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* |
|---|---|---|
| 2023-2022 (up to 100% LTV Max) | Up to 36 months | 4.99% |
| 37 - 48 months | 5.24% | |
| 49 - 60 months | 5.49% | |
| 61 - 72 months (Call for details) | 5.74% | |
| 73 - 84 months (Call for details) | 6.24% | |
| 85 - 96 Months (Call for details)** | 7.49% | |
| 2021-2016 (up to 100% LTV Max) | Up to 36 months | 5.24% |
| 37 - 48 months | 5.49% | |
| 49 - 60 months | 5.74% | |
| 61 - 72 months (Call for details) | 5.99% | |
| 73 - 84 months (Call for details) | 6.49% | |
| 85 - 96 months (Call for details)** | 7.74% | |
| 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.
RV, Boat, ATV, & Other Loans
| Name | Term | APR as low as* |
|---|---|---|
| RV, Boat, and Motor Home Loans | Up to 60 months | 6.74% |
| 61 to 84 months | 7.24% | |
| 85 to 120 months | 7.74% | |
| 121 to 180 months | 8.99% | |
| ATV, Snowmobile, and Dirt Bike Loans | Up to 60 months | 6.74% |
*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.
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 | 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 $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 | 10.25% |
*Rates as of January 3, 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 | 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
0% APR Credit Card Balance Transfer10
| Name | Term | APR as low as* |
|---|---|---|
| Advantage Visa Card | Open-end | 10.25% |
| Rewards Visa Card | Open-end | 13.50% |
| Volt Rewards Visa Card | Open-end | 13.50% |
*Rates as of January 3, 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.
-
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* 2023-2022 (up to 100% LTV Max) Up to 36 months 4.99% 37 - 48 months 5.24% 49 - 60 months 5.49% 61 - 72 months (Call for details) 5.74% 73 - 84 months (Call for details) 6.24% 85 - 96 Months (Call for details)** 7.49% 2021-2016 (up to 100% LTV Max) Up to 36 months 5.24% 37 - 48 months 5.49% 49 - 60 months 5.74% 61 - 72 months (Call for details) 5.99% 73 - 84 months (Call for details) 6.49% 85 - 96 months (Call for details)** 7.74% 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.
-
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 -
Credit Cards
0% APR Credit Card Balance Transfer10
Name Term APR as low as* Advantage Visa Card Open-end 10.25% Rewards Visa Card Open-end 13.50% Volt Rewards Visa Card Open-end 13.50% *Rates as of January 3, 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.
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.
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% |
| Select Checking*** | $0- $249,999.99 | 0.01% |
| Select Checking*** | $250,000 or more | 2.00% |
* 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 January 3, 2023.
** 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. ****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. The dividend rate and APY are variable and may change at any time as determined by the Board of Directors. Fees may reduce earnings on the account. APY shown is accurate as of January 3, 2023. Interest earned on daily balances of $250,000 or more. If the balance is below $250,000, you will earn 0.01%.
***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. The dividend rate and APY are variable and may change at any time as determined by the Board of Directors. Fees may reduce earnings on the account. APY shown is accurate as of December 1, 2022. Interest earned on daily balances of $250,000 or more. If the balance is below $250,000, you will earn 0.01%.
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 January 3, 2023. 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 January 3, 2023. ** 13 Month CD Special: Annual Percentage Yields (APYs) earned on certificates are calculated by the actual daily balance method and are paid and compounded monthly. Minimum balance of 1.26% APY for balances from $500-$249,999.99. Explorer's Club minimum balance of $100. 2.02% APY for Balances $250,000 and greater. Early withdrawal penalties apply and will reduce earnings. Rates and offers subject to change at any time without notice. APY as of August 12, 2022 for a limited time. 22-Month CD Special: Annual Percentage Yields (APYs) earned on certificates are calculated by the actual daily balance method and are paid and compounded monthly. 2.78% APY for balances from $500-$249,999.99. 3.56% APY for Balances $250,000 and greater. Early withdrawal penalties apply and will reduce earnings. Minimum balance of $500. Explorer’s Club minimum balance of $100. Rates and offers subject to change at any time without notice. APY as of October 17, 2022 for a limited time. 2. Annual Percentage Yields (APYs) earned on certificates are calculated by the actual daily balance method and are paid and compounded monthly. Minimum balance of 4.07% APY for balances from $500-$249,999.99. Explorer's Club minimum balance of $100. 4.59% APY for balances $250,000 and greater. Early withdrawal penalties apply and will reduce earnings. Rates and offers subject to change at any time without notice. APY as of January 3, 2023 for a limited time.
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% |
*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 January 3, 2023.
-
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 January 3, 2023. ** 13 Month CD Special: Annual Percentage Yields (APYs) earned on certificates are calculated by the actual daily balance method and are paid and compounded monthly. Minimum balance of 1.26% APY for balances from $500-$249,999.99. Explorer's Club minimum balance of $100. 2.02% APY for Balances $250,000 and greater. Early withdrawal penalties apply and will reduce earnings. Rates and offers subject to change at any time without notice. APY as of August 12, 2022 for a limited time. 22-Month CD Special: Annual Percentage Yields (APYs) earned on certificates are calculated by the actual daily balance method and are paid and compounded monthly. 2.78% APY for balances from $500-$249,999.99. 3.56% APY for Balances $250,000 and greater. Early withdrawal penalties apply and will reduce earnings. Minimum balance of $500. Explorer’s Club minimum balance of $100. Rates and offers subject to change at any time without notice. APY as of October 17, 2022 for a limited time. 2. Annual Percentage Yields (APYs) earned on certificates are calculated by the actual daily balance method and are paid and compounded monthly. Minimum balance of 4.07% APY for balances from $500-$249,999.99. Explorer's Club minimum balance of $100. 4.59% APY for balances $250,000 and greater. Early withdrawal penalties apply and will reduce earnings. Rates and offers subject to change at any time without notice. APY as of January 3, 2023 for a limited time.
