| CONVENTIONAL FIXED †
| | |
| Conventional 30 Year Fixed | 5.875 / 6.029 APR | |
| Conventional 20 Year Fixed | 5.625 / 5.827 APR | |
| Conventional 15 Year Fixed | 5.250 / 5.504 APR | |
| Conventional 10 Year Fixed | 5.375 / 5.734 APR | |
†Assumptions and Disclosures
Important Rate Information:
This is not a quote. These rates are published weekdays near 10:00am EST.
Interest rates fluctuate throughout the day and may be different at the time you apply and will likely differ based on your specific scenario.
The information provided here is general and assumes only the following scenario:
Purpose of the loan: Purchase a property.
Property location: Battle Creek, MI 49015.
Property Type: Existing single family home.
Property Use: Primary Residence.
Estimated property value: $300,000.
Estimated down-payment: $120,000.
Loan amount: $180,000 (60% Loan to Value).
Credit Score: 780.
An Escrow (impound) account is required.
Rate lock period is 45 days.
Fees: $3,000 to estimate closing costs in order to approximate an APR.
Estimated Payments:
Conventional 30 Year Fixed $1065.00,
Conventional 20 Year Fixed $1251.00,
Conventional 15 Year Fixed $1447.00,
Conventional 10 Year Fixed $1942.00. Monthly payment reflects principal & interest only, it does not include taxes, insurance, Private Mortgage Insurance (PMI), or Mortgage Insurance Premium (MIP). For a quote with specifics to your scenario please click on rates which contain a link to a quoting or application tool.
| ARM †
| | |
| 10/1 30 Year ARM | 4.875 / 5.020 APR | |
| 5/1 30 Year ARM | 4.875 / 5.020 APR | |
†Assumptions and Disclosures
Important Rate Information:
This is not a quote. These rates are published weekdays near 10:00am EST.
Interest rates fluctuate throughout the day and may be different at the time you apply and will likely differ based on your specific scenario.
The information provided here is general and assumes only the following scenario:
Purpose of the loan: Purchase a property.
Property location: Battle Creek, MI 49015.
Property Type: Existing single family home.
Property Use: Primary Residence.
Loan amount: $180,000.
Credit Score: 780.
An Escrow (impound) account is required.
Rate lock period is 45 days.
Fees: $3,000 to estimate closing costs in order to approximate an APR.
Rates may vary & payment may increase after consummation. For a quote with specifics to your scenario please click on rates which contain a link to a quoting or application tool.
| FHA / VA †
| | |
| FHA 30 Year Fixed | 6.500 / 6.660 APR | |
| VA 30 Year Fixed | 6.500 / 6.660 APR | |
†Assumptions and Disclosures
Important Rate Information:
This is not a quote. These rates are published weekdays near 10:00am EST.
Interest rates fluctuate throughout the day and may be different at the time you apply and will likely differ based on your specific scenario.
The information provided here is general and assumes only the following scenario:
Purpose of the loan: Purchase a property.
Property location: Battle Creek, MI 49015.
Property Type: Existing single family home.
Property Use: Primary Residence.
Estimated property value: $185,000.
Estimated down-payment: $185,000.
Loan amount: $0 (0% Loan to Value).
Credit Score: 780.
An Escrow (impound) account is required.
Rate lock period is 45 days.
Fees: $3,000 to estimate closing costs in order to approximate an APR.
Estimated Payments:
FHA 30 Year Fixed $1148.00,
VA 30 Year Fixed $1128.00. Monthly payment reflects principal & interest only, it does not include taxes, insurance, Private Mortgage Insurance (PMI), or Mortgage Insurance Premium (MIP). For a quote with specifics to your scenario please click on rates which contain a link to a quoting or application tool.
| AUTO LOAN | |
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|
| 2019 and Newer (Various terms) | As low as 5.24% APR* | |
| 2016 to 2018 (Auto only) | As low as 6.74% APR | |
*5.24% available up to 36 months, other rates available up to 84 months.
| MOTORCYCLE LOAN | |
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|
| 2019 and Newer (Various terms) | As low as 5.24% APR* | |
*5.24% available up to 36 months, other rates available up to 84 months.
| RV LOAN | |
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|
| 2024 and Newer | As low as 7.25% APR | |
| 2019 to 2023 | As low as 8.25% APR | |
| POWER SPORTS LOAN | |
Apply
|
| 2019 and Newer | As low as 7.25% APR | |
| BOAT LOAN | |
Apply
|
| 2024 and Newer | As low as 7.25% APR | |
| 2019 to 2023 | As low as 8.25% APR | |
| HOME EQUITY LOAN | |
Contact
|
| Fixed Rate: Second Lien 90% LTV | As low as 6.50% APR | |
| Line of Credit | Contact us for rate* | |
*HELOC Variable interest rate is based on market rates and subject to change at least quarterly. Michigan and Indiana owner-occupied properties only. Program rates, terms and conditions are subject to change without notice. Additional restrictions may apply.
