--- title: "Christian Financial Credit Union Rates (Nov 2026): Mortgage 7.01%" description: "Christian Financial Credit Union rates today: 30 year fixed mortgage 7.01% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Christian Financial Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/michigan/christian-financial" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Christian Financial Credit Union Rates (Nov 2026): Mortgage 7.01% ### Mortgage rates 13 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | — APR | 6.875% | — | Standard | | **30-Year Fixed** 30 year fixed | 7.014% APR | 6.875% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 6.375% | — | Standard | | **15-Year Fixed** 15 year fixed | 8.612% APR | 6.375% | — | Standard | | **5/1 ARM** 5 1 arm | — APR | 6.125% | — | Standard | | **7/1 ARM** 7 1 arm | — APR | 6.250% | — | Standard | | **5/1 ARM** 5 1 arm | 6.534% APR | 6.125% | — | Standard | | **7/1 ARM** 7 1 arm | 6.653% APR | 6.250% | — | Standard | | **One-Time Close Construction** other | — APR | 7.125% | — | Standard | | **One-Time Close Construction** other | 7.269% APR | 7.125% | — | Standard | | **30-Year Fixed, Refinance** 30 year fixed | — APR | 6.875% | — | Standard | | **15-Year Fixed, Refinance** 15 year fixed | — APR | 6.375% | — | Standard | | **15-Year Fixed, Refinance** 15 year fixed | 6.612% APR | 6.375% | — | Standard | Christian Financial Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 13 offers | Product | Published | Rate | Term / condition | Status | | **Auto Loans '23 - '27 (12 - 36 months* Limited-Time Offer)** auto_any_36mo | — APR | 3.990% | 36 mo | Standard | | **Auto Loans '17 – '22 (12 – 36 months* Limited-Time Offer)** auto_any_36mo | — APR | 3.990% | 36 mo | Standard | | **Featured Car, Boat & RV** boat | — APR | 3.990% | — | Standard | | **Auto Loans '23 - '27 (37 - 60 months)** auto_any_60mo | — APR | 4.990% | 60 mo | Standard | | **Auto Loans '17 - '22 (37 - 60 months)** auto_any_60mo | — APR | 4.990% | 60 mo | Standard | | **Boat & Recreational Vehicle Loans (Up to 120 months)** boat_any_120mo | — APR | 4.990% | 120 mo | Standard | | **Auto Loans '23 – '27 (61 – 75 months | $15,000 & over)** auto_any_75mo | — APR | 5.490% | 75 mo | Standard | | **Auto Loans '17 - '22 (61 - 75 months | $15,000 & over)** auto_any_75mo | — APR | 5.490% | 75 mo | Standard | | **Auto Loans '23 - '27 (76 - 84 months | $30,000 & over)** auto_any_84mo | — APR | 5.740% | 84 mo | Standard | | **Auto Loans '17 - '22 (76 - 84 months | $30,000 & over)** auto_any_84mo | — APR | 5.740% | 84 mo | Standard | | **Boat & Recreational Vehicle Loans (Up to 180 months)** boat_any_180mo | — APR | 5.990% | 180 mo | Standard | | **Boat & Recreational Vehicle Loans (Up to 240 months)** boat_any_240mo | — APR | 5.990% | 240 mo | Standard | | **Auto Rates - up to '16 (12 - 60 months)** auto_any_60mo | — APR | 9.240% | 60 mo | Standard | Christian Financial Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 4 offers | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | — APR | 6.000% | — | Standard | | **5-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 6.875% | — | Standard | | **10-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 8.125% | — | Standard | | **15-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 8.375% | — | Standard | Christian Financial Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 8 offers | Product | Published | Rate | Term / condition | Status | | **What’s Your Personal Preference?** personal | — APR | 6.740% | — | Standard | | **What’s Your Personal Preference? (Savings Secured Loan Apply Apply)** personal_secured | — APR | 6.740% | — | Standard | | **Seasonal Personal Loan**** personal_unsecured_12mo | — APR | 7.490% | 12 mo | Standard | | **What’s Your Personal Preference? (Seasonal Loan Apply Apply)** personal | — APR | 7.490% | — | Standard | | **What’s Your Personal Preference? (Debt Shed Apply Apply)** personal | — APR | 9.490% | — | Standard | | **60-Month Unsecured Personal Loan** personal_unsecured_60mo | — APR | 10.490% | 60 mo | Standard | | **What’s Your Personal Preference? (Personal Loan Apply Apply)** personal_unsecured | — APR | 10.490% | — | Standard | | **What’s Your Personal Preference? (Line of Credit Apply Apply)** ploc_variable | — APR | 11.490% | — | Standard | Christian Financial Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Platinum Credit Card** credit_card_platinum | — APR | 8.900% | — | Standard | | **Visa Signature Credit Card**** credit_card_platinum | — APR | 9.900% | — | Standard | | **Business Credit Card** credit_card_business | — APR | 12.000% | — | Standard | Christian Financial Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 17 offers | Product | Published | Rate | Term / condition | Status | | **Certificates of Deposit (12 Month Save To Win Certificate***)** cd_12mo | — APY | 1.50% | 12 mo | Standard | | **Certificates of Deposit (12 Month Super Saver Certificate**)** cd_12mo | — APY | 3.50% | 12 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 3.50% | 48 mo | Standard | | **48-Month IRA Certificate** ira_cd_48mo | — APY | 3.50% | 48 mo | Standard | | **60-Month IRA Certificate** ira_cd_60mo | — APY | 3.75% | 60 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 3.75% | 36 mo | Standard | | **36-Month IRA Certificate** ira_cd_36mo | — APY | 3.75% | 36 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 3.75% | 60 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 4.50% | 12 mo | Standard | | **24-Month IRA Certificate** ira_cd_24mo | — APY | 4.50% | 24 mo | Standard | | **18-Month IRA Certificate** ira_cd_18mo | — APY | 4.50% | 18 mo | Standard | | **12-Month IRA Certificate** ira_cd_12mo | — APY | 4.50% | 12 