Bank Here. Grow Here.

At Arbor, banking is about more than accounts and transactions. For more than 90 years, we've helped people move forward financially through trusted relationships, local service, and a commitment to growing the financial well-being of our members.

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Recognized by Forbes. Driven by Purpose.

At Arbor, we’re here to grow the financial well-being of our members. That means making everyday money management easier and being there for important moments, whether it's buying a first home, paying off debt, saving for the future, or navigating unexpected challenges. We’re honored to be recognized by Forbes as one of Michigan's Best Credit Unions for 2026, and for the trust our members place in us each day.

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Local Banking That Moves You Forward

Friendly service. Knowledgeable team. Convenient mobile banking. 

MOMENTUM CHECKING

4.00% APY3 

Get your direct deposit up to 5 DAYS EARLY with Early Pay.4

Grow Your Money

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AUTO LOANS

90-Day No Payments2 

Quick & easy approvals for new, used, and refinanced loans as low as 5.49% APR.1

Drive Your Deal

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MORTGAGES

Low Rate 

Full-service mortgage lender with easy & fast pre-approvals and local service. 

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UNLOCK YOUR HOME EQUITY

Rates as Low as 6.75%APR5

Enjoy quick approvals that have your funds available to you in no time.

 

Connect with a Specialist 

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CREDIT CARD TRANSFERS 

No Transfer Fees

Plus, enjoy 2.99% APR6 for 6-months. Also, open a rewards credit card to earn 2,500 bonus points.7

Transfer & Save

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VOLT YOUTH ACCOUNT

No Fees for 9-18

Kids as young as 9 can enjoy fee-free checking with a debit card and a savings rate of 3.00% APY.

Open a Volt Account

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More Than a Financial Institution

When you join Arbor, you become a member-owner of a financial cooperative focused on helping people and communities thrive. Our commitment goes beyond banking. We invest in financial education, support local schools, provide scholarships, sponsor community organizations, and volunteer throughout West Michigan because growing financial well-being starts with building stronger communities.

Recognized by Forbes. Driven by Purpose. Committed to Growing Financial Well-Being.

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Commercial banking team helping new member

Committed to Your Business Success

See what happens when you work and form a relationship with local West Michigan experts like our Arbor Financial Commercial team. From business checking accounts to business lending solutions, we’re here to help your business thrive. You can bank on our experienced team of attentive professionals who know your West Michigan community and the realities you face as a business owner. Everything we do is locally focused, including decisions about your business loan. The people you see every day are the ones who work closely with you to fund your goals. We aren't going anywhere and are ready and excited to help your business grow. 

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1. Annual Percentage Rate (APR). Rate effective 1/1/26 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. 

2.  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 and is collected on the first payment(s) applied.

3.Annual Percentage Yield (APY) as of January 1, 2026. Requires minimum number of debit card purchases. Debit card purchases must post to your account during the calendar month. ATM transactions do not apply. Requires $500 minimum monthly direct deposit and enrollment in e-statements. 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 do not receive interest for the month.

4. Direct deposits and other Automated Clearing House (ACH) credits may post to your account up to five days early with the Early Pay service. The Early Pay service is dependent upon when the deposits are originated from the sender and received by the Credit Union, and we cannot guarantee deposits will post prior to their anticipated settlement date. The Credit Union is not responsible for delays in posting due to unforeseen circumstances. The Credit Union, in its sole discretion, may determine whether certain deposit payments, deposit types, or member accounts are excluded from the service. The terms and conditions for Early Pay are subject to change, at any time, without advance notice. Not applicable to business, loan, or mortgage accounts. 

5.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 $100,000. Members have the option to purchase an appraisal at their own cost if they disagree with the AVM value. There are closing costs on the loan that are specific to each member's situation. Subject to change without notice. Property Insurance Required.

6. Annual Percentage Rate (APR). Offer available as of 1/1/26. Balance Transfer promotional rate applicable for 6 monthly billing cycles. Starting on the seventh month, the promotional rate will convert to your standard rate. Not eligible for CU Rewards Points and may not be used to pay other Arbor Financial accounts. Promotion, rate, terms and conditions subject to change without notice. 

7. 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. See full disclosure.

8. Annual Percentage Yield (APY). The rate of 3.00% APY applies to balances up to $1,000 on Volt Banking Savings accounts. Balances above $1,000 will receive the regular savings rate. Terms and conditions subject to change without notice. Account approval may be based on factors such as a qualified parent, child’s age, and verification of income.