Loan Rates

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Relationship Rewards discounted rate NOT available
Term Rate* APR1
10 Year Fixed 5.500 %* 5.825 %*
15 Year Fixed 5.625 %* 5.855 %*
20 Year Fixed 6.250 %* 6.438 %*
30 Year Fixed 6.500 %*
6.644 %*

*Approval is based on overall creditworthiness factors and satisfactory collateral. Subject property must be in the state of Michigan and be a single-family residence. Manufactured, mobile and modular homes are not eligible. Approximate monthly payment for a 30-year fixed rate loan with a rate of 6.500% and loan amount of $200,000 is $1,264.14. Payment does not include amounts for taxes and insurance premiums and the actual payment obligation may be greater. Other conditions and restrictions may apply. Rates are subject to change at any time.

Relationship Rewards discounted rate ARE available
Term Rate* APR1
Vacant Land (5 Year)
5.49 %*

Vacant Land (7 Year)
5.74 %*

Vacant Land (10 Year)
6.24 %*

We offer lease buyouts. Please call for more information.
Term APR
Up to 60 months 5.74 %*
61-72 months (current plus 6 model years old) 6.00 %*
Up to 84 months ($25,000 min; current plus 1 model year old) 6.74 %*
Up to 120 months ($100,000 min, Electric and Hybrid only) 6.99 %*

*Approval and actual rate offered based on creditworthiness factors, term, and satisfactory collateral. Other conditions and restrictions may apply.

Term APR
0 to 60 months 6.49 %*
61 to 84 months 6.99 %*
85 to 120 months 7.49 %*
121 to 180 months ($25,000 minimum) 8.49 %*

*Approval and actual rate offered based on creditworthiness factors, term, and satisfactory collateral. Other conditions and restrictions may apply.

Term APR
0 to 36 Months 8.00 %*
37 to 48 Months 8.25 %*
49 to 60 Months 8.50 %*
61 to 84 Months 8.75 %*
Misc. Secured/Utility Trailer
(84 Month Max)
9.74 %*

*Approval and actual rate offered based on creditworthiness factors, term, and satisfactory collateral. Rates are subject to change at any time. Other conditions and restrictions may apply.

Term APR
5 Year Fixed Home Equity (LTV 80% or Less) 5.740 %*
10 Year Fixed Home Equity (LTV 80% or Less) 6.240 %*
15 Year Fixed Home Equity (LTV 80% or Less) 6.740 %*

*Approval is based on overall creditworthiness factors and satisfactory collateral. Subject property must be in the state of Michigan and be a single-family residence. Manufactured, mobile and modular homes are not eligible. Approximate monthly payment for a 15-year fixed rate loan with a rate of 6.740% and loan amount of $25,000 is $221.09. Payment does not include amounts for taxes and insurance premiums and the actual payment obligation may be greater. Other conditions and restrictions may apply. Rates are subject to change at any time.

Term APR
Home Equity Line of Credit (LTV 80% or Less) Prime Rate*
*Current Published Wall Street Journal Prime Rate
Term APR
Visa Platinum From 8.90% - 13.90%*
Visa Platinum w/ ScoreCard Bonus Points From 10.90%-15.90%*
Visa Platinum w/ Cash Back Rewards From 10.90%-15.90%*
New Beginnings Visa From 16.90%-19.90%*
Commercial Visa Credit Card 10.90 %*
*Approval and actual rate offered are based on creditworthiness factors and type of credit card. Foreign Transaction Fee up to 1% of each transaction in U.S. Dollars applies. Balance transfer fee is $10 or 2% of each transfer, whichever is greater and cash advance fee is $10 or 2% of each advance, whichever is greater. New Beginnings credit card has an annual fee of $25.00. Other conditions and restrictions may apply. Rates and fees are subject to change at any time.
Term APR
Revolving Line of Credit 10.90 %*
CD Secured (Floor is 2.50% over current CD rate) Varies
Share Secured (Floor is 2.50% over current share) Varies
Misc. Secured 9.74 %*
Grand Whatever Loan (Rate=15.59%) 24.90 %*
Term APR
Up to 36 months 8.74 %*
37–60 month 9.49 %*
61–84 months ($15,000 minimum) 10.49 %*
*APR = Annual Percentage Rate.
To view Payment Examples please select the hyperlinks on each loan rate.
1Annual Percentage Rate (APR) is based on a $100,000 loan amount with an LTV of 80%.
Rates listed represent our best rates. Rates, terms and conditions vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval and rates are subject to change without notice. 
Rate commitment 60 days from approval date for new ordered vehicles.

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