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Loan and Savings Rates

Thank you for visiting our Rates page! We actively monitor the rates offered by other institutions in our area and pride ourselves in pricing our loans and savings products among the best in Northern Michigan. In addition to the products listed below, we also offer loans for recreational vehicles (snowmobiles, boats, etc.), motor homes, and vacant land. All loan offerings are subject to approval and rates may vary based on credit. Call or visit your local branch office to get the application process started (or simply log into It'sMe247 and start the application process yourself!).

APR stands for Annual Percentage Rate
APY stands for Annual Percentage Yield
All loan rates listed below are on an "as low as" basis - Rates vary based on credit score

Loans
Auto Loans	Months	APR
New Untitled Vehicles	24-72	3.90%
2010 - 2011	up to 72	4.50%
2006- 2009	up to 60	5.00%
2004 - 2005	up to 42	5.25%
200* and Older	up to 42	6.00%

Unsecured Loans	Months	APR
Under $1,000	up to 24	14.00%
$1,000 to $7,000	up to 60	11.00%

Credit Cards		APR
Visa Platinum		8.90%
Visa Classic		11.90%
VISA Disclosure
Loan Rates Effective as of 12/02/2010
We also offer Mortgage and Home Equity products. However, our rates can change almost daily. Please call us at (231) 879-4154 for our latest rates!

Savings Products
Share Accounts	Rate	APY
Under $500	0.10%	0.10%
$500 to $2,499.99	0.15%	0.15%
$2,500 or More	0.25%	0.25%

Christmas Clubs	0.50%	0.50%
Dividends for shares are declared for the period 10/1/11 -12/31/11
Certificate of Deposits	Rate	APY
3 Months	0.35%	0.35%
6 Months	0.45%	0.45%
6 Month Youth CD	0.45%	0.45%
12 and 18 Months	0.70%	0.70%
24 and 30 Months	0.70%	0.70%
36 Months	1.10%	1.11%
48 Months	1.50%	1.51%
60 Months	1.74%	1.75%

Individual Retirement Accounts	Rate	APY
All IRA Varieties	2.50%	2.53%
Dividends for IRA's are declared for the period 1/1/11 to 12/31/11
All Shares, CD's, and IRA's are insured by the NCUA for at least $250,000. Invest with confidence!