Main office: 231-946-6655
Lake Leelanau: 231-256-7778
Right at Home: How to Keep your Home and Avoid Foreclosure
Mobilized Your Finances: Text 'BAL' to 42265 to get your checking balance!

Loan Rates

All rates reported as Annual Percentage Rate unless otherwise noted.
Rates effective as of 1/1/13. All rates are subject to change without notice.

*Check with the Credit Union for more detail, all rates quoted "as low as."

New/Used Vehicles

Vehicle Year

Term

Rate as low as:

2008 - Newer (Less than 100,00 miles)

Up to 72 months

2.99%

2006 - 2007 (Less than 100,000 miles)

Up to 60 months

2.99%

2003 - 2005

Up to 48 months

4.99%

1999 - 2002

Up to 36 months

6.99%

1998 - Older

Up to 24 months

8.99%


*WE WILL ONLY LEND 75% OF VALUE ON VEHICLES
WITH SALVAGE TITLES AND/OR 100,000 MILES*

 

Terms vary according to mileage; terms up to 72 months on selected vehicles, see loan department for details.


Recreational/Equipment

Year

Term

Rate as low as:

2008 - Newer (Less than 100,00 miles)

Up to 72 months

2.99%

2003 - 2007

Up to 48 months

4.99%

1999 - 2002

Up to 48 months

5.99%

1998 - Older

Please Inquire

8.99%

Motor Homes 2008 - Newer
(Call credit union for other specifics)

10 year fixed

2.99%

12 year with 5 year balloon

2.99%

 

Boat Rates

Boat Year

Term

Rate as low as:

Brand New Only
(Over $30,000.00)

12 year with 5 year balloon

3.49%

2008 - Newer

10 year if over $20,000.00
5 year if under $20,000.00

3.49%
3.49%

2003 - 2007

10 year with 5 year balloon
5 year if under $20,000.00

5.49%
5.49%

2000 - 2002

10 year with 5 year balloon if over $20,000.00
5 year if under $20,000.00

6.49%
6.49%

1998 - 1999

5 year

8.49%

 

 

Unsecured

Line of Credit/Overdraft Protection
(variable rate)
8.25%-10.25%

Other Rates

VISA...no annual fee, 25 day grace period
Platinum Preferred

Classic
As low as 8.90%

As low as 13.90%
Share Secured Loans As Low As: 3.99%
Co-Signer Loans 8.25%-10.25%
Classic Cars -25 years or older As Low As: 5.99%
Catholic School Tuition Loans...12 month repayment As Low As: 4.00%

Home Equity Loans

Line of Credit: variable rate As Low As: 4.25%
Closed End: fixed rate As Low As: 4.75%

Secondary Market Mortgages

15-year/5-year Balloon As Low As: 3.25%
20-year/7-year Balloon As Low As: 3.50%
30-year/10-year Balloon As Low As: 3.75%
10-year...fixed rate, in-house As Low As: 3.75%
Manufactured Homes on Land As Low As: 5.75%


Deposit Rates

Shares

Shares .10%
IRA .20%
Money Market - Under $24,999.99 .10%
Money Market - Over $25,000.00 .20%

Time Certificates

6 month 0.20%
1 year 0.25%
2 year 0.35%
3 year 0.35%
4 year 0.35%
5 year 0.35%
Certificate rates are APY (Annual Percentage Yield) earned
All Rates are Subject to Change

Calculators

  • Investment Returns

    There is more to investing than knowing your annual rate of return. Use this calculator to help you see how inflation, taxes and your time horizon can impact your bottom line.

  • Amortizing Loan Calculator -

    Enter your desired payment - and let us calculate your loan amount or enter in the loan amount and we will calculate your monthly payment!

  • Loan Comparison Calculator -

    Use this calculator to sort through the monthly payments, fees and other costs associated with comparing loan options.

  • Savings Calculator -

    Find out how consistent investments over a number of years can be an effective strategy to accumulate wealth.

  • Savings Goals -

    What will it take to reach your savings goal? This financial calculator helps you find out.

Your savings federally insured to at least $250,000 and
backed by the full faith and credit of the United States Government.
Equal Housing Lender