--- title: "Chief Financial Credit Union: #1 15-Yr Mortgage in Michigan" description: "Chief Financial Credit Union has the lowest tracked 15-year fixed mortgage rate in Michigan (6.61% APR) among 12 credit unions we verify. Chief Financial Credit Union rates today: 30 year fixed mortgage 6.91% APR, HELOC from 9.27% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Chief Financial Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/michigan/chief-financial" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Chief Financial Credit Union: #1 15-Yr Mortgage in Michigan ### Mortgage rates 5 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 6.912% APR | 6.750% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.612% APR | 6.375% | — | Standard | | **5/1 ARM** 5 1 arm | 6.502% APR | 6.000% | — | Standard | | **7/1 ARM** 7 1 arm | 6.608% APR | 6.125% | — | Standard | | **One-Time Close Construction** other | 7.167% APR | 7.000% | — | Standard | Chief Financial Credit Union mortgage rates as of November 12, 2026 ### HELOC rates 3 offers | Product | Published | Rate | Term / condition | Status | | **5-Year Home Equity Loan (Fixed)** heloc_fixed | 9.265% APR | 6.875% | — | Standard | | **15-Year Home Equity Loan (Fixed)** heloc_fixed | 9.355% APR | 8.375% | — | Standard | | **10-Year Home Equity Loan (Fixed)** heloc_fixed | 9.465% APR | 8.125% | — | Standard | Chief Financial Credit Union heloc rates as of November 12, 2026 As of November 12, 2026, Chief Financial Credit Union offers a 30-year fixed mortgage at 6.912% APR. HELOC rates from 9.265% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/michigan/chief-financial) , verified from [Chief Financial Credit Union's official website](https://www.chiefonline.com/) Best product position **#1 of 12** 15-year fixed mortgage Gap to state best **0 bp** State market leader Vs. state median **Matches state median** 15-year fixed mortgage Products ranked **3** across tracked Michigan markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 6.91% | Better than the Michigan median | 27 bp from state best | 16 bp better than median | | HELOC | 9.27% | Room to improve vs. the Michigan median | 276 bp from state best | 227 bp behind median | | 15-year fixed mortgage | 6.61% | #1 of 12 · lowest in Michigan | State market leader | Matches state median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Chief Financial Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=chief-financial&state=michigan&code=MI&name=Chief%20Financial%20Credit%20Union) Loading branch locator… ## About Chief Financial Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 21K Assets $255.5M Founded 1941 Locations reported 5 NCUA charter 4271 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Genisys** 12 Rochester Hills · Rochester Hills · MI · 48307-3530 About 0.5 miles away](https://rateapi.dev/credit-unions/michigan/genisys) [**Michigan Schools and Government** Rochester Road · Rochester Hills · MI · 48307-3859 About 0.8 miles away](https://rateapi.dev/credit-unions/michigan/michigan-schools-and-government) [**DFCU Financial** DFCU - Rochester · Rochester · MI · 48307 About 1.7 miles away](https://rateapi.dev/credit-unions/michigan/dfcu-financial) [**Intouch** Rochester Hills (Meijer) · Rochester Hills · MI · 48307-5042 About 1.9 miles away](https://rateapi.dev/credit-unions/texas/intouch) [**Alliance Catholic** Rochester · Rochester · MI · 48307-1432 About 2.0 miles away](https://rateapi.dev/credit-unions/michigan/alliance-catholic) [**Lake Michigan** Rochester Hills · Rochester Hills · MI · 48306 About 2.7 miles away](https://rateapi.dev/credit-unions/michigan/lake-michigan) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Chief Financial Credit Union Membership eligibility from Chief Financial Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Chief Financial Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [Chief Financial Credit Union's membership page](https://www.chiefonline.com/) . Final membership determination is always made by the credit union. ## Work at Chief Financial Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Chief Financial Credit Union ranks against Michigan peers. - See which AI assistants fetched Chief Financial Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Michigan - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=chief-financial&state=michigan&code=MI&name=Chief%20Financial%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Chief Financial Credit Union offer? Chief Financial Credit Union currently offers mortgage, and HELOC rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Chief Financial Credit Union rates updated? RateAPI verifies Chief Financial Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Chief Financial Credit Union's rate data? Rate data is collected directly from Chief Financial Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Chief Financial Credit Union's mortgage rate? As of November 12, 2026, Chief Financial Credit Union offers a 30-year fixed mortgage at 6.912% APR. ### What is Chief Financial Credit Union's HELOC rate? As of November 12, 2026, Chief Financial Credit Union offers home equity lines of credit from 9.265% APR. ### Who can join Chief Financial Credit Union? Chief Financial Credit Union publishes its membership criteria on its own website. ## Related Rate Data Compare Chief Financial Credit Union's rates against national credit-union benchmarks. [More Michigan credit unions](https://rateapi.dev/credit-unions/michigan) [Michigan mortgage rate leaders](https://rateapi.dev/mortgage-rates/michigan) [Michigan HELOC rate leaders](https://rateapi.dev/heloc-rates/michigan) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.chiefonline.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Chief Financial Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Michigan credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Chief Financial Credit Union curl "https://api.rateapi.dev/credit-unions/michigan /chief-financial " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Chief Financial Credit Union locations Search, filter, and browse all 5 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/michigan/chief-financial Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp