You can save and earn more – $3,303 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% APY1, a mortgage with no down payment and no PMI, and a credit card or HELOC with a low introductory rate2, 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 be saving more than $3,300 annually with Arbor — that's the equivalent of 738 lattes a year!
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NOW OPEN in Caledonia

Have you visited our newest branch in the Grand Rapids area at 7200 Kalamazoo Avenue, south of 68th Street?
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How can I get MORE?

MORE Pep for Your Wallet

No one can keep pace with our high yield checking account. Learn more about how you can earn up to 5% APY1 with Arbor Financial’s free Momentum Checking. The best time to start earning more is now!
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MORE House in Less Time

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 and a mortgage with no down payment and no PMI3.
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MORE Horsepower

Get new wheels now, and enjoy 90 days of no payments with Arbor Financial’s special vehicle offer. Available for both new and used autos4.
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MORE Joy in the Giving

This holiday season, get more joy in the giving! Arbor offers low-interest holiday loans and the chance to win $150 for yourself and for your favorite charity5!
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MORE Days in the Sun

Take advantage of our Home Equity Line of Credit with a 1.99% APR 2 introductory special to improve your home, fund an education, or book that once-in-a-lifetime trip for you and your family.
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MORE Fiscally Fit

It’s one of the most important commitments you can make: achieving financial fitness. Arbor offers the Level Up financial success program to members and their families at no cost. It’s easy to get started, and you choose the topics that are most meaningful to you.
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*Annual savings of $3303 was calculated using Arbor Financial vs. sourced competitor data available on July 9, 2019 for a variety of products and services, including checking, savings, CD, mortgage, auto, credit card, ID theft, and financial coaching, and is included for informational purposes only. Actual savings will vary, based upon a number of factors, including products, balances, terms, credit scores, and more.  
 
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. Annual Percentage Rate (APR). Beginning August 12, 2019 a special introductory HELOC APR will be 1.99% for the first 6 months, and then switch to variable, based on Prime plus a margin determined by your credit score and the Loan-to-Value ratio of your home. The HELOC 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.

3. Annual Percentage Rate (APR). Rates disclosed are the lowest rates available and are determined by your credit score at time of application and are based on borrowers with a minimum credit score of 700 and maximum LTV of 80%. APRs are calculated on a $150,000 mortgage amount for the fixed-rate loan both with no PMI. Some restrictions apply. Rates subject to change.

4. Minimum loan amount of $10,000 required for deferred payments. Interest begins accruing from the date of loan disbursement. Deferred payments will be paid at the end of loan. Accrued interest will be collected on the first payment(s) applied to the loan. First payment will be due in the fourth month, on the date disclosed in the loan agreement. Restrictions may apply. Excludes internal refinances and Fresh Start Auto Loans. Subject to credit approval. Limited-time offer. Terms and conditions are subject to change without notice. Insured by NCUA.

5. 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. Qualifying borrowers may be eligible to defer their first payment for up to 60 days, dependent upon credit score and when the loan closes. Interest accrues from date of loan disbursement. The drawing is open to all legal Michigan residents 18 years or older. No purchase necessary. Promotional period Nov 1, 2019 – Jan 31, 2020.