Michigan One Community Credit Union Current Rates
Featured Rates
Effective Date: Wednesday, October 29th, 2025
| Name | APR as low as* | Term |
|---|---|---|
| Vehicle Purchase | 5.49% | Up to 66 Months |
| Vehicle Refinance Special | 4.94% | Up to 66 Months |
| Boats, RVs, Motorcycles | 5.99% | Up to 75 Months |
| HomeLine (HELOC) | 5.29% | Fixed Rate Until 1/1/2028 |
Vehicle Loans
Effective Date: Wednesday, October 29th, 2025
| Description | APR as low as* |
|---|---|
| Vehicles | 5.49% |
| Boats, RVs, Motorcycles | 5.99% |
| ATVs, UTVs, Snowmobiles | 8.49% |
| *Your rate may be higher depending on your credit history, loan purpose, amount, and/or term. *Rates and loan terms are based on creditworthiness. *Rates subject to change without notice. *Some restrictions may apply | |
Other Loans
Effective Date: Wednesday, October 29th, 2025
| Name | APR as low as* |
|---|---|
| Share Secured | +2% of Dividend Rate |
| Personal Loans ($5,000 or less, up to 60 months) |
13.75% |
| CashLine | 13.00% |
| Credit Card | 12.90% |
| *Your rate may be higher depending on your credit history, loan purpose, amount, and/or term. *Rates and loan terms are based on creditworthiness. *Rates subject to change without notice. *Some restrictions may apply | |
Mortgage Loans
Effective Date: Wednesday, October 29th, 2025
| Description |
|---|
| Click here for Today's Mortgage Rates |
| *Your rate may be higher depending on your credit history, loan purpose, amount, and/or term. *Rates and loan terms are based on creditworthiness. *Rates subject to change without notice. *Some restrictions may apply |
Home Loans
Effective Date: Wednesday, October 29th, 2025
| Name | APR as low as* | Term |
|---|---|---|
| HomeLine Special | 5.29% | Fixed Rate Until 1/1/2028 |
| HomeLine | 7.74% | Flexible |
| HomeFix | 6.00% | Fixed |
| *Your rate may be higher depending on your credit history, loan purpose, amount, and/or term. *Rates and loan terms are based on creditworthiness. *Rates subject to change without notice. *Some restrictions may apply | ||
Deposit Rates
All Shares
Effective Date: Wednesday, October 29th, 2025
| Interest Rate Tiers | Dividend Rate (as APR) | Annual Percentage Yield | Minimum Opening Balance |
|---|---|---|---|
| $100-$49,999 | 0.01% | 0.01% | $5 |
| $50,000 & over | 0.05% | 0.05% | $5 |
IRA Savings
Effective Date: Wednesday, October 29th, 2025
| Interest Rate Tiers | Dividend Rate (as APR) | Annual Percentage Yield |
|---|---|---|
| $100 & over | 0.25% | 0.25% |
Checking Accounts
Effective Date: Wednesday, October 29th, 2025
| Interest Rate Tiers | Dividend Rate (as APR) | Annual Percentage Yield | Minimum Opening Balance | Minimum Balance to Avoid Fee |
|---|---|---|---|---|
| M1 Checking (Click for details) | ||||
| $1-$10,000* Restrictions apply | 2.96% | 3.00% | $50 | $0 |
| Business Checking (Click for details) | ||||
| $1,500-$50,000 | 0.05% | 0.05% | $50 | $0 |
| Business Interest (Click for details) | ||||
| $50,000+ | 0.10% | 0.10% | $50 | $1,500 |
| Your prospective dividend rate and annual percentage yield will equal the highest rate tier matching your daily balance and will be paid on the entire balance in your account. The dividend period is monthly. The dividend rate and annual percentage yield may change every month as determined by your board of directors. | ||||
Money Market Manager
Effective Date: Wednesday, October 29th, 2025
| Interest Rate Tiers | Dividend Rate (as APR) | Annual Percentage Yield | Minimum Balance to Avoid Fee |
|---|---|---|---|
| $1,000 - $24,999 | 1.25% | 1.25% | $1,000 |
| $25,000-$49,999 | 1.74% | 1.75% | $1,000 |
| $50,000 - $99,999 | 1.99% | 2.00% | $1,000 |
| $100,000 - $249,999 | 2.48% | 2.50% | $1,000 |
| $250,000 & over | 2.82% | 2.85% | $1,000 |
Certificate of Deposit and IRA Certificate of Deposit
Effective Date: Wednesday, October 29th, 2025
| Length of Maturity | Minimum Opening Balance | Dividend Rate (as APR) | Annual Percentage Yield |
|---|---|---|---|
| Minor CD Special | |||
| 60 months | $100 Min/$5000 Max | 5.00% | 5.12% |
| Regular CDs | |||
| 6 months | $500 | 3.64% | 3.70% |
| 12 months | $500 | 3.69% | 3.75% |
| 24 months | $500 | 3.79% | 3.85% |
| 36 months | $500 | 3.88% | 3.95% |
| 48 months | $500 | 3.88% | 3.95% |
| 60 months | $500 | 3.88% | 3.95% |
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. Fees may lower earnings, additional information can be found in our Truth in Savings account disclosure and Fee Schedule. | |||
*All Rates Quoted as APR (Annual Percentage Rate)*
