Competitive Savings and Loan Rates
Team One Credit Union offers a wide range of competitive rates on savings accounts, certificates, auto loans, personal loans, and mortgage products. Whether you're planning to grow your savings or finance a major purchase, our current credit union rates are designed to support your financial goals with value and flexibility. Browse our latest rates below and find options that fit your needs.
Effective Date: Monday, October 26, 2026 at 12:54 PM
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Mortgages
| Term | Rate | APR |
|---|---|---|
| 10 Year Fixed | 6.375 %* | 6.679 %* |
| 15 Year Fixed | 6.750 %* | 6.971 %* |
| 20 Year Fixed | 6.875 %* | 7.054 %* |
| 30 Year Fixed | 7.000 %* |
7.138 %*
|
Payment Example ✔ Payment Example: At an interest rate of 6.000%, a 20-year (240-month) fixed-rate mortgage would have an estimated monthly principal and interest payment of $7.16 per $1,000.00 borrowed. A loan amount of $100,000 at 6.000% interest would result in 240 monthly payments of approximately $715.00. This example does not include taxes, insurance, or other escrowed items, which will increase the total monthly payment. Actual payment amounts may vary based on loan amount, credit qualifications, and other terms.
Rates are based on $150,000 loan amount and 45-day rate lock. Rates are subject to change at any time.
Vacant Land
| Term | Rate |
|---|---|
| Vacant Land (5 Year) |
6.99 %*
|
| Vacant Land (7 Year) |
7.24 %*
|
| Vacant Land (10 Year) |
7.74 %*
|
Auto Loan
| Term | APR |
|---|---|
| Up to 60 months | 5.24 %* |
| 61-72 months (current plus 6 model years old) | 5.50 %* |
| Up to 84 months ($25,000 min; current plus 2 model year old) | 6.24 %* |
| Up to 120 months ($100,000 min, Electric and Hybrid only) | 6.49 %* |
Payment Example ✔Payment Example: At 5.4% APR, the estimated payment would be 36 monthly payments of approximately $30.15 per $1,000.00 borrowed. Subject to approval of credit application.
Recreational Loans
| Term | APR |
|---|---|
| 0 to 60 months | 7.50 %* |
| 61 to 84 months | 8.00 %* |
| 85 to 120 months | 8.50 %* |
| 121 to 180 months ($25,000 minimum) | 9.50 %* |
Payment Example ✔Payment Example: At 7.5% APR, the estimated payment would be 60 monthly payments of approximately $20.04 per $1,000.00 borrowed. Subject to approval of credit application.
Sports Vehicle
| Term | APR |
|---|---|
| 0 to 36 Months | 8.75 %* |
| 37 to 48 Months | 9.00 %* |
| 49 to 60 Months | 9.25 %* |
| 61 to 84 Months | 9.50 %* |
Payment Example ✔Payment Example: At 8.75% APR, the estimated payment would be 36 monthly payments of approximately $31.68 per $1,000.00 borrowed. Subject to approval of credit application.
Home Equity
| Term | APR |
|---|---|
| 5 Year Fixed Home Equity (LTV 80% or Less) | 6.990 %* |
| 10 Year Fixed Home Equity (LTV 80% or Less) | 7.490 %* |
| 15 Year Fixed Home Equity (LTV 80% or Less) | 7.990 %* |
Payment Example ✔Payment Example: At 7.50% APR, the estimated payment would be 60 monthly payments of approximately $20.04 per $1,000.00 borrowed. Subject to approval of credit application.
$100 application fee. Additional fees and closing costs may apply. Mobile homes are not eligible.
HELOC
| Term | APR |
|---|---|
| Home Equity Line of Credit (LTV 80% or Less) | 7.00 %2 |
Payment Example ✔Payment Example: At 7.00% APR, the estimated payment would be 12 monthly payments of approximately $86.53 per $1,000.00 borrowed. Subject to approval of credit application.
$100 nonrefundable application fee. The application fee is waived when a mortgage and Home Equity Line of Credit (HELOC) are opened at the same time. Additional fees may apply to open the plan. A $50 annual fee is assessed beginning in the second year. Mobile homes are not eligible.
Payment Example: For illustration purposes only, at 16.9% APR, a balance of $1,000.00 during the repayment period would result in 24 monthly payments of approximately $49.39, assuming no additional advances are made and the rate remains constant. Actual payment amounts will vary based on changes to the APR, outstanding balance, and other account terms. Subject to approval of credit application.
Credit Cards
| Term | APR |
|---|---|
| Visa Platinum 🗎 | From 8.90% - 13.90% |
| Visa Platinum w/ ScoreCard Rewards 🗎 | 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 %*
|
Payment Example ✔ Payment Example: At 8.9% APR, the estimated payment would be 24 monthly payments of approximately $45.47 per $1,000.00 borrowed. Actual APRs will vary based on credit qualifications, amount, and term. Rates range from 0.00% to 15.90% APR. Subject to approval of credit application.
