Checking Account Rates
E-Checking Rates Dividend Rate APY*
E-Checking .00% .00%

 


 

Checking Rates Dividend Rate APY*
Regular Tier 1
$0 - $2,499.99
.00% .00%
Regular Tier 2
$2,500 - $9,999.99
.05% .05%
Regular Tier 3
$10,000 & Above
.10% .10%


Dividends paid only on funds within specified range.

*APY = Annual Percentage Yield
Rates are accurate as of  April 2, 2014. Rates are subject to change without notice.
Minimum daily balance of $2,500 required to earn dividends on Regular Checking.
Dividends paid on balance above $2,500 only on funds in spefified range. Fees could reduce earnings. 

Call 517.622.6600 for more information.

Credit Card Rates & Fees
APR*
Visa Classic 16.40%
Visa Gold 14.50%
Visa Platinum Rewards 12.90%

Call 517.622.6600 for more information

* APR = Annual Percentage Rate.  All credit cards offer a 25 day grace period.  Visa Classic credit card has a $12 annual fee. Other rates and fees apply. Click here for complete Credit Card Rates & Fees.

Home Equity Loan & Home Improvement Rates
Home Equity Loan (fixed rate) as low as 4.30%*
Home Equity Line of Credit as low as 5.00%*
Home Improvement Loan as low as 9.00%*
Michigan Saves
as low as 7.00%*

Rates may vary based on credit history and LAFCU's underwriting guidelines. Rates accurate as of April 2, 2014. Rates and terms are subject to change without notice. Some restrictions may apply. Property insurance is required. Home Equity Line of Credit maximum is 18%. $149 application fee for the Mortgage Retirement Loan.

* APR = Annual Percentage Rate

Call 517.622.6600 for more information

IRA & HSA Money Market Rates


Rate APY*
$0 - 4,999.99
.20% .20%
$5,000 - $19,999.99
.25% .25%
$20,000 - $99,999.99
.30% .30%
$100,000 & Above
.30% .30%

*APY = Annual Percentage Yield.  Rate accurate as of April 2, 2014.  Rates are subject to change without notice.  You are solely responsible for complying with any requirements including transaction limitations and penalties for early withdrawal under the Internal Revenue Code or other applicable Federal or State law governing any IRA or other Credit Union accounts. Dividend Rate and Annual Percentage Yield on IRA Money Market accounts are on entire balance when funds are within specified range.


Call 517.622.6600 for more information

Jumbo Term Share, IRA & HSA Certificates


*APY = Annual Percentage Yield.  Rate accurate as of April 2, 2014.  Rates are subject to change without notice.  You are solely responsible for complying with any requirements including transaction limitations and penalties for early withdrawal under the Internal Revenue Code or other applicable Federal or State law governing any IRA or other Credit Union accounts. Dividend Rate and Annual Percentage Yield on IRA Money Market accounts are on entire balance when funds are within specified range. Jumbo Term Share Certificates require a minimum balance of $10,000 to open. Penalties for early withdrawal will apply.

Call 517.622.6600 for more information

Term Rate APY
12 month 0.50% 0.50%
24 month 0.70% 0.70%
36 month 1.10% 1.10%
48 month 1.30% 1.30%
60 month 1.59% 1.60%
Money Market Rates

Dividend
Rate
APY*
$2,500 - 19,999.99 .20% .20%
$20,000 - $99,999.99 .25% .25%
$100,000 - $149,999.99 .30% .30%
$150,000 & Above .30% .30%

*APY = Annual Percentage Yield.  Rate accurate as of April 2, 2014.  Rates are subject to change without notice.  You are solely responsible for complying with any requirements including transaction limitations and penalties for early withdrawal under the Internal Revenue Code or other applicable Federal or State law governing any IRA or other Credit Union accounts. Dividend Rate and Annual Percentage Yield on IRA Money Market accounts are on entire balance when funds are within specified range. Minimum daily balance of $2,500 required to earn dividend on Money Market. Fees could reduce earnings.


Call 517.622.6600 for more information

Mortgages
Mortgage Retirement Loan (10 year fixed rate)              as low as 3.99% APR*
Rates may vary based on credit history and LAFCU's underwriting guidelines. Rates accurate as of April 2, 2014. Rates and terms are subject to change without notice. Some restrictions may apply. Property insurance is required. Home Equity Line of Credit maximum is 18%. $149 application fee for the Mortgage Retirement Loan.
* APR = Annual Percentage Rate
Mortgages
AffiliateLogo_MFM_BigTogether with Member First Mortgage we are able to offer you a wide variety of mortgage loans and fast, friendly service. We can help make your home buying dream a reality! Call 517.622.6600 for more information
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Savings Rates
Savings Rates
Dividend Rate
APY*
Savings ($100- $4,999.99) .05%
.05%
Savings ($5000 - $19,999.99) .10% .10%
Savings ($20,000 - $99,999.99) .15% .15%
Savings ($100,000 & Above) .20% .20%
Youth Savings ($5 - $4,999.99) .05% .05%
Youth Savings ($5000-$19,999.99) .10% .10%
Youth Savings ($20,000-$99,999.99) .15% .15%
Youth Savings ($100,000 & Above) .20% .20%
Holiday Club .05% .05%
Bill Pay Plus .05% .05%
Loan Transfer .05% .05%
Special Purpose .05% .05%

Dividend Rate and Annual Percentage Yield on these accounts are on entire balance when funds are within specified range. Minimum daily balance of $100 required to earn dividends on Savings. Minimum daily balance of $5 to earn dividends on Youth Savings. Fees could reduce earnings. *APY = Annual Percentage Yield. Rates are accurate as of April 2, 2014. Rates are subject to change without notice.

Call 517.622.6600 for more information.

Term Share, IRA & HSA, & Youth Certificates
Youth Certificates
Term Rate APY*
12 month 0.45% 0.45%

*A minimum of $50 is required when opening a Youth Certificate.


Regular Term Share, IRA, & HSA Certificates
Term Rate APY*
3 month 0.20% 0.20%
6 month 0.30% 0.30%
12 month 0.45% 0.45%
24 month 0.65% 0.65%
36 month 1.00% 1.00%
48 month 1.20% 1.20%
60 month 1.49% 1.50%

*APY = Annual Percentage Yield.  Rate accurate as of April 2, 2014.  Rates are subject to change without notice.  You are solely responsible for complying with any requirements including transaction limitations and penalties for early withdrawal under the Internal Revenue Code or other applicable Federal or State law governing any IRA or other Credit Union accounts. Dividend Rate and Annual Percentage Yield on IRA Money Market accounts are on entire balance when funds are within specified range. Regular Term Share Certificates require a minimum balance of $500 to open. Penalties for early withdrawal will apply.

  Call 517.622.6600 for more information

Vehicle & RV Loan Rates
New Vehicle Loans*
As low as 2.24% APR

Used Vehicle Loans*
As low as 2.24% APR

Motorcycles (500 cc and up)*
As low as 2.24% APR


Recreational Vehicles*
(includes lawn tractors, dirt bikes, snowmobiles, jet ski's and small RV's)
As low as 6.00% APR
$30,000+ (balloon) as low as 5.50% APR

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*Rates accurate as of April 2, 2014. Rates are subject to change without notice. Rate determined by credit history, terms, and security. Vehicle insurance is required. New purchases or refinances from other financial institutions only. Some restrictions may apply. APR = Annual Percentage Rate
Fee Schedule
Get newest Fee Schedule here (PDF) >>