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 July 19, 2018

Auto & Motorcycle Loans

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Term APR as low as *
Up to 36 months 2011-2018 3.24%
37 - 60 months 2011-2018 3.49%
61 - 72 months (Call for details) 3.74%
73 - 84 months (Call for details) 4.24%
Up to 60 months 2010 and older 4.74%

RV, Boat and Travel Trailer Loans

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Term APR as low as *
Up to 60 months 4.24%
61 to 84 months 4.74%
85 to 120 months 5.24%
121 to 180 months 5.74%

ATV, Snowmobile and Dirt Bike Loans

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Term APR as low as *
Up to 60 months 5.24%

Personal Loans

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Term APR as low as *
Up to 36 months 6.99%
37 to 60 months 6.99%
61 to 84 months 7.49%

Mortgage Specials

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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*
**30 Year Special No PMI, No Money Down 5.500% 5.585% 5.250% 5.425%
**15 Year Special No PMI, No Money Down 5.000% 5.204% 4.750% 5.107%
**10 Year Special No PMI, No Money Down 2.990% 3.186% 2.740% 3.147%
**7 Year Special No PMI, No Money Down 2.240% 2.556% 1.990% 2.601%

Fixed Rate Mortgages

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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*
**30 Year Special No PMI, No Money Down 5.500% 5.585% 5.250% 5.425%
30 Year 4.500% 4.580% 4.250% 4.415%
20 Year 4.375% 4.484% 4.125% 4.369%
**15 Year Special No PMI, No Money Down 5.000% 5.204% 4.750% 5.107%
15 Year 4.250% 4.389% 4.000% 4.289%
**10 Year Special No PMI, No Money Down 2.990% 3.186% 2.740% 3.147%
**7 Year Special No PMI, No Money Down 2.240% 2.556% 1.990% 2.601%

3% Down Mortgages

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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*
30 Year 5.500% 5.599% 5.250% 5.439%
20 Year 5.375% 5.507% 5.125% 5.379%
15 Year 5.250% 5.417% 5.000% 5.321%

Bi-Weekly Mortgages

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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*
30 Year 5.000% 5.096% 4.750% 4.933%
20 Year 4.875% 5.005% 4.625% 4.874%
15 Year 4.750% 4.914% 4.500% 4.816%

Jumbo Mortgages (loans $453,101 & over++)

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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*
30 Year Jumbo 5.250% 5.326% 5.000% 5.165%
20 Year Jumbo 5.125% 5.228% 4.875% 5.098%
15 Year Jumbo 5.000% 5.130% 4.750% 5.032%
10 Year Jumbo 3.740% 3.921% 3.490% 3.885%

Physician Mortgage

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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*
30 Year 4.750% 4.824% 4.500% 4.660%
20 Year 4.625% 4.726% 4.375% 4.594%
15 Year 4.500% 4.628% 4.250% 4.529%

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

Please call for Rates

Home Equity Line of Credit

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Name APR as low as**
Home Equity Line of Credit 5.00%

Credit Cards

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Name Term APR as low as**
Advantage Visa Card Open-end 7.75%
Rewards Visa Card Open-end 11.00%

* The APR as of 7/1/18 and subject to change. Rate is variable based on market value and credit worthiness.

Other Loans

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Name APR as low as**
Share Secured Up to 36 months 1.99%
Share Secured 37 to 60 months 2.99%
***EZ Access Line of Credit Open-end 8.75%

CD secured loan rates are 2% plus the current CD interest rate, please call for more details.

*Annual Percentage Rate (APR). Rates disclosed with an * are the lowest rates available and are determined by your credit score at time of application. Some restrictions apply.  Rates subject to change.  

**Annual percentage rate (APR). The Home Equity Line of Credit APR is a variable rate and is determined by the Prime Rate plus a margin determined by your credit score and the Loan-to-Value ratio of your home. The maximum APR that may be imposed is 15%. Subject to credit approval.

*** Annual percentage rate (APR). The EZ Access Line of Credit APR is determined by rounding the monthly average of the 26-Week U.S. Treasury Bill rate to the nearest one-tenth percent and adding seven percentage points. This rate can change monthly.

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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