Membership Fee: No Annual Fee on Visa Platinum version credit cards. New Beginnings Visa has a Low $25 Annual Fee.
Miscellaneous Loans
| 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 | 10.49 %* |
| Fast Cash (Rate=14.9%) | 20.80 %* |
| Grand Whatever Loan (Rate=15.59%) | 24.90 %* |
Payment Example ✔Payment Example: At 8.75% APR, the estimated payment would be 36 monthly payments of approximately $31.68 per $1,000.00 borrowed. Subject to approval of credit application.
Personal Loan
| Term | APR |
|---|---|
| Up to 36 months | 10.74 %* |
| 37–60 month | 11.49 %* |
| 61–84 months ($15,000 minimum) | 12.49 %* |
Payment Example ✔Payment Example: At 8.75% APR, the estimated payment would be 36 monthly payments of approximately $31.68 per $1,000.00 borrowed. Subject to approval of credit application.
Regular Savings and Club Account
| Dividends | Dividend Rate | APY |
|---|---|---|
| $0 - $2,000 | 0%~ | 0%^ |
| $2,000.01 - $10,000 | 0.05%~ | 0.05%^ |
| $10,000.01 + | 0.10%~ | 0.10%^ |
Annual Percentage Yield (APY) is accurate as of the last dividend declaration date.
Money Market
| Term | Dividend Rate | APY |
|---|---|---|
| $0 - $2,000 | 0.150 %~ | 0.150 %^ |
| $2,000.01 - $25,000 | 0.349 %~ | 0.350 %^ |
| $25,000.01 - $75,000 | 0.747 %~ | 0.750 %^ |
| $75,000.01 - $200,000 | 1.736 %~ | 1.750 %^ |
| $200,000.01 - $500,000 | 2.227 %~ | 2.250 %^ |
| $500,000.01 + | 2.472 %~ | 2.500 %^ |
Checking
| Dividends | Dividend Rate | APY |
|---|---|---|
| Everyday Checking | ||
| $0 - $10,000.00+ | 0.00 %~ | 0.00%^ |
| Advantage Checking | ||
| $0-1,000.00 | 0.00 %~ | 0.00%^ |
| $1,000.01 - $5,000 | 0.00 %~ | 0.00%^ |
| $5,000.01-$10,000.00 | 0.03%~ | 0.03%^ |
| $10,000.01+ | 0.05%~ | 0.05%^ |
| Relationship Checking | ||
| $0-1,000.00 | 0.00%~ | 0.00%^ |
| $1,000.01-$5,000.00 | 0.00%~ | 0.00%^ |
| $5,000.01-$10,000.00 | 0.03%~ | 0.03%^ |
| $10,000.01+ | 0.05%~ | 0.05%^ |
| Relationship Checking† | ||
| $0-1,000.00 | 2.96%~ | 3.00%^ |
| $1,000.01-$5,000.00 | 2.96%~ | 3.00%^ |
| $5,000.01-$10,000.00 | 2.96%~ | 3.00%^ |
| $10,000.01+ | 0.05%~ | 0.05%^ |
†3% Dividend paid on balances between $2,500 - $10,000 WITH 20 debit card swipes over $5
IRA/Deferred Compensation/Health Savings Accounts (HSA)
| Dividends | Dividend Rate | APY |
|---|---|---|
| $0 - $10,000 | 0.05%~ | 0.05%^ |
| $10,000.01 - $25,000 | 0.05%~ | 0.05%^ |
| $25,000.01 + | 0.10%~ | 0.10%^ |
Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit
| Term | Dividend Rate | APY |
|---|---|---|
| 3 Months | 0.995 %~ | 1.000 %^ |
| 6 Months | 3.445 %~ | 3.500 %^ |
| 12 Months | 3.542 %~ | 3.600 %^ |
| 18 Months | 3.445 %~ | 3.500 %^ |
| 24 Months | 3.397 %~ | 3.450 %^ |
| 36 Month | 3.300 %~ | 3.350 %^ |
| 48 Months | 3.542 %~ | 3.600 %^ |
| 60 Month | 3.445 %~ |
3.500 %^
|
| Save to Win† ($25-$2,500) | 3.057 %~ |
3.100 %^
|
| Save to Win† (2,500.01-$7,500) | 2.765 %~ |
2.800 %^
|
| Save to Win† (7,500.01-$10,000) | 2.472 %~ |
2.500 %^
|
| Save to Win† ($10,000.01+) | 0.050 %~ |
0.050 %^
|
*APR = Annual Percentage Rate.
^APY = Annual Percentage Yield.
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.
*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.
~Dividend Rates listed represent our best rate.
2Current Published Wall Street Journal Prime Rate. 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. Mobile homes are not eligible. Payment does not include amounts for taxes and insurance premiums and the actual payment obligation may be greater. Other conditions and restrictions may apply.
†Interest earned based on balance.
Rates are subject to change at any time. See Team One for complete details.