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All of our branches will be closed on May 27th in observance of Memorial Day.

Christian Financial Credit Union Rates

Check out our rates!

Christian Financial Credit Union has lower loan rates and higher savings rates than most other financial institutions. See for yourself!

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Loan Rates

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Effective Date

May 27th, 2024

Auto Loans '20 – '24

Rates valid for New & Used Autos (Model years 2020-2024)

Term APR*
12 – 60 months 5.99%
61 – 75 months | $15,000 & over 6.24%
76 – 84 months | $30,000 & over 6.99%

*APR = Annual Percentage Rate. Rates shown are the best available, are based on credit history, are available only on loans not already financed with Christian Financial and subject to change without notice. Rates listed are based on automatic loan payment. For example, for a loan of $20,000 at 60 months with an interest rate of 5.99% APR, the payment will be $387. Loans requested for more than 105% of collateral value may be subject to a higher rate of interest. Members refinancing existing Christian Financial Credit Union loans are subject to a higher rate of interest. Please see a Christian Financial Service Representative for full details.

Auto Loans '14 – '19

Rates valid for Used Autos (Model years 2014 – 2019)

Term APR*
12 – 60 months 6.24%
61 – 75 months | $15,000 & over 6.49%
76 – 84 months | $30,000 & over 7.24%

*APR = Annual Percentage Rate. Rates shown are the best available, are based on credit history, are available only on loans not already financed with Christian Financial and subject to change without notice. Rates listed are based on automatic loan payment. For example, for a loan of $20,000 at 60 months with an interest rate of 6.24% APR, the payment will be $388.89. Loans requested for more than 105% of collateral value may be subject to a higher rate of interest. Members refinancing existing Christian Financial Credit Union loans are subject to a higher rate of interest. Please see a Christian Financial Service Representative for full details.

Auto Rates – up to '13

Rates valid for Used Autos (Model years 2013 and older)

Term APR*
12 – 60 months 9.24%

*APR = Annual Percentage Rate. Rates shown are the best available, are based on credit history, are available only on loans not already financed with Christian Financial and subject to change without notice. Rates listed are based on automatic loan payment. For example, for a loan of $20,000 at 60 months with an interest rate of 6.24% APR, the payment will be $388.89. Loans requested for more than 105% of collateral value may be subject to a higher rate of interest. Members refinancing existing Christian Financial Credit Union loans are subject to a higher rate of interest. Please see a Christian Financial Service Representative for full details.

Boat & Recreational Vehicle Loans

Boats, RVs, Travel Trailers, Motor Homes, Mobile Homes

Loan Amount Max Term APR*
Any amount Up to 120 months 5.99%
$50,000+ Up to 180 months 6.99%
$75,000+ Up to 240 months 7.49%

*APR = Annual Percentage Rate. Rates shown are the best available, require automatic payments, are based on credit history, and subject to change without notice. Loans requested for more than 80% of collateral value may be subject to a higher rate of interest. Members refinancing existing Christian Financial Credit Union loans are subject to a higher rate of interest. Please see a Christian Financial Service Representative for full details. For example, for a loan of $35,000 at 120 months with an interest rate of 6.49% APR, the payment will be $397.24. **Loan must be current (cannot be delinquent) to qualify for free annual Skip a Payment. Recreational vehicles only. Excludes loans written to covered borrowers under the Military Lending Act. The skipped payment will be added to the end of the loan and will extend the maturity date of the loan. If a scheduled payment for the loan has been set up through Online Banking or initiated by the member at another financial institution, the member is responsible for canceling the scheduled payment. Eligible loans may skip only one payment per calendar year. Recreational Vehicles that skip a payment are not eligible for the Holiday Skip a Payment program. Members refinancing existing Christian Financial Credit Union loans are subject to a higher rate of interest.

