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Savings Accounts
Effective Date: Friday, December 1st, 2023
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%.

 

 

 

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Money Management Accounts
Effective Date: Friday, December 1st, 2023
Minimum BalanceDividend RateAPY*
$1,000 to $5,000.00 0.100% 0.100%
$5,000 to $49,999 0.250% 0.250%
$50,000 to $74,999 0.449% 0.450%
$75,000 to $99,999 0.549% 0.550%
$100,000 to 149,999 0.598% 0.600%
$150,000 + 0.698% 0.700%
*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.

 

 

 

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Certificates of Deposit
Effective Date: Friday, December 1st, 2023
TermMinimum BalanceInterest RateAPY*Military RateMilitary APY**
Save to Win (1 year) $25.00 2.960% 3.000% 3.9280% 4.000%
iSave Youth (1 Year) $25.00 2.960% 3.000% 2.9600% 3.000%
Six Month $500.00 2.472% 2.500% 3.4460% 3.500%
One Year $500.00 2.960% 3.000% 3.9280% 4.000%
Two Year $500.00 3.057% 3.100% 4.0250% 4.100%
Three Year $500.00 3.154% 3.200% 4.1210% 4.200%
Four Year $500.00 3.300% 3.350% 4.2660% 4.350%
Five Year $500.00 3.445% 3.500% 4.4100% 4.500%
*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.
**MILITARY APY: Qualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. APY = Annual Percentage Yield.
Military Status Verification: For non-members wishing to avail the military rate, verification of military status is required. Acceptable proof includes: Military ID, Retirement ID, Paystubs for military pay, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.

 

 

 

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New or Used Vehicles
Effective Date: Friday, December 1st, 2023
Model YearTermAPR* As Low AsMilitary APY**
New & Used Vehicle Up to 36 Months 6.240% 5.240%
  Up to 60 Months 6.490% 5.490%
  Up to 72 Months > $15k 6.740% 5.740%
  Up to 84 Months > $25k 7.490% 6.490%
  Up to 96 Months > $30k 7.740% 6.740%
*APR=Annual Percentage Rate. Rate is ‚Äúas low as‚ÄĚ and may change based on credit history, term, and other determining factors. The ‚Äúas low as‚ÄĚ rate of 6.24% APR includes discounts for Payment Protection coverage OR active checking with a full payroll direct deposit of $1,100 per month. Payment example: A loan of $15,000 at 6.24% APR for 60 months would have a monthly payment of $291.71. Some restrictions apply. See lender for details. Rate is subject to change at any time without notice. Equal Opportunity Lender.
**MILITARY RATE DISCOUNT: Loan rates will vary based on qualifying criteria such as credit score, collateral, term, and loan type. Rate adjustments are available for all active duty military, veterans, reservists, and retirees. Verification of military affiliation is required to receive rate adjustments. Rates are 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

 

 

 

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Power Sports (Jet Ski, ATVs, & Snowmobiles)
Effective Date: Friday, December 1st, 2023
Type TermAPR* As Low As
Fixed   Up to 60 months 6.490%
Fixed   Up to 72 months 6.740%
Fixed over Over $10,000 Up to 84 months 6.990%
*APR=Annual Percentage Rate. Rate is “as low as” and may change based on credit history, term and other determining factors. As low as rate includes discounts for Payment Protection coverage OR active checking with a full payroll direct deposit of $1,100 per month. Payment example: A loan of $10,000 at 6.49% for 60 months would have a payment of $196.14. Rate subject to change at any time without notice. Equal Opportunity Lender.
MILITARY APY: Qualified Military Members receive a 1% rate discount on consumer loans, excluding  Military Line of Credit, Holiday ,Fresh Start, Courtesy Pay, Business, Mortgage. Eligible members include Active Duty, Veterans, and Retirees. Military Status Verification: For non-members wishing to avail the military rate, verification of military status is required. Acceptable proof includes: Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.

 

 

 

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Motorcycles
Effective Date: July 27, 2023
Type TermAPR* As Low As
Fixed   Up to 60 Months 6.490%
Fixed   Up to 72 Months 6.740%
Fixed Over $10,000 Up to 84 Months 6.990%
Fixed Over $30,000 Up to 120 Months 7.490%
*APR=Annual Percentage Rate. Rate is “as low as” and may change based on credit history, term and other determining factors. As low as rate includes discounts for Payment Protection coverage OR active checking with a full payroll direct deposit of $1,100 per month. Payment example: A loan of $10,000 at 6.49% for 60 months would have a payment of $196.14. Rate subject to change at any time without notice. Equal Opportunity Lender.

