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Loans | Savings | Certificates
| Loan rates effective as of July 1, 2008. Rates are based on individual credit score and are subject to change. Call our Lending Services department at (810) 244-2200 or toll free at (800) 748-0451 to further discuss the best lending services for your specific needs. |
| Loans |
Rate |
APR* |
Term |
|
| Vehicles - New/Used rates as low as |
4.50 |
4.50 |
24 |
Calculator |
| Vehicles - New/Used rates as low as |
4.75 |
4.75 |
36 |
Calculator |
| Vehicles - New/Used rates as low as |
5.00 |
5.00 |
48 |
Calculator |
| Vehicles - New/Used rates as low as |
5.25 |
5.25 |
60 |
Calculator |
| Vehicles - New/Used rates as low as |
5.75 |
5.75 |
72 |
Calculator |
| Vehicles - New to 84 months (min. $40,000 MSRP) rates as low as |
6.00 |
6.00 |
84 |
Calculator |
| Boats, Travel Trailer, Motor Homes over $20,000 rates as low as |
5.75 |
5.75 |
144 |
Calculator |
| Boats, Travel Trailer, Motor Homes over $12,500 rates as low as |
5.75 |
5.75 |
96 |
Calculator |
| Boats, Travel Trailer, Motor Homes over $7,500 rates as low as |
5.75 |
5.75 |
72 |
Calculator |
| Boats, Travel Trailer, Motor Homes under $7,500 rates as low as |
6.25 |
6.25 |
60 |
Calculator |
| Motorcycle - New - over $20,000 rates as low as |
5.75 |
5.75 |
120 |
Calculator |
| Motorcycles over $12,500 rates as low as |
5.75 |
5.75 |
96 |
Calculator |
| Motorcycles over $7,500 rates as low as |
5.75 |
5.75 |
72 |
Calculator |
| Motorcycles under $7,500 rates as low as |
6.25 |
6.25 |
60 |
Calculator |
| ATVs, Snowmobiles, PWCs, Misc. Equipment - New rates as low as |
6.25 |
6.25 |
72 |
Calculator |
| ATVs, Snowmobiles, PWCs, Misc. Equipment - Used over $5,000 rates as low as |
6.25 |
6.25 |
60 |
Calculator |
| ATVs, Snowmobiles, PWCs, Misc. Equipment - Used under $5,000 rates as low as |
6.25 |
6.25 |
48 |
Calculator |
| Person Pocketbook Line of Credit - variable rate (prime + 3%) |
11.00 |
11.00 |
n/a |
Calculator |
| Overdraft Protection Line of Credit |
12.50 |
12.50 |
n/a |
Calculator |
| Unsecured Loans - up to 12 Months rates as low as |
9.90 |
9.90 |
12 |
Calculator |
| Unsecured Loans - 13-48 Months rates as low as |
11.00 |
11.00 |
36 |
Calculator |
| Loan secured by Pledge of Shares - Share rate + 1.5% |
|
|
60 |
Calculator |
| Loan secured by Pledge of Certificates - Cert. rate + 1.5% |
|
|
n/a |
Calculator |
| VISA PLATINUM - Purchases |
8.00 |
8.00 |
n/a |
Calculator |
| VISA PLATINUM - Cash Advances |
10.00 |
10.00 |
n/a |
Calculator |
| VISA GOLD - Purchases |
13.00 |
13.00 |
n/a |
Calculator |
| VISA GOLD - Cash Advances |
14.00 |
14.00 |
n/a |
Calculator |
| VISA CLASSIC - Purchases |
14.00 |
14.00 |
n/a |
Calculator |
| VISA CLASSIC - Cash Advances |
15.00 |
15.00 |
n/a |
Calculator |
| Home Equity - Fixed-Rate Loan - Loan to Value up to 80% rates as low as |
6.75 |
6.75 |
120 |
Calculator |
| Home Equity - Fixed-Rate Loan - Loan to Value up to 90% rates as low as |
7.00 |
7.00 |
120 |
Calculator |
| Home Equity - Fixed-Rate Loan - Loan to Value up to 95% rates as low as |
7.25 |
7.25 |
120 |
Calculator |
| Home Equity Line of Credit (maximum rate 18%) rates as low as |
5.50 |
5.50 |
n/a |
Calculator |
| Mortgages - FIXED 5-year Balloon |
5.625 |
5.625 |
360 |
Calculator |
| Mortgages - FIXED 7-year Balloon |
5.625 |
5.625 |
360 |
Calculator |
| Mortgages - FIXED Rate 5-year |
5.25 |
5.25 |
60 |
Calculator |
| Mortgages - FIXED Rate 7-year |
5.25 |
5.25 |
84 |
Calculator |
| Mortgages - FIXED Rate 10-year |
5.25 |
5.25 |
120 |
Calculator |
| Mortgages - FIXED Rate 15-year Call for rate |
---- |
---- |
180 |
Calculator |
| Mortgages - FIXED Rate 30-year Call for rate |
---- |
---- |
360 |
Calculator |
| Home Improvement Loans - FIXED |
9.25 |
9.25 |
84 |
Calculator |
| Home Improvement Loans - Variable Rate |
8.00 |
8.00 |
144 |
Calculator |
Rates for July 2008. Hi-Yield and Hi-Yield Plus Savings rates effective 7/1/08. Call our Member Services department at (810) 244-2200 or toll free at (800) 748-0451 for more information on savings and investing options. "Truth in Savings" information is available in the Disclosures section.
