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 & 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*
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.

Recreational Vehicle Loans

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Name	Term	APR as low as*
RV, Boat, and Motor Home Loans	Up to 60 months	4.74%
	61 to 84 months	5.24%
	85 to 120 months	5.74%
	121 to 180 months	6.99%
ATV, Snowmobile, and Dirt Bike Loans	Up to 60 months	6.24%

*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

Apply Now

Name	APR as low as*
Home Equity Line of Credit	4.75%

*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 $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.

EZ Access Line of Credit

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Name	APR as low as*
EZ Access Line of Credit	8.50%

* Annual Percentage Rate (APR). Loan subject to credit approval.

Personal Loans

Term	APR as low as*
Up to 36 months	7.99%
37 to 60 months	8.49%
61 to 84 months	8.99%

*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.

Credit Cards

Apply Now

Name	Term	APR as low as*
Advantage Visa Card	Open-end	7.50%
Rewards Visa Card	Open-end	10.75%
Volt Rewards Visa Card	Open-end	10.75%

*Rates as of July 1, 2022. 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.

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.

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.

Recreational Vehicle Loans

Apply Now

Name	Term	APR as low as*
RV, Boat, and Motor Home Loans	Up to 60 months	4.74%
	61 to 84 months	5.24%
	85 to 120 months	5.74%
	121 to 180 months	6.99%
ATV, Snowmobile, and Dirt Bike Loans	Up to 60 months	6.24%

Fixed-Rate Mortgages

No Money Down & No PMI Mortgages

Please call 269.544.3105 for rates.
Terms available: 30 year, 15 year, 10 year, 7 year

See assumptions.

Adjustable-Rate Mortgages

Name	APR as low as*
Home Equity Line of Credit	4.75%

EZ Access Line of Credit

Apply Now

Name	APR as low as*
EZ Access Line of Credit	8.50%

* Annual Percentage Rate (APR). Loan subject to credit approval.

Personal Loans

Term	APR as low as*
Up to 36 months	7.99%
37 to 60 months	8.49%
61 to 84 months	8.99%

*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.

Credit Cards

Apply Now

Name	Term	APR as low as*
Advantage Visa Card	Open-end	7.50%
Rewards Visa Card	Open-end	10.75%
Volt Rewards Visa Card	Open-end	10.75%

Deposit Rates

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

Savings Rates

Name	Minimum Balance	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.

Checking Rates

Name	Minimum Balance	APY*
Momentum Checking+	10-19 Debit Card Purchases $0 - $15,000	0.75%
Momentum Checking+	20-29 Debit Card Purchases $0 - $15,000	1.50%
Momentum Checking+	30 or More Debit Card Purchases $0 - $15,000	4.00%
Free Checking	$0	N/A
Premier Checking**	$2,500 - $24,999.99	0.05%
Premier Checking**	$25,000 - $99,999.99	0.10%
Premier Checking**	$100,000 or more	0.20%

* Annual Percentage Yield (APY) earned on Arbor Financial Credit Union's checking programs are calculated by the daily balance method. Dividends are compounded and paid monthly. Dividend rate and APY are variable and may change at any time as determined by the Board of Directors. APY shown is accurate as of August 1, 2022.

** Balances of $2,500 or more earn a dividend. You must maintain a minimum daily balance of $2,500 in your account to avoid a monthly maintenance fee. Fees may reduce earnings on the account.

+ Debit card purchases must post to your account during the calendar month. ATM transactions do not apply. To earn interest, you must meet the following requirements: direct deposit of $500 or more and be enrolled in eStatements. Interest is not paid on balances over $15,000. One Momentum Checking account per member.

Money Market Rates

Name	Minimum Balance	APY*
Golden Money Market	$500.00 or more	0.05%
Maximum Money Market	$500 - $49,999.99	0.05%
Maximum Money Market	$50,000.00 - $99,999.99	0.15%
Maximum Money Market	$100,000.00 - $199,999.99	0.20%
Maximum Money Market	$200,000.00 and above	0.35%

* Annual Percentage Yield (APY) earned on Arbor Financial Credit Union's money market accounts are calculated by the daily balance method. Dividends are compounded and paid quarterly. Dividend rate and APY are variable and may change at any time as determined by the Board of Directors. APY shown is accurate as of April 1, 2022. Transactions are limited to six withdrawals or transfers by means of pre-authorized, automatic, or telephone transfer, or by check, draft, or debit card from your account each calendar month.

Certificate Rates

Deposit	$500 - $29,999.99	$30,000 - $69.999.99	$70,000 - $124,999.99	$125,000+
Term	APY*	APY*	APY*	APY*
6 Month	0.10%	0.15%	0.20%	0.25%
12 Month	0.15%	0.25%	0.30%	0.35%
24 Month	0.25%	0.30%	0.40%	0.50%
36 Month	0.40%	0.50%	0.60%	0.70%
48 Month	0.45%	0.55%	0.70%	0.80%
60 Month	0.60%	0.70%	0.80%	0.90%
84 Month	0.65%	0.75%	0.85%	0.95%
120 Month	0.75%	0.85%	0.95%	1.00%

*Annual Percentage Yields (APYs) earned on certificates are calculated by the actual daily balance method and are paid and compounded monthly. Minimum balance of $500 is required. Early withdrawal penalties apply and will reduce earnings. Rates and offers subject to change at any time without notice. APY shown is accurate as of July 1, 2022.

