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.

Visit our Get Rates page for our rate estimator or 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.

*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 2002 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 2002 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, 18, 24, 30, 36, 48 & 60 month certificates - 180 days loss of interest. Save UP CD maximum monthly deposit is $300. 

*CD Specials, APY = Annual Percentage Yield.  APY is the actual rate of return if the interest earned on the account is allowed to compound throughout the term.  Minimum balance to open a CD is $500.  Rates current as of 2/1/2017 and are subject to change.  Interest is compounded quarterly.  A penalty may be charged for early withdrawal of a certificate.  The CD specials are not applicable to IRAs.  Deposits with Adventure Credit Union are federally insured through NCUA, National Credit Union Administration.