Mortgage Rates

Take advantage of our competitive rates on various mortgage options

As a not-for-profit credit union in Michigan, we can offer lower mortgage rates because we answer to and are owned by you, our member.

We’re here to help you through the entire process, from a True Preapproval through getting the keys to your dream home. Learn more about our process.

Fixed-Rate Mortgage
Available for terms up to 30 years. Here are just a few examples of the great rates we currently offer.
Term	Rates as low as	Points	APR*	Payment*
30 Year	7.000%	0.254%	7.097%	$1,330.60
20 Year	6.625%	0.274%	6.752%	$1,505.90
15 Year	6.625%	0.246%	6.779%	$1,755.99
10 Year	6.500%	0.000%	6.660%	$2,270.96
*APR = Annual Percentage Rate. The payment is based on a loan amount of $200,000 and consists of principal and interest. The payment does not include taxes and insurance premiums. The actual payment amount will be greater.

Adjustable-Rate Mortgage
ARM loans amortized for 30 years. Here is just an example of the great rates we currently offer.
Term	Rates as low as	Points	APR*	Payment*
5-Year ARM	6.000%	0.000%	7.276%	$1,199.10
7-Year ARM	6.250%	0.000%	7.171%	$1,231.43
*APR = Annual Percentage Rate. The initial payment is based on a $200,000 loan on a $335,000 property in Michigan, amortized for 30 years. This assumes the loan is for the refinance of a single-family residence that will be used as a primary residence and that the applicant has a credit score of 740 or higher. The payment consists of principal and interest and does not include taxes and insurance premiums. The actual payment amount will be greater. After the initial fixed period, the principal and interest payment can change every year for the remaining life of the loan. View payment details.

FHA Mortgage
Fixed-rate and adjustable-rate loans available for terms up to 30 years. Here is just an example of the great rates we currently offer.
Term	Rates as low as	Points	APR*	Payment*
30 Year Fixed	7.250%	0.000%	8.070%	$1,479.48
15 Year Fixed	7.125%	0.000%	7.954%	$1,908.87
*APR = Annual Percentage Rate. The payment is based on a loan amount of $200,000 and consists of principal, interest and mortgage insurance premiums. The payment does not include taxes and other insurance premiums. The actual payment amount will be greater.

Jumbo Mortgage Loan
Fixed-rate and adjustable-rate loans available for terms up to 30 years. Here is just an example of the great rates we currently offer.
Term	Rates as low as	Points	APR*	Payment*
15 Year Fixed	6.875%	0.246%	6.991%	$6,476.65
*APR = Annual Percentage Rate. The payment is based on a loan amount of $726,500 and consists of principal and interest. The payment does not include taxes and insurance premiums. The actual payment amount will be greater.

Vacant Land Loan
Fixed-rate and adjustable-rate loans available for terms up to 30 years. Here is just an example of the great rates we currently offer.
Term	Rates as low as	Points	APR*	Payment*
10 Year Fixed	7.750%	0.000%	8.406%	$600.05
*APR = Annual Percentage Rate. This interest rate is based on 10 acres or less. The payment is based on a loan amount of $50,000 and consists of principal and interest. The payment does not include taxes and insurance premiums. The actual payment amount will be greater. For parcels in excess of 10 acres, contact our Mortgage Department at 866.674.2848 for more information.