Powersport Loans

Motorcycles, Jet Ski's, Snowmobiles, Off-Road Vehicles, Camper Tops, Riding Lawn Tractors

Term APR*
Up to 60 Months 6.74%
Up to 84 Months (must be over $10,000) 7.74%

*APR = Annual Percentage Rate. Rates shown are the best available, require automatic payments, are based on credit history, and subject to change without notice. Loans requested for more than 80% of collateral value may be subject to a higher rate of interest. Members refinancing existing Christian Financial Credit Union loans are subject to a higher rate of interest. Please see a Christian Financial Service Representative for full details. For example, for a loan of $9,000 at 60 months with an interest rate of 6.74% APR, the payment will be $177.11. **Loan must be current (cannot be delinquent) to qualify for free annual Skip a Payment. Recreational vehicles only. Excludes loans written to covered borrowers under the Military Lending Act. The skipped payment will be added to the end of the loan and will extend the maturity date of the loan. If a scheduled payment for the loan has been set up through Online Banking or initiated by the member at another financial institution, the member is responsible for canceling the scheduled payment. Eligible loans may skip only one payment per calendar year. Recreational Vehicles that skip a payment are not eligible for the Holiday Skip a Payment program. Members refinancing existing Christian Financial Credit Union loans are subject to a higher rate of interest.

Personal Loans

Type Term APR*
Line of Credit 11.49%
Personal Loan**** Up to 60 months 10.49%
Seasonal Personal Loan** Up to 12 months 9.99%
Savings Pledged Loan 6.74%
Certificate Pledged Loan*** 6.74%

*APR = Annual Percentage Rate. Rates shown are the best available, are based on credit history, are available only on loans not already financed with Christian Financial and subject to change without notice. Loans requested for more than 95% of collateral value may be subject to a higher rate of interest. Members refinancing existing Christian Financial Credit Union loans are subject to a higher rate of interest.Please see a Christian Financial Service Representative for full details. **Can be used for vacations, wedding expenses or taxes. For example, for a loan of $1,000 at 12 months with an interest rate of 8.49%, the monthly payment would be $87.22. Minimum loan amount limited to $500.00. Maximum loan amount limited to $5,000.00. No additional discounts for Auto Transfer/Electronic Payment. ***Term of loan cannot exceed term of certificate. ****Rate shown includes discount for automatic payment.

Debt Shed

Type Loan Amount APR*
Debt Shed – Under $10,000 Up to $10,000 9.49%
Debt Shed – $10,000 to $15,000** $10,001 – $15,000 10.49%

*APR = Annual Percentage Rate. Rates shown are the best available, are based on credit history, and subject to change without notice. Please see a Christian Financial Service Representative for full details.

**Max to Lend = $15,000. Rates listed are based on automatic loan payment. Refinancing of existing Christian Financial debt not available with Debt Shed. No consolidation of existing Debt Sheds. For example, for a loan of $10,000 at 9.49% APR for 36 months, the monthly payment would be $320.28.

Visa Credit Cards

Type Minimum Credit Line APR*
Visa Platinum Credit Card $2,000 8.90%
Visa Signature Credit Card** $5,000 9.90%
Visa Business Credit Card Varies 13.75%

*APR = Annual Percentage Rate. Rates shown are the best available, are based on credit history, and subject to change without notice. Please see a Christian Financial Service Representative for full details. View the full Visa Solicitation of Rates.

**Click here to view a complete guide to your signature benefits. **$100 Cash Back for spend and 2% Cash Back for balance transfers is applicable to new accounts only. Offers do not apply to account upgrades or transfers from an existing Christian Financial account. Balance transfer offer is valid only on balances transferred from outside institutions.

Home Equity Line of Credit

APR*
Home Equity Line of Credit 7.50%

*APR = Annual Percentage Rate. Home Equity Lines of Credit are available on primary residences located in the State of Michigan only. Rates are subject to change without notice and are variable. The minimum rate that may be imposed is 5.50% APR. The maximum rate that may be imposed is 14.00% APR. You must pay certain fees to third parties to originate the Home Equity Loan. These fees generally total between $0.00 and $1,000. If you ask, we will provide you with an itemization of the fees you will have to pay third parties. Property insurance is required, and flood insurance may be required. Non-members will be charged a $10 new membership fee upon account opening.

