Build up your savings, save on your loans.

What do you want to accomplish? 无论你是为了达到一个特定的目标而存钱，还是准备买一件大的东西, 阿伯金融在这里帮助会员和他们的家庭在整个密歇根州. Our rates are first rate.

作为一个非营利性的信用合作社，我们的利率是为您和所有会员的利益而设计的.

Loan Rates

Get financing for the things you want.

Auto Loans

利用我们的贷款利率结构购买大宗商品, refinance an existing loan to save, to get a credit card and more.

Year	Term	APR as low as*
2024-2023 (up to 100% LTV Max)	Up to 36 months	6.49%
	37 - 48 months	6.74%
	49 - 60 months	6.99%
	61 - 72 months (Call for details)	7.24%
	73 - 84 months (Call for details)	8.49%
	85 - 96 Months (Call for details)**	9.74%
2022-2017 (up to 100% LTV Max)	Up to 36 months	6.74%
	37 - 48 months	6.99%
	49 - 60 months	7.24%
	61 - 72 months (Call for details)	7.49%
	73 - 84 months (Call for details)	8.74%
	85 - 96 months (Call for details)**	9.99%
2016 and older	Call for Rates

*Annual Percentage Rate (APR). 所披露的利率是可用的最低利率，并由您的信用评分和申请时的贷款价值决定. Rates subject to change.

**最长车龄不超过两年的借款人可获85至96个月的贷款期限, with a minimum loan amount of $45,000, and with qualifying credit. Call for details.

Motorcycle Loans

利用我们的贷款利率结构购买大宗商品, refinance an existing loan to save, to get a credit card and more.

Year	Term	APR as low as*
2024-2023 (up to 100% LTV Max)	Up to 36 months	7.49%
	37 - 48 months	7.74%
	49 - 60 months	7.99%
	61 - 72 months (Call for details)	8.24%
	73 - 84 months (Call for details)	8.74%
	85 - 96 Months (Call for details)**	9.99%
2022-2017 (up to 100% LTV Max)	Up to 36 months	7.74%
	37 - 48 months	7.99%
	49 - 60 months	8.24%
	61 - 72 months (Call for details)	8.49%
	73 - 84 months (Call for details)	8.99%
	85 - 96 months (Call for details)**	10.24%
2016 and older	Call for Rates

RV, Boat, ATV, & Other Loans

Apply Now

Name	Term	APR as low as*
RV, Boat, and Motor Home Loans	Up to 60 months	8.74%
	61 to 84 months	9.24%
	85 to 120 months	9.74%
	121 to 180 months	10.99%
ATV, Snowmobile, and Dirt Bike Loans	Up to 60 months	8.74%

*Annual Percentage Rate (APR). 所披露的利率是可用的最低利率，并由您的信用评分和申请时的贷款价值决定. 年利率是按贷款金额少于或等于15万美元计算的. Rates subject to change.

Home Equity Line of Credit

Apply Now

Name	APR as low as*
Home Equity Line of Credit	8.50%

*Annual Percentage Rate (APR). The APR is variable, 根据您的信用评分和房屋的贷款与价值比率决定的保证金. The maximum APR is 15%. Subject to credit approval. 将使用自动估值模型(AVM)来确定HELOC请求金额低于100美元的权益,000. 如果会员不同意AVM的价值，他们可以选择自费购买评估. Subject to change without notice. Property Insurance Required.

FlexLOC

Apply Now

Name	Term	APR as low as*	Interest Rate
FlexLOC		11.25%

*Rates as of April 1, 2024. APR = Annual Percentage Rate. Rates are variable. 资格是基于对个人信誉的评估和我们的承销标准. All Credit Union loan programs, rates, 条款及条件如有更改，恕不另行通知. Not all applicants will qualify. Contact us for more information.

Personal Loans

Term	APR as low as*
Up to 36 months	10.99%
37 to 60 months	11.49%
61 to 84 months	12.99%

*Annual Percentage Rate (APR). 您收到的利率将取决于您在申请时的信用评分和贷款期限. Loan subject to credit approval.

Credit Cards

Apply Now

Name	Term	APR as low as*
Advantage Visa Card	Open-end	11.25%
Rewards Visa Card	Open-end	14.50%
Volt Rewards Visa Card	Open-end	14.50%

Auto Loans

利用我们的贷款利率结构购买大宗商品, refinance an existing loan to save, to get a credit card and more.

