FEATURED RATES
Unlimited 3%* Cash Back
November - December, 2026
From gifts to groceries, earn UNLIMITED 3% CASH BACK on everything with a Jolt Ignite! Visa.
*Offer valid on purchases made November 1, - December 31, 2026. Terms and conditions apply. For details, visit joltcu.com/visa or call 989.799.8744.
4.99* 10-Year Balloon Mortgage
APR 5.326%
Finally, a rate you'll love!
*Annual Percentage Rate (APR) 5.326%. Rate and terms subject to change.
70 Years. 70 Days. .70% OFF
Close on a loan during October 23 – December 31 and come back within 14 days to get .70% off the rate on a second eligible loan.
Vehicle LEASING
| Name | Description |
|---|---|
| Vehicle Leasing | Available through Participating Dealership Partners |
Vehicle Loan Rates
| Loan Term \ Details | Year of Vehicle | APR* as low as | Interest Rate | Loan Feature |
|---|---|---|---|---|
| Up to 36 Months | 2024 & Newer | 4.824% | ||
| 37 to 48 Months | 2024 & Newer | 4.805% | ||
| 49 to 60 Months | 2024 & Newer | 4.793% | ||
| 61 to 72 Months | 2024 & Newer | 5.536% | ||
| 73 to 84 Months (Minimum $10,000 Loan) |
2024 & Newer | 5.780% | ||
*APR=Annual Percentage Rate. Rates listed represent our best rates and does not include a $35.00 processing fee. Rate and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security, or retirement with AutoPay set up from a Jolt checking or savings account. Not all will qualify for the lowest rate. All loans are subject to approval and rates are subject to change without notice. 90 Days No Payment: Credit approval required. Interest accrues from date loan is funded. Offer valid on new and used auto and recreational loans. Take-Back Loans excluded from 90 Days No Payment Options. Other conditions may apply. To view Payment Examples please select the hyperlinks on each loan rate. | ||||
| Loan Term \ Details | Year of Vehicle | APR* as low as | Interest Rate | Loan Feature |
|---|---|---|---|---|
| Up to 36 Months | 2015 & Newer | 4.824% | ||
| 37 to 48 Months | 2015 & Newer | 4.805% | ||
| 49 to 60 Months | 2015 & Newer | 4.793% | ||
| 61 to 66 Months | 2015 & Newer | 5.539% | ||
| 61 to 72 Months | 2015 & Newer | 5.536% | ||
| 73 to 84 Months | 2021 & Newer | 5.780% | ||
*APR=Annual Percentage Rate. Rates listed represent our best rates and does not include a $35.00 processing fee. Rate and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security, or retirement with AutoPay set up from a Jolt checking or savings account. Not all will qualify for the lowest rate. All loans are subject to approval and rates are subject to change without notice. 90 Days No Payment: Credit approval required. Interest accrues from date loan is funded. Offer valid on new and used auto and recreational loans. Take-Back Loans excluded from 90 Days No Payment Options. Other conditions may apply. To view Payment Examples please select the hyperlinks on each loan rate. | ||||
| Loan Term \ Details | Year of Vehicle | APR* as low as | Interest Rate |
|---|---|---|---|
| Up to 60 Months | 2015 – 2026 | 6.797% | |
| 61 to 72 Months | 2015 – 2026 | 7.539% | |
*APR=Annual Percentage Rate. Rates listed represent our best rates and include a $35.00 processing fee. 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. Other conditions may apply. First-Time Auto loans are not eligible for Kasasa Take-Back features. To view Payment Examples please select the hyperlinks on each loan rate. | |||
| Description | Loan Term \ Details | APR* as low as | Interest Rate |
|---|---|---|---|
| All Recreation Units 2015 or newer | Up to 36 Months | 8.148% | |
| All Recreation Units 2015 or newer | 37 to 48 Months | 8.111% | |
| All Recreation Units 2015 or newer | 49 to 60 Months | 8.049% | |
| All Recreation Units 2015 or newer | 61 to 72 Months | 8.540% | |
| All Recreation Units 2021 or newer | 73 to 84 Months | 8.781% | |
| All Recreation Units 2021 or newer | 85 to 120 Months | 9.013% | |
| Large Recreation Units 2021 or newer - $10,000 Minimum | 121 to 180 Months | 10.007% | |
*APR=Annual Percentage Rate. Rates listed represent our best rates and does not include a $35.00 processing fee. Recreational vehicle loans are not eligible for Take-Back feature. 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. 90 Days No Payment: Credit approval required. Interest accrues from date loan is funded. Offer valid on new and used auto and recreational loans. Other conditions may apply. To view Payment Examples please select the hyperlinks on each loan rate. | |||
