Michigan One Community Credit Union Current Rates
Vehicle Loans
Effective Date: Sunday, August 10th, 2025
| Description | APR as low as* |
|---|---|
| New Vehicles | 5.89% |
| Used Vehicles | 5.89% |
| Refinance Special | 4.94% |
| Boats, RV's, Motorcycles | 5.99% |
| ATV's, UTV's, Snowmobile's | 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: Sunday, August 10th, 2025
| Name | APR as low as* |
|---|---|
| Share Secured | 7.75% |
| Personal Loans ($5,000 or less, up to 60 months) |
13.75% |
| Cashline | 13.00% |
| MPower Credit Card | 9.90% |
| CURewards 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: Sunday, August 10th, 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: Sunday, August 10th, 2025
| Name | APR as low as* | Term |
|---|---|---|
| HomeLine Special | 5.99% | Fixed |
| HomeLine | 7.99% | Flexible |
| HomeFix | 6.00% | Flexible |
| *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: Sunday, August 10th, 2025
| Interest Rate Tiers | Dividend Rate (as APR) | Annual Percentage Yield | Minimum Opening Balance | Min. Balance to Earn Dividend | Minimum Balance to Avoid Fee |
|---|---|---|---|---|---|
| $100 - $49,999 | 0.01% | 0.01% | $5 | $1,257 | $0 |
| $50,000 & over | 0.05% | 0.05% | $5 | $1,257 | $0 |
IRA Savings
Effective Date: Sunday, August 10th, 2025
| Interest Rate Tiers | Dividend Rate (as APR) | Annual Percentage Yield | Minimum Opening Balance | Min. Balance to Earn Dividend | Minimum Balance to Avoid Fee |
|---|---|---|---|---|---|
| $100 & over | 0.25% | 0.25% | $5 | $100 | $0 |
Checking Accounts
Effective Date: Sunday, August 10th, 2025
| Interest Rate Tiers | Dividend Rate (as APR) | Annual Percentage Yield | Minimum Opening Balance | Min. Balance to Earn Dividend | Minimum Balance to Avoid Fee |
|---|---|---|---|---|---|
| M1 Checking | |||||
| $1 to $10,000 | 2.96% | 3.00% | $50 | N/A | $0 |
| Business Checking | |||||
| $1,500 to $50,000 | 0.05% | 0.05% | $50 | N/A | $0 |
| 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: Sunday, August 10th, 2025
| Interest Rate Tiers | Dividend Rate (as APR) | Annual Percentage Yield | Minimum Opening Balance | Min. Balance to Earn Dividend | Minimum Balance to Avoid Fee |
|---|---|---|---|---|---|
| $1,000 - $24,999 | 1.49% | 1.50% | $5 | $120 | $1,000 |
| $25,000-$49,999 | 2.08% | 2.10% | $5 | $120 | $1,000 |
| $50,000 - $99,999 | 2.48% | 2.50% | $5 | $120 | $1,000 |
| $100,000 - $249,999 | 2.82% | 2.85% | $5 | $120 | $1,000 |
| $250,000 & over | 3.01% | 3.05% | $5 | $120 | $1,000 |
Certificate of Deposit and IRA Certificate of Deposit
Effective Date: Sunday, August 10th, 2025
| Length of Maturity | Minimum Opening Balance | Dividend Rate (as APR) | Annual Percentage Yield | Min. Balance to Earn Dividend |
|---|---|---|---|---|
| CD Special | ||||
| 3 Months | $500 | 3.93% | 4.00% | $5 |
| Minor CD Special | ||||
| 60 months | $100 Min/$5000 Max | 5.00% | 5.12% | $5 |
| Regular CD's | ||||
| 6 months | $500 | 3.64% | 3.70% | $5 |
| 12 months | $500 | 3.69% | 3.75% | $5 |
| 24 months | $500 | 3.79% | 3.85% | $5 |
| 36 months | $500 | 3.88% | 3.95% | $5 |
| 48 months | $500 | 3.88% | 3.95% | $5 |
| 60 months | $500 | 3.88% | 3.95% | $5 |
*All Rates Quoted as APR (Annual Percentage Rate)*
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