Loan Rates - Effective Tuesday, November 19, 2019
Loan TypeRates as low asTerms/Information
New Vehicle Loan3.490%Great Rates on New Cars
2017 Auto3.750%Enjoy hometown service with a great rate on a year old auto
2016 Auto5.750%Great Rates on Used Cars
2015 Auto6.250%Great Rates on Used Cars
2014 Auto6.500%Great Rates on Used Cars
2013 Auto7.000%Great Rates on Used Cars
2012 Auto and Older7.000%Get an older car, a great rate, and a hometown smile
Home Equity Loan6.500%Tap into your house's equity and save money
Personal / Consolidation Loans9.750%Because we know sometimes you just need money
Recreational5.250%Boats, snowmobiles, 4 wheelers, and motorcycles
Home Equity Line of Credit6.000%A great way to tap into your house's equity when you need it
Open Line of Credit9.750%Get a line of credit and save on reapplying for your loan
Equipment5.750%Get an equipment loan to help your business grow

For current long term mortgage rates, please call:

Lakeview Branch: (989) 352-6031

Howard City Branch: (231) 937-9400

Trufant Branch (616) 984-9700

Morley Branch: (231) 307-6164


Certificate Rates - Effective Tuesday, November 19, 2019
Certificate TermAPYMinimum Deposit
3 MO CD0.240%$100.00
6 MO CD0.740%$100.00
12 MONTH CD1.500%$100.00
18 MONTH CD1.750%$100.00
24 MONTH CD2.000%$100.00
36 MONTH CD2.250%$100.00



Savings Rates - Effective Monday, June 30, 2014
REGULAR SHARES0.050%$0.00$10.00
REGULAR SHARES0.050%$0.00$2,500.01
REGULAR SHARES0.100%$0.00$10,000.01
REGULAR SHARES0.100%$0.00$25,000.01
CHRISTMAS CLUB0.100%$0.00$0.00
VACATION CLUB0.100%$0.00$0.00
MONEY MARKET DRAFT0.100%$0.00$2,500.00
MONEY MARKET DRAFT0.150%$0.00$10,000.00
MONEY MARKET DRAFT0.200%$0.00$25,000.00