Rates

Working in your best interest.


Our Rates Deliver Greater Value.

Get the most for your money

Certificates of Deposit Rates
Rates Effective: September 18, 2023
CD TermMin. BalanceAPYRate
6 month CD$5004.500%4.426%
12 month CD$5004.650%4.571%
18 month CD$5004.500%4.426%
24 month CD$5003.750%3.699%
36 month CD$5003.750%3.699%
48 month CD$5003.750%3.699%
60 month CD$5003.750%3.699%
Save to Win CD 12 month$254.650%4.751%

Certificate rates are subject to change. The Annual Percentage Yield (APY) shown above indicates what would be earned if the interest rate remained the same for a 12 month period on a 6 month certificate. Early withdrawal penalty on 6 month certificate - 90 days loss of interest. Early withdrawal penalty on 12, 20, 24, 36, 48 & 60 month certificates - 180 days loss of interest.

Save to Win CD Official Rules

Savings & Dividend Rates
Rates Effective: September 18, 2023
AccountMin. BalanceAPRAPY
Adventure Savings$5.000.10%0.10%
Craft Savings Accounts$0.000.10%0.10%
SPARE CHANGE Savings$0.005.87%6.00%
Little Adventurers Club Savings$5.000.20%0.20%
Money Market Accounts**$5,000 - $24,999.990.40%0.40%
Money Market Accounts**$25,000 - $49,999.990.60%0.60%
Money Market Accounts**$50,000 - $99,999.993.000%3.000%
Money Market Accounts**$100,000 - $249,999.993.250%3.250%
Money Market Accounts**$250,000 & over3.250%3.250%
IRA Daily Account*$0.000.20%0.20%
Edge Checking$0.004.00%4.00%
Health Savings Checking (HSA)$.01 - $1,999.990.15%0.15%
Health Savings Checking (HSA)$2,000 - $4,999.990.20%0.20%
Health Savings Checking (HSA)$5,000 - $14,999.990.35%0.35%
Health Savings Checking (HSA)$15,000 & over0.50%0.50%
Christmas ClubRate changes annually on Nov. 1stn/a.10%

*These are dividend earning accounts. Dividends are calculated using the Daily Interest Method on the full amount of principal in the account and are paid on calendar quarters. The Board of Directors declares the dividend rate to be paid each quarter based on the profits of the credit union. The rates may change quarterly. If these accounts are closed during the dividend period, the dividend will be forfeited. Fees, if applicable, may reduce the earnings on these accounts. The stated dividend rate on these accounts is for the quarterly period ending December 31, 2016.

**These are interest earning accounts. Interest is calculated using the Daily Interest Method on the full amount of principal in the account. The interest rate on these accounts is subject to change at any time at the discretion of management. Early withdrawals from the Christmas Club account will cause the account to be closed and the loss of all earned interest.

MORTGAGE RATES

Adventure Credit Union offers you many types of real estate loans including locally serviced mortgages for home purchases or refinancing, construction and vacant land loans.

Contact a Mortgage Specialist for current rates by emailing [email protected] or calling 616-825-HOME. 

Ask us about our upfront underwriting process which offers you quick approval and faster closing.

 

 
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5/6 ARM
Rates Effective: October 11, 2023
TitleCredit TierRateAPR*
5/6 ARM; 30-year term760 5.875%7.453%
5/6 ARM; 30-yerm term720 - 7596.125%7.562%
5/6 ARM; 30-year term680 - 7196.375%7.672%
*APR = Annual Percentage Rate.  Rates shown require a minimum down payment of 20% and a maximum debt-to-income ratio of 44%.  APRs are based on a $250,000 purchase price and a $200,000 loan amount. 
 
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Home Equity Loans and HELOCs
Rates Effective: September 1, 2023
TitleTermFixedVariable
Home Equity - Line of Creditup to 180 monthsn/aas low as 8.50%*
Home Equity Loan - Fixed (1st)up to 60 monthsas low as 7.49%n/a
Home Equity Loan - Fixed (1st)up to 120 monthsas low as 7.74%n/a
Home Equity Loan - Fixed (1st)up to 180 monthsas low as 8.24%n/a
Home Equity Loan - Fixed (2nd)up to 60 monthsas low as 7.74%n/a
Home Equity Loan - Fixed (2nd)up to 120 monthsas low as 7.99%n/a
Home Equity Loan - Fixed (2nd)up to 180 monthsas low as 8.49%n/a

*Home Equity rates are based on the percentage of the equity you are borrowing. Lowest rate available on Home Equity Line of Credit is Prime minus 1/4% (4.00%) APR, currently offered on loans with 80% or less LTV. Current maximum rate on a Adventure Credit Union HELOC is 18.00% APR. Your rate will never be less than 4% or exceed 18%.

Auto Loan
Rates Effective: February 19, 2024
AutoTermFixed Interest Rate
2020 & Newer Vehiclesup to 36 monthsAs low as 6.99%
2020 & Newer Vehicles37-48 monthsAs low as 7.24%
2020 & Newer Vehicles49-66 monthsAs low as 7.49%
2020 & Newer Vehicles67-75 monthsAs low as 7.74%
2020 & Newer Vehicles76-84 monthsAs low as 8.24%

*For vehicles 2014 and older, contact us for rates.  Rates are expressed as an annual percentage rate and are subject to change.  All rates are based on credit score and posted rates represent highest tiers.  Other terms and rates available upon request.

Motorcycle Loan
Rates Effective: February 19, 2024
MotorcycleTermFixed Interest Rate
2020 & Newerup to 36 monthsAs low as 6.99%
2020 & Newer37-48 monthsAs low as 7.24%
2020 & Newer49-66 monthsAs low as 7.49%
2020 & Newer67-75 monthsAs low as 7.74%
2020 & Newer76-84 monthsAs low as 8.24%

*For vehicles 2014 and older, contact us for rates.  Rates are expressed as an annual percentage rate and are subject to change.  All rates are based on credit score and posted rates represent highest tiers.  Other terms and rates available upon request.

Secured Loans
Rates Effective: September 25, 2023
TitleRate
Share Secured LoanShare Rate 2.00%
Certificate Secured LoanCD rate 2.00%
Personal Loans
Rates Effective: September 25, 2023
TitleTermFixedVariable
Personal Line of Credit as low as 18.00%n/a
Single Payment Loan as low as 13.00%n/a
Signature Loan13 to 60 monthsas low as 11.49%n/a
Adventure Loanup to 12 monthsas low as 10.49%n/a
Debt Consolidation Loanup to 60 monthsas low as 11.49%n/a
Recreational Vehicle and Boat Loans
Rates Effective: February 19, 2024
Recreational Vehicle / BoatTermFixed Interest Rate
no minimum1 - 60 monthsas low as 7.99%
minimum $5,00061 - 84 monthsas low as 8.49%
minimum $13,00085 - 120 monthsas low as 8.99%
minimum $30,000121 - 180 monthsas low as 9.49%
Credit Cards
Rates Effective: September 1, 2023
TitleFixedVariable
Visa Classic Platinum Card14.88%n/a
Visa Platinum Cardn/a12.00% (prime plus 4.00%)
Visa Platinum Plus Card10.99%n/a

All rates stated reflect the Annual Percentage Rate (APR). These are our lowest rates available, based on credit history. Your actual rate will reflect your individual circumstances and may be higher than listed. Rates are current as of the stated date and are subject to change.