HOME Loan Rates
| Description | Loan Term \ Details | APR* | Interest Rate |
|---|---|---|---|
| MSHDA | 5% Down Payment Payments amortized 360 months |
6.50% | |
| MSHDA with DPA** | 10% Down Payment Payments amortized 360 months |
7.125% | |
| 10 Year Balloon | 20% Down Payment Payments amortized 360 months |
4.990% | |
| 10 Year Balloon | 5% Down Payment Payments amortized 360 months |
4.990% | |
| 15-Year Fixed | 5% Down Payment Payments amortized 180 months |
7.479% | 6.875% |
| 20-Year Fixed | 5% Down Payment Payments amortized 240 months |
7.616% | 7.125% |
| 30-Year Fixed | 5% Down Payment Payments amortized 360 months |
7.632% | 7.250% |
| 30-Year Fixed, Home Possible | 3% Down Payment Payments amortized 360 months |
7.507% | 7.250% |
| Land Loan | 20% Down Payment, Payments amortized up to 240 months | 8.000% | |
*APR=Annual Percentage Rate. 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. Other conditions may apply. The Annual Percentage Rates for the 15-Year, 20-Year, and 30-Year Fixed loans are quoted without PMI premiums or any discount points. To view Payment Examples please select the hyperlinks on each loan rate. | |||
| Description | Loan Term \ Details | APR* as low as | Interest Rate |
|---|---|---|---|
| MSHDA | 5% Down Payment Payments amortized 360 months |
6.50% | |
| MSHDA with DPA** | 10% Down Payment Payments amortized 360 months |
7.125% | |
*APR=Annual Percentage Rate. 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. Other conditions may apply. **Down Payment Assistance To view Payment Examples please select the hyperlinks on each loan rate. | |||
| Description | Loan Term \ Details | APR* as low as |
|---|---|---|
| Home Equity Line of Credit | Please call Jolt CU for details | 7.00% |
*APR=Annual Percentage Rate. 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. Other conditions may apply. | ||
Kasasa account rates
| Account Type | Minimum Balance to Earn APY | Dividend Rate | Annual Percentage Yield (APY) | Compounded/Paid |
|---|---|---|---|---|
| Kasasa Cash® Checking (if qualifications are met)1, 2 |
$0.00-15,000 | 4.17% | 4.25% | Monthly/Monthly |
| Kasasa Cash® Checking (if qualifications are met)1, 2 |
$15,000.00 or greater | 0.399% | 4.25% to 0.90%3 | Monthly/Monthly |
| Kasasa Cash® Checking (if qualifications are NOT met) 1 |
$0.00 | 0.05% | 0.05% | Monthly/Monthly |
| Kasasa Saver® (if qualifications are met)1, 2 |
$0.00 - $50,000.00 | 1.48% | 1.50% | Monthly/Monthly |
| Kasasa Saver® (if qualifications are met) 1 |
$50,000.00 or greater | 0.399% | 0.40% to 0.77%4 | Monthly/Monthly |
Rate Information: The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the divided rate and frequency of compounding for an annual period. The dividend rate and annual percentage yield may change at any time as determined by the Credit Union Board of Directors. The Kasasa Saver and Kasasa Cash accounts are tiered rate accounts. To earn APY, the following qualifications must be met and all transactions and activities must post and settle to the Kasasa checking account(s) during each monthly Qualification Cycle: a) At least 12 debit card purchases; b) At least 1 direct deposit or automatic payment (ACH); c) Be enrolled in and agree to receive eStatements. 1 To earn APY, the following qualifications must be met and all transactions and activities must post and settle to the Kasasa checking account(s) during each monthly Qualification Cycle: a) At least 12 debit card purchases; b) At least 1 direct deposit or automatic payment (ACH); c) Be enrolled in and agree to receive eStatements. 2 Only the funds that comprise each tier will earn the rate for that tier. 3 The APY range is based on an assumed account balance of $15,000. The APY decreases as your balance increases. 4 The APY range is based on an assumed account balance of $150,000. The APY decreases as your balance increases. | ||||
SAVINGS RATES
| Account Type | Minimum Balance to Receive Dividend | Dividend Rate | Annual Percentage Yield (APY)* | Compounded/Paid |
|---|---|---|---|---|
