Loan Rates

Rates accurate as of

¹APR=Annual Percentage Rate. All loan rates cited as APR. All loans are subject to approval. Your precise rate is based on your credit worthiness. The AOCU credit card APR ranges from 12.98% to 23.98%. Member must be in good standing. Rates, terms, and conditions are subject to change.

²The current promotional APR is a 0.00% introductory rate on purchases for the first twelve (12) billing cycles. On the thirteenth billing cycle, the 0.00% intro APR will adjust to the standard purchase APR on your account.

VISA Disclosure

Rates accurate as of

¹APR=Annual Percentage Rate. All loan rates cited as APR. Quoted loan rates are the lowest rates available. Your final loan rate is based on creditworthiness and consumer credit scoring and may be higher than the quoted rate. All loans are subject to approval. Rates, terms, and conditions are subject to change. Member must be in good standing.

²Interest begins to accrue when loan funds are disbursed; deferred payment may extend the term of the loan for deferred payment options.

³Maximum 0.25% discount available with purchase of GAP insurance, Mechanical Repair Coverage, Depreciation Protection Waiver or Debt Protection. Interest begins to accrue when loan funds are disbursed; deferred payment may extend the term of the loan for deferred payment options.

⁴Rates may range from 10% to 24% APR. The Annual Percentage rate may vary after the account is opened. No annual fee.

⁵Share secured rate is 3.00% more than the rate of dividend paid on the funds used as collateral.

Payment Example: For a $10,000 loan for a term of 60 months with a 10.49% APR, the monthly payment will be $107.44

Rates accurate as of

¹APR=Annual Percentage Rate. All loan rates cited as APR. All loans are subject to approval. Rates are based on creditworthiness, loan-to-value (LTV), property type, and other factors associated with your loan application. Rates posted are indications only and are subject to change without notice. Rates, terms, and conditions are subject to change.

²Quoted Home Equity rates are the lowest available. Your final loan rate is based upon creditworthiness, loan-to-value (LTV), and consumer credit scoring and may be higher than the quoted rates. All quoted rates based on 80% LTV. Loans with LTV of 80.01% - 90.00% will have 0.50% added to the base rate. Secondary Homes and Investment Properties can be used as collateral. Loans secured by Secondary Homes and Investment Properties have a maximum LTV of 70% and may be subject to a higher interest rate. The minimum loan amount is $10,000.00. Retain a copy of the preliminary disclosures. The credit union will receive a security interest in the dwelling. FEES AND CHARGES: If you disagree with Advantage One’s assessment of your home value, you may elect to get an addition appraisal to determine the value of your home, you will be responsible for the cost of this appraisal. A typical cost of an appraisal is estimated at $500.

³Home equity rates are tied to Prime, your line of credit balance and your consumer credit rating and creditworthiness. Rates have a floor of 3.25% and a maximum of 16.00%. Rates are subject to review and change quarterly. You can obtain credit advances for 10 years during the draw period. The length of the repayment period will be 10 years. You will be required to make monthly payments during the draw and repayment periods. Retain a copy of the preliminary disclosures. The credit union will receive a security interest in the dwelling. Secondary Homes and Investment Properties can be used as collateral. Loans secured by Secondary Homes and Investment Properties have a maximum LTV of 70% and may be subject to a higher interest rate. FEES AND CHARGES: If you disagree with Advantage One’s assessment of your home value, you may elect to get an addition appraisal to determine the value of your home, you will be responsible for the cost of this appraisal. A typical cost of an appraisal is estimated at $500.

Payment Example:For a $50,000 loan for a term of 180 months with a 6.34% APR, the monthly payment will be $444.95.

Payment example does not include taxes and insurance premiums; actual payment obligation may be greater. Your actual rate and/or points may be different.

Rates accurate as of

New Auto & Motorcycle

Used Auto & Motorcycle ( - )

Used Auto & Motorcycle ( & Older)

¹APR=Annual Percentage Rate. All loan rates cited as APR. All loans are subject to approval. Rates, terms, and conditions are subject to change.

²Interest begins to accrue when loan funds are disbursed; deferred payment may extend the term of the loan for deferred payment options.

³To qualify for First Time Car buyer program, there must be no previous auto history and no current FICO score present.

Payment Example: For a $25,000 loan for a term of 84 months with a 6.99% APR, the monthly payment will be $384.57.

Rates accurate as of

Boat, Motorhome, & RV Loan Rates ( - )

Boat, Motorhome, & RV Loan Rates ( - older)

¹APR=Annual Percentage Rate. All loan rates cited as APR. All loans are subject to approval. Quoted loan rates are the lowest rates available. Your final loan rate is based on creditworthiness and consumer credit scoring and may be higher than the quoted rate. Rates, terms, and conditions are subject to change.

²Down payment may be required depending upon consumer credit score and loan-to-value (LTV) of the vehicle. Interest begins to accrue when loan funds are disbursed; deferred payment may extend the term of the loan for deferred payment options. Maximum 0.25% discount available with purchase of GAP insurance, Mechanical Repair Coverage, Depreciation Protection Waiver or Debt Protection.

Payment Example: For a $15,000 loan for a term of 72 months with an 8.49% APR, the monthly payment will be $266.60.

Rates accurate as of

New Personal Watercraft, Snowmobiles, & ATVs ( - )

New Personal Watercraft, Snowmobiles, & ATVs ( & older)

¹APR=Annual Percentage Rate. All loan rates cited as APR. All loans are subject to approval. Rates, terms, and conditions are subject to change.

²Quoted loan rates are the lowest rates available. Your final loan rate is based on creditworthiness and consumer credit scoring and may be higher than the quoted rate. Maximum 0.25% discount available with purchase of GAP insurance, Mechanical Repair Coverage, Depreciation Protection Waiver or Debt Protection. Interest begins to accrue when loan funds are disbursed; deferred payment may extend the term of the loan for deferred payment options.

Payment Example: For a $35,000 loan for a term of 240 months with a 8.24% APR, the monthly payment will be $309.08.

Rates accurate as of

Conventional Fixed-Rate Mortgages

FHA Fixed-Rate Mortgage

VA Fixed-Rate Mortgage

Vacant Land Mortgage

¹APR=Annual Percentage Rate. All loan rates cited as APR. All loans are subject to approval. Rates, terms, and conditions are subject to change.

²Credit Union membership is required or must be established. Loan terms and conditions depend on credit qualifications and approval. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. Neighborhood Mortgage Solutions is a Credit Union Service Organization (CUSO) providing mortgage services as our partner.

³Discount Points: A point is equal to one percent of the principal amount of your mortgage. For example, if you get a mortgage for $100,000, one point means you pay $1000 to the lender. These points are usually collected at closing and may be paid by the borrower, the home seller or may be split between them.

Payment Example: A primary residence, owner-occupied, single-family home in Michigan, with a purchase price of $150,000 with 20% down payment, all borrowers with credit scores of 740 or higher, the mortgage for $120,000 borrowed at a 6.375 % interest rate (6.618% APR) for a term of 360 months would require monthly payments of $748.64.

Payment example does not include taxes and insurance premiums; actual payment obligation may be greater.

NMLS #191693 | NMLS #408587