Get the financing you need for the things you want

As a not-for-profit credit union, we're able to offer some of the lowest loan rates in Michigan because we're owned by you, our member. Take advantage of our loan rate structure to make big purchases, refinance an existing loan to save, to get a credit card and more.

Rates effective as of November 18, 2020.

Auto & Motorcycle Loans

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Year Term APR as low as ¹
2021-2020 Up to 36 months 1.49%
37 - 48 months 1.74%
49 - 60 months 2.24%
61 - 72 months (Call for details) 2.99%
73 - 84 months (Call for details) 3.49%
85 - 96 Months (Call for details)* 4.49%
2019-2014 Up to 36 months 1.49%
37 - 48 months 1.74%
49 - 60 months 2.49%
61 - 72 months (Call for details) 2.99%
73 - 84 months (Call for details) 3.74%
85 - 96 months (Call for details)* 4.49%
¹Annual Percentage Rate (APR). Rates disclosed are the lowest rates available and are determined by your credit score at the time of application. Rates subject to change.

*85 - 96 month term is available to borrowers with a maximum vehicle age of two years, with a minimum loan amount of $45,000, and with qualifying credit. Call for details.​

RV, Boat and Travel Trailer Loans

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RV, Boat, and Travel Trailer Loans

Term APR as low as ¹
Up to 60 months 3.74%
61 to 84 months 4.24%
85 to 120 months 4.74%
121 to 180 months 5.24%

ATV, Snowmobile and Dirt Bike Loans

ATV, Snowmobile and Dirt Bike Loans

Term APR as low as ¹
Up to 60 months 5.49%
¹Annual Percentage Rate (APR). Rates disclosed are the lowest rates available and are determined by your credit score at the time of application. Rates subject to change.

Mortgage Loan Specials

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Mortgage Specials

Term Rate with 0 pt as low as* APR with 0 pt as low as* Rate with 1 pt as low as* APR with 1 pt as low as*
PURCHASE OR REFINANCE MORTGAGE SPECIALS
7 Year Fixed Special 1.740% 2.025% - -
10 Year Fixed Special 1.990% 2.193% - -
12 Year Fixed Special 2.240% 2.411% - -

Purchase Rates (Fixed)

Rates are discounted 0.25%. Please call 269.544.3105 for rates.
Terms available: 30 year, 25 year, 20 year, 15 year
 

Refinance Rates (Fixed)

Please call 269.544.3105 for rates.
Terms available: 30 year, 25 year, 20 year, 15 year
 

No Money Down & No PMI Mortgages

Please call 269.544.3105 for rates.
Terms available: 30 year, 15 year, 10 year, 7 year
 

3% Down Mortgages

Please call 269.544.3105 for rates.
Terms available: 30 year, 25 year, 20 year, 15 year

Please call 269.544.3105 for rates.

Terms available: 30 year, 20 year, 15 year, 10 year

Please call 269.544.3105 for rates.

Terms available: 30 year, 20 year, 15 year

Vacant Land, FHA, VA, Rural Development, or Construction Loans

Please call 269.544.3105 for rates.

Home Equity Line of Credit

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Name APR as low as**
Home Equity Line of Credit 3.25%
**Annual Percentage Rate (APR). The APR is variable, based on Prime plus a margin determined by your credit score and the Loan-to-Value ratio of your home. The maximum APR is 15%. Subject to credit approval. An Automated Valuation Model (AVM) will be used to determine equity on HELOC requests amounts less than $75,000. Members have the option to purchase an appraisal at their own cost if they disagree with the AVM value. Subject to change without notice.
 

Credit Cards

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Name Term APR as low as*
Advantage Visa Card Open-end 6.00%
Rewards Visa Card Open-end 9.25%
*Rates as of October 1, 2020. APR = Annual Percentage Rate. Lowest rate featured based on credit score of 750. Rates are variable. Qualification is based on an assessment of individual creditworthiness and our underwriting standard. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Not all applicants will qualify. Contact us for more information.

Personal Loans

Term Length APR as low as *
Up to 36 months 3.85%
37 to 60 months 4.85%
61 to 84 months 5.85%
*Annual Percentage Rate (APR). The rate you receive will be determined by your credit score at the time of application and the term of your loan. Loan subject to credit approval. Qualifying borrowers may be eligible to defer their first payment for up to 60 days, dependent upon credit score and when the loan closes. Interest accrues from date of loan disbursement.
*Annual Percentage Rate (APR). Rates disclosed with an * are the lowest rates available and are determined by your credit history and underwriting factors at time of application. The rates shown for fixed-rate and jumbo mortgages are the lowest available for each term listed. APRs are calculated on a $150,000 mortgage amount for the fixed-rate loans, and $500,000 for the jumbo, both with no PMI. Rate listed is for a first-lien purchase money mortgage on owner occupied single family detached primary residence only. Payments do not include amounts for mortgage insurance premiums or escrow accounts and the actual payment obligation may be higher. Not all applicants will qualify. Programs, rates, terms and conditions are subject to change without notice. Other restrictions may apply.


 
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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