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.

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30-Year Mortgage Special

4.750% Rate | 4.829% APR1

Loan Rates

Get financing for the things you want.

Auto & 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.

Apply Online

Year Term APR as low as*
2022-2021 (up to 100% LTV Max) Up to 36 months 2.99%
37 - 48 months 3.24%
49 - 60 months 3.99%
61 - 72 months (Call for details) 4.49%
73 - 84 months (Call for details) 4.99%
85 - 96 Months (Call for details)** 5.99%
2020-2015 (up to 100% LTV Max) Up to 36 months 2.99%
37 - 48 months 3.24%
49 - 60 months 3.99%
61 - 72 months (Call for details) 4.49%
73 - 84 months (Call for details) 5.24%
85 - 96 months (Call for details)** 5.99%
2014 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.​

Deposit Rates

The roots of success start with reliable savings rates from Arbor Financial.

Savings Rates

Name Minimum Balance Interest Rate APY*
Primary Savings** $5 0.05%
Volt Banking Savings Account*** $5 - $1,000 3.00%
Volt Banking Savings Account*** $1,000.01 or more 0.05%
Explorer's Club Savings*** $5 0.05%
IRA Savings Account up to $24,999.99 0.30%
IRA Savings Account $25,000 - $99,999.99 0.40%
IRA Savings Account $100,000 or more 0.60%
Special Savings $0 0.05%

* Annual Percentage Yields (APYs) earned on Arbor Financial Credit Union's savings programs are calculated by the daily balance method. For savings accounts, dividends are compounded and paid quarterly. Dividend rate and APY may change at any time as determined by the Board of Directors. APY shown is accurate as of July 1, 2022.

** Balances of $100.00 or more earn a dividend. A minimum balance of $5.00 is required to maintain membership. Fees may reduce the earnings on the account.

*** A minimum balance of $5.00 is required to maintain membership. View Fee Schedule.

1. Annual Percentage Rate (APR). Rate effective 8/5/22 for a limited time. Rates change frequently, please visit arborfcu.org for current rates. Rate may vary depending on credit history and underwriting factors. Subject to credit approval. program, rate, terms, and conditions subject to change at any time, without notice. APR calculated on $180,000 mortgage amount, with no PMI on first-lien purchase money mortgage. Payment example: $180,000 loan at stated APR has estimated monthly payment of $938.97. Taxes and insurance not included and will increase payment amount.