Year	Term	APR as low as*
2024-2023 (up to 100% LTV Max)	Up to 36 months	6.49%
	37 - 48 months	6.74%
	49 - 60 months	6.99%
	61 - 72 months (Call for details)	7.24%
	73 - 84 months (Call for details)	8.49%
	85 - 96 Months (Call for details)**	9.74%
2022-2017 (up to 100% LTV Max)	Up to 36 months	6.74%
	37 - 48 months	6.99%
	49 - 60 months	7.24%
	61 - 72 months (Call for details)	7.49%
	73 - 84 months (Call for details)	8.74%
	85 - 96 months (Call for details)**	9.99%
2016 and older	Call for Rates

*Annual Percentage Rate (APR). 所披露的利率是可用的最低利率，并由您的信用评分和申请时的贷款价值决定. Rates subject to change.

**最长车龄不超过两年的借款人可获85至96个月的贷款期限, with a minimum loan amount of $45,000, and with qualifying credit. Call for details.

Motorcycle Loans

利用我们的贷款利率结构购买大宗商品, refinance an existing loan to save, to get a credit card and more.

Year	Term	APR as low as*
2024-2023 (up to 100% LTV Max)	Up to 36 months	7.49%
	37 - 48 months	7.74%
	49 - 60 months	7.99%
	61 - 72 months (Call for details)	8.24%
	73 - 84 months (Call for details)	8.74%
	85 - 96 Months (Call for details)**	9.99%
2022-2017 (up to 100% LTV Max)	Up to 36 months	7.74%
	37 - 48 months	7.99%
	49 - 60 months	8.24%
	61 - 72 months (Call for details)	8.49%
	73 - 84 months (Call for details)	8.99%
	85 - 96 months (Call for details)**	10.24%
2016 and older	Call for Rates

RV, Boat, ATV, & Other Loans

Apply Now

Name	Term	APR as low as*
RV, Boat, and Motor Home Loans	Up to 60 months	8.74%
	61 to 84 months	9.24%
	85 to 120 months	9.74%
	121 to 180 months	10.99%
ATV, Snowmobile, and Dirt Bike Loans	Up to 60 months	8.74%

Fixed-Rate Mortgages

No Money Down & No PMI Mortgages

Please call 269.544.3105 for rates.
Terms available: 30 year, 15 year, 10 year, 7 year

See assumptions.

Fixed-Rate Mortgages

Adjustable-Rate Mortgages

Fixed Home Equity Loan

Home Equity Line of Credit

Apply Now

Name	APR as low as*
Home Equity Line of Credit	8.50%

FlexLOC

Apply Now

Name	Term	APR as low as*	Interest Rate
FlexLOC		11.25%

Personal Loans

Term	APR as low as*
Up to 36 months	10.99%
37 to 60 months	11.49%
61 to 84 months	12.99%

*Annual Percentage Rate (APR). 您收到的利率将取决于您在申请时的信用评分和贷款期限. Loan subject to credit approval.

Credit Cards

Apply Now

Name	Term	APR as low as*
Advantage Visa Card	Open-end	11.25%
Rewards Visa Card	Open-end	14.50%
Volt Rewards Visa Card	Open-end	14.50%

Deposit Rates

成功的根源在于Arbor Financial可靠的储蓄率.

Savings Rates

Name	Minimum Balance	APY*
Primary Savings**	$5	0.05%
Volt Banking Savings Account***	$5 - $1,000	3.00%
Volt Banking Savings Account***	$1,000.01 or more	0.05%
Explorer's Club Savings***	$5	0.05%
IRA Savings Account	up to $24,999.99	0.30%
IRA Savings Account	$25,000 - $99,999.99	0.40%
IRA Savings Account	$100,000 or more	0.60%
Special Savings	$5	0.05%
Premier Savings¹	$0-14.999.99	1.50%
Premier Savings¹	$15,000 or more	3.00%

* Arbor Financial Credit Union储蓄计划的年度百分比收益率(APYs)按每日余额法计算. 对于储蓄账户，股息是复利的，每季度支付一次. 股息率和年利率可能在董事会决定的任何时间发生变化. APY shown is accurate as of April 1, 2024.

** Balances of $100.00 or more earn a dividend. A minimum balance of $5.00 is required to maintain membership. Fees may reduce the earnings on the account.

*** A minimum balance of $5.00 is required to maintain membership. View Fee Schedule.

1. 按日余额法计算的年利率. Dividends are compounded and paid quarterly. APY is variable and may change at any time. Fees may reduce earnings on the account. APY shown is accurate as of March 1, 2024. One Premier Savings account per member.

