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Routing #272481004

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Loan Rates

Auto Loan Rates

* Rates Accurate As of July 17, 2024

2021 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 2021 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 2022 and Newer Automobiles.

Used Autos

YEAR RATES AS LOW AS TERMS
2019 - 2020 7.74% APR* Up to 60 Months
2017 - 2018 7.74% APR* Up to 60 Months
2015 - 2016 7.99% APR* Up to 48 Months
2014 & 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 July 17, 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 July 17, 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 July 17, 2024

PROGRAM RATES AS LOW AS APPLICATION
Better Rate 11.00% APR* Apply Now
Better Reward 12.00% APR* Apply Now

*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 July 17, 2024

RATE TERMS
15.0% APR* Open-Ended

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

 

Home Equity Loans

* Rates Accurate As of July 17, 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 $200 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.

 

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