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Equal Housing Opportunity National Credit Union Administration This Credit Union is federally-insured by the National Credit Union Administration.
We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act.

  • Home
      • Kasasa Cash Checking
      • Kasasa Cash Back Checking
      • Classic Checking
      • Direct Deposit
      • Overdraft Protection
      • Ready to Switch?
        • Savings Rates
      • Kasasa Saver Account
      • Money Market & Super Saver Accounts
      • Amp Teen Club
      • Certificate Account
      • IRAs
    • Investment & Retirement Service
    • Business & Organization Accounts
    • Trust Accounts
    • Current Rates
    • Auto Loan
    • Recreational Vehicles
    • VISA Platinum
    • VISA Rewards
    • $1,000* Express Loan
    • Signature Loan
    • Share Secured Loan
    • Tuition Loan
    • Student Loans
    • Payment Protection
    • Mortgage Loans
    • Home Equity
    • Business Lending
    • Current Rates
    • Dealership Partners
    • Mobile Banking
    • Online Banking
    • Online Services
    • Member Benefits
    • Financial Education
    • Financial Counseling
    • Financial Resource Center
    • Calculators
    • Blog
    • TruStage Insurance
    • Early Direct Deposit
    • About Jolt Credit Union
    • Becoming a Member
    • Scholarship Program
    • Locations & ATM's
    • Your Home For Community Giving
      • Calendar of Events
      • Member Newsletters
    • Career Opportunities
    • Contact Us
    • Donation Request
New Auto Loans: 36 Months

Up to 36 Months

Payment Example – Loan amount of $25,000 with $0 down at 4.99% APR* for 36 months results in equal monthly payments of $749.19.

 

 

Used Auto Loans:Up to 60 months

Up to 60 months

Payment Example – Loan amount of $15,000 with $0 down at 4.99% APR* for 60 months results in equal monthly payments of $283.02.

 

Miscellaneous - Large RV Loan

Large RV

Payment Example – Loan amount of $25,000 with $0 down at 7.25% APR* amortized over 160 months results in equal monthly payments of $498.03.
 

Misc. Small RV Loan

Small RV

Payment Example – Loan amount of $15,000 with $0 down at 4.50% APR* for 60 months results in equal monthly payments of $279.67.
 

Misc. Motorcycle/ATV, Jet Ski Loans

Motorcycle/ATV, Jet Ski

Payment Examples:

Loan amount of $15,000 with $0 down at 7.25% APR* for 60 months results in equal monthly payments of $298.82.

 

New & Used Boats: $25,000

New & Used Boats

Payment Example – Loan amount of $25,000 with $0 down at 4.50% APR* for 60 months results in equal monthly payments of $466.12.

Balance Transfer: $10,000/$5,000

Balance Transfer

Payment Examples:

Loan amount of $10,000 with $0 down at 9.00% APR* for 60 months results in equal monthly payments of $207.60.

Loan amount of $5,000 with $0 down at 9.00% APR* for 60 months results in equal monthly payments of $103.80.

Share Secured Loan: Up to 12 months

Up to 12 months

Payment Examples – Loan amount of $2,500 with $0 down at 3.050% APR* for 12 months results in equal monthly payments of $211.80.

Signature Loan

Signature Loan

Payment Example – Loan amount of $10,000 with $0 down at 9.75% APR* for 60 months results in equal monthly payments of $211.28.
 

Technology Loan

Technology Loan

Payment Example – Loan amount of $1,500 with $0 down at 5.25% APR* for 24 months results in equal monthly payments of $65.98.

Signature Loan - $10,000 Minimum

Signature Loan

Payment Example – Loan amount of $10,000 with $0 down at 9.75% APR* for 72 months results in equal monthly payments of $184.04.
 

 

Construction Loan

Construction Loan

Please contact the Mortgage Department for details at (989) 799-8744 ext. 159 (Remove the Rate and remove the administration fee)

Land Loan

Land Loan

Please contact the Mortgage Department for details at (989) 799-8744 ext. 159 (Remove the Rate)

5 Year Balloon

5 Year Balloon

Payment Example - Loan amount of $100,000 with 20% down at 3.25% APR* for 60 months results in 59 equal monthly payments of principal and interest of $435.33 and one final payment of $89,504.00.

