It is now:
Saturday, April 25

Hours

Monday – Thursday:
9:00 AM to 5:00 PM

Friday: 9:00 AM to
6:00 PM

Saturday - Clarkston only:
Full Service -9:00 AM to 1:00 PM

Clarkston Office
8055 Ortonville Road
Clarkston, MI 48348
Ph (248) 625-2923
Fax (248) 625-5199

Brandon Office
4 South Street
Ortonville, MI 48462
Ph (248) 627-9944
Fax (248) 627-3873

Sashabaw Road
24/7 ATM

6215 Sashabaw Road
Clarkston, MI 48346

Lost or Stolen Debit Card - After Hours
800-236-2442

Lost or Stolen VISA Card - After Hours
866-333-4740

VISA Fraud Callback Number
800-437-9392

Rates

Savings Rates - Effective Wednesday, April 1, 2015
Account TypeAnnual
Percentage
Rates (APR)
Annual
Percentage
Yield (APY)
Minimum
Deposit
Minimum Balance
to Earn Dividends
PRIMARY SHARE / SAVINGS0.050%0.050%$0.00$100.00
SHARE DRAFT / CHECKING0.000%0.000%$0.00$0.00
MONEY MARKET DRAFT0.050%0.050% - 0.050%$0.00$100.00
MONEY MARKET DRAFT0.050%0.050% - 0.050%$0.00$2,500.01
MONEY MARKET DRAFT0.050%0.050% - 0.050%$0.00$10,000.00
MONEY MARKET DRAFT0.050%0.050% - 0.050%$0.00$25,000.00
MONEY MARKET DRAFT0.100%0.050% - 0.100%$0.00$50,000.00
CHRISTMAS CLUB0.050%0.050%$0.00$100.00
CLUB SHARES0.050%0.050%$0.00$100.00
IRA TRAD SHARES0.050%0.050%$0.00$100.00
EDUCATIONAL IRA SAVINGS0.050%0.050%$0.00$100.00
ROTH IRA SAVINGS0.050%0.050%$0.00$100.00
  • Fees may reduce earnings.
  • Rate may change after the account is opened.
  • APY could vary depending on balance attained and length of deposit at this level.
Loan Rates - Effective Saturday, April 25, 2015
Loan TypeAnnual Percentage
Rates (APR) as low as
Terms/Information
New Auto 60 Months2.240%Rates as low as 1.99%*
New and Used Auto 72 Months2.240%Rates as low as 1.99%
New Auto 84 months3.240%Rates as low as 2.99%
New & Used Auto 2012-20152.240%Rates as low as 1.99%*
New and Used Vehicle 60 Months2.240%Rates as low as 1.99%
Used 2009 Auto4.250%Rates as low as 4.00*
Used 2012-2015 Auto2.240%Rates as low at 1.99%
Used 2009 to 2011 Auto4.250%Great used rates! As low as 4.00% *
Used 2008 and older4.250%Great used rates! As low as 4.00% *
2008 and older Autos4.250%Great used rates! As low as 4.000%*
2008 and Older Autos 48 months4.250%Great used rates! AS LOW AS 4.00%
Vintage Auto4.250%25 yrs and older:Rates as low as 4.00%*
Titled Recreational3.240%1% over rate of car of same year; Rates as low as 5.99%*
Untitled Recreational5.240%2% over vehicle rate of same year; Rates as low as 7.24%*
VARIABLE RATE HOME EQUITY5.250%RATES AS LOW AS 5.25%
Signature Loan7.500%Great Rates on Signature Loans! Rates as low as 6.75%
Share Secured3.000%Best Rate of all - borrow on money on deposit in account
  • Your Actual APR (Annual Percentage Rate) will be based upon your individual credit worthiness, loan amount, term of loan and applicable prepaid items.
  • Additional charges may be applied for late payment.
  • A down payment may be required on any of our vehicle loans.

NEW! Apply Online Now! You don't even have to be a member yet.

Certificate Rates - Effective Saturday, April 25, 2015
Certificate TermAnnual
Percentage
Rates (APR)
Annual
Percentage
Yield (APY)
Minimum Deposit
3 MONTH MIN $10000.050%0.050%$1,000.00
6 MONTH MIN $10000.050%0.050%$1,000.00
9 MONTH MIN $10000.050%0.050%$1,000.00
12 MONTH MIN $10000.250%0.250%$1,000.00
18 MONTH MIN $10000.300%0.300%$1,000.00
24 MONTH MIN $10000.350%0.350%$1,000.00
36 MONTH MIN $10000.500%0.500%$1,000.00
48 MONTH MIN $10000.750%0.750%$1,000.00
60 MONTH MIN $10001.000%1.000%$1,000.00
  • A penalty may be imposed for the early withdrawal from Certificate of Deposit Accounts.
  • Our new IRA CD's have the same rate and terms as above, please call for details!

** Call us for current Jumbo Certificate Rates!

Prime Rate
Current Rate: 3.250%
Effective: Mar 1, 2015

Source: Federal Reserve Bank of St. Louis, http://research.stlouisfed.org/

Truth In Savings

SHARE ACCOUNT
As of the last dividend declaration date, the dividend rate was .10% with an annual percentage yield (APY) of .10% on your account. The dividend rate and annual percentage yield (APY) on this account may change every quarter as determined by our board of directors.
CLUB ACCOUNT
As of the last dividend declaration date, the dividend rate was .10% with an annual percentage yield (APY) of .10% on your account. The dividend rate and annual percentage yield (APY) on this account may change every quarter as determined by our board of directors.
CHRISTMAS CLUB ACCOUNT
As of the last dividend declaration date, the dividend rate was .10% with an annual percentage yield (APY) of .10% on your account. The dividend rate and annual percentage yield (APY) on this account may change every year as determined by our board of directors.
IRA ACCOUNT
The interest rate on your deposit account is .20% with an annual percentage yield (APY) of .20% . For purposes of this disclosure, this is a rate and APY that were offered within the most recent seven calendar days and were accurate as of 04/01/2009 . Please call 248-625-2923 to obtain current rate information. The interest rate and annual percentage yield (APY) may change every quarter based on the determination of the credit union board of directors.