Personal Loan Rates
Effective Date: Wednesday, May 14th, 2025
| APR* | Max Term | |
|---|---|---|
| Signature Loan | As low as 10.50% | 36 Months |
| 48 Months | ||
| 60 Months | ||
| Share or CD Secured | 2.50% over rate paid | Match to Maturity |
| Personal Computer | 36 Months | |
| Proof of Purchase is required | ||
| Personal Line of Credit | Revolving | |
| Overdraft Plus, Overdraft Protection | 13.00% | Revolving |
Credit Card Rates
Effective Date: Wednesday, May 14th, 2025
| APR* | |
|---|---|
| Platinum Mastercard | As low as 8.50% |
| Platinum Mastercard Secured | As low as 8.50% |
New and Used Vehicle Rates
Effective Date: Wednesday, May 14th, 2025
Autos, Trucks, SUVS & "Demos" for current year and up to 6 model years. Maximum Loan Amount up to 100% of the M.S.R.P plus taxes, tags, extended warranty & gap insurance.
| Max Term | APR* |
|---|---|
| 36 Months | As low as 4.99% |
| 48 Months | |
| 60 Months | |
| 72 Months | |
| 84 Months | |
| Minimum Loan is $12,000 for 72 months & $20,000 for 84 months. Available term for vehicle loans is based on age of collateral. | |
Recreational Vehicle Loan Rates
Effective Date: Wednesday, May 14th, 2025
| Vehicle Type | APR* | Max Term |
|---|---|---|
| 60 months | ||
| 36 months | ||
| Up to 100% of the N.A.D.A. suggested retail value | ||
| 120 months | ||
| 120 months | ||
| Up to 90% of the M.S.R.P. Up to 80% of the N.A.D.A. suggested retail value | ||
Real Estate Loans
Effective Date: Wednesday, May 14th, 2025
| APR* | Max Term | |
|---|---|---|
| Home Equity Closed End Equity Loan | 120 months | |
| Home Equity Lines of Credit | Revolving Draw Term 5 years Repayment 10 years | |
| 9.50% - Variable Rate** (Prime Plus 2%) | Revolving Draw Term 5 years Repayment 10 years | |
| Home Equity LOC - Up to 90% LTV. Eligible properties are owner-occupied primary residences within Michigan. Call our Loan Department at 989-224-9511 for rates, terms, an application, and disclosures; or visit or website & apply on line. Prime Rate as disclosed quarterly in the Wall Street Journal. | ||
| Stated APR is the base rate available. An applicant's actual final rate may be higher, based upon creditworthiness which applies to mortgages and consumer loans. Property being financed must be located in the state of Michigan. | ||
