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Michigan One Community Credit Union Current Rates

*Qualify for Super
Saver Discount
**Qualify for  
Easy Pay Rate
By using a M1 Net Check Direct
Deposit of at least $800/month 
and  Automatic Loan Payment;
or Net Check Direct Deposit of at least $800.00/month
 and use i.Teller to transfer the Loan Payment;
or had a previous M1 loan
and will use Automatic Loan Payment;
or *Active M1 Checking Account and Automatic Loan Payment.


 By using Automatic Loan Payment
with E.Statement,
or Automatic Loan Payment
with M1 Credit Card.

 

*Active Checking means 10 transactions within the last month.  


 

Ask About Our
90 Day
 1st Payment Delay
Refy Special
Is your vehicle or RV
 financed somewhere else?
Add only $90.00! Refinance with M1ccu at
2.99% (APR)
*Restrictions apply. Requires SuperSaver Qualifications.
Up to 99 Months.
Minimum Payment $199.
Effective 11/03/16
 

Vehicle Rates

Vehicles & Type A RV's
Effective Date: 09/08/17
Cars, vans, trucks, conversion vans, motorcycles, motor homes, boats, fifth wheels, travel trailers, utility vehicles/equipment, enclosed trailers with living quarters (mobile/manufactured homes add 2.0% to all rates).(Add 4.00% to waive insurance.)
TermRegular Rate*Super Saver Discount Rate**Easy Pay Rate
Up to 66 months 7.99% 2.99% (2.49% on New Cars, Vans, & Trucks) 4.99%
75 months 8.24% 3.99% 5.99%
84 months 8.49% 5.24% 6.49%
120 months 8.49 %(no balloon) 5.24 %(no balloon) 7.49%(no ballon)
120 months 6.99 %(5 year balloon) 4.74%(5 year balloon) 5.74%(5 year balloon)
180 months 8.99 %(no balloon) 5.74 %(no balloon) 7.99%(no balloon)
180 months 7.99 %(5 year balloon) 5.24 %(5 year balloon) 6.74%(5 year balloon)
All Model years
* See above for Super Saver Discount Rate Qualifications
**See above for Easy Pay Rate Qualifications

Type B RV's
Effective Date: 03/27/17
Includes: UTV's and/or ATV's, truck campers, tent campers, certain heavy duty trailers, snowmobiles, lawn tractors, off-road motorcycles, personal watercraft, enclosed trailers without living quarters (On purchases, lower rate .5% with 10% down or 1% with 20% down! Cash and/or trade on out-the-door price). (Add 4.00%, or use the unsecured rate if it is less, if M1ccu waives the requirement to carry full coverage physical damage insurance.)
TermRegular Rate*Super Saver Discount Rate**Easy Pay Rate
Up to 60 months 8.49% 5.24% 7.24%
72 months 9.49% 6.24% 8.24%
All Model years
* See above for Super Saver Discount Rate Qulifications
**See above for Easy Pay Rate Qualifications

Other Loans

Other Loans
Effective Date: 09/08/17
NameRegular Rate*Super Saver Discount Rate
Personal Loans
($5,000 or less, up to 60 months)
10.99% 9.24%
Personal Loans
(Over $5,000, up to 60 months)
9.99% 8.24%
*See above for Super Saver Discount Rate Qualifications
CASHLINE 13.00% 13.00%
VISA 12.90% 12.90%

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Share Secured

Share Secured
Effective Date: 09/08/17
TermRegular Rate*Super Saver Discount Rate
up to 60 months 5.99% 3.99%
*See above for Super Saver Discount Rate Qualifications

Home Loans

Vacant Land
Effective Date: 02/11/11
25% down purchase money, 25% equity on refinance
TermRate
180 Months, 5 year balloon 5.49%
180 months, 7 year balloon 6.49%
Quotes for other rates & terms available. Please contact an M1 Loan Officer.

2-Step Construction Loans
Effective Date: 02/11/11
25% down purchase money, 25% equity on refinance
Built By:Rate
Owner Built 6.99%
Contractor Built 5.49%
Quotes for other rates & terms available. Please contact an M1 Loan Officer.

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HomeLine

A Home Equity Loan from us is the convenient way to tap into the savings you have worked so hard to build. Our Home equity Loans give qualified members affordable financing to get those improvements done. If you need financing to get your home into shape, or for any other qualified expense, our Home Equity Loan is for you!

Best Rate: 1.919%*
*restrictions apply

Variable Lines of Credit • Friendly Terms Available • Possible Tax Advantages
(consult your tax advisor)

HomeFix

Get your HomeFix!
Lock into a super-low fixed-rate with really easy payments!

Best Rate: 3.74%*
*restrictions apply*

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Savings

Savings (Including Secondary & Xmas Club)
Effective Date: 08/21/17
BalanceDividend Rate (as APR)Annual Percentage YieldMinimum Opening BalanceMin. Balance to Earn DividendMinimum Balance
$100 - $9,999 0.10% 0.10% $5.00 $100.00 $5
$10,000 & over 0.25% 0.25% $5.00 $100.00 $5

BestChecking
Effective Date: 08/21/17
BalanceDividend Rate (as APR)Annual Percentage YieldMinimum Opening BalanceMin. Balance to Earn DividendMinimum Balance
$500 - $9,999 0.10% 0.10% $50.00 $500.00 $0
$10,000 & over 0.25% 0.25% $50.00 $500.00 $0

IRA Savings
Effective Date: 08/21/17
BalanceDividend Rate (as APR)Annual Percentage YieldMinimum Opening BalanceMin. Balance to Earn DividendMinimum Balance
$100 - $24,999 0.40% 0.40% $5.00 $100.00 $5
$25,000 & over 0.50% 0.50% $5.00 $100.00 $5

Money Market Manager

MoneyMarketManager
Effective Date: 08/21/17
BalanceDividend Rate (as APR)Annual Percentage YieldMinimum Opening BalanceMin. Balance to Earn DividendMinimum Balance
$1,000 - $9,999 0.10% 0.10% $1,000.00 $1,000.00 $1,000
$10,000 - $24,999 0.25% 0.25% $1,000.00 $1,000.00 $1,000
$25,000 - $49,999 0.50% 0.50% $1,000.00 $1,000.00 $1,000
$50,000 - $99,999 0.60% 0.60% $1,000.00 $1,000.00 $1,000
$100,000 & over 0.70% 0.70% $1,000.00 $1,000.00 $1,000

Certificate of Deposit and IRA Certificate of Deposit

Special Certificate of Deposit
Effective Date: 08/21/17
Minimum Balance $10,000
Length of MaturityDividend Rate (as APR)Annual Percentage Yield
12 months 1.20% 1.21%
24 months 1.60% 1.61%
48 months 2.00% 2.02%

Certificate of Deposit and IRA Certificate of Deposit
Effective Date: 08/21/17
Length of MaturityDividend Rate (as APR)Annual Percentage Yield
6 months 0.10% 0.10%
12 months 0.70% 0.70%
18 months 0.80% 0.80%
24 months 1.10% 1.10%
30 months 1.20% 1.21%
36 months 1.60% 1.61%
48 months 1.70% 1.71%
60 months 2.20% 2.22%

The dividend rates and annual percentage yields were current as of the effective date above. Please call for current yields. Dividends are paid on your daily balance and the dividend period is monthly. Additional information can be found in our Truth in Savings account disclosure and Fee Schedule.

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*All Rates Quoted as APR (Annual Percentage Rate)*

Equal Housing Lender National Credit Union Administration