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* |
|---|---|---|
| 2024-2023 (up to 100% LTV Max) | Up to 36 months | 6.74% |
| 37 - 48 months | 6.99% | |
| 49 - 60 months | 7.24% | |
| 61 - 72 months (Call for details) | 7.49% | |
| 73 - 84 months (Call for details) | 7.99% | |
| 85 - 96 Months (Call for details)** | 9.24% | |
| 2022-2017 (up to 100% LTV Max) | Up to 36 months | 6.99% |
| 37 - 48 months | 7.24% | |
| 49 - 60 months | 7.49% | |
| 61 - 72 months (Call for details) | 7.74% | |
| 73 - 84 months (Call for details) | 8.24% | |
| 85 - 96 months (Call for details)** | 9.49% | |
| 2016 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* |
|---|---|---|
| 2024-2023 (up to 100% LTV Max) | Up to 36 months | 6.99% |
| 37 - 48 months | 7.24% | |
| 49 - 60 months | 7.49% | |
| 61 - 72 months (Call for details) | 7.74% | |
| 73 - 84 months (Call for details) | 8.24% | |
| 85 - 96 Months (Call for details)** | 9.49% | |
| 2022-2017 (up to 100% LTV Max) | Up to 36 months | 7.24% |
| 37 - 48 months | 7.49% | |
| 49 - 60 months | 7.74% | |
| 61 - 72 months (Call for details) | 7.99% | |
| 73 - 84 months (Call for details) | 8.49% | |
| 85 - 96 months (Call for details)** | 9.74% | |
| 2016 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.
RV, Boat, ATV, & Other Loans
| Name | Term | APR as low as* |
|---|---|---|
| RV, Boat, and Motor Home Loans | Up to 60 months | 7.99% |
| 61 to 84 months | 8.49% | |
| 85 to 120 months | 8.99% | |
| 121 to 180 months | 10.24% | |
| ATV, Snowmobile, and Dirt Bike Loans | Up to 60 months | 7.99% |
*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.
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
Adjustable-Rate Mortgages
Construction, Vacant Land, FHA, VA, Rural Development Loans
Fixed Home Equity Loan
Home Equity Line of Credit
| Name | APR as low as* |
|---|---|
| Home Equity Line of Credit | 8.50% |
*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 $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.
FlexLOC
| Name | Term | APR as low as* | Interest Rate |
|---|---|---|---|
| FlexLOC | 11.25% |
*Rates as of October 1, 2023. 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.
Credit Cards
| Name | Term | APR as low as* |
|---|---|---|
| Advantage Visa Card | Open-end | 11.25% |
| Rewards Visa Card | Open-end | 14.50% |
| Volt Rewards Visa Card | Open-end | 14.50% |
*Rates as of October 1, 2023. 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.
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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* 2024-2023 (up to 100% LTV Max) Up to 36 months 6.74% 37 - 48 months 6.99% 49 - 60 months 7.24% 61 - 72 months (Call for details) 7.49% 73 - 84 months (Call for details) 7.99% 85 - 96 Months (Call for details)** 9.24% 2022-2017 (up to 100% LTV Max) Up to 36 months 6.99% 37 - 48 months 7.24% 49 - 60 months 7.49% 61 - 72 months (Call for details) 7.74% 73 - 84 months (Call for details) 8.24% 85 - 96 months (Call for details)** 9.49% 2016 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.
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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* 2024-2023 (up to 100% LTV Max) Up to 36 months 6.99% 37 - 48 months 7.24% 49 - 60 months 7.49% 61 - 72 months (Call for details) 7.74% 73 - 84 months (Call for details) 8.24% 85 - 96 Months (Call for details)** 9.49% 2022-2017 (up to 100% LTV Max) Up to 36 months 7.24% 37 - 48 months 7.49% 49 - 60 months 7.74% 61 - 72 months (Call for details) 7.99% 73 - 84 months (Call for details) 8.49% 85 - 96 months (Call for details)** 9.74% 2016 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.
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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
