Rates Effective February, 27 2017



Auto & Motorcycle Loans


Term Length APR as low as
Up to 36 months 2010-2017 2.44%*
Up to 60 months 2010-2017 2.69%*
Up to 72 months (Call for details) 2.94%*
Up to 84 months (Call for details) 3.19%*
Up to 60 months 2009 and older 3.74%*

*Rates apply to new money of $5,000 or more for refinanced loans. Call for details.



RV, Boat and Travel Trailer Loans

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Term Length APR as low as
Up to 60 months 2.99%*
61 to 84 months 2.99%*
85 to 120 months 2.99%*
121 to 180 months 2.99%*


ATV, Snowmobile and Dirt Bike Loans

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Term Length APR as low as
Up to 60 months 4.49*

Personal Loans

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Term Length APR as low as
Up to 36 months++ 8.99%*
Up to 60 months++ 9.49%*
Up to 84 months++ 9.99%*

++The rates shown are the lowest available for each term listed. 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. Rates apply to new money of $5,000 or more for refinanced loans. Maximum loan repayment term is 84 months.



Mortgage Loans 


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Fixed Rate Mortgages Rate with 0 pt APR with 0 pt Rate with 1 pt APR with 1 pt
30 Year
4.000% 4.105% 3.750% 3.937%
20 Year 3.875% 4.020% 3.625% 3.885%
15 Year Special
(No Down Payment, No PMI)
4.500% 4.690% 4.250% 4.591%
15 Year
3.500% 3.685% 3.250% 3.582%
10 Year
2.625% 2.889% 2.375% 2.849%
7 Year
1.990% 2.167% 1.740% 2.209%


Bi-Weekly Mortgages
Rate with 0 pt
APR with 0 pt
Rate with 1 pt
APR with 1 pt
30 Year
4.250% 4.357% 4.000% 4.190%
20 Year
4.125% 4.272% 3.875% 4.138%
15 Year
3.750% 3.936% 3.500% 3.834%


3% Down Mortgages Rate with 0 pt
APR with 0 pt
Rate with 1 pt
APR with 1 pt
30 Year 4.750% 4.860% 4.500% 4.696%
20 Year 4.625% 4.775% 4.375% 4.643%
15 Year 4.250% 4.439% 4.000% 4.339%


Jumbo Mortgages (loans $424,101 & over++) Rate with 0 pt
APR with 0 pt
Rate with 1 pt
APR with 1 pt
30 Year Jumbo
4.750% 4.818% 4.500% 4.654%
20 Year Jumbo
4.625% 4.717% 4.375% 4.585%
15 Year Jumbo 4.250% 4.366% 4.000% 4.266%
10 Year Jumbo 3.375% 3.488% 3.125% 3.384%


Physicians Mortgage

Rate with 0 pt
APR with 0 pt
Rate with 1 pt
APR with 1 pt
30 Year 4.500% 4.617% 4.250% 4.518%
20 Year
4.375% 4.492% 4.125% 4.392%
15 Year
4.000% 4.115% 3.750% 4.041%






FHA, VA, Rural Development or
Construction Loans

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Based on a $150,000 mortgage loan amount with no PMI. APRs may vary depending on the loan amount, PMI, prepaid interest, and points. ++Based on a $500,000 mortgage loan amount with no PMI. APRs may vary depending on the loan amount, PMI, prepaid interest, and points.

* Denotes mortgage special. Annual Percentage Rate. APR will vary based on final loan amount and finance charges. Payment example: A $130,000 loan with a rate of 3.875% and 180-month (15-year) term would have a payment of $953.47. Payments do not include taxes , actual payment obligation may be higher. Programs, rates, terms and conditions are subject to change without notice. Not all applicants will qualify. Internal refinancing requires $20,000 or more of new money - call for details. For a limited time.

** Denotes mortgage special. Annual Percentage Rate. APR will vary based on final loan amount and finance charges. Payment example: A $130,000 loan with a rate of 4.750% and 360-month (30-year) term would have a payment of $678.14. Payments do not include taxes , actual payment obligation may be higher. Programs, rates, terms and conditions are subject to change without notice. Not all applicants will qualify. New money only, no internal refinances - call for details. For a limited time.

Home Equity Line of Credit

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Name APR as low as
Home Equity Line of Credit 3.75%**


Credit Cards

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Name
Term
APR as low as
*Advantage Visa Card
Open-end
6.50%
*Rewards Visa Card
Open-end
9.75%
* The APR as of 1/1/17 and subject to change. Rate is variable based on market value and credit worthiness.


Other Loans

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Name
Term
APR
***Classroom Supplies Loan
10 months
0.00%
Share Secured
Up to 36 months
1.99%
Share Secured
37 to 60 months
2.99%
****EZ Access Line of Credit
Open-end
8.50%
CD secured loan rates are 2% plus the current CD interest rate, please call for more details.

*Annual Percentage Rate (APR). Rates disclosed with an * are the lowest rates available and are determined by your credit score at time of application. Some restrictions apply.  Rates subject to change.  

**Annual percentage rate (APR). The Home Equity Line of Credit APR is a variable rate and is determined by the Prime Rate plus a margin determined by your credit score and the Loan-to-Value ratio of your home. The maximum APR that may be imposed is 15%. Subject to credit approval.

***The 0% Annual Percentage Rate (APR) Classroom Supplies Loan is available to K-12 teachers only and is limited to one loan per school year. $500 loan amount with a 10-month repayment term. Payments are $50 per month and will be automatically transferred on the 10th of each month from your Share Savings Account (S1). Payroll deduction and proof of employment at a Michigan school are required.

**** Annual percentage rate (APR). The EZ Access Line of Credit APR is determined by rounding the monthly average of the 26-Week U.S. Treasury Bill rate to the nearest one-tenth percent and adding seven percentage points. This rate can change monthly.