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.  Learn more about our Special Mortgage Rates listed below.

Contact a Mortgage Specialist for current rates by emailing mtgspecialist@adventurecu.org or calling 616-825-HOME. 

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

*Annual Percentage Rate (APR).  Rate valid as of 5/20/2022, and subject to change without notice.  Special rates are valid for purchase or refinance.  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.

*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%.

*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.

*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.

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.

*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.

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