as of July 1, 2021. Transactions are limited to six withdrawals or transfers by means of pre-authorized, automatic, or telephone transfer, or by check, draft, or debit card from your account each calendar month.

Certificate Rates as of March 2, 2020. 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 0.10% 0.15% 0.20% 0.25%
12 Month 0.15% 0.25% 0.30% 0.35%
24 Month 0.25% 0.30% 0.40% 0.50%
36 Month 0.40% 0.50% 0.60% 0.70%
48 Month 0.45% 0.55% 0.70% 0.80%
60 Month 0.60% 0.70% 0.80% 0.90%
84 Month 0.65% 0.75% 0.85% 0.95%
120 Month 0.75% 0.85% 0.95% 1.00%

*Annual Percentage Yields (APYs) earned on certificates are calculated by the actual daily balance method and are paid and compounded monthly. Minimum balance of $500 is required. Early withdrawal penalties apply and will reduce earnings. Rates and offers subject to change at any time without notice. APY shown is accurate as of July 1, 2021.

Certificate Rates as of February 3, 2020. 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% 0.15% 0.20% 0.25%
12 Month Certificate 0.15% 0.25% 0.30% 0.35%
24 Month Certificate 0.25% 0.30% 0.40% 0.50%
36 Month Certificate 0.40% 0.50% 0.60% 0.70%
48 Month Certificate 0.45% 0.55% 0.70% 0.80%
60 Month Certificate 0.60% 0.70% 0.80% 0.90%
84 Month Certificate 0.65% 0.75% 0.85% 0.95%
120 Month Certificate 0.75% 0.85% 0.95% 1.00%

*Annual Percentage Yields (APYs) earned on certificates are calculated by the actual daily balance method and are paid and compounded monthly. Minimum balance of $500 is required. Early withdrawal penalties apply and will reduce earnings. Rates and offers subject to change at any time without notice. APY shown is accurate as of July 1, 2021.

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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