Mortgage 30-Year Fixed Rate Purchase

Mortgage 15-Year Fixed Rate Purchase

Mortgage 7/1 Arm

Mortgage 5/1 Arm

Savings Rates

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Effective Date

May 27th, 2024

Savings Accounts

Type Dividend Rate Minimum Balance APY*
Savings** 0.05% $100.00 0.05%
Christmas Club** 0.25% $100.00 0.25%
IRA Savings 0.50% $1,000.00 0.50%

*APY= Annual Percentage Yield. Yields may change after opening, and are subject to change without notice.

**If fees are applied, it may reduce the earnings on the account. View our full list of service charge & fees.

6 Month Certificate

Term Dividend Rate Minimum Balance APY*
6 Month* 1.99% $500 2.00%

*APY = Annual Percentage Yield. Dividends are compounded and credited quarterly. Penalties may apply for early withdrawals from certificate accounts. Fees may reduce earnings. Rates are subject to change without notice. See our Member Agreement Booklet for full details.

Certificates of Deposit

Term Dividend Rate Minimum Balance APY*
12 Month Super Saver Certificate** 3.93% $500 4.00%
12 Month Save To Win Certificate*** 1.49% $25 1.50%
12 Month Youth Certificate 4.89% $250 5.00%
12 Month 4.89% $500 5.00%
18 Month 4.41% $500 4.50%
24 Month 4.41% $500 4.50%
36 Month 4.65% $500 4.75%
48 Month 3.45% $500 3.50%
60 Month 3.45% $500 3.50%

*APY = Annual Percentage Yield. Dividends are compounded and credited monthly. Penalties may apply for early withdrawals from certificate accounts. Fees may reduce earnings. Rates are subject to change without notice. See our Member Agreement Booklet for full details.

**SUPER SAVER CD
Additional Super Saver deposits not to exceed $100,000 in aggregate per Certificate. Maximum number of Super Saver Certificates is limited to TWO per Social Security number. See our Member Agreement Booklet for full details.

***SAVE TO WIN
Additional deposits can be made throughout the term of the certificate. Maximum number of Save To Win Certificates is limited to ONE per Social Security number. See full disclosures for specific Save To Win CD details. Save to Win Early Withdrawal Penalty will be equal to $25. Fees may reduce earnings. View the Save to Win Official Rules for full details.

IRA Certificates

Term Dividend Rate Minimum Balance APY*
12 Month 4.89% $500 5.00%
18 Month 4.41% $500 4.50%
24 Month 4.41% $500 4.50%
36 Month 4.65% $500 4.75%
48 Month 3.45% $500 3.50%
60 Month 3.45% $500 3.50%

*APY = Annual Percentage Yield. All rates are subject to change without notice. See our Member Agreement Booklet for full details.

Money Market

Type Dividend Rate Minimum Balance APY*
Money Market Savings** 0.25% $100.00 – $2,499.99 0.25%
0.75% $2,500.00 – $9,999.99 0.75%
0.85% $10,000.00 – $49,999.99 0.85%
1.09% $50,000.00 – $149,999.99 1.10%
1.24% $150,000.00 and above 1.25%

*APY= Annual Percentage Yield. Yields may change after opening, and are subject to change without notice.

**This account has a blended rate. Contact us for full terms and conditions.

*APY = Annual Percentage Yield. All rates are subject to change without notice.
**If fees are applied, it may reduce the earnings on the account.
***Additional Deposits can be made throughout the term of the certificate. Maximum number of Save to Win Certificates is limited to ONE per Social Security Number. Tap here for full rules and details.
^Additional Super Saver Deposits not to exceed $50,000 in aggregate per certificate. Maximum number of Super Saver Certificates is limited to TWO per Social Security Number.

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