Rates

Rates are based on "A" credit scores. See Pricing Schedule below to calculate additional rates and Loan to Value (LTV) requirements. Rates are effective as of February 1, 2014.

Notes:

  1. Promotional rates do not apply to Indirect Dealer Program.
  2. No other credit union discounts will apply during this promotion period.
AUTOMOBILE 24 MTHS 36 MTHS 48 MTHS 60 MTHS 72 MTHS
2012 - 2014 3.49%* 3.99%* 3.99%* 4.49%* 5.49%*
2012 - 2014 (Previously Titled) 4.00%* 4.25%* 4.50%* 5.00%* 5.75%*
2008 - 2011 4.50%* 4.75%* 5.00%* 5.50%* N/A
2003 - 2007 5.50%* 6.00%* 6.50%* N/A N/A
2002 & Older 6.50%* 7.50%* 8.50%* N/A N/A
Special 2012 - 2014 with 720+ Score 1.99%* 1.99%* 1.99%* 1.99%* N/A
Vehicle Loan Details | Calculator | Loan Application

* = APR (Annual Percentage Rate)


MOTORCYCLE 24 MTHS 36 MTHS 48 MTHS 60 MTHS 72 MTHS
2012 - 2014 5.00%* 5.00%* 5.00%* 5.75%* 6.75%*
2012 - 2014 (Previously Titled) 5.50%* 5.50%* 5.50%* 6.25%* 7.25%*
2008 - 2011 5.75%* 6.00%* 6.25%* 6.75%* N/A
2003 - 2007 6.00%* 6.50%* 7.00%* N/A N/A
2002 & Older 6.50%* 7.00%* 7.50%* N/A N/A
Vehicle Loan Details | Calculator | Loan Application

* = APR (Annual Percentage Rate)


RECREATIONAL VEHICLES 48 MTHS 60 MTHS 84 MTHS 96 MTHS 120 MTHS
2012 - 2014 7.00%* 7.25%* 7.50%* 8.00%* 8.50%*
2008 - 2011 7.50%* 7.75%* 8.00%* 8.50%* N/A
2007 & Older 8.00%* 8.50%* 9.00%* N/A N/A
Titled Vehicles = Boats, Motor Homes, and Travel Trailers
Vehicle Loan Details | Calculator | Loan Application

* = APR (Annual Percentage Rate)


LEISURE VEHICLES 24 MTHS 36 MTHS 48 MTHS
2012 - 2014 6.50%* 7.00%* 7.50%*
2008 - 2011 7.75%* 8.50%* 9.00%*
2007 & Older 8.75%* 9.00%* 9.50%*
Other & Titled Vehicles = Jet Ski, Snowmobiles, Off Road Motorcycles, Camper Tops, etc.
Vehicle Loan Details | Calculator | Loan Application

* = APR (Annual Percentage Rate)


SAVINGS TYPE DIVIDEND RATE APY* TERM
Regular Share Savings Account 0.050 0.050 n/a
Christmas Club Account 0.050 0.050 n/a
Kids Club Account 0.050 0.050 n/a
IRA Accounts 0.300 0.300 n/a
More Details: Regular Share Savings | IRAs: Traditional, Roth, Educational

Dividends Paid Quarterly. Next declaration date September 30, 2014
*APY = Annual Percentage Yield

CERTIFICATES MINIMUM BALANCE DIVIDEND RATE
3 Month Term Share Certificates $1000 Call for Current Rates
6 Month Term Share Certificates $1000 Call for Current Rates
12 Month Term Share Certificates $1000 Call for Current Rates
18 Month Term Share Certificates $1000 Call for Current Rates
24 Month Term Share Certificates $1000 Call for Current Rates
30 Month Term Share Certificates $1000 Call for Current Rates
36 Month Term Share Certificates $1000 Call for Current Rates
39 Month Term Share Certificates $1000 Call for Current Rates
48 Month Term Share Certificates $1000 Call for Current Rates
60 Month Term Share Certificates $1000 Call for Current Rates
Term Share Certificates Details

*APY = Annual Percentage Yield
† = Dividends are paid and compounded annually instead of a maturity.
There may be a penalty for early withdrawl.

 

CD SPECIALS RATE APY*
1 Year 0.84 0.85
2 Year .99 1.00

*APY = Annual Percentage Yield
CD rate specials apply to new money only and exclude rollovers and transfers. Rate subject to change without notice.

 

UNSECURED FIXED LOANS 24 MTHS 36 MTHS 48 MTHS
Personal & Debt Consolidation 8.75% 9.00% 9.25%

UNSECURED - OTHER  
Personal Line of Credit - Variable Prime + (based on credit score)
Revolving Line of Credit - Fixed 16.50%
Overdraft Line of Credit - Fixed 18.00%

HOME EQUITY  
Variable Prime + (based on credit score)
Fixed  
5 Year 5.00%
7 Year 5.50%
10 Year 6.50%
15 Year 7.50%

SHARE SECURED  
Share Secured 3% above pledged account. Secured shares must match loan term. Loan term up to 120 months.

MONEY MARKETS BALANCE DIVIDEND RATE APY* TERM
Money Market Account $2,500 - $9,999 0.10 0.10 n/a
Money Market Account $10,000 - $24,999 0.20 0.20 n/a
Money Market Account $25,000 - $49,999 0.30 0.30 n/a
Money Market Account $50,000 and up 0.40 0.40 n/a
Money Market Account Details

*APY = Annual Percentage Yield
Dividends Paid Monthly
There may be a penalty for early withdrawl

Notes:

  1. Members receive .50% loan rate discount for payroll deduction, net pay or direct deposit.
  2. Discounts cannot be used on home equity loans or during loan promotion periods.
  3. Rates and terms are subject to change without notice.

 


790 Joslyn Avenue
Pontiac, MI 48340
248.335.9493
Map & Hours

1465 Brown Road
Orion, MI 48359
248.391.1950
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31100 Palmer Road
Westland, MI 48186
734.722.0523
Map & Hours

4080 Schaefer
Dearborn, MI 48126
313.846.7300
Map & Hours

900 Joslyn
Pontiac, MI 48340
248.335.9594
Map & Hours


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