Loan Rates
Auto Loan Rates
* Rates Accurate As of December 21, 2024
2023 and Newer Autos
| RATES AS LOW AS | TERMS |
|---|---|
| 6.49% APR* | 36 Months |
| 6.74% APR* | 48 Months |
| 7.24% APR* | 60 Months |
| 7.49% APR* | 72 Months |
| 8.24% APR* | 84 Months** |
*APR = Annual Percentage Rate. Rates as low as 6.49% APR on 2023 and newer automobiles with a term up to 36 months. Payment per $1,000 borrowed at 6.49% APR is $30.65 per 36-month term. Rate based on term and credit worthiness. Must qualify for membership. Contact the loan department for details.
**84 Month term is only available for 2024 and Newer Automobiles.
Used Autos
| YEAR | RATES AS LOW AS | TERMS |
|---|---|---|
| 2020 - 2022 | 7.74% APR* | Up to 60 Months |
| 2018 - 2019 | 7.74% APR* | Up to 60 Months |
| 2016 - 2017 | 7.99% APR* | Up to 48 Months |
| 2015 & Older | 8.74% APR* | Up to 36 Months |
*APR = annual percentage rate. Payment per $1,000 borrowed at 7.74% APR is $20.16/ 60 month term. Rate based on term and credit worthiness. Must qualify for membership. Contact the loan department for details.
RV Loan Rates
* Rates Accurate As of December 21, 2024
Motorcycles & Side By Sides
| RATES AS LOW AS | TERMS |
|---|---|
| 7.74% APR* | 60 Months |
| 7.99% APR* | 61 - 72 Months |
| 8.49% APR* | 73 - 84 Months |
*APR = annual percentage rate. Payment per $1,000 borrowed at 7.74% APR is $20.16/ 60 month term. Rate based on term and credit worthiness. Must qualify for membership. Contact the loan department for details. Minimum loan amount financed may apply.
Recreational Vehicles
| RATES AS LOW AS | TERMS |
|---|---|
| 7.74% APR* | 60 Months |
| 7.99% APR* | 61 - 84 Months |
| 8.24% APR* | 85 - 120 Months |
| 8.74% APR* | 121 - 144 Months |
| 9.24% APR* | 145 - 180 Months |
*APR = annual percentage rate. Payment per $1,000 borrowed at 7.74% APR is $20.16/ 60 month term. Rate based on term and credit worthiness. Must qualify for membership. Contact the loan department for details. Minimum loan amount financed may apply.
Personal Loan Rates
* Rates Accurate As of December 21, 2024
Unsecured Loans
| RATES AS LOW AS | TERMS |
|---|---|
| 11.25% APR* | 12 - 60 Months |
*APR = annual percentage rate. Payment per $1,000 borrowed at 11.25% APR is $21.88/ 60 month term. Rate based on term and credit worthiness. Must qualify for membership. Contact the loan department for details. Minimum loan amount financed may apply.
Revolving Line of Credit
| RATE | TERMS |
|---|---|
| 13.00% APR* | Open-Ended |
*APR = annual percentage rate. Must qualify for membership. Contact the loan department for details. Minimum loan amount financed may apply.
Credit Card Rates
* Rates Accurate As of December 21, 2024
*Rates as low as 11.00% APR (Annual Percentage Rate). Credit is subject to approval. Rate is subject to change and may vary based on creditworthiness. Must qualify for membership. **Rates as low as 12.00% APR (Annual Percentage Rate). Credit is subject to approval. Rate subject to change and may vary based on creditworthiness. Must qualify for membership. Participants can earn 1% (.01) cash reward up to $200 per month by using the West Michigan Credit Union Better Reward credit card to make purchases. Cash rewards will be calculated at the end of each billing cycle by multiplying your purchases by 1% (.01). Cash rewards will be credited to your credit card account within your next billing cycle and rounded to the nearest cent. Full terms and conditions will be sent with your Better Reward credit card. You, as the member, are responsible for reading the Better Reward Terms and Conditions. West Michigan Credit Union may amend the terms and conditions at any time without notice.
OPE Loan Rates
* Rates Accurate As of December 21, 2024
| RATE | TERMS |
|---|---|
| 15.0% APR* | Open-Ended |
*APR = annual percentage rate. Must qualify for membership. Contact the loan department for details.
Vacant Land Loans
* Rates Accurate As of December 21, 2024
| RATE | TERMS |
|---|---|
| 8.375% APR* | 180 Months |
*APR = annual percentage rate. Must qualify for membership. Contact the loan department for details.
Home Equity Loans
* Rates Accurate As of December 21, 2024
| RATES AS LOW AS | TERMS |
|---|---|
| 7.25% APR* | 60 Months |
| 7.75% APR* | 120 Months |
| 8.00% APR* | 180 Months |
*APR = annual percentage rate. Payment per $1,000 borrowed at 7.25% APR is $19.93/ 60 month term. Rate based on term and credit worthiness. Must qualify for membership. Contact the loan department for details. Member should consult a tax adviser for further information on tax deductibility.
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
NMLS# 409031
Closing costs include a $275 application fee and may include an appraisal fee up to $550. Fees may vary based on appraiser and geographic area. Max CLTV (combined loan to value) is 80% and may require appraisal. Limited to primary residence located in Michigan.
Other products:
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