| Savings | $5 | 0.050% | 0.050% | Monthly/Monthly |
| Miscellaneous Savings | $1 | 0.050% | 0.050% | Monthly/Monthly |
| Super Saver Account | $25,000 - $49,999 | 0.275% | 0.275% | Quarterly/Quarterly |
| Super Saver Account | $50,000 & Over | 0.375% | 0.280% to 0.380% | Quarterly/Quarterly |
| Christmas Club | $1 | 0.050% | 0.050% | Monthly/Monthly |
| IRA Share | $1 & Over | 0.050% | 0.050% | Monthly/Monthly |
| IRA Super Saver | $25,000 - $49,999 | 0.275% | 0.275% | Quarterly/Quarterly |
| IRA Super Saver | $50,000 & Over | 0.375% | 0.280% to 0.380% | Quarterly/Quarterly |
| Money Market | $1,000 - $9,999 | 0.200% | 0.200% | Daily/Monthly |
| Money Market | $10,000 & Over | 0.250% | 0.250% | Daily/Monthly |
| Super Saver Account is a Split Tier and each Tier will receive the dividend that applies. | ||||
| *APY=Annual Percentage Yield. Fees may reduce earnings. | ||||
| Share Certificate Type | Minimum Balance to Receive Dividend | Dividend Rate | Annual Percentage Yield (APY)* | Compounded/Paid |
|---|---|---|---|---|
| Youth 3 Month** | $100 | 0.500% | 0.500% | Monthly/Monthly |
| Youth 6 Month** | $100 | 3.450% | 3.500% | Monthly/Monthly |
| Youth 12 Month** | $100 | 3.450% | 3.500% | Quarterly/Quarterly |
| 3 Month | $1,000 | 0.500% | 0.500% | Monthly/Monthly |
| 6 Month | $1,000 | 3.450% | 3.500% | Monthly/Monthly |
| 12 Month | $1,000 | 3.450% | 3.500% | Quarterly/Quarterly |
| 18 Month | $1,000 | 3.450% | 3.500% | Quarterly/Quarterly |
| 24 Month | $1,000 | 3.460% | 3.500% | Quarterly/Quarterly |
| 30 Month | $1,000 | 3.700% | 3.750% | Quarterly/Quarterly |
| 36 Month | $1,000 | 3.210% | 3.250% | Quarterly/Quarterly |
| 39 Month Bump Up | $1,000 | 3.210% | 3.250% | Quarterly/Quarterly |
| 48 Month | $1,000 | 3.210% | 3.250% | Quarterly/Quarterly |
| 60 Month | $1,000 | 3.210% | 3.250% | Quarterly/Quarterly |
| *APY=Annual Percentage Yield. Annual Percentage Yield is the total amount of dividend paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term share certificate or IRA. Rates are expressed as an annual percentage yield (APY) and are subject to change without notice. | ||||
| **Subsequent deposits are allowed on Youth Share Certificate Accounts with terms of 3, 6, or 12 months. For minors 17 years of age or younger opening a 3, 6, or 12 month Share Certificate Account, the minimum balance requirement is $100.00 and subsequent deposits are allowed. Promotional share certificates are offered occasionally and have their own terms and conditions. | ||||
| Share Certificate Type | Minimum Balance to Receive Dividend | Dividend Rate | Annual Percentage Yield (APY)* | Compounded/Paid |
|---|---|---|---|---|
| 3 Month | $1,000 | 0.500% | 0.500% | Monthly / Monthly |
| 6 Month | $1,000 | 3.450% | 3.500% | Monthly / Monthly |
| 12 Month | $1,000 | 3.450% | 3.500% | Quarterly/Quarterly |
| 18 Month | $1,000 | 3.450% | 3.500% | Quarterly/Quarterly |
| 24 Month | $1,000 | 3.460% | 3.500% | Quarterly/Quarterly |
| 30 Month | $1,000 | 3.700% | 3.750% | Quarterly/Quarterly |
| 36 Month | $1,000 | 3.210% | 3.250% | Quarterly/Quarterly |
| 48 Month | $1,000 | 3.210% | 3.250% | Quarterly/Quarterly |
| 60 Month | $1,000 | 3.210% | 3.250% | Quarterly/Quarterly |
| *APY=Annual Percentage Yield. Annual Percentage Yield is the total amount of dividend paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term share certificate or IRA. Rates are expressed as an annual percentage yield (APY) and are subject to change without notice. | ||||
| Share Certificate Type | Minimum Balance to Receive Dividend | Dividend Rate | Annual Percentage Yield (APY)* | Compounded/Paid |
|---|---|---|---|---|
| 3 Month | $1,000 | 0.500% | 0.500% | Monthly / Monthly |
| 6 Month | $1,000 | 3.450% | 3.500% | Monthly / Monthly |
| 12 Month | $1,000 | 3.450% | 3.500% | Quarterly/Quarterly |
| 18 Month | $1,000 | 3.450% | 3.500% | Quarterly/Quarterly |
| 24 Month | $1,000 | 3.460% | 3.500% | Quarterly/Quarterly |
| 30 Month | $1,000 | 3.700% | 3.750% | Quarterly/Quarterly |
| 36 Month | $1,000 | 3.210% | 3.250% | Quarterly/Quarterly |
| 48 Month | $1,000 | 3.210% | 3.250% | Quarterly/Quarterly |
| 60 Month | $1,000 | 3.210% | 3.250% | Quarterly/Quarterly |
| *APY=Annual Percentage Yield. Annual Percentage Yield is the total amount of dividend paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term share certificate or IRA. Rates are expressed as an annual percentage yield (APY) and are subject to change without notice. | ||||
cREDIT CARDS
| Description | Feature | APR* as low as | Limited Time |
|---|---|---|---|
| Ignite Cash Back VISA | Earn Unlimited 2%* Cash Back | 11.90% | Earn Unlimited 3%** Cash Back |
| Platinum VISA Credit Card | 9.90% | ||
| *2% Cash Back: Cash Back will be earned on all qualifying purchases (excludes balance transfers and cash advances) and may take up to 2-3 days to process credits. Rewards can be redeemed only in online and mobile banking once a minimum of $5 has been accumulated. Rewards will expire after 3 years. For more details call Jolt at 800-798-2328, or call (800) 637-7728 for Visa customer service. **3% Cash Back: Terms and conditions apply. Subject to credit approval. 3% Cash Back will be earned on all qualifying purchases (excludes balance transfers and cash advances) made on your Ignite! Cash Back VISA from Nov. 1, through Dec. 31, 2026. Cash Back rewards on qualifying purchases will revert back to 2% on January 1, 2027. For more details, call 989.799.8744 or visit joltcu.com/visa. | |||
Personal loan rates
| Description | Loan Term \ Details | APR* as low as | Interest Rate | Loan Feature |
|---|---|---|---|---|
| Share-Secure Loan | Up to 12 Months | |||
| Share-Secure Loan | 13 to 36 Months | |||
| Signature Loan - $2,000 Minimum | 12 to 60 Months | 11.904% | ||
| Signature Loan - $10,000 Minimum | 61 to 72 Months | 11.882% | ||
| Let's Go Loan** | Up to 12 Months | 18.99% | 18.99% | No Credit Check |
*APR=Annual Percentage Rate. Rates listed represent our best rates and are based on creditworthiness and qualifications. All loans are subject to approval and rates are subject to change without notice. Other conditions may apply. **Must be a member of Jolt for at least 180 days with an open account and in good standing. Must have a monthly direct deposit into a Jolt checking or savings account, and a monthly direct deposit aggregate total of at least $1,000 in the prior 90 days. Must be employed at your current employer for at least the last 90 days, are not past due on any loans, and have not caused Jolt CU a loss and/or do not have a negative deposit balance. Members currently in bankruptcy are not eligible. Must be 18 years or older to apply. A $60 non-refundable processing fee will be deducted from your checking or savings account regardless of loan approval status. Member can have a maximum of one (1) Let's Go Loan open at a time. Additional restrictions and conditions may apply. Loan may be changed or discontinued at any time. To view Payment Examples please select the hyperlinks. | ||||
READY TO GET STARTED?
Apply Online
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*The promotional period applies to eligible loans disbursed October 23 – December 31, 2026. The end of the promotion is December 31, 2026 at 11:59pm. The 0.70 percentage-point APR discount applies only to the second eligible loan. The discount will be applied to the member’s otherwise-qualified APR and may not apply to the advertised minimum or “floor” rate. The following loan types are eligible for the promotion, subject to the applicable rate floors: Auto Purchase/Refinance 4.24% APR, Boat/RV 6.99% APR, Motorcycle/ATV 6.99% APR & Unsecured 10.75% APR. Leases, Mortgage, HELOC & Visa’s may qualify as the first or qualifying loan but are not eligible to receive the APR discount. A member may receive one promotional discount(s) for every qualifying loan(s) opened within the 14-day promotional window. The qualifying loan must be disbursed & remain open throughout the promotional period for the 2nd discounted eligible loan promotional rate to be applied. The following loan types, rates, or transactions are excluded from the promotion or subject to additional restrictions: Not eligible to receive discount: Mortgage, Home Equity/HELOC, Auto Lease, Lets Go Loan, Visa, OD LOC. Not a qualifying loan product: OC LOC, Lets Go Loan. Credit approval is required. Not all applicants will qualify for the promotional rate or additional credit. Equal Housing Opportunity. Membership eligibility required. Federally Insured by the NCUA.