Christian Financial

sterling height, Michigan
Last verified: July 11, 2026

As of July 11, 2026, Christian Financial offers a 30-year-fixed mortgage at 6.506% APR (6.375% rate, 0.125 points). Auto loans available from 4.74% APR. HELOC rates from 5.75% APR. Personal loan rates from 6.49% APR.

Source: RateAPI.dev, verified from Christian Financial's official website

Who Can Join Christian Financial

Membership eligibility from Christian Financial's own published criteria. How we verify this.

Membership criteria are published on Christian Financial's website. Check the membership page below to confirm whether you qualify.

Verified from Christian Financial's membership page. Final membership determination is always made by the credit union.

Mortgage Rates

Rates as of July 11, 2026

30-year-fixed
6.506% APR
Rate6.375%
Points0.125
30-Year Fixed Mortgage
30-year-fixed
6.508% APR
Rate6.375%
Points0
30-Year Fixed Rate
cd_24mo
4.200% APR
Rate4.200%
Points0
24-month CD
cd_24mo
4.200% APR
Rate4.200%
Points0
[PROMOTIONAL] 24-month CD
savings
5.000% APR
Rate5.000%
Points0
Youth Savings account
savings
5.000% APR
Rate5.000%
Points0
Youth Savings
savings
5.000% APR
Rate5.000%
Points0
[PROMOTIONAL] Youth Savings
ploc_variable
11.490% APR
Rate11.490%
Points0
[PROMOTIONAL] Line of Credit

Auto Loan Rates

Rates as of July 11, 2026

auto_any_60mo
4.740% APR
Rate4.740%
Auto Loans '16 - '21 (12 - 60 months)
auto_any_60mo
4.740% APR
Rate4.740%
Auto Loans '16 – '21 (12 – 60 months)
auto_any_60mo
4.740% APR
Rate4.740%
Auto Loans '22 - '26 (12 - 60 months)
auto_any_60mo
4.740% APR
Rate4.740%
Auto Loans '22 – '26 (12 – 60 months)
auto
4.740% APR
Rate4.740%
[PROMOTIONAL] Auto Loan
auto_any_60mo
4.740% APR
Rate4.740%
Auto Loans '16 - '21 (12-60 months)
auto_any_60mo
4.740% APR
Rate4.740%
Auto Loans '22 - '26 (12-60 months)
auto
4.990% APR
Rate4.990%
Boat Loans
auto_any_120mo
4.990% APR
Rate4.990%
Boat & Recreational Vehicle Loans (Up to 120 months)
auto
4.990% APR
Rate4.990%
[PROMOTIONAL] Boat Loan
auto
4.990% APR
Rate4.990%
[PROMOTIONAL] Boat Loans
auto
4.990% APR
Rate4.990%
[PROMOTIONAL] RV Loan
auto_any_120mo
4.990% APR
Rate4.990%
Boat & RV Loans (Up to 120 months)
auto_any_75mo
5.240% APR
Rate5.240%
Auto Loans '16 - '21 (61 - 75 months)
auto_any_75mo
5.240% APR
Rate5.240%
Auto Loans '16 – '21 (61 – 75 months)
auto_any_75mo
5.240% APR
Rate5.240%
Auto Loans '22 - '26 (61 - 75 months)
auto_any_75mo
5.240% APR
Rate5.240%
Auto Loans '22 – '26 (61 – 75 months)
auto_any_75mo
5.240% APR
Rate5.240%
Auto Loans '16 - '21 (61-75 months)
auto_any_75mo
5.240% APR
Rate5.240%
Auto Loans '22 - '26 (61-75 months)
auto_any_84mo
5.490% APR
Rate5.490%
Auto Loans '16 - '21 (76 - 84 months)
auto_any_84mo
5.490% APR
Rate5.490%
Auto Loans '16 – '21 (76 – 84 months)
auto_any_84mo
5.490% APR
Rate5.490%
Auto Loans '22 - '26 (76 - 84 months)
auto_any_84mo
5.490% APR
Rate5.490%
Auto Loans '22 – '26 (76 – 84 months)
auto_any_84mo
5.490% APR
Rate5.490%
Auto Loans '16 - '21 (76-84 months)
auto_any_84mo
5.490% APR
Rate5.490%
Auto Loans '22 - '26 (76-84 months)
auto
5.750% APR
Rate5.750%
Boat & Recreational Vehicle Loans (Up to 180 months)
auto
5.750% APR
Rate5.750%
Boat & Recreational Vehicle Loans (Up to 240 months)
auto
5.750% APR
Rate5.750%
Boat & RV Loans (Up to 180 months)
auto
5.750% APR
Rate5.750%
Boat & RV Loans (Up to 240 months)
auto_any_60mo
6.740% APR
Rate6.740%
Powersport Loans (Up to 60 Months)
auto_any_60mo
6.740% APR
Rate6.740%
Powersport Loans (Up to 60 months)
auto_any_84mo
7.740% APR
Rate7.740%
Powersport Loans (Up to 84 Months)
auto_any_84mo
7.740% APR
Rate7.740%
Powersport Loans (Up to 84 months)
credit_card_platinum
8.900% APR
Rate8.900%
Visa Platinum Credit Card
auto_any_60mo
8.990% APR
Rate8.990%
Auto Rates - up to '15 (12 - 60 months)
auto_any_60mo
8.990% APR
Rate8.990%
Auto Rates – up to '15 (12 – 60 months)
auto
8.990% APR
Rate8.990%
Auto Rates - up to '15
credit_card_platinum
9.900% APR
Rate9.900%
Visa Signature Credit Card
credit_card_business
12.000% APR
Rate12.000%
Visa Business Credit Card

