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Cookies on Dark Background Holiday Loan Banner

Oh Snap!

Our holiday loan is back, and with a new competitive rate. Get a taste of the irresistible rates we have preheating this season!

Blue background with diagonal green lines - Merge Announcement

Merger Announcement

We are excited to announce our upcoming merger with Western Districts Members Credit Union.

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Two Credit Card Options

Take control of your money by switching to one of our two credit cards. Save money with low rates and earn cashback.

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Learn How with our Tutorials

Looking for additional knowledge on our mobile app and online banking?

Debit Card Round Up

A little change can go a long way

What goals can you achieve by rounding up your transactions in your savings account?

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Stay connected to your account with our e-Services.

New & Used Auto Loans

as low as

2.79% APR*

Recreational Vehicles

as low as

3.30% APR*

Unsecured Loans

as low as

7.50% APR*

Credit Cards

as low as

7.50% APR*

* Rates Accurate As of November 28, 2021

Holiday Closings

Thursday, November 25, 2021
Friday, November 26, 2021 (Closed at 1pm)

Community Events

Veterans Day Parade
Thursday, Nov. 11, 2021
Big Rapids, MI

Evergreen Festival Craft Show
November 26-27, 2021
Reed City, MI
Parade on Saturday, Nov. 27

Victorian Sleighbell Parade
December 2-5, 2021
Manistee, MI

Find more information on Facebook or by contacting the organization listed above.

Sit Back, Relax,, and Skip-a-Pay

Sit Back, Relax, and Skip-A-Pay

Imagine all you could do with the money you save from our December Skip-A-Pay! It is a $25.00 payment per skipped loan. Make sure you take time this holiday season to sit back, relax, and Skip-A-Pay!

Skip-A-Pay Details »


How much our members have saved in 2021 by refinancing their loans with us!

We saved our members over $3 Million in 2020 by refinancing.

Credit Loans | The Vault

Working together as the most trusted resource to help our members' financial lives be simply better.