*Annual Percentage Rate (APR). Some restrictions apply. Additional rates and terms are available. 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. For limited time. Federally insured by the NCUA.


Personal Loans

We get it: life happens. Whether life throws you an unexpected expense, you want to consolidate your debt, or you can finally start planning your dream wedding, sometimes you need a little help when it comes to financing the inevitable. Count on Arbor Financial Credit Union to provide you with an affordable personal loan that best meets your needs  and budget!


  • Competitive fixed rates
  • Terms up to 84 months
  • Quick and easy approvals have your funds available in no time
  • 45-Day no pay option available at the time of loan closing
  • No application fee
  • No prepayment penalties
  • Collateral-free, unsecured loan good for any purpose
  • Skip-A-Pay options
  • Credit life and disability insurance coverage available
  • Apply by phone and get an answer within minutes: 269.488.5945 (KWIK)


EZ Access Line of Credit (EZLOC)

  • Revolving line of credit allows you to take advances as often as you need
  • Interest accrues only on funds as they are drawn
  • Quick and easy approvals have your funds available in no time
  • Use as overdraft protection for your checking account
  • Competitive rates
  • No restrictions on how you spend your funds
  • No application fee
  • Apply by phone and get an answer within minutes: 269.488.5945 (KWIK)

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0% Classroom Supplies Loan

  • $500 loan amount at 0% APR**
  • Low $50 monthly payment and 10-month term
  • Available to K-12 teachers
  • Quick and easy approvals have your funds available in no time
  • No restrictions on how you spend your funds
  • No application fee
  • No prepayment penalties
  • Apply by phone and get an answer within minutes: 269.488.5945 (KWIK)
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**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. Monthly payments will be automatically transferred from your Share Savings Account (S1). Payroll deduction and proof of employment at a Michigan school are required.

Certificate of Deposit Secured Loans 

  • Borrow up to 100% of the amount in your certificate
  • Loan rate is just 2% above your CD rate
  • Terms up to the duration of the certificate
  • Continue to earn dividends
  • Quick and easy approvals have your funds available in no time
  • No restrictions on how you spend your funds
  • No application fee
  • No prepayment penalties
  • Apply by phone and get an answer within minutes: 269.488.5945 (KWIK)
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Share Secured Loans 

  • Borrow up to 100% of the amount in your Share Savings Account
  • Rates as low as 1.99%
  • Terms up to 60 months
  • Continue to earn dividends
  • Quick and easy approvals have your funds available in no time
  • No restrictions on how you spend your funds
  • No application fee
  • No prepayment penalties
  • Apply by phone and get an answer within minutes: 269.488.5945 (KWIK)
View Rates Apply Online