HELOC Rates

Rates as of July 11, 2026

heloc_variable
5.750% APR
Rate5.750%
Home Equity Line of Credit

Personal Loan Rates

Rates as of July 11, 2026

personal_unsecured_120mo
6.490% APR
Rate6.490%
Energy Smart Financing (Up to 120 Months)
personal_unsecured_120mo
6.490% APR
Rate6.490%
Energy Smart Financing (Up to 120 months)
personal
6.740% APR
Rate6.740%
Certificate Pledged Loan
personal
6.740% APR
Rate6.740%
Savings Pledged Loan
personal_secured
6.740% APR
Rate6.740%
[PROMOTIONAL] Savings Secured Loan
personal
6.990% APR
Rate6.990%
Energy Smart Financing (180 Months)
personal
6.990% APR
Rate6.990%
Energy Smart Financing (180 months)
personal
9.490% APR
Rate9.490%
Debt Shed - Under $10,000
personal
9.490% APR
Rate9.490%
[PROMOTIONAL] Debt Shed
personal_unsecured
9.990% APR
Rate9.990%
Seasonal Personal Loan
personal
9.990% APR
Rate9.990%
[PROMOTIONAL] Seasonal Loan
personal
10.490% APR
Rate10.490%
Debt Shed - $10,000 to $15,000
personal_unsecured
10.490% APR
Rate10.490%
Personal Loan
personal_unsecured
10.490% APR
Rate10.490%
[PROMOTIONAL] Personal Loan
ploc_variable
11.490% APR
Rate11.490%
Personal Line of Credit

Frequently Asked Questions

What rates does Christian Financial offer?

Christian Financial currently offers mortgage, auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified July 11, 2026 directly from the credit union's official website.

How often are Christian Financial rates updated?

RateAPI verifies Christian Financial's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 11, 2026.

Where does RateAPI get Christian Financial's rate data?

Rate data is collected directly from Christian Financial'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's mortgage rate?

As of July 11, 2026, Christian Financial offers a 30-year-fixed mortgage at 6.506% APR.

What is Christian Financial's auto loan rate?

As of July 11, 2026, Christian Financial offers auto loans from 4.74% APR.

Related Rate Data

Compare Christian Financial's rates against national credit-union benchmarks.

More Michigan credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

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Access this data programmatically with our REST API

terminal
# Get rates for Christian Financial
curl "https://api.rateapi.dev/credit-unions/michigan/christian-financial" \
  -H "Authorization: Bearer YOUR_API_KEY"
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