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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
Year APR as low as*
2015 - 2013 1.99%
2012 - 2007 1.99%
2006 & Older 5.99%
Vehicle Loan Details | Calculator | Loan Application

MOTORCYCLE
Year APR as low as*
2015 - 2013 1.99%
2012 - 2007 2.39%
2006 & Older 5.99%
Vehicle Loan Details | Calculator | Loan Application

RECREATIONAL VEHICLES
Year APR as low as*
2015 - 2013 5.00%
2012 - 2007 6.00%
Vehicle Loan Details | Calculator | Loan Application

*APR = Annual Percentage Rate. Rates and terms may vary based on credit worthiness & credit union guidelines.


SAVINGS TYPE DIVIDEND RATE APY* TERM
Regular Share Savings Account 0.05% 0.05% n/a
Christmas Club Account 0.05% 0.05% n/a
Kids Club Account 0.05% 0.05% n/a
IRA Accounts 0.30% 0.30% n/a
More Details: Regular Share Savings | IRAs: Traditional, Roth, Educational

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

 

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.

 

CERTIFICATES MINIMUM BALANCE DIVIDEND RATE
3 Month Term Share Certificates $1000 0.14%
6 Month Term Share Certificates $1000 0.24%
12 Month Term Share Certificates $1000 0.49%
18 Month Term Share Certificates $1000 0.49%
24 Month Term Share Certificates $1000 0.64%
30 Month Term Share Certificates $1000 0.74%
36 Month Term Share Certificates $1000 0.84%
39 Month Term Share Certificates $1000 0.84%
48 Month Term Share Certificates $1000 1.24%
60 Month Term Share Certificates $1000 1.74%
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.

 

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

* = APR (Annual Percentage Rate)


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%*

* = APR (Annual Percentage Rate)


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

Contact Us!

Fill out the information below and we will contact you about our loans and rates.

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*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.

 


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790 Joslyn Avenue
Pontiac, MI 48340
248.335.9493
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900 Joslyn
Pontiac, MI 48340
248.335.9594
Map & Hours