
- About Arbor
- About
- Our Story
Our Story
Decades ago, we got our start meeting the needs of local teachers. Now, we provide A-plus financial services to over 46,000 members in Southwest Michigan.

- Personal
- Checking & Savings
- Checking
- Free Momentum CheckingEarn up to 3.00% APY+ on your balance, the more you use your debit card.
- Free CheckingKeep moving ahead with no minimum balance or monthly service fees slowing you down.
- Premier CheckingSizable dividends and easy access are the feature attractions.
- Volt BankingDesigned for young adults (age 19-24). Offering seriously reduced fees as you learn to manage your money.
- Savings
- CD & IRAStart saving for the longer term with competitive rates and certain tax advantages.
- Money MarketEarn a higher APY while enjoying the convenience of immediate access to your savings. A $500 minimum deposit is required to open a Maximum Money Market Account.
- Special SavingsSave for holidays, vacations and all the special moments in between.
- Youth & Teen
- Debit & ATM Cards
- Ways to Manage Your Money
- Mobile & Online BankingBank anytime. Bank anywhere. Pay your bills online, check your balance, apply for a loan and monitor your finances when it's convenient for you.
- Digital WalletLeave your wallet in your pocket, or at home, and just tap your phone toward the point of sale for a contactless transaction.
- Video TutorialsLearn all the features and functions that mobile and online banking offers.
- Deposit Rates
- Checking
- Home Loans
- Buy a Home
- Mortgage OptionsDiscover the mortgage that's right for you.
- Fixed Rate MortgagesFlexible terms and stable monthly payments.
- Low & No Money DownPerfect for first-time home buyers with limited downpayment.
- FHA LoansGreat for first-time buyers with less-than-perfect credit.
- Bridge LoanLooking for your second home and need a way to get out of your first?
- Jumbo MortgageAn XL loan for those higher-priced properties.
- Physician MortgageShowing how we feel about those that heal.
- Renovation LoanFound your dream home, but it needs a few small fixes.
- Refinance
- Construction Loan
- Home Equity Loans
- Calculate a Payment
- Rates
- Apply for Mortgage
- Access Existing Application
- Buy a Home
- Credit Cards
- Loans
- Auto
- Auto Loan OverviewLow rates and fast approvals put you in the driver's seat.
- New & Used Auto LoansWhether it's a new car or used one we have financing options for you.
- Refinance Auto LoansRefinancing can be a great financial move by lowering your auto payment or shortening the term of your loan.
- Motorcycle LoansTake on the open road with two wheels and low rates for all types of motorcycles.
- Loan ProtectionProtect your assets. Insure your loans. Ease your mind.
- Boat & RV
- Home Equity Loans
- Personal Loans
- Skip a Payment
- Calculate a Payment
- Rates
- Auto
- Services
- Rates
- Calculators
- Skip a Payment
- Ways to Manage Your Money
- Learn
- Level UpBoost your financial knowledge through our free interactive online courses.
- Webinars & Education Register for upcoming educational events and access on-demand webinars.
- Blog Explore helpful articles featuring financial tips, how-tos, news, and more.
- Financial Coaching Whether you need help with monthly budgeting plans or debt repayment strategies, our partners will put you on the winning path.
- Credit Checkup Discover opportunities to improve your credit score and grow your money management skills.
- Protect
- Invest
- Retirement Planning & Investments Discover savings and investment options to plan for your golden years.
- Savings Get financially fit by adding power to your portfolio.
- Education Funding Explore different options to finance college tuition and more.
- Financial Advisor Discuss IRAs, mutual funds, life insurance, and more with an on-site Wealth Management Advisor.
- Checking & Savings
- Business
- About Arbor
- Personal
- Checking & Savings
- Checking
- Free Momentum CheckingEarn up to 3.00% APY+ on your balance, the more you use your debit card.
- Free CheckingKeep moving ahead with no minimum balance or monthly service fees slowing you down.
- Premier CheckingSizable dividends and easy access are the feature attractions.
- Volt BankingDesigned for young adults (age 19-24). Offering seriously reduced fees as you learn to manage your money.
- Savings
- CD & IRAStart saving for the longer term with competitive rates and certain tax advantages.
- Money MarketEarn a higher APY while enjoying the convenience of immediate access to your savings. A $500 minimum deposit is required to open a Maximum Money Market Account.
- Special SavingsSave for holidays, vacations and all the special moments in between.
- Youth & Teen
- Debit & ATM Cards
- Ways to Manage Your Money
- Mobile & Online BankingBank anytime. Bank anywhere. Pay your bills online, check your balance, apply for a loan and monitor your finances when it's convenient for you.
- Digital WalletLeave your wallet in your pocket, or at home, and just tap your phone toward the point of sale for a contactless transaction.
- Video TutorialsLearn all the features and functions that mobile and online banking offers.
- Deposit Rates
- Checking
- Home Loans
- Buy a Home
- Mortgage OptionsDiscover the mortgage that's right for you.
- Fixed Rate MortgagesFlexible terms and stable monthly payments.
- Low & No Money DownPerfect for first-time home buyers with limited downpayment.
- FHA LoansGreat for first-time buyers with less-than-perfect credit.
- Bridge LoanLooking for your second home and need a way to get out of your first?
- Jumbo MortgageAn XL loan for those higher-priced properties.
- Physician MortgageShowing how we feel about those that heal.
- Renovation LoanFound your dream home, but it needs a few small fixes.
- Refinance
- Construction Loan
- Home Equity Loans
- Calculate a Payment
- Rates
- Apply for Mortgage
- Access Existing Application
- Buy a Home
- Credit Cards
- Loans
- Auto
- Auto Loan OverviewLow rates and fast approvals put you in the driver's seat.
- New & Used Auto LoansWhether it's a new car or used one we have financing options for you.
- Refinance Auto LoansRefinancing can be a great financial move by lowering your auto payment or shortening the term of your loan.
- Motorcycle LoansTake on the open road with two wheels and low rates for all types of motorcycles.
- Loan ProtectionProtect your assets. Insure your loans. Ease your mind.
- Boat & RV
- Home Equity Loans
- Personal Loans
- Skip a Payment
- Calculate a Payment
- Rates
- Auto
- Services
- Rates
- Calculators
- Skip a Payment
- Ways to Manage Your Money
- Learn
- Level UpBoost your financial knowledge through our free interactive online courses.
- Webinars & Education Register for upcoming educational events and access on-demand webinars.
- Blog Explore helpful articles featuring financial tips, how-tos, news, and more.
- Financial Coaching Whether you need help with monthly budgeting plans or debt repayment strategies, our partners will put you on the winning path.
- Credit Checkup Discover opportunities to improve your credit score and grow your money management skills.
- Protect
- Invest
- Retirement Planning & Investments Discover savings and investment options to plan for your golden years.
- Savings Get financially fit by adding power to your portfolio.
- Education Funding Explore different options to finance college tuition and more.
- Financial Advisor Discuss IRAs, mutual funds, life insurance, and more with an on-site Wealth Management Advisor.
- Checking & Savings
- Business
- About Arbor

