Rates

 

Loan Rates

Auto Loans
Effective Date: Tuesday, September 25th, 2018
New and used vehicle rates are the same. Specific rates determined by credit history and the loan term.
TermAPR
Up to 36 Months 3.49% - 12.49%
37-48 Months 3.49% - 12.49%
49-60 Months 3.49% - 12.49%
61-72 Months 3.99% - 13.49%
73-84 Months 4.49% - 14.74%
APR is Annual Percentage Rate.

Home Loan Rates
Effective Date: Tuesday, September 25th, 2018
For mortgages, visit umcu.mortgagewebcenter.com
TermAPR
Home Equity Line of Credit
  5.00% - 11.25% Adjustable
APR is Annual Percentage Rate.

Other Loans
Effective Date: Tuesday, September 25th, 2018
ProductAPR
Member Choice Loan 9.75% - 15.75% Fixed
Line-of-Credit 14.99% - 18.99% Adjustable
Revolving Student Loan 7.25% - 14.25% Adjustable
Start Smart Loan 9.90% Fixed
Certificate Secured Loan 2.00% + Current Certificate rate Fixed
RV-Motorcycle, Jet Ski, Snowmobile, ATV 6.75% - 16.25% Fixed
Motor Home, Boat, Travel Trailer 4.99% - 18.24% Fixed
APR is Annual Percentage Rate. Disclosed rates are subject to change at any time and may vary based on credit history, term and relationships with the Credit Union.

EMU Financial FRC Calculators
To report your Visa credit/debit card lost/stolen after hours call: 1-800-991-4965
A division of the University of Michigan Credit Union
Equal Housing Opportunity National Credit Union Administration
Federally Insured by NCUA.
734-487-1033