You can save and earn more just by banking with us!

When you bank with Arbor Financial, it's easy to get more. Combine a checking account that earns up to 5.00% APY1, a mortgage with no down payment and no PMI, or a credit card 2, and the money saved quickly adds up. Add in a few extras, like free financial coaching and low-cost ID theft coverage, and you could get more with Arbor!
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How can I get MORE?

Checking
Boat/RV
Mortgage
Auto

MORE PEP

No one can keep pace with our high yield checking account. Learn more about how you can earn up to 5.00% APY1 with Arbor Financial’s free Momentum Checking. The best time to start earning more is now!
Earn More

MORE MEMORIES

We can open the door to adventure with a low-rate boat or RV loan. With special rates as low as 2.99% APR2 and with no payments for 90 days3, you can be on your way to making magical memories before your first payment is made!
Boat & RV Special

MORE HOUSE

Don’t waste money with a high-interest mortgage. And don’t delay getting a house because you don’t have a down payment. Arbor Financial has smarter mortgage options that get you moving faster - be sure to check out our mortgage specials: Historically low fixed rates with mortgage specials as low as 1.74% (2.035% APR)4 for a 7-year term; 0.25% off on 30-year purchase rates5; or a no money down, no PMI special6! Get started today.
Mortgage Specials

MORE MILEAGE

Get rolling in the vehicle of your dreams with special rates on auto loans! Rates as low as 1.99% APR7!
AUTO LOAN SPECIAL

MORE BUSINESS

See what happens when you work with local experts like the Arbor Financial business team. Our team has more than 50 years of combined experience and we’re here to make things happen. From business checking accounts to lending solutions that can help your business finance growth, we offer the tools and local banking expertise your business needs to thrive.
Meet the Team

Not Yet A Member?

If you live, work or worship in the state of Michigan, you can join Arbor Financial Credit Union.

Why choose us? We offer a high-return savings accounts and low-interest loans. Awesome membership discounts and expert financial advice. And checking accounts with loads of free features, including eBanking, Mobile Banking and Web Bill Pay. No, we're not a bank. We're something better.
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1. Annual Percentage Yield (APY) as of 6/1/2019. Minimum number of debit card purchases required. Debit card purchases must post to your account during the calendar month. ATM transactions do not apply. Interest is not paid on balances over $15,000. One Momentum Checking account per member. Rate is variable and subject to change. If requirements are not met, you simply do not receive interest for the month.

2. APR effective as of 2/1/20 and for a limited time. The rate may vary depending on each individual’s credit history. Payments are equal monthly installments for the term of the loan. Programs, rates, terms, and conditions are subject to change without notice.

3. Qualifying borrowers may be eligible to defer their first payment for up to 90 days, dependent upon credit score and when the loan closes. Interest accrues from date of loan disbursement.
 
4. Annual Percentage Rate (APR). Beginning 2/10/20 and for a limited time. Special APRs disclosed are the lowest rates available and are determined by your credit score and underwriting factors at time of application. APRs are calculated on a $150,000 mortgage amount for the fixed-rate loan with no PMI. PMI may be required depending on loan to value and will increase APR. Rate listed is for a first-lien purchase money mortgage or refinance on owner occupied single family detached primary residence. Payments are monthly for term of loan. Programs, rates, terms and conditions are subject to change without notice. Other restrictions may apply.
 
5. Beginning 2/10/20 and for a limited time. Annual Percentage Rate (APR) of 3.584% is accurate as of 2/10/20 and is the lowest rate available. Rates are determined by your credit score and underwriting factors at time of application. APRs are calculated on a $150,000 mortgage amount for the fixed-rate loan with no PMI. PMI may be required depending on loan to value and will increase APR. Rate discount available for first-lien purchase money mortgage only and excludes refinances. Discount cannot be combined with any other discounts, promotions, or programs. Payments are monthly for term of loan. Programs, rates, terms and conditions are subject to change without notice. Other restrictions may apply.
 
6. Beginning 8/12/19 and for a limited time. Annual Percentage Rate (APR) of 4.655% is accurate as of 2/10/20 and is the lowest rate available. Rates are determined by your credit score and underwriting factors at time of application. APRs are calculated on a $150,000 mortgage amount for the fixed-rate loans with no PMI. Rate listed is for a first-lien purchase money mortgage on owner occupied single family detached primary residence only. Payments are monthly for term of loan. Not all applicants will qualify. Programs, rates, terms and conditions are subject to change without notice. Other restrictions may apply.

7. Annual Percentage Rate (APR). Rate effective 3/1/20 for a limited time. Rate may vary depending on credit history and underwriting factors. Subject to credit approval. Terms and conditions subject to change without notice.