We've branched out across the state
We got our start in 1935 as the Kalamazoo School Employees Credit Union.
Our goal: to meet the financial needs of local educators. Since then, our mission has evolved, and we now provide services to all types of families and businesses across the state of Michigan. In 2016, we became Arbor Financial Credit Union. The new name was designed to change the perception that you had to be a teacher to join. With the reference to trees, we also wanted to reinforce our strong community roots and commitment to growth.
- Arbor Financial has twelve branches in Southwest Michigan
- More than 46,634 people are Arbor Financial members
- The credit union has $829,123,273 in total assets
Who We Are
We are Arbor Financial Credit Union. We care about the places we've been, the people we've served, and the employees we trust.

Work Together
Our staff is dedicated to working together within our surrounding communities. We offer 8 volunteer hours to every employee to use within the year. Within the first year, this program saw great success due to the workplace and community-centered culture that is practiced every day within our branches. Now four years later, our staff has donated over 816 hours of volunteer time to our community, schools, nature preserves, and more.
Need volunteers?
We're always ready to help serve our community. Send us an email at marketing@arborfcu.org, and we will add you to our list of volunteer opportunities!

Do the Right Thing
Arbor Financial is located in 12 different communities. With that being said, there are a lot of places that need our help and support. In order to feel connected to our communities and the organizations within them, we developed and dedicated a staff-led committee, known as the Caring Committee. This committee focuses their efforts, funds, and donations on places within our communities that include but are not limited to, local non-profits, animal shelters, children's hospitals, and mental health foundations. Over four years, we have collectively given more than $60,000 in funds, donation items, and volunteer time. On average, 21 employees donate their time to make this committee a success and available to our community.
Have Fun
Best of all, we like to have FUN! Arbor Financial is involved through sponsorship support at many fun places throughout our communities. You can find us supporting local high schools through yearbook and play ads, sports teams, local events, little league teams, expos, fitness facilities, several local chambers, and even our very own Western Michigan University athletics. We are always looking for new ways to get involved in the community and participate in events. If you have a sponsorship opportunity that you would like to share, click the button below! You can join the fun too!

Our 2021 Annual Report
Get More
Get More wherever you go. Whether it's great low-rates, fun events, or just more peace of mind for your finances, we're here for you. You can find us across southwest Michigan ready to serve you and your community. Check out one of our 12 locations and how we can help you get more out of your financial instruction.
Come join the tens of thousands of people who are loyal members of Arbor Financial Credit Union.
One way to get your start is to open a checking account with us. You get free access to more than 30,000 ATMs throughout Michigan and across the nation, plus fee-free access to Online Banking, Mobile Banking, Web Bill Pay, and more. It's easy to open your Momentum Checking account online or switch your account to become an Arbor Financial member.
