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 October 2, 2019

Auto & Motorcycle Loans

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Year Term APR as low as ¹
2019-2018 Up to 36 months 3.49%
37 - 60 months 3.49%
61 - 72 months (Call for details) 3.74%
73 - 84 months (Call for details) 4.24%
85 - 96 Months (Call for details)* 5.24%
2017-2012 36 months 3.49%
37-60 months 3.74%
61-72 months (Call for details) 3.99%
73-84 months (Call for details) 4.74%
85-96 months (Call for details)* 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.

*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 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

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.

Fixed Rate Mortgages

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Fixed Rate Mortgages

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 3.750% 3.835% 3.500% 3.666%
20 Year 3.625% 3.743% 3.375% 3.606%
15 Year 3.375% 3.526% 3.125% 3.422%

3% Down Mortgages

3% Down Mortgages

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% 4.840% 4.500% 4.676%
20 Year 4.625% 4.747% 4.375% 4.615%
15 Year 4.375% 4.530% 4.125% 4.430%

Mortgage Loan Specials

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*
30 Year Special - No Money Down & No PMI 5.250% 5.342%
10 Year Special - Finance up to 100% 3.250% 3.468%
7 Year Special - Finance up to 100% 3.000% 3.304%

Jumbo 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 Jumbo 4.500% 4.526% 4.250% 4.361%
20 Year Jumbo 4.375% 4.411% 4.125% 4.278%
15 Year Jumbo 4.125% 4.171% 3.875% 4.069%
10 Year Jumbo 4.000% 4.066% 3.750% 4.030%

Physician 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 4.000% 4.026% 3.750% 3.858%
20 Year 3.875% 3.910% 3.625% 3.775%
15 Year 3.625% 3.670% 3.375% 3.567%

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 1.99% Introductory rate
*Annual Percentage Rate (APR). Beginning 8/12/19, a special introductory HELOC APR will be 1.99% for the first 6 months, and then switch to variable, based on Prime plus a margin determined by your credit score and the Loan-to-Value ratio of your home. Introductory APR applies only to new loans. The HELOC maximum APR is 15%. Subject to credit approval. An Automated Valuation Model (AVM) will be used to determine equity on HELOC request 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 7.75%
Rewards Visa Card Open-end 11.00%
*Rates as of October 2, 2019. APR = Annual Percentage Rate. Lowest rate featured based on credit score of 750. Rates are variable. Qualification is based on an assesment 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.

Lifestyle Loans

Name Term APR as low as*
Relocation Loan up to 36 months 7.99%
Relocation Loan Up to 60 months 6.99%
Wellness Loan up to 60 months 6.99%
*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.

Personal Loans

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Personal Loans

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

Other Loans

Other Loans

Name Term 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 9.00%
*** 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.
*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.


 
Volt Account
"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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