Payment examples do not include taxes or escrow, which if applicable, will make the actual payment obligation greater.

7 Year Balloon

7 Year Balloon

Payment Example: Loan amount of $100,000 with 20% down at 3.35% APR* for 84 months results in 83 equal monthly payments of $440.84 and one final payment of $84,943.90.

Payment examples do not include taxes or escrow, which if applicable, will make the actual payment obligation greater.

10 Year Balloon - 20% Down Payment

10 Year Balloon - 20% Down Payment

*Rate listed represents our best rate and is available to those who meet certain credit underwriting criteria for a principal residence purchase money loan. Other rates and terms are available. Rates are subject to change at any time. To determine your rate, please contact Jolt.

20% down payment required. First lien required. Payment example based on purchase price of $125,000 and amortized over a 30 year period: $100,000 loan amount at 5.258% APR, 4.75% interest rate, will result in 119 payments of approximately $536.21 and one (1) balloon payment of approximately $81,853.87. Payment example does not include taxes or hazard insurance premiums, and the actual payment obligation will be higher. This is a closed end loan product. There are no draw privileges.

5 Year Fixed

5 Year Fixed

Payment Example – Loan amount of $100,000 with 20% down at 3.25% APR* for 60 months results in 60 equal monthly payments of principal and interest of $1,808.08.

Payment examples do not include taxes or escrow, which if applicable, will make the actual payment obligation greater.

10 Year Fixed

10 Year Fixed

Payment Example – Loan amount of $100,000 with 20% down at 3.50% APR* for 120 months results in 120 equal monthly payments of principal and interest of $988.96.

Payment examples do not include taxes or escrow, which if applicable, will make the actual payment obligation greater.

15 & 30 Year Fixed

15 & 30 Year Fixed

Please click here for current terms and rates.

 

2nd Mortgage Rates: Up to 90% Lending - 5 Year

5 Year Balloon

Payment Example – Loan amount of $50,000 with 0% down at 5.75% APR* for 120 months results in 120 equal monthly payments of principal and interest of $546.23.

Payment examples do not include taxes or escrow, which if applicable, will make the actual payment obligation greater.

2nd Mortgage Rates - Up to 90% Lending - 5 Year Fixed Home Equity

5 Year Fixed Home Equity

Payment Example – Loan amount of $50,000 with 0% down at 5.60% APR* for 60 months results in 60 equal monthly payments of principal and interest of $952.92.

2nd Mortgage Rates - Up to 90% Lending - 10 Year Fixed Home Equity

10 Year Fixed Home Equity

Payment Example – Loan amount of $50,000 with 0% down at 5.60% APR* for 120 months results in 120 equal monthly payments of principal and interest of $552.34.


 

New Auto Loans: 60 Months

37 to 60 months

Payment Example – Loan amount of $25,000 with $0 down at 5.49% APR* for 60 months results in equal monthly payments of $477.75. 

 

New Auto Loans: 72 months

61 to 72 months

Payment Example – Loan amount of $25,000 with $0 down at 6.45% APR* for 72 months results in equal monthly payments of $419.67.
 

Used Auto Loans: Up to 48 months

Up to 48 months

Payment Example – Loan amount of $15,000 with $0 down at 4.49% APR* for 48 months results in equal monthly payments of $342.01.

UsedAuto Loans: Up to 36 months

Up to 36 months

Payment Example – Loan amount of $15,000 with $0 down at 4.49% APR* for 36 months results in equal monthly payments of $446.27.

Used Auto Loans: Up to 24 months

Up to 24 months

Payment Example – Loan amount of $15,000 with $0 down at 3.35% APR* for 24 months results in equal monthly payments of $647.07.

