Loan Rates

New or Used Vehicles
Effective Date: April 1, 2021
TypeTermAPR* As Low As
Auto Loan (2019-2021) Up to 36 months 2.490%
Used Auto (2016-2018 Up to 60 months 2.740%
Used Auto Loan (2012-2015) Up to 60 months 3.490%
Used Auto Loan (2011 and older) Up to 60 months 5.990%
*APR=Annual Percentage Rate. Rate is “as low as” and may change based on credit history, term and other determining factors. Payment example: A loan of $15,000.00 at 2.49% for 36 months would have a payment of $433.29. As low as rate includes discounts for loyal borrower and either Credit Life and Credit Disability, or checking with full direct deposit to qualify. Some restrictions apply. See lender for details. Rate is subject to change at any time without notice. Equal Opportunity Lender.
For additional terms, please contact our Lending department at 586-466-7800 opt. 3

Personal Loan
Effective Date: April 1, 2021
TypeTermAPR* As Low As
Unsecured up to $15,000 Up to 60 months 6.990%
Unsecured $15,001 - $25,000 Up to 60 months 8.490%
Minimum loan $1000. Total aggregate of $25,000 unsecured debts per borrower, $50,000 per joint borrower.
*APR=Annual Percentage Rate. Rate is “as low as” and may change based on credit history, term and other determining factors. Payment example: A loan of $5,000.00 at 8.99% APR for 60 months would have a monthly payment of $99.29. Rate is subject to change at any time without notice. Equal opportunity lender.
Please call 586-466-7800 opt. 3 for more rates or to qualify.

Lifestyle Loans
Effective Date: April 1, 2021
TypeTermAPR* As Low As
Unsecured up to $15,000 Up to 60 months 6.990%
Unsecured $15,001 - $25,000 Up to 60 months 8.490%
Minimum loan $1000. Total aggregate of $25,000 unsecured debts per borrower, $50,000 per joint borrower.
*APR=Annual Percentage Rate. Rate is “as low as” and may change based on credit history, term and other determining factors. Payment example: A loan of $5,000.00 at 8.99% APR for 60 months would have a monthly payment of $99.29. Rate is subject to change at any time without notice. Equal opportunity lender.
Please call 586-466-7800 opt. 3 for more rates or to qualify.

Motorcycle, Jet Ski, Snowmobile, and ATVs
Effective Date: April 1, 2021
TypeTermAPR* As Low As
Fixed Up to 60 months 4.490%
Fixed Up to 72 months 4.740%
Fixed over $10,000 Up to 84 months 4.990%
*APR=Annual Percentage Rate. Rate is “as low as” and may change based on credit history, term and other determining factors. Payment example: A loan of $10,000 at 4.49% for 60 months would have a payment of $186.74. Rate subject to change at any time without notice. Equal Opportunity Lender.

Campers and Motor Homes
Effective Date: April 1, 2021
TypeTermAPR* As Low As
Fixed under $25,000 Up to 84 months 4.490%
Fixed above $25,000 (term ineligible for CL/CD) Up to 144 months 4.740%
Fixed above $25,000 (term ineligible for CL/CD) Up to 180 months 5.490%
*APR=Annual Percentage Rate. Rate is “as low as” and may change based on credit history, term and other determining factors. Payment example: A loan of $20,000 at 4.49% APR for 84 months would have a payment of $278.45. Rate is subject to change at any time without notice. Equal Opportunity Lender.

Marine (Non-personal watercraft)
Effective Date: April 1, 2021
TypeTermAPR*
Fixed Up to 84 months 4.490%
Fixed above $25,000 (term ineligible for CL/CD) Up to 144 months 4.740%
Fixed above $25,000 (term ineligible for CLCD) Up to 180 months 5.490%
*APR=Annual Percentage Rate. Rate is “as low as” and may change based on credit history, term and other determining factors. Payment example: A loan of $20,000 at 4.49% APR for 84 months would have a payment of $278.45. Rate is subject to change at any time without notice. Equal Opportunity Lender.

Mobile Homes
Effective Date: April 1, 2021
TypeTermAPR* As Low As
New Homes - 10% down payment required Up to 180 months 7.000%
Used Homes - 20% down payment required Max 15 years above home's age 8.000%
New requires 10% down, up to 180 months; Used required 20% down, maturity not to exceed 15 years of age. Payment example: $30,000 at 7% APR for 180 months would have a payment of $270.46 per month.

