You Can Save and Earn More
$4,185 More* - Just by Banking With Us!

Start saving and earning more by taking advantage of our specials such as our credit card balance transfer offer with 4.99% APR4 for the life of the transfer, 15-year mortgage specials with rates as low as 1.99% Rate | 2.138% APR2, a free checking account that earns up to 3.00% APY1, combine an auto loan with rates as low as 1.49% APR3, 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 $4,185* annually with Arbor Financial -- that's the equivalent of 934 lattes a year!
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MORE FLEXIBILITY

Pay down debt, transfer your balance, and start saving with zero balance transfer fees when you move your high-rate credit card balance to a Visa Rewards Card or Advantage Card. Where other financial institutions may offer a low-rate transfer offer for a promotional period, our 4.99% APR4 is for the life of the transferred balance!
TRANSFER FUNDS APPLY FOR CREDIT CARD

MORE HOUSE

Don't waste money with a high-interest mortgage or delay getting a house because you don't have a down payment. Arbor Financial has smarter mortgage options that get you moving faster. With our low fixed rate mortgages, no money down and no PMI special, and refinance options, we have you covered. Check out our 15-Year Fixed special with ultra-low rates as low as 1.99% (2.138% APR2) and get started today!
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MORE PEP

No one can keep pace with our high yield checking account. Learn more about how you can earn up to 3.00% APY1 with Arbor Financial’s free Momentum Checking. The best time to start earning more is now!
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MORE MILEAGE

Looking to accelerate your savings this year? Get rolling in the vehicle of your dreams with special rates as low as 1.49% APR3. Whether you are looking for new, used, luxury, or just something reliable, you can count on Arbor Financial to get you in the driver's seat.
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MORE FROM YOUR HOME

Apply and get more when you choose Arbor Financial for your Home Equity Line of Credit needs. Open a new HELOC with rates as low as 3.25% APR6 and you'll receive a $50 Home Depot gift card. Plus, when you make a draw on your line of credit of $5,000 or more between 2/1/21 - 5/31/21, you'll automatically be entered to win $2,500!7
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MORE MEMORIES

Make more memories this year with the boat or RV of your dreams! Boat & RV loans are as low as 2.99% APR5. Make a splash and get s'more out of your summer when you save with Arbor Financial.
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Not Yet A Member?

Arbor Financial offers high-return savings accounts, low-interest loans, awesome membership discounts and expert financial advice. Our checking accounts come with loads of free features and paired with our top notch technology are sure to meet your digital needs. No, we're not a bank, we are a financial institution for the people.
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*Annual savings of $4,185 was calculated using Arbor Financial vs. sourced competitor data available 12/22/20 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 10/1/20. Additional requirements apply. Interest rate varies depending on number of debit card purchases. 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). Special APR is lowest rate available and current as of 01/01/2021 Rate based on a $150,000 loan with no PMI. Example 180 monthly payments of $964.57. Does not include taxes or insurance and your payment will be higher. Rate listed is for a first-lien purchase-money mortgage on owner-occupied single-family primary detached residence. Rate may vary depending on credit history and underwriting factors. Programs, rates, terms and conditions subject to change without notice. Other restrictions may apply.

3. Annual Percentage Rate (APR). Rate effective 1/1/21 for a limited time. Rate may vary depending on credit history and underwriting factors. Subject to credit approval. Program, rate, terms and conditions subject to change without notice. 

4. Annual Percentage Rate (APR). Offer valid for a limited time. Balance Transfer promotional rate applicable for the life of the balance. Some restrictions apply. Promotion, rate, terms and conditions subject to change without notice.

5. 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. Interest accrues from date of loan disbursement. Subject to change without notice. 

6. Annual Percentage Rate (APR).The APR is variable and is the lowest rate available. APR is 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.

7. The drawing is open to all legal Michigan residents 18 years or older. No purchase necessary. Promotional period February 1, 2021 - May 31, 2021. For official rules, click here.