Used Auto Loans: 61 to 72 months

61 to 72 months

Payment Example – Loan amount of $15,000 with $0 down at 6.45% APR* for 72 months results in equal monthly payments of $251.80.
 

Used Auto Loans: 61 to 66 months

61 to 66 months

Payment Example – Loan amount of $15,000 with $0 down at 6.45% APR* for 66 months results in equal monthly payments of $270.57.
 

Shared Secured Loan: Up to 36 months

Up to 36 months

Payment Examples – Loan amount of $3,500 with $0 down at 4.050% APR* for 36 months results in equal monthly payments of $103.42.

Miscellaneous - Platinum VISA Credit Card**

Platinum VISA Credit Card 

9.90%

Used Auto Loan 73 to 84 Months

73 to 84 Months

Payment Example – Loan amount of $15,000 with $0 down at 6.99% APR* for 84 months results in equal monthly payments of $226.42.

Miscellaneous - Large RV 180

Large RV

Payment Example – Loan amount of $35,000 with $0 down at 9.00% APR* over 180 months results in equal monthly payments of $355.11.

Season Loan

Season Loan

Payment Example – Loan amount of $10,000 with $0 down at 6.25% APR* for 36 months results in equal monthly payments of $305.36.
 

2nd Mortgage - 10 year Fixed Up to 90% LTV

Fixed 2nd Mortgage - UP TO 90% LTV - 10 Year Fixed

Payment Example – Loan amount of $100,000 at 6.25% APR* for 120 months results in 120 equal monthly payments of principal and interest of $1,122.80.

Home Equity Line of Credit - Up to 90% LTV - 5yr Interest Only

Home Equity Line of Credit - Up to 90% LTV - 5 Years interest only Variable Rate

Payment Example – Loan amount of $100,000 at 4.75% APR* for 60 months results in 60 months of Interest Only payments of $390.39 per month.

15 Year Fixed

15 Year Fixed

*Rate listed represents our best rate and is available to those who meet certain credit underwriting criteria for a principal residence purchase money loan. Other rates and terms are available. Rates are subject to change at any time. To determine your rate, please contact Jolt.

20% down payment required.  First lien required.  Payment Example based on purchase price of $125,000 and amortized over a 15 year period: $100,000 loan amount at 3.412% APR, 3.25% interest rate, will result in 180 payments of approximately $702.67. Payment example does not include taxes or hazard insurance premiums, and the actual payment obligation will be higher.   This is a closed end loan product. There are no draw privileges.

10 Year Balloon - 5% Down Payment

10 Year Balloon - 5% Down Payment

 

*Rate listed represents our best rate and is available to those who meet certain credit underwriting criteria for a principal residence purchase money loan. Other rates and terms are available. Rates are subject to change at any time. To determine your rate, please contact Jolt.

5% down payment and private mortgage insurance are required. First lien mortgage required on a qualified Michigan residential property. Payment example based on purchase price of $100,000 and amortized over a 30 year period: $96,757.00 loan amount at 5.477% APR, 4.99% interest rate, will result in 119 payments of approximately $648.53 and one (1) balloon payment of approximately $98,9998.06. Payment example does not include taxes or hazard insurance premiums, and the actual payment obligation will be higher. This is a closed end loan product. There are no draw privileges.

Miscellaneous - Home Improvement Loans

Home Improvement Loan

Payment Example – Loan amount of $30,000 at 6.99% APR* for 72 months results in 71 equal monthly payments of $511.41 and one final payment of $511.12.

New 37 to 60 Month Auto

37 to 48 months

Payment Example – Loan amount of $15,000 with $0 down at 5.49% APR* for 48 months results in equal monthly payments of $348.80. 

Miscellaneous - Large RV Loan 84 Mos

Large RV

Payment Example – Loan amount of $35,000 with $0 down at 7.74% APR* amortized over 84 months results in equal monthly payments of $541.08.

Miscellaneous - Large RV 120 Months

Large RV

Payment Example – Loan amount of $25,000 with $0 down at 8.00% APR* over 120 months results in equal monthly payments of $303.39.