Build up your savings, save on your loans.

What do you want to accomplish? Whether you're saving to reach a specific goal or you're ready to make a big purchase, Arbor Financial is here to help members and their families throughout Michigan. Our rates are first rate.

As a not-for-profit credit union, our rates are structured to benefit you and all members.

Loan Rates

Get financing for the things you want.

Auto Loans

Take advantage of our loan rate structure to make big purchases, refinance an existing loan to save, to get a credit card and more.

Year	Term	APR as low as*
2025-2024 (up to 100% LTV Max)	Up to 36 months	5.99%
	37 - 48 months	6.24%
	49 - 60 months	6.49%
	61 - 72 months (Call for details)	6.99%
	73 - 84 months (Call for details)	8.24%
	85 - 96 Months (Call for details)**	9.49%
2023-2018 (up to 100% LTV Max)	Up to 36 months	6.24%
	37 - 48 months	6.49%
	49 - 60 months	6.74%
	61 - 72 months (Call for details)	7.24%
	73 - 84 months (Call for details)	8.49%
	85 - 96 months (Call for details)**	9.74%
2017 and older	Call for Rates

*Annual Percentage Rate (APR). Rates disclosed are the lowest rates available and are determined by your credit score and loan to value 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.

Motorcycle Loans

Take advantage of our loan rate structure to make big purchases, refinance an existing loan to save, to get a credit card and more.

Year	Term	APR as low as*
2025-2024 (up to 100% LTV Max)	Up to 36 months	7.49%
	37 - 48 months	7.74%
	49 - 60 months	7.99%
	61 - 72 months (Call for details)	8.24%
	73 - 84 months (Call for details)	8.74%
	85 - 96 Months (Call for details)**	9.99%
2023-2018 (up to 100% LTV Max)	Up to 36 months	7.74%
	37 - 48 months	7.99%
	49 - 60 months	8.24%
	61 - 72 months (Call for details)	8.49%
	73 - 84 months (Call for details)	8.99%
	85 - 96 months (Call for details)**	10.24%
2017 and older	Call for Rates

RV, Boat, ATV, & Other Loans

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Name	Term	APR as low as*
RV, Boat, and Motor Home Loans	Up to 60 months	8.74%
	61 to 84 months	9.24%
	85 to 120 months	9.74%
	121 to 180 months	10.99%
ATV, Snowmobile, and Dirt Bike Loans	Up to 60 months	8.74%

*Annual Percentage Rate (APR). Rates disclosed are the lowest rates available and are determined by your credit score and loan to value at the time of application. APRs are calculated on a loan amount less than or equal to $150,000. Rates subject to change.

Home Equity Line of Credit

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Name	APR as low as*
Home Equity Line of Credit	7.50%

*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 $100,000. Members have the option to purchase an appraisal at their own cost if they disagree with the AVM value. Subject to change without notice. Property Insurance Required.

FlexLOC

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Name	Term	APR as low as*	Interest Rate
FlexLOC		10.25%

*Rates as of July 1, 2025. APR = Annual Percentage Rate. 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	APR as low as*
Up to 36 months	10.99%
37 to 60 months	11.49%
61 to 84 months	12.99%

*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.