All Rates
Savings Rates
* Rates Accurate As of October 6, 2024
ACCOUNT TYPE | APY* | MINIMUM BALANCE |
---|---|---|
Share Savings | 0.20% | $5.00 |
Midas Savings | 0.30% | $2,500.00 |
Money Market | 0.20% - 0.40% | $1.00 |
Nest Egg Savings | 0.20% | $1.00 |
Christmas Club | 0.20% | $1.00 |
*Note: Fees could reduce earnings on the account. Minimum balance to earn dividends.
*APY is Annual Percentage Yield.
Certificates of Deposit
* Rates Accurate As of October 6, 2024
CD TERM | MINIMUM AMOUNT | APY* |
---|---|---|
3 Month CD | $500.00 | 0.55% |
6 Month CD | $500.00 | 1.82% |
12 Month CD | $500.00 | 2.02% |
18 Month CD | $500.00 | 2.32% |
24 Month CD | $500.00 | 2.52% |
36 Month CD | $500.00 | 2.02% |
48 Month CD | $500.00 | 1.16% |
60 Month CD | $500.00 | 1.31% |
Disclaimer: Penalty for early withdrawal.
*APY is Annual Percentage Yield.
IRA Certificates of Deposit
* Rates Accurate As of October 6, 2024
TERM | MINIMUM AMOUNT | APY* |
---|---|---|
12 Month Roth IRA CD | $500.00 | 2.02% |
24 Month Roth IRA CD | $500.00 | 2.53% |
36 Month Roth IRA CD | $500.00 | 2.02% |
48 Month Roth IRA CD | $500.00 | 1.16% |
60 Month Roth IRA CD | $500.00 | 1.31% |
12 Month Traditional IRA CD | $500.00 | 2.02% |
18 Month Traditional IRA CD | $500.00 | 2.32% |
24 Month Traditional IRA CD | $500.00 | 2.53% |
36 Month Traditional IRA CD | $500.00 | 2.02% |
48 Month Traditional IRA CD | $500.00 | 1.16% |
60 Month Traditional IRA CD | $500.00 | 1.31% |
12 Month Education IRA CD | $500.00 | 2.02% |
36 Month Education IRA CD | $500.00 | 2.02% |
Disclaimer: Penalty for early withdrawal.
*APY is Annual Percentage Yield.
Loan Rates
Auto Loans
* Rates Accurate As of October 6, 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 Loans
* Rates Accurate As of October 6, 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 Loans
* Rates Accurate As of October 6, 2024
Unsecured Loan
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 Accurate As of October 6, 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 Loans
* Rates Accurate As of October 6, 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 October 6, 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.
Working together as the most trusted resource to help our members' financial lives be simply better.