| CREDIT CARD | |
Apply
|
| Platinum | As low as 10.74% APR* | |
| Platinum Rewards | As low as 14.74% APR* | |
*Variable interest rate is based on market rates and subject to change monthly.
| OTHER LOAN RATES | | |
| Closed End Unsecured (Various terms) | As low as 11.49% APR* | |
| Auto Secured - 2014 and Older | As low as 6.74% APR* | |
| Other Secured - 2017 and Older | As low as 6.74% APR* | |
| OMNI Fast Cash | As low as 22.99% APR* | |
| Share Secured (Various terms) | As low as 5.25% APR* |
Apply
|
| Certificate of Deposit Secured | CD Rate plus 2.50% APR* | |
| Cash Reserve Line of Credit | 14.95% APR* | |
| Home Improvement Loan | As low as 8.49% APR* |
Apply
|
*Annual Percentage Rate (APR) subject to change.
| REGULAR, SPECIAL, SENIOR, & BUSINESS SAVINGS | | |
| $100 - $4,999.99 | 0.025% APY | |
| $5,000 - $9,999.99 | 0.075% APY | |
| $10,000 and up | 0.100% APY | |
| SMART SAVINGS | | |
| $1,000 - $9,999.99 | 0.050% APY | |
| $10,000 - $24,999.99 | 0.100% APY | |
| $25,000 - $49,999.99 | 0.125% APY | |
| $50,000 and up | 0.150% APY | |
| PENNY PANDA & CYBER SAVERS | | |
| $5 - $4,999.99 | 0.250% APY | |
| $5,000 - $9,999.99 | 0.399% APY | |
| $10,000+ | 0.598% APY | |
| CHRISTMAS CLUB | | |
| Christmas Club | 0.100% APY | |
| REGULAR IRA SAVINGS | | |
| Regular IRA Savings | 0.400% APY | |
| BUSINESS SAVINGS | | |
| $100 - $4,999.99 | 0.025% APY | |
| $5,000 - $9,999.99 | 0.075% APY | |
| $10,000 and up | 0.100% APY | |
| REWARDS & REGULAR CHECKING | | |
| $0 and up | 0.000% APY | |
| HIGH YIELD CHECKING ACCOUNT | | |
| $0.01-$10,000 | 4.000% APY* | |
| $10,000.01 and up | 0.010% APY* | |
*4.000% APY will apply only when all High Yield Reward Qualification requirements are met during the statement cycle. Where High Yield Reward Qualification requirements are not met in any statement cycle, the 0.010 APY will apply to the entire account balance. See the Truth in Savings Disclosure for High Yield Reward Qualification requirements and other information concerning this account.
| SMART CHECKING & HSA | | |
| $100 to $2,499.99 | 0.000% APY | |
| $2,500 to $4,999.99 | 0.000% APY | |
| $5,000 to $9,999.99 | 0.050% APY | |
| $10,000 to $24,999.99 | 0.100% APY | |
| $25,000 to $49,999.99 | 0.125% APY | |
| $50,000 and up | 0.150% APY | |
| BUSINESS CHECKING | | |
| $100 to $7,499.99 | 0.000% APY | |
| $7,499.99 to $14,999.99 | 0.050% APY | |
| $15,000.00 and up | 0.100% APY | |
| |
| $2,500 - $24,999.99 | 0.250% APY | |
| $25,000 - $49,999.99 | 0.300% APY | |
| $50,000 - $99,999.99 | 0.350% APY | |
| $100,000 - $199,999.99 | 0.500% APY | |
| $200,000 and up | 0.600% APY | |
| |
| 6 Month | 0.600% APY | |
| 6 Month Jumbo | 0.850% APY | |
| 9 Month Special | 4.250% APY | |
| 12 Month | 0.750% APY | |
| 12 Month Jumbo | 1.000% APY | |
| 12 Month Youth Special | 5.000% APY* | |
| 14 Month Special | 4.000% APY | |
| 24 Month | 0.850% APY | |
| 24 Month Jumbo | 1.100% APY | |
| 26 Month Special | 3.750% APY | |
| 36 Month | 1.050% APY | |
| 36 Month Jumbo | 1.300% APY | |
| 48 Month | 1.150% APY | |
| 48 Month Jumbo | 1.400% APY | |
| 60 Month | 1.400% APY | |
| 60 Month Jumbo | 1.650% APY | |
*Not available for business accounts. $1,000 maximum. Ages 0-17. One per member.
‡IRA CDs not available for less than 9 months. CD Specials subject to change
