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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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*
2023-2022 (up to 100% LTV Max) Up to 36 months 5.49%
37 - 48 months 5.74%
49 - 60 months 5.99%
61 - 72 months (Call for details) 6.24%
73 - 84 months (Call for details) 6.74%
85 - 96 Months (Call for details)** 7.99%
2021-2016 (up to 100% LTV Max) Up to 36 months 5.74%
37 - 48 months 5.99%
49 - 60 months 6.24%
61 - 72 months (Call for details) 6.49%
73 - 84 months (Call for details) 6.99%
85 - 96 months (Call for details)** 8.24%
2015 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 January 3, 2023.

** 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.