Checking Rates

Name	Minimum Balance	APY*
Momentum Checking+	10-19 Debit Card Purchases $0 - $15,000	0.75%
Momentum Checking+	20+ Debit Card Purchases $0 - $15,000	4.00%
Free Checking	$0	N/A
Premier Checking**	$2,500 - $24,999.99	0.05%
Premier Checking**	$25,000 - $99,999.99	0.10%
Premier Checking**	$100,000 or more	0.20%
Select Checking***	$0- $249,999.99	0.01%
Select Checking***	$250,000 or more	3.50%

* Arbor Financial Credit Union支票计划的年度百分比收益率(APY)按每日余额法计算. Dividends are compounded and paid monthly. Dividend rate and APY are variable and may change at any time. APY shown is accurate as of April 1, 2024.

** Balances of $2,500 or more earn a dividend. You must maintain a minimum daily balance of $2,500 in your account to avoid a monthly maintenance fee. Fees may reduce earnings on the account.

+借记卡购买必须在日历月内张贴到您的帐户. ATM transactions do not apply. To earn interest, 您必须符合以下要求:直接存入500美元或以上, at least 10 debit card swipes during the month, and be enrolled in eStatements. Interest is not paid on balances over $15,000. One Momentum Checking account per member.

***从Arbor Financial Credit Union的支票计划中赚取的年度百分比收益率(APY)按每日余额法计算. Dividends are compounded and paid monthly. 股息率和年利率是可变的，可能随时发生变化. Fees may reduce earnings on the account. APY shown is accurate as of April 1, 2024. Interest earned on daily balances of $250,000 or more. If the balance is below $250,000, you will earn 0.01%.

Money Market Rates

Name	Minimum Balance	APY*
Golden Money Market	$500.00 or more	0.05%
Maximum Money Market	$500 - $49,999.99	0.05%
Maximum Money Market	$50,000.00 - $99,999.99	0.15%
Maximum Money Market	$100,000.00 - $199,999.99	0.20%
Maximum Money Market	$200,000.00 - 299,999.99	0.35%
Maximum Money Market	$300,000.00 - 399,999.99	1.00%
Maximum Money Market	$400,000.00 - 499,999.99	2.00%
Maximum Money Market	$500,000.00 and above	3.00%

* Arbor Financial Credit Union货币市场账户的年度百分比收益率(APY)按日余额法计算. Dividends are compounded and paid quarterly. Dividend rate and APY are variable and may change at any time. APY shown is accurate as of April 1, 2024. 通过预先授权的方式，交易仅限于六次提款或转账, automatic, or telephone transfer, or by check, draft, or debit card from your account each calendar month.

Certificate Rates

Deposit	$500 - $29,999.99	$30,000 - $69.999.99	$70,000 - $124,999.99	$125,000+
Term	APY*	APY*	APY*	APY*
6 Month	1.00%	1.25%	1.50%	1.75%
12 Month	1.15%	1.40%	1.65%	1.90%
24 Month	1.25%	1.50%	1.75%	2.00%
36 Month	1.40%	1.65%	1.90%	2.15%
48 Month	1.50%	1.75%	2.00%	2.50%
60 Month	1.65%	1.95%	2.15%	2.65%
84 Month	Call For Rates
120 Month	Call For Rates

*证明书所赚取的年度百分比收益率(APYs)按实际每日余额法计算，并按月支付和复利. Minimum balance of $500 is required. Early withdrawal penalties apply and will reduce earnings. Rates and offers subject to change at any time without notice. APY shown is accurate as of March 1, 2024. Insured by NCUA. Membership required.

Traditional, Roth, & IRA Rates

Deposit	$500 - $29,999.99	$30,000 - $69.999.99	$70,000 - $124,999.99	$125,000+
Term	APY*	APY*	APY*	APY*
6 Month Certificate	1.00%	1.25%	1.50%	1.75%
12 Month Certificate	1.15%	1.40%	1.65%	1.90%
24 Month Certificate	1.25%	1.50%	1.75%	2.00%
36 Month Certificate	1.40%	1.65%	1.90%	2.15%
48 Month Certificate	1.50%	1.75%	2.00%	2.50%
60 Month Certificate	1.65%	1.95%	2.15%	2.65%
84 Month Certificate	Call For Rates
120 Month Certificate	Call For Rates

Savings Rates

Name	Minimum Balance	APY*
Primary Savings**	$5	0.05%
Volt Banking Savings Account***	$5 - $1,000	3.00%
Volt Banking Savings Account***	$1,000.01 or more	0.05%
Explorer's Club Savings***	$5	0.05%
IRA Savings Account	up to $24,999.99	0.30%
IRA Savings Account	$25,000 - $99,999.99	0.40%
IRA Savings Account	$100,000 or more	0.60%
Special Savings	$5	0.05%
Premier Savings¹	$0-14.999.99	1.50%
Premier Savings¹	$15,000 or more	3.00%

** Balances of $100.00 or more earn a dividend. A minimum balance of $5.00 is required to maintain membership. Fees may reduce the earnings on the account.