 

 

 

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Marine (Non-personal watercraft)
Effective Date: Friday, December 1st, 2023
TypeTermAPR*
Fixed Up to 84 months 7.240%
Fixed above $25,000 (term ineligible for CL/CD) Up to 144 months 7.740%
Fixed above $25,000 (term ineligible for CL/CD) Up to 180 months 7.990%
Fixed above $75,000 (term ineligible for CL/CD) Up to 240 months 8.240%
*APR=Annual Percentage Rate. Rate is “as low as” and may change based on credit history, term and other determining factors. As low as rate includes discounts for Payment Protection coverage OR active checking with a full payroll direct deposit of $1,100 per month. Payment example: A loan of $20,000 at 6.74% APR for 84 months would have a payment of $299.38. Rate is subject to change at any time without notice. Equal Opportunity Lender.
MILITARY APY: Qualified Military Members receive a 1% rate discount on consumer loans, excluding  Military Line of Credit, Holiday ,Fresh Start, Courtesy Pay, Business, Mortgage. Eligible members include Active Duty, Veterans, and Retirees. Military Status Verification: For non-members wishing to avail the military rate, verification of military status is required. Acceptable proof includes: Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.

 

 

 

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Campers and Motor Homes
Effective Date: Friday, December 1st, 2023
TypeTermAPR* As Low As
Fixed under $25,000 Up to 84 months 7.240%
Fixed above $25,000 (term ineligible for CL/CD) Up to 144 months 7.990%
Fixed above $25,000 (term ineligible for CL/CD) Up to 180 months 8.240%
*APR=Annual Percentage Rate. Rate is “as low as” and may change based on credit history, term and other determining factors. As low as rate includes discounts for Payment Protection coverage OR active checking with a full payroll direct deposit of $1,100 per month. Payment example: A loan of $20,000 at 6.99% APR for 84 months would have a payment of $302.69. Rate is subject to change at any time without notice. Equal Opportunity Lender.
*APR=Annual Percentage Rate. Rate is “as low as” 8.49% and may change based on credit history, term, and other determining factors. Payment example: A loan of $5,000.00 at 8.49% APR for 24 months would have a monthly payment of $226.70. "As low as" rate includes discounts for Payment Protection coverage OR active checking with a full payroll direct deposit of $1,100 per month. Loan terms up to 24 months can be extended for Payment Protection. APR may be higher, based on the term of the loan, and credit score. New money only. Rates are subject to change at any time.
MILITARY APY: Qualified Military Members receive a 1% rate discount on consumer loans, excluding  Military Line of Credit, Holiday ,Fresh Start, Courtesy Pay, Business, Mortgage. Eligible members include Active Duty, Veterans, and Retirees. Military Status Verification: For non-members wishing to avail the military rate, verification of military status is required. Acceptable proof includes: Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.

 

 

 

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Personal Loan
Effective Date: Friday, December 1st, 2023
TypeTermAPR* As Low As
Unsecured up to $15,000 Up to 24 months 8.740%
Unsecured up to $15,000 Up to 60 months 11.740%
Unsecured $15,001 - $25,000 Up to 60 months 12.740%
Unsecured $15,001 - $25,000 61-72 months 13.240%
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” 8.49% and may change based on credit history, term, and other determining factors. Payment example: A loan of $5,000.00 at 8.49% APR for 24 months would have a monthly payment of $226.70. "As low as" rate includes discounts for Payment Protection coverage OR active checking with a full payroll direct deposit of $1,100 per month. Loan terms up to 24 months can be extended for Payment Protection. APR may be higher, based on the term of the loan, and credit score. New money only. Rates are subject to change at any time.
Please call 586-466-7800 opt. 3 for more rates or to qualify.
*Military Status Verification: For non-members wishing to avail the military rate, verification of military status is required. Acceptable proof includes: Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.

 

 

 

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Mobile Homes
Effective Date: Friday, December 1st, 2023
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.

 

 

 

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Share Secured
Effective Date: Friday, December 1st, 2023
TypeTermAPR*
Secured by Credit Union Shares Flexible 3% above Savings Rate

 

 

 

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Revolving Line of Credit
Effective Date: Friday, December 1st, 2023
TypeTermAPR*
Line of Credit Open 10.990%
*APR=Annual Percentage Rate. As low as rate includes discounts for Payment Protection coverage OR active checking with a full payroll direct deposit of $1,100 per month. Payment example: A LOC with an outstanding balance of $1,000 would have a minimum payment requirement of 2% or $25.00.

 

 

 

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VISA
Effective Date: Friday, December 1st, 2023
TypeTermAPR*
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.

 

 

 

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Adjustable Rate Mortgages
Effective Date: Friday, December 1st, 2023
TypeAPR* As Low As
3 Year 5.875%
5 Year 6.125%
7 Year 6.375%
*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 5.875% for $100,000.00 (20% down/80% LTV) would have a monthly payment of $591.54

 

 

 

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Home Equity Line of Credit
Effective Date: Friday, December 1st, 2023
TypeAPR*
Adjusts every 5 years 8.5%
*A loan of $25,000 @ 8.5% for 180 months would have a monthly payment of $246. The promotional rate is subject to change at any time without notice. Equal opportunity lender. NMLS #411386
MILITARY APY: Qualified Military Members receive a 1% rate discount on consumer loans, excluding  Military Line of Credit, Holiday ,Fresh Start, Courtesy Pay, Business, Mortgage. Eligible members include Active Duty, Veterans, and Retirees. Military Status Verification: For non-members wishing to avail the military rate, verification of military status is required. Acceptable proof includes: Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty). Terms and conditions apply.

 

 

 
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