Fixed Rate Mortgages
Effective Date: April 12, 2021
TypePointsRate As Low As
10 Year Fixed 0 2.375%
15 Year Fixed 0 2.625%
20 Year Fixed 0 3.125%
30 Year Fixed 0 3.250%
*APR = Annual Percentage Rate. Rate is “as low as” and may change based on credit history, collateral, term, and other determining factors. Rates subject to change at any time without notice. A loan of $150,000 at 3.250% APR for 30 years would have a monthly payment of $632.41. Equal opportunity lender. NMLS #411386*

Adjustable Rate Mortgages
Effective Date: April 12, 2021
TypeAPR* As Low As
3 Year 3.500%
5 Year 3.750%
7 Year 3.875%
*APR = Annual Percentage Rate. Rate is “as low as” and may change based on credit history, collateral, term, and other determining factors. NMLS#411386
A 3-year ARM with an APR (annual percentage rate) as low as 3.250% for $100,000 (20% down/80% LTV) would have a monthly payment of $652.81.

VA Mortgage
Effective Date: April 1, 2021
TypePointsAPR* As Low As
10 Year Fixed 0 2.375%
15 Year Fixed 0 2.375%
20 Year Fixed 0 2.875%
30 Year Fixed 0 3.000%
*APR = Annual Percentage Rate. Rate is “as low as” and may change based on credit history, collateral, term, and other determining factors. Rates subject to change at any time without notice. A loan of $150,000 at 3.125% APR for 30 years would have a monthly payment of $642.56. Equal opportunity lender. NMLS #411386*

Home Equity Line of Credit
Effective Date: April 1, 2021
TypeAPR*
Adjusts every 5 years 3.750%
*A loan of $25,000 at 3.75 for 180 months would have a monthly payment of $182.00. Promotional rate is subject to change at any time without notice. Equal opportunity lender. NMLS #411386

FHA Mortgage
Effective Date: April 1, 2021
TypePointsAPR* As Low As
10 Year Fixed 0 Temporarily Unavailable
15 Year Fixed 0 Temporarily Unavailable
20 Year Fixed 0 Temporarily Unavailable
30 Year Fixed 0 Temporarily Unavailable
We do not currently offer FHA loans.

Share Secured
Effective Date: April 1, 2021
TypeTermAPR*
Secured by Credit Union Shares Flexible 3% above Savings Rate

Revolving Line of Credit
Effective Date: April 1, 2021
TypeTermAPR*
Line of Credit Open 10.990%
VISA Platinum Open 9.500%
VISA Classic Open 12.900%
Visa One Card Open 15.900%
*APR=Annual Percentage Rate. Payment example: A Visa with an outstanding balance of $1,000 would have a minimum payment requirement of 2% or $25.00. For the Visa One Card, the annual percentage rate is 15.90% and the minimum monthly payment is $25.

Business Purpose Loans
Effective Date: April 1, 2021
TypeTermAPR*
New titled collateral, over $30,000-$50,000 up to 84 months prime + 1% = 6.00%
Used titled collateral, over $30,000-$50,000 up to 84 months prime + 1.5% =6.50%
New, non-titled collateral over $30,000-$50,000 up to 84 months prime + 2.0% = 7.0%
Used, non-titled collateral, over $30,000-$50,000 up to 84 months prime + 2.5% = 7.50%
Fixed, unsecured (no collateral) up to 36 months prime + 6 = 11.00%
Revolving line of credit   prime + 8% = 13.00%
Visa credit card   12.90%
*APR=Annual Percentage Rate. Rate is as low as; and may change based on credit history, term and other determining factors. Payment example: A loan of $30,000.00 at 6.00% for 60 months would have a monthly payment of $581.45. Equal opportunity lender.

MSHDA Loans
Effective Date: April 1, 2021
Type
No rates found.

Bridge Loan
Effective Date: April 1, 2021
TypePointsAPR* As Low As
No rates found.

Construction Loan
Effective Date: April 1, 2021
TypePointsAPR* As Low As
12 Month Construction Loan N/A 4.875%
Construction to Mortgage (5 Year ARM) N/A 6.500%
Construction to Mortgage (12 Months) N/A 6.000%
NMLS#411386

Jumbo Mortgages
Effective Date: April 1, 2021
TypeAPR*
Loan amounts over 424,100 4.375%
Loan amounts over 650,000 4.625%
Contact 586-466-7800 opt. 2 for more information.
*A fully protected loan of $417,000 at 4.375% for 360 months would have a monthly payment of $2117.00. Promotional rate is subject to change at any time without notice. Equal opportunity lender. NMLS #411386