Traditional, Roth, & IRA Rates

Deposit	$500 - $29,999.99	$30,000 - $69.999.99	$70,000 - $124,999.99	$125,000+
Term	APY*	APY*	APY*	APY*
6 Month Certificate	0.10%	0.15%	0.20%	0.25%
12 Month Certificate	0.15%	0.25%	0.30%	0.35%
24 Month Certificate	0.25%	0.30%	0.40%	0.50%
36 Month Certificate	0.40%	0.50%	0.60%	0.70%
48 Month Certificate	0.45%	0.55%	0.70%	0.80%
60 Month Certificate	0.60%	0.70%	0.80%	0.90%
84 Month Certificate	0.65%	0.75%	0.85%	0.95%
120 Month Certificate	0.75%	0.85%	0.95%	1.00%

Savings Rates

Name	Minimum Balance	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%

** 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.

Checking Rates

Name	Minimum Balance	APY*
Momentum Checking+	10-19 Debit Card Purchases $0 - $15,000	0.75%
Momentum Checking+	20-29 Debit Card Purchases $0 - $15,000	1.50%
Momentum Checking+	30 or More Debit Card Purchases $0 - $15,000	4.00%
Free Checking	$0	N/A
Premier Checking**	$2,500 - $24,999.99	0.05%
Premier Checking**	$25,000 - $99,999.99	0.10%
Premier Checking**	$100,000 or more	0.20%

** Balances of $2,500 or more earn a dividend. You must maintain a minimum daily balance of $2,500 in your account to avoid a monthly maintenance fee. Fees may reduce earnings on the account.

Money Market Rates

Name	Minimum Balance	APY*
Golden Money Market	$500.00 or more	0.05%
Maximum Money Market	$500 - $49,999.99	0.05%
Maximum Money Market	$50,000.00 - $99,999.99	0.15%
Maximum Money Market	$100,000.00 - $199,999.99	0.20%
Maximum Money Market	$200,000.00 and above	0.35%

Certificate Rates

Deposit	$500 - $29,999.99	$30,000 - $69.999.99	$70,000 - $124,999.99	$125,000+
Term	APY*	APY*	APY*	APY*
6 Month	0.10%	0.15%	0.20%	0.25%
12 Month	0.15%	0.25%	0.30%	0.35%
24 Month	0.25%	0.30%	0.40%	0.50%
36 Month	0.40%	0.50%	0.60%	0.70%
48 Month	0.45%	0.55%	0.70%	0.80%
60 Month	0.60%	0.70%	0.80%	0.90%
84 Month	0.65%	0.75%	0.85%	0.95%
120 Month	0.75%	0.85%	0.95%	1.00%

Traditional, Roth, & IRA Rates

Deposit	$500 - $29,999.99	$30,000 - $69.999.99	$70,000 - $124,999.99	$125,000+
Term	APY*	APY*	APY*	APY*
6 Month Certificate	0.10%	0.15%	0.20%	0.25%
12 Month Certificate	0.15%	0.25%	0.30%	0.35%
24 Month Certificate	0.25%	0.30%	0.40%	0.50%
36 Month Certificate	0.40%	0.50%	0.60%	0.70%
48 Month Certificate	0.45%	0.55%	0.70%	0.80%
60 Month Certificate	0.60%	0.70%	0.80%	0.90%
84 Month Certificate	0.65%	0.75%	0.85%	0.95%
120 Month Certificate	0.75%	0.85%	0.95%	1.00%

Apply for a Loan

Member Discounts

Find a Branch / ATM

1. Annual Percentage Rate (APR). Rate effective 8/10/22 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 $912.03. Taxes and insurance not included and will increase payment amount.

Build up your savings, save on your loans.

30-Year Mortgage Special

4.500% Rate | 4.578% APR1

Loan Rates

Auto & Motorcycle Loans

Recreational Vehicle Loans

Fixed-Rate Mortgages

No Money Down & No PMI Mortgages

Adjustable-Rate Mortgages

3% Down Mortgages

Jumbo Mortgages

Physician Mortgages

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

Fixed 10-Year Home Equity Loan

Home Equity Line of Credit

EZ Access Line of Credit

Personal Loans

Credit Cards

Auto & Motorcycle Loans

Recreational Vehicle Loans

Fixed-Rate Mortgages

No Money Down & No PMI Mortgages

Adjustable-Rate Mortgages

3% Down Mortgages

Jumbo Mortgages

Physician Mortgages

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

Fixed 10-Year Home Equity Loan

Home Equity Line of Credit

EZ Access Line of Credit

Personal Loans

Credit Cards

Deposit Rates

Savings Rates

Checking Rates

Money Market Rates

Certificate Rates

Traditional, Roth, & IRA Rates

Savings Rates

Checking Rates

Money Market Rates

Certificate Rates

Traditional, Roth, & IRA Rates

Apply for a Loan

Member Discounts

Find a Branch / ATM

4.500% Rate | 4.578% APR¹