Special Mortgage Rates

Limited Time Offer. Lock in Your Rate Today.

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  • Beat the Market
    Beat the Market

    We've priced our loans below
    the market for your benefit

  • Save Money
    Save Money

    Our special rates can
    add up to big savings

  • Pick Your Term
    Pick Your Term

    Your choice of 15, 20,
    & 25 year terms

Conventional Fixed Rate Mortgages — up to $647,200
Rates Effective: July 18, 2022
TitleInterest RateAPR
30 Year TermContact Us BelowContact Us Below
25 Year Term (Purchase)4.625%4.987%
25 Year Term (Refinance)4.750%5.112%
20 Year Term (Purchase)4.500%4.733%
20 Year Term (Refinance)4.625%4.862%
15 Year Term (Purchase)4.250% 4.580%
15 Year Term (Refinance)4.375%4.633%

Lock in Your Rate Today

The first step to locking in your special low mortgage rate is connecting with one of our Mortgage Specialists. Please complete the form below, and we'll respond to you via phone or email within 1 to 2 business days.

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When you choose Adventure Credit Union for your mortgage financing you get:
  • Low interest rates
  • Upfront underwriting to ensure a smooth process
  • Expert guidance from start to finish
  • Quick closings
  • Low closing costs

If you are not yet a member of Adventure Credit Union, you are still welcome to contact us about your mortgage needs.  If you decide to work with us for your mortgage needs, you will need to join the credit union before your loan can be disbursed.  Don't worry, we'll walk you through the process, and it only requires a $5 deposit to your new share account.

Adventure Credit Union is open to anyone who lives, works, worships, or attends school in the following counties: Allegan, Barry, Clinton, Eaton, Ingham, Kent, Livingston, Newaygo, Ottawa, and Shiawassee.

Have questions for us?  Click the "Chat with Us!" button between 9am - 5pm, Monday - Friday.  Or call us after-hours at 800.323.2129.

Who is Adventure Credit Union?

Simply put, we're like a bank but better!  Like a bank, we offer financial services: loans, mortgages, savings accounts, checking accounts, and more.  Unlike a bank, we're a not-for-profit organization owned by our members.  This means, we work in the best interest of our members (i.e., accountholders) rather than investors.  Our non-profit status allows us offer low interest rates on our Holiday Loans and keep our account fees to the bare minimum.  When you open a share account with Adventure Credit Union, you'll never be charged a minimum balance fee or an account maintenance fee.


How do I join?

If you are seeking a mortgage, we suggest following these steps.

  1. Contact a Mortgage Specialist
  2. Wait for us to respond via email
  3. We'll walk you through opening your new membership

Even if your loan application is denied, you're still welcome to apply for membership at Adventure Credit Union.

*Annual Percentage Rate (APR).  Rate valid as of 7/18/2022, and subject to change without notice. Purchase rates are based on a scenario of: minimum 20% down payment, minimum credit score of 740, maximum debt-to-income ratio of 45%, and an owner occupied primary residence. Refinance rates are based on a scenario of: maximum 80% LTV, minimum credit score of 740, maximum debt-to-income ratio of 43%, and an owner occupied primary residence. The rates shown for fixed-rate mortgages are the lowest available for each term listed.  Rates and fees may vary and are based on credit history, down payment, property type, and other factors associated with your loan application. Not all members will qualify for the lowest rate.  Loans with less than 20% down payment may require private mortgage insurance.