Routing #272481004

Become a Member
Couple sitting on edge of the trunk of their car

Loan Rates

Auto Loan Rates

* Rates Accurate As of August 3, 2020

2019 and Newer Autos

RATES AS LOW AS TERMS
2.79% APR* 36 Months
2.79% APR* 48 Months
3.09% APR* 60 Months
3.29% APR* 72 Months
3.99% APR* 78 Months

*APR = annual percentage rate. Payment per $1,000 borrowed at 2.79% APR is $28.99/ 36 month term. Rate based on term and credit worthiness. Must qualify for membership. Contact the loan department for details. 

 

2016 and Newer Autos

RATES AS LOW AS TERMS
2.79% APR* 36 Months
2.79% APR* 48 Months
3.09% APR* 60 Months
3.29% APR* 72 Months

*APR = annual percentage rate. Payment per $1,000 borrowed at 2.79% APR is $28.99/ 36 month term. Rate based on term and credit worthiness. Must qualify for membership. Contact the loan department for details. 

 

Used Autos

YEAR RATES AS LOW AS TERMS
2014 - 2015 3.59% APR* Up to 60 Months
2012 - 2013 3.59% APR* Up to 48 Months
2011 & Older 5.29% APR* Up to 36 Months

*APR = annual percentage rate. Payment per $1,000 borrowed at 3.30% APR is $18.10/ 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.

 

RV Loan Rates

* Rates Accurate As of August 3, 2020

Motorcycles & Side By Sides

RATES AS LOW AS TERMS
3.30% APR* 60 Months
4.39% APR* 61 - 84 Months

*APR = annual percentage rate. Payment per $1,000 borrowed at 3.30% APR is $18.10/ 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
3.30% APR* 60 Months
4.39% APR* 61 - 84 Months
4.39% APR* 85 - 120 Months
4.39% APR* 121 - 180 Months

*APR = annual percentage rate. Payment per $1,000 borrowed at 3.30% APR is $18.10/ 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 August 3, 2020

Unsecured Loans

RATES AS LOW AS TERMS
7.50% APR* 12 - 60 Months

*APR = annual percentage rate. Payment per $1,000 borrowed at 7.50% APR is $86.76/ 12 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.

 

Unsecured Loans

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 August 3, 2020

PROGRAM RATES AS LOW AS APPLICATION
Better Rate 7.50% APR* Apply Now
Better Reward 8.50% APR* Apply Now

*Rates as low as 7.5% 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 8.5% APR (Annual Percentage Rate). Rate 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 August 3, 2020

RATE TERMS
15.0% APR* Open-Ended

*APR = annual percentage rate.  Must qualify for membership. Contact the loan department for details.

 

Home Equity Loan Rates

* Rates Accurate As of August 3, 2020

RATES AS LOW AS TERMS
4.00% APR* 60 Months
4.50% APR* 120 Months

*APR = annual percentage rate. Payment per $1,000 borrowed at 4.00% APR is $18.42/ 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 $100 application fee and may include an appraisal fee up to $515. 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.

 

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