*This is the anticipated dividend rate for the current month. |
| Savings |
Dividend Rate |
APY* |
Term |
| Regular & Misc. Shares* (00-08) - Daily account balances <$500 |
0.15 |
0.15 |
n/a |
| Regular & Misc. Shares* (00-08) - Daily account balances $500 - $1,499 |
0.15 |
0.15 |
n/a |
| Regular & Misc. Shares* (00-08) - Daily account balances $1,500 - $2,999 |
0.25 |
0.25 |
n/a |
| Regular & Misc. Shares* (00-08) - Daily account balances >$3,000 |
0.50 |
0.50 |
n/a |
| Share Draft/Checking* (10) - Daily account balances <$500 |
0
|
0 |
n/a |
| Share Draft/Checking* (10) - Daily account balances $500 - $1,499 |
0
|
0 |
n/a |
| Share Draft/Checking* (10) - Daily account balances $1,500 - $2,999 |
0.15 |
0.15 |
n/a |
| Share Draft/Checking* (10) - Daily account balances >$3,000 |
0.25 |
0.25 |
n/a |
| Christmas Club Savings* (20) |
0.50 |
0.50 |
n/a |
| Escrow Savings* (70-72) |
0.50 |
0.50 |
n/a |
| Hi-Yield Savings - Daily account balances <$1,500 |
0
|
0 |
n/a |
| Hi-Yield Savings - Daily account balances $1,500 - $9,999 |
1.49 |
1.50 |
n/a |
| Hi-Yield Savings - Daily account balances $10,000 - $24,999 |
1.98 |
2.00 |
n/a |
| Hi-Yield Savings - Daily account balances $25,000 - $49,999 |
2.13 |
2.15 |
n/a |
| Hi-Yield Savings - Daily account balances $50,000 and more |
2.32 |
2.35 |
n/a |
| Hi-Yield Plus Savings - Daily account balances <$50,000 |
0.50 |
0.50 |
n/a |
| Hi-Yield Plus Savings - Daily account balances $50,000 - $99,999 |
2.32 |
2.35 |
n/a |
| Hi-Yield Plus Savings - Daily account balances $100,000 - $149,999 |
2.72 |
2.75 |
n/a |
| Hi-Yield Plus Savings - Daily account balances $150,000 - $199,999 |
2.96 |
3.00 |
n/a |
| Hi-Yield Plus Savings - Daily account balances $200,000 and more |
3.45 |
3.51 |
n/a |
| IRA & Roth IRA Savings* |
0.75 |
0.75 |
n/a |
| Education Savings* |
0.75 |
0.75 |
n/a |
| GM Offer Account* (funds from GM offer only; rate good thru 9/30/08) |
2.96 |
3.00 |
n/a |
* APY = Annual Percentage Yield. Rates are subject to change without notice.
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Certificate rates effective July 1-7, 2008. Call our Member Services department at (810) 244-2200 or toll free at (800) 748-0451 for more information on savings and investing options. "Truth in Savings" information is available in the Disclosures section.
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*APY = Annual Percentage Yield. Rates are subject to change without notice.
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