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$100,000 to Fight Hunger
Creative Ways to Fill Your Soul With Art and Culture
CU Kind Day 2025
Girls on the Run - Presented by Jolt
Jolt Celebration Club
Jolt Food Drive
Jolt Presents: Cake a Difference with Kristin
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Northwood University - Mental Health Week
Planting the Power of Story at Handley School
Smart & Safe Digital Banking
Smart Moves to Stay One Step Ahead of Fraudsters
The Event Park in Saginaw Just Got A Little Cooler...
The Final Cent
Toy Drive Benefiting Covenant Kids

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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..

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New Auto Loans: Up to 36 Months

Up to 36 Months

Payment Example – Loan amount of $25,035 with $0 down at 5.583% APR* for 36 months results in approximate monthly payments of $755.80. APR may vary based on loan amount borrowed, term of loan, credit score. Payment example includes a $35.00 processing fee.

Used Auto Loans: 49 to 60 months

49 to 60 months

Payment Example – Loan amount of $25,035 with $0 down at 5.547% APR* for 60 months results in approximate monthly payments of $478.08. APR may vary based on loan amount borrowed, term of loan, credit score. Payment example includes a $35.00 processing fee.

Miscellaneous - All Recreation Vehicles 49 to 60 Months

All Recreation Vehicles 49 to 60 Months

Payment Example – Loan amount of $25,000 with $0 down at 8.049% APR* amortized over 60 months results in equal monthly payments of $507.09. (Loan amount does not include $35.00 processing fee.)

Miscellaneous - All Recreation Vehicles Up to 36 Months

All Recreation Vehicles Up to 36 Months

Payment Example – Loan amount of $15,000 with $0 down at 8.148% APR* for 36 months results in equal monthly payments of $470.23. (Loan amount does not include $35.00 processing fee.)

Miscellaneous - All Recreation Vehicles 37 to 48 Months

All Recreation Vehicles 37 to 48 Months

Payment Examples - Loan amount of $15,000 with $0 down at 8.111% APR* for 48 months results in equal monthly payments of $366.33. (Loan amount does not include $35.00 processing fee.)

Miscellaneous - All Recreation Vehicles 61 to 72 Months

All Recreation Vehicles 61 to 72 Months

Payment Example – Loan amount of $25,000 with $0 down at 8.540% APR* for 72 months results in equal monthly payments of $444.62. (Loan amount does not include $35.00 processing fee.)

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.

Shared 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 11.75% APR* for 60 months results in equal monthly payments of $220.62.

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 11.75% APR* for 72 months results in equal monthly payments of $194.28.

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 - 20% Down Payment

Land Loan - 20% Down Payment

Payment example based on a purchase price of $50,000, loan amount is $40,000. There will be 83 monthly payments of approximately $334.58, with one (1) balloon payment of approximately $32,720.61.

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

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 5.326% APR, 4.99% 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: 49 to 60 Months

49 to 60 months

Payment Example – Loan amount of $25,035 with $0 down at 5.547% APR* for 60 months results in approximate monthly payments of $478.08. APR may vary based on loan amount borrowed, term of loan, credit score. Payment example includes a $35.00 processing fee.

New Auto Loans: 61 to 72 months

61 to 72 months

Payment Example – Loan amount of $25,035 with $0 down at 6.289% APR* for 72 months results in approximate monthly payments of $417.75. APR may vary based on loan amount borrowed, term of loan, credit score. Payment example includes a $35.00 processing fee.

Used Auto Loans: 37 to 48 months

37 to 48 months

Payment Example – Loan amount of $25,035 with $0 down at 5.561% APR* for 48 months results in approximate monthly payments of $582.10. APR may vary based on loan amount borrowed, term of loan, credit score. Payment example includes a $35.00 processing fee.

Used Auto Loans: Up to 36 months

Up to 36 months

Payment Example – Loan amount of $25,035 with $0 down at 5.583% APR* for 36 months results in approximate monthly payments of $755.80. APR may vary based on loan amount borrowed, term of loan, credit score. Payment example includes a $35.00 processing fee.

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 $25,035 with $0 down at 6.289% APR* for 72 months results in approximate monthly payments of $417.75. APR may vary based on loan amount borrowed, term of loan, credit score. Payment example includes a $35.00 processing fee.

Used Auto Loans: 61 to 66 months

61 to 66 months

Payment Example – Loan amount of $25,035 with $0 down at 6.293% APR* for 66 months results in approximate monthly payments of $449.10. APR may vary based on loan amount borrowed, term of loan, credit score. Payment example includes a $35.00 processing fee.

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 Loans: 73 to 84 Months

73 to 84 Months

Payment Example – Loan amount of $25,035 with $0 down at 6.532% APR* for 84 months results in approximate monthly payments of $371.65. APR may vary based on loan amount borrowed, term of loan, credit score. Payment example includes a $35.00 processing fee.