*** A minimum balance of $5.00 is required to maintain membership. View Fee Schedule.

Checking Rates

Name	Minimum Balance	APY*
Momentum Checking+	10-19 Debit Card Purchases $0 - $15,000	0.75%
Momentum Checking+	20+ Debit Card Purchases $0 - $15,000	4.00%
Free Checking	$0	N/A
Premier Checking**	$2,500 - $24,999.99	0.05%
Premier Checking**	$25,000 - $99,999.99	0.10%
Premier Checking**	$100,000 or more	0.20%
Select Checking***	$0- $249,999.99	0.01%
Select Checking***	$250,000 or more	3.50%

** Balances of $2,500 or more earn a dividend. You must maintain a minimum daily balance of $2,500 in your account to avoid a monthly maintenance fee. Fees may reduce earnings on the account.

Money Market Rates

Name	Minimum Balance	APY*
Golden Money Market	$500.00 or more	0.05%
Maximum Money Market	$500 - $49,999.99	0.05%
Maximum Money Market	$50,000.00 - $99,999.99	0.15%
Maximum Money Market	$100,000.00 - $199,999.99	0.20%
Maximum Money Market	$200,000.00 - 299,999.99	0.35%
Maximum Money Market	$300,000.00 - 399,999.99	1.00%
Maximum Money Market	$400,000.00 - 499,999.99	2.00%
Maximum Money Market	$500,000.00 and above	3.00%

Certificate Rates

Deposit	$500 - $29,999.99	$30,000 - $69.999.99	$70,000 - $124,999.99	$125,000+
Term	APY*	APY*	APY*	APY*
6 Month	1.00%	1.25%	1.50%	1.75%
12 Month	1.15%	1.40%	1.65%	1.90%
24 Month	1.25%	1.50%	1.75%	2.00%
36 Month	1.40%	1.65%	1.90%	2.15%
48 Month	1.50%	1.75%	2.00%	2.50%
60 Month	1.65%	1.95%	2.15%	2.65%
84 Month	Call For Rates
120 Month	Call For Rates

Traditional, Roth, & IRA Rates

Deposit	$500 - $29,999.99	$30,000 - $69.999.99	$70,000 - $124,999.99	$125,000+
Term	APY*	APY*	APY*	APY*
6 Month Certificate	1.00%	1.25%	1.50%	1.75%
12 Month Certificate	1.15%	1.40%	1.65%	1.90%
24 Month Certificate	1.25%	1.50%	1.75%	2.00%
36 Month Certificate	1.40%	1.65%	1.90%	2.15%
48 Month Certificate	1.50%	1.75%	2.00%	2.50%
60 Month Certificate	1.65%	1.95%	2.15%	2.65%
84 Month Certificate	Call For Rates
120 Month Certificate	Call For Rates

Build up your savings, save on your loans.

Loan Rates

Auto Loans

Motorcycle Loans

RV, Boat, ATV, & Other Loans

Fixed-Rate Mortgages

No Money Down & No PMI Mortgages

Fixed-Rate Mortgages

Adjustable-Rate Mortgages

3% Down Mortgages

Jumbo Mortgages

Physician Mortgages

Construction, Vacant Land, FHA, VA, Rural Development Loans

Fixed Home Equity Loan

Home Equity Line of Credit

FlexLOC

Personal Loans

Credit Cards

Auto Loans

Motorcycle Loans

RV, Boat, ATV, & Other Loans

Fixed-Rate Mortgages

No Money Down & No PMI Mortgages

Fixed-Rate Mortgages

Adjustable-Rate Mortgages

3% Down Mortgages

Jumbo Mortgages

Physician Mortgages

Construction, Vacant Land, FHA, VA, Rural Development Loans

Fixed Home Equity Loan

Home Equity Line of Credit

FlexLOC

Personal Loans

Credit Cards

Deposit Rates

Savings Rates

Checking Rates

Money Market Rates

Certificate Rates

Traditional, Roth, & IRA Rates

Savings Rates

Checking Rates

Money Market Rates

Certificate Rates

Traditional, Roth, & IRA Rates

Apply for a Loan

Member Discounts

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