Vacant Land
Effective Date: April 1, 2021
Credit ScoreAPR*
650+  
649-600  
ARM over 5 years/30 years. NMLS#411386

2nd Homes
Effective Date: April 12, 2021
TypePointsAPR* As Low As
30 year fixed 0 3.250%
20 year fixed 0 3.125%
15 year fixed 0 2.625%
10 year fixed 0 2.375%

Investment Homes
Effective Date: April 12, 2021
TypePointsAPR* As Low As
30 year fixed 0 3.250%
20 year fixed 0 3.125%
15 year fixed 0 2.625%
10 year fixed 0 2.375%

Fresh Start Loan
Effective Date: April 1, 2021
TypeTermAPR*
Fresh Start Loan 12 Months 18.99%


Savings Rates

Savings Accounts
Effective Date: April 1, 2021
TypeMinimum BalanceDividend RateAPY*Dividend Paid
Regular Share Savings $10.00 0.150% 0.150% Qtrly
Regular Share Savings Dividend Rate only applies to balances over $100.
Special Savings $0.00 0.150% 0.150% Qtrly
Special Savings Dividend Rate only applies to balances over $100.
Individual Retirement Account (IRA) $250.00 0.500% 0.500% Qtrly
IRA Rollover N/A 0.500% 0.500% Qtrly
Christmas Club N/A 0.150% 0.150% Mo
Christmas Club Dividend Rate only applies to balances over $100.
Vacation Club $0.00 0.150% 0.150% Qtrly
Vacation Club Dividend Rate only applies to balances over $100.
*APY = Annual Percentage Yield. APY is the total amount of dividends paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage.
**To earn dividend, members must qualify each month by doing the following: 1) use debit card 15 times or more for purchases, 2) be enrolled in eStatements, and 3) Incur at least one electronic transaction processed through the checking account (incoming, such as direct deposit, or outgoing, such as paying a bill). Dividends paid monthly on balances up to $10,000.  Balances over $10,000 earn .05%.

Money Management Accounts
Effective Date: April 1, 2021
Minimum BalanceDividend RateAPY*
$1,000 to $5,000.00 0.100% 0.100%
$5,000 to $49,999 0.150% 0.150%
$50,000 to $74,999 0.200% 0.200%
$75,000 to $99,999 0.300% 0.300%
$100,000 to 149,999 0.350% 0.350%
$150,000 + 0.450% 0.450%
*APY = Annual Percentage Yield. APY is the total amount of dividends paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. Dividends paid monthly.

Certificates of Deposit
Effective Date: April 1, 2021
TermMinimum BalanceInterest RateAPY*
Save to Win (1 year) $25.00 0.399% 0.400%
iSave Youth (1 Year) $25.00 0.399% 0.400%
Six Month $500.00 0.300% 0.300%
One Year $500.00 0.399% 0.400%
Two Year $500.00 0.499% 0.500%
Three Year $500.00 0.698% 0.700%
Four Year $500.00 0.797% 0.800%
Five Year $500.00 0.847% 0.850%
*APY = Annual Percentage Yield. APY is the total amount of dividends paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage.

Jumbo Certificates of Deposit
Effective Date: April 1, 2021
TermMinimum BalanceInterest RateAPY*Interest Paid
Six Month $100,000.00 0.400% 0.400% Mo
One Year $100,000.00 0.650% 0.650% Mo
Two Year $100,000.00 0.990% 1.000% Mo
Three Year $100,000.00 1.240% 1.250% Mo
Four Year $100,000.00 1.390% 1.400% Mo
Five Year $100,000.00 1.790% 1.800% Mo
*APY = Annual Percentage Yield. Annual Percentage Yield is the total amount of dividends paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage.

Certificate of Deposit - Specials
Effective Date: April 1, 2021
TermMinimum BalanceInterest RateAPY*
No rates found.

Business Money Management Account
Effective Date: April 1, 2021
Minimum BalanceDividend RateAPY*
$1,000-9,999 0.100% 0.100%
$10,000-24,999 0.200% 0.200%
$25,000-74,999 0.250% 0.250%
$75,000-149,999 0.300% 0.300%
$150,000+ 0.399% 0.400%
*APY = Annual Percentage Yield. APY is the total amount of dividends paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. Dividends paid monthly.

Bump-rate CDs
Effective Date: January 1, 2021
TermMinimum BalanceInterest RateAPY*
3-year $500.00 1.980% 2.000%
5-year $500.00 2.325% 2.350%
*APY = Annual Percentage Yield. APY is the total amount of dividends paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage.



 

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