Miscellaneous - All Recreation Vehicles 121 to 180 Months

All Recreation Vehicles 121 to 180 Months

Payment Example – Loan amount of $35,000 with $0 down at 10.007% APR* over 180 months results in equal monthly payments of $376.09. (Loan amount does not include $35.00 processing fee.)

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 7.49% APR* for 120 months results in 120 equal monthly payments of principal and interest of $1,199.31.

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

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: $96,159.00 loan amount at 5.510% APR, 4.99% interest rate, will result in 119 payments of approximately $515.61 and one (1) balloon payment of approximately $78,710. 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 Auto Loans: 37 to 48 Months

37 to 48 months

Payment Example – Loan amount of $25,035 with $0 down at 5.561% APR* for 48 months results in approximate monthly payments of $582.10. APR may vary based on loan amount borrowed, term of loan, credit score. Payment example includes a $35.00 processing fee.

Miscellaneous - All Recreation Vehicles 73 to 84 Months

All Recreation Vehicles 73 to 84 Months

Payment Example – Loan amount of $35,000 with $0 down at 8.781% APR* amortized over 84 months results in equal monthly payments of $559.07. (Loan amount does not include $35.00 processing fee.)

Miscellaneous - All Recreation Vehicles 85 to 120 Months

All Recreation Vehicles 85 to 120 Months

Payment Example – Loan amount of $35,000 with $0 down at 9.013% APR* over 120 months results in equal monthly payments of $443.52. (Loan amount does not include $35.00 processing fee.)

New Auto Loans: 73 to 84 Months

New Auto Loans: 73 to 84 months

Payment Example – Loan amount of $25,035 with $0 down at 6.532% APR* for 84 months results in approximate monthly payments of $371.65. APR may vary based on loan amount borrowed, term of loan, credit score. Payment example includes a $35.00 processing fee.

Land Loan - 20% Down Payment

Land Loan - 20% Down Payment

Payment example based on a purchase price of $50,000, loan amount is $40,000. There will be 83 monthly payments of approximately $334.58, with one (1) balloon payment of approximately $32,720.61.

MSHDA

Payment Example:

Payment examples assume purchase price of $100,000 and do not include amounts for Private Mortgage Insurance, taxes and insurance premiums. The payment obligation will be greater. CONVENTIONAL 30 YEAR FIXED-, amortized over a 30-year period. Borrowing $95,000 at 6.581% Annual Percentage Rate ("APR"), will result in 359 payments of approximately $569.58 and one (1) final payment of approximately $562.48. Escrow required.

MSHDA with DPA**

Payment Example:

Payment examples assume purchase price of $100,000 and do not include amounts for Private Mortgage Insurance taxes and insurance premiums. The payment obligation will be greater. CONVENTIONAL 30 YEAR FIXED - amortized over a 30-year period. Borrowing $90,000 at 7.159 % Annual Percentage Rate ("APR"), will result in 359 payments of approximately $576.28 and one (1) final payment of approximately $575.94 Escrow required.

MSHDA Rate Relief

Payment Example:

Payment examples assume purchase price of $100,000 and do not include amounts for Private Mortgage Insurance, taxes and insurance premiums. The payment obligation will be greater. CONVENTIONAL 30 YEAR FIXED-, amortized over a 30-year period. Borrowing $95,000 at 5.203% Annual Percentage Rate ("APR"), will result in 359 payments of approximately $495.57 and one (1) final payment of approximately $491.38. Escrow required.

MSHDA Rate Relief w/DPA**

Payment Example:

Payment examples assume purchase price of $100,000 and do not include amounts for Private Mortgage Insurance taxes and insurance premiums. The payment obligation will be greater. CONVENTIONAL 30 YEAR FIXED - amortized over a 30-year period. Borrowing $90,000 at 5.841% Annual Percentage Rate ("APR"), will result in 359 payments of approximately $503.98 and one (1) final payment of approximately $498.87 Escrow required.

First-Time Auto Buyer Program: Up to 60 Months

Payment Example:

Loan amount of $25,035 with $0 down at 7.048% APR* for 60 months results in approximate monthly payments of $495.60. APR may vary based on loan amount borrowed, term of loan, credit score. Payment example includes a $35.00 processing fee.

First-Time Auto Buyer Program: 61 to 72 Months

Payment Example:

Loan amount of $25,035 with $0 down at 7.790% APR* for 72 months results in approximate monthly payments of $435.77. APR may vary based on loan amount borrowed, term of loan, credit score. Payment example includes a $35.00 processing fee.

Kasasa Take-Back Loans

Paying ahead feels great—it gives you peace of mind and a sense of progress. But having the freedom to access those funds when the unexpected happens? That feels even better! With Kasasa Take-Back®, you get the best of both worlds: financial responsibility with built-in flexibility.

Let's Go Loan

LET'S GO LOAN

Payment Example – Loan amount of $1,000 with $0 down at 18.99% APR* for 12 months results in equal monthly payments of $92.15.