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 4.50% | 24 mo | Standard | | **Certificates of Deposit (12 Month Youth Certificate)** cd_12mo | — APY | 4.50% | 12 mo | Eligibility restricted | | **18-Month Certificate** cd_18mo | — APY | 4.50% | 18 mo | Standard | | **Youth Savings** savings | — APY | 5.00% | — | Eligibility restricted | | **Youth Savings*** savings | — APY | 5.00% | — | Eligibility restricted | Christian Financial Credit Union savings & cd rates as of November 12, 2026 ### Other rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Featured Rates** other | — % | 3.990% | — | Standard | | **Energy Smart Financing with Michigan Saves (Up to 120 Months)** other | — % | 6.240% | — | Standard | | **Energy Smart Financing with Michigan Saves (180 Months)** other | — % | 6.740% | — | Standard | | **Up to 84 Months (must be over $10,000)** other | — % | 7.740% | — | Standard | | **Debt Shed - Under $10,000** other | — % | 9.490% | — | Standard | | **Debt Shed - $10,000 to $15,000**** other | — % | 10.490% | — | Standard | Christian Financial Credit Union other rates as of November 12, 2026 As of November 12, 2026, Christian Financial Credit Union offers a 30-year fixed mortgage at 7.014% APR (0.125 points). > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/michigan/christian-financial) , verified from [Christian Financial Credit Union's official website](https://www.christianfinancialcu.com/) Best product position **Better than the Michigan median** 30-year fixed mortgage Gap to state best **37 bp** 37 bp from state best Vs. state median **6 bp better than median** 30-year fixed mortgage Products ranked **2** across tracked Michigan markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.01% | Better than the Michigan median | 37 bp from state best | 6 bp better than median | | 15-year fixed mortgage | 8.61% | Room to improve vs. the Michigan median | 200 bp from state best | 200 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Christian 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=christian-financial&state=michigan&code=MI&name=Christian%20Financial%20Credit%20Union) Loading branch locator… ## About Christian Financial Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 61.6K Assets $1.1B Founded 1967 Locations reported 13 NCUA charter 63805 Charter type Federally insured state-chartered 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 - Student scholarships 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. [**Lake Michigan** Sterling Heights · Sterling Heights · MI · 48312 About 0.1 miles away](https://rateapi.dev/credit-unions/michigan/lake-michigan) [**Alliance Catholic** Sterling Heights · Sterling Heights · MI · 48312 About 0.3 miles away](https://rateapi.dev/credit-unions/michigan/alliance-catholic) [**Credit Union One** CUO-Sterling Hts. · Sterling Heights · MI · 48312-3610 About 0.7 miles away](https://rateapi.dev/credit-unions/michigan/credit-union-one) [**Genisys** 19 Sterling Heights · Sterling Heights · MI · 48312 About 1.0 miles away](https://rateapi.dev/credit-unions/michigan/genisys) [**Freestar Financial** Sterling · Sterling Heights · MI · 48312 About 1.2 miles away](https://rateapi.dev/credit-unions/michigan/freestar-financial) [**Vibe** Sterling Heights Branch · Sterling Heights · MI · 48312-4641 About 1.4 miles away](https://rateapi.dev/credit-unions/michigan/vibe) 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 Christian Financial Credit Union Membership eligibility from Christian Financial Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Christian Financial Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [Christian Financial Credit Union's membership page](https://www.christianfinancialcu.com/) . Final membership determination is always made by the credit union. ## Work at Christian 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 Christian Financial Credit Union ranks against Michigan peers. - See which AI assistants fetched Christian 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=christian-financial&state=michigan&code=MI&name=Christian%20Financial%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Christian Financial Credit Union offer? Christian Financial Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Christian Financial Credit Union rates updated? RateAPI verifies Christian 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 Christian Financial Credit Union's rate data? Rate data is collected directly from Christian 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 Christian Financial Credit Union's mortgage rate? As of November 12, 2026, Christian Financial Credit Union offers a 30-year fixed mortgage at 7.014% APR. ### Who can join Christian Financial Credit Union? Christian Financial Credit Union publishes its membership criteria on its own website. ## Related Rate Data Compare Christian 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 auto loan rate leaders](https://rateapi.dev/auto-loan-rates/michigan) [Michigan HELOC rate leaders](https://rateapi.dev/heloc-rates/michigan) [Michigan personal loan leaders](https://rateapi.dev/personal-loan-rates/michigan) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [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.christianfinancialcu.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 Christian 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 Christian Financial Credit Union curl "https://api.rateapi.dev/credit-unions/michigan /christian-financial " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Christian Financial Credit Union locations Search, filter, and browse all 13 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/christian-financial Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp