--- title: "Jolt Credit Union Rates: Auto 8.05%, CDs to 3.94%, Mortgage 7.51%" description: "Jolt Credit Union rates today: 30 year fixed mortgage 7.51% APR, auto loans from 8.05% APR, savings & CDs up to 3.94% APY, personal loans from 11.88% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Jolt Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/michigan/jolt" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Jolt Credit Union Rates: Auto 8.05%, CDs to 3.94%, Mortgage 7.51% ### Mortgage rates 25 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed, Home Possible** 30 year fixed | — APR | 7.250% | — | Standard | | **VIEW OUR HOME LOAN RATES (30-Year Fixed, Home Possible)** 30 year fixed | 7.507% APR | 7.250% | — | Standard | | **VIEW OUR HOME LOAN RATES (30-Year Fixed)** 30 year fixed | 7.632% APR | 7.250% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 6.875% | — | Standard | | **VIEW OUR HOME LOAN RATES (15-Year Fixed)** 15 year fixed | 7.479% APR | 6.875% | — | Standard | | **20-Year Fixed** 20 year fixed | — APR | 7.125% | — | Standard | | **VIEW OUR HOME LOAN RATES (20-Year Fixed)** 20 year fixed | 7.616% APR | 7.125% | — | Standard | | **VIEW OUR HOME LOAN RATES (20% Down Payment Payments amortized 360 months)** other | — APR | 6.190% | — | Standard | | **10 Year Balloon** other | — APR | 6.190% | — | Standard | | **VIEW OUR HOME LOAN RATES (5% Down Payment Payments amortized 360 months)** other | — APR | 6.190% | — | Standard | | **MSHDA** other | — APR | 6.500% | — | Standard | | **MSHDA First-Time Homebuyer Rates (5% Down Payment Payments amortized 360 months)** other | — APR | 6.500% | — | Standard | | **VIEW OUR HOME LOAN RATES (10 Year Balloon)** other | 6.739% APR | 6.190% | — | Standard | | **VIEW OUR HOME LOAN RATES (5% Down Payment Payments amortized 180 months)** other | — APR | 6.875% | — | Standard | | **VIEW OUR HOME LOAN RATES (5% Down Payment Payments amortized 240 months)** other | — APR | 7.125% | — | Standard | | **MSHDA First-Time Homebuyer Rates (10% Down Payment Payments amortized 360 months)** other | — APR | 7.125% | — | Standard | | **VIEW OUR HOME LOAN RATES (10% Down Payment Payments amortized 360 months)** other | — APR | 7.125% | — | Standard | | **MSHDA with DPA**** other | — APR | 7.125% | — | Standard | | **VIEW OUR HOME LOAN RATES (MSHDA)** other | 7.127% APR | 6.500% | — | Standard | | **VIEW OUR HOME LOAN RATES (3% Down Payment Payments amortized 360 months)** other | — APR | 7.250% | — | Standard | | **VIEW OUR HOME LOAN RATES (MSHDA with DPA**)** other | 7.766% APR | 7.125% | — | Standard | | **Land Loan** other | — APR | 8.000% | — | Standard | | **VIEW OUR HOME LOAN RATES (20% Down Payment, Payments amortized up to 240 months)** other | — APR | 8.000% | — | Standard | | **VIEW OUR HOME LOAN RATES (Land Loan)** other | 9.478% APR | 8.000% | — | Standard | | **2024 Federal Taxable Income Brackets and Rates (for returns due in April 2025)** other | — APR | 10.000% | — | Standard | Jolt Credit Union mortgage rates as of November 13, 2026 ### Auto & vehicle rates 34 offers | Product | Published | Rate | Term / condition | Status | | **Up to 24-Month Used Auto Loan** auto_used_24mo | — APR | 3.350% | 24 mo · used | Standard | | **Used Auto Loan Rates - 90 Days No Payment* (2015 & Newer)** auto_used_36mo | — APR | 4.740% | 36 mo · used | Standard | | **New Auto Loan Rates - 90 Days No Payment* (2024 & Newer)** auto_new_36mo | — APR | 4.740% | 36 mo · new | Standard | | **New Auto Loans: 49 to 60 Months** auto_new_60mo | — APR | 4.793% | 60 mo · new | Standard | | **Used Auto Loans: 49 to 60 months** auto_used_60mo | — APR | 4.793% | 60 mo · used | Standard | | **New Auto Loans: 37 to 48 Months** auto_new_48mo | — APR | 4.805% | 48 mo · new | Standard | | **Used Auto Loans: 37 to 48 months** auto_used_48mo | — APR | 4.805% | 48 mo · used | Standard | | **Up to 36-Month Used Auto Loan** auto_used_36mo | — APR | 4.824% | 36 mo · used | Standard | | **Up to 36-Month New Auto Loan** auto_new_36mo | — APR | 4.824% | 36 mo · new | Standard | | **Used Auto Loan Rates - 90 Days No Payment* (2015 & Newer)** auto_used_66mo | — APR | 5.490% | 66 mo · used | Standard | | **New Auto Loan Rates - 90 Days No Payment* (2024 & Newer)** auto_new_72mo | — APR | 5.490% | 72 mo · new | Standard | | **Used Auto Loans: 61 to 72 months** auto_used_72mo | — APR | 5.536% | 72 mo · used | Standard | | **New Auto Loans: 61 to 72 months** auto_new_72mo | — APR | 5.536% | 72 mo · new | Standard | | **Used Auto Loans: 61 to 66 months** auto_used_66mo | — APR | 5.539% | 66 mo · used | Standard | | **New Auto Loan Rates - 90 Days No Payment* (2024 & Newer)** auto_new_84mo | — APR | 5.740% | 84 mo · new | Standard | | **73 to 84 Months (Minimum $10,000 Loan)** auto_any_84mo | — APR | 5.740% | 84 mo | Standard | | **Used Auto Loan Rates - 90 Days No Payment* (2021 & Newer)** auto_used_84mo | — APR | 5.740% | 84 mo · used | Standard | | **Used Auto Loans: 73 to 84 Months** auto_used_84mo | — APR | 5.780% | 84 mo · used | Standard | | **New Auto Loans: 73 to 84 Months** auto_new_84mo | — APR | 5.780% | 84 mo · new | Standard | | **First-Time Auto Buyer Program (Up to 60 Months)** auto_any_60mo | — APR | 6.740% | 60 mo | Context only | | **First-Time Auto Buyer Program (2015 – 2026)** auto_any_60mo | — APR | 6.740% | 60 mo | Context only | | **First-Time Auto Buyer Program: Up to 60 Months** auto_any_60mo | — APR | 6.797% | 60 mo | Standard | | **First-Time Auto Buyer Program (61 to 72 Months)** auto_any_72mo | — APR | 7.490% | 72 mo | Context only | | **First-Time Auto Buyer Program (2015 – 2026)** auto_any_72mo | — APR | 7.490% | 72 mo | Context only | | **First-Time Auto Buyer Program: 61 to 72 Months** auto_any_72mo | — APR | 7.539% | 72 mo | Standard | | **All Recreation Units 2015 or newer** auto_any_36mo | — APR | 7.990% | 36 mo | Standard | | **All Recreation Units 2015 or newer** auto_any_60mo | 8.049% APR | 7.990% | 60 mo | Standard | | **All Recreation Units 2015 or newer** auto_any_48mo | 8.111% APR | 7.990% | 48 mo | Standard | | **All Recreation Units 2015 or newer** auto_any_72mo | — APR | 8.490% | 72 mo | Standard | | **All Recreation Units 2021 or newer** auto_any_84mo | — APR | 8.750% | 84 mo | Standard | | **Miscellaneous - All Recreation Vehicles 73 to 84 Months** auto_any_84mo | — APR | 8.781% | 84 mo | Standard | | **All Recreation Units 2021 or newer** auto_any_120mo | — APR | 8.990% | 120 mo | Standard | | **Large Recreation Units 2021 or newer - $10,000 Minimum** auto_any_180mo | — APR | 9.990% | 180 mo | Standard | | **Miscellaneous - All Recreation Vehicles 121 to 180 Months** auto_any_180mo | — APR | 10.007% | 180 mo | Standard | Jolt Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | — APR | 7.000% | — | Standard | Jolt Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 16 offers | Product | Published | Rate | Term / condition | Status | | **Shared Secured Loan: Up to 12 months** personal_secured_12mo | — APR | 3.050% | 12 mo | Standard | | **Personal Loans (Share-Secure Loan)** personal_secured | — APR | 3.050% | — | Standard | | **Personal Loans (13 to 36 Months)** personal_unsecured_36mo | — APR | 4.050% | 36 mo | Standard | | **Shared Secured Loan: Up to 36 months** personal_secured_36mo | — APR | 4.050% | 36 mo | Standard | | **Technology Loan** personal | — APR | 5.250% | — | Standard | | **Signature Loan - $2,000 Minimum** personal_unsecured_60mo | — APR | 11.750% | 60 mo | Standard | | **Personal Loans (61 to 72 Months)** personal_unsecured_72mo | — APR | 11.750% | 72 mo | Standard | | **Personal Loans (12 to 60 Months)** personal_unsecured_60mo | — APR | 11.750% | 60 mo | Standard | | **Signature Loan - $10,000 Minimum** personal_unsecured | — APR | 11.750% | — | Standard | | **Signature Loan** personal_unsecured | — APR | 11.750% | — | Standard | | **Personal Loans (Signature Loan - $10,000 Minimum)** personal_unsecured | 11.882% APR | 11.750% | — | Standard | | **Signature Loan - $10,000 Minimum** personal_unsecured_72mo | 11.882% APR | 11.750% | 72 mo | Standard | | **Personal Loans (Signature Loan - $2,000 Minimum)** personal_unsecured | 11.904% APR | 11.750% | — | Standard | | **Share-Secure Loan** personal_secured | — APR | 11.904% | — | Standard | | **Up to 12-Month Unsecured Personal Loan** personal_unsecured_12mo | — APR | 18.990% | 12 mo | Standard | | **Personal Loans (Let's Go Loan**)** personal_unsecured | 18.990% APR | 18.990% | — | Standard | Jolt Credit Union personal loan rates as of November 13, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Balance Transfer Credit Card** credit_card_balance_transfer | — APR | 9.000% | — | Standard | | **Miscellaneous - Platinum VISA Credit Card** credit_card_platinum | — APR | 9.900% | — | Standard | Jolt Credit Union credit card rates as of November 13, 2026 ### Savings & CD rates 34 offers | Product | Published | Rate | Term / condition | Status | | **Traditional and Roth IRA Share Certificates ($1,000)** ira_cd_3mo | — APY | 0.50% | 3 mo | Standard | | **Certificate Account (Youth 3 Month**)** share_certificate_3mo | 0.50% APY | 0.50% | 3 mo | Eligibility restricted | | **Youth 3 Month**** cd_3mo | — APY | 0.50% | 3 mo | Eligibility restricted | | **Certificate Account (Youth 6 Month**)** share_certificate_6mo | 3.45% APY | 3.50% | 6 mo | Eligibility restricted | | **18-Month Certificate** share_certificate_18mo | 3.45% APY | 3.50% | 18 mo | Standard | | **Youth 6 Month**** cd_6mo | 3.45% APY | 3.50% | 6 mo | Eligibility restricted | | **Coverdell ESA Share Certificates (18 Month)** share_certificate_18mo | — APY | 3.50% | 18 mo | Standard | | **Traditional and Roth IRA Share Certificates ($1,000)** ira_cd_6mo | — APY | 3.50% | 6 mo | Standard | | **Coverdell ESA Share Certificates (6 Month)** share_certificate_6mo | — APY | 3.50% | 6 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 3.55% | 24 mo | Standard | | **24-Month Certificate** share_certificate_24mo | 3.55% APY | 3.60% | 24 mo | Standard | | **Traditional and Roth IRA Share Certificates ($1,000)** ira_cd_24mo | — APY | 3.60% | 24 mo | Standard | | **Coverdell ESA Share Certificates (24 Month)** share_certificate_24mo | — APY | 3.60% | 24 mo | Standard | | **12-Month Certificate** cd_12mo | 3.60% APY | 3.50% | 12 mo | Standard | | **30-Month Certificate** share_certificate_30mo | 3.70% APY | 3.75% | 30 mo | Standard | | **36-Month Certificate** share_certificate_36mo | 3.75% APY | 3.80% | 36 mo | Standard | | **Coverdell ESA Share Certificates (30 Month)** share_certificate_30mo | — APY | 3.75% | 30 mo | Standard | | **Traditional and Roth IRA Share Certificates ($1,000)** ira_cd_30mo | — APY | 3.75% | 30 mo | Standard | | **39 Month Bump Up** cd_39mo | 3.80% APY | 3.85% | 39 mo | Standard | | **Traditional and Roth IRA Share Certificates ($1,000)** ira_cd_36mo | — APY | 3.80% | 36 mo | Standard | | **Coverdell ESA Share Certificates (36 Month)** share_certificate_36mo | — APY | 3.80% | 36 mo | Standard | | **Certificate Account (39 Month Bump Up)** share_certificate_39mo | 3.80% APY | 3.85% | 39 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 3.84% | 48 mo | Standard | | **48-Month Certificate** share_certificate_48mo | 3.84% APY | 3.90% | 48 mo | Standard | | **Certificate Account ($1,000)** share_certificate_39mo | — APY | 3.85% | 39 mo | Standard | | **Traditional and Roth IRA Share Certificates ($1,000)** ira_cd_48mo | — APY | 3.90% | 48 mo | Standard | | **Coverdell ESA Share Certificates (48 Month)** share_certificate_48mo | — APY | 3.90% | 48 mo | Standard | | **Youth 12 Month**** cd_12mo | 3.94% APY | 4.00% | 12 mo | Eligibility restricted | | **60-Month Certificate** share_certificate_60mo | 3.94% APY | 4.00% | 60 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 3.94% | 60 mo | Standard | | **Certificate Account (Youth 12 Month**)** share_certificate_12mo | 3.94% APY | 4.00% | 12 mo | Eligibility restricted | | **Coverdell ESA Share Certificates (12 Month)** share_certificate_12mo | — APY | 4.00% | 12 mo | Standard | | **Traditional and Roth IRA Share Certificates ($1,000)** ira_cd_12mo | — APY | 4.00% | 12 mo | Standard | | **Coverdell ESA Share Certificates (60 Month)** share_certificate_60mo | — APY | 4.00% | 60 mo | Standard | Jolt Credit Union savings & cd rates as of November 13, 2026 ### Other rates 3 offers | Product | Published | Rate | Term / condition | Status | | **10-Year U.S. Inflation: Average 1.9%** other | — % | 0.100% | — | Standard | | **Let's Go Loan** other | — % | 18.990% | — | Standard | | **2024 Federal Taxable Income Brackets and Rates (for returns due in April 2025)** other | — % | 22.000% | — | Standard | Jolt Credit Union other rates as of November 13, 2026 As of November 13, 2026, Jolt Credit Union offers a 30-year fixed mortgage at 7.507% APR. Auto loans available from 8.049% APR for 60 months. Personal loan rates from 11.882% APR. Savings and certificate yields up to 3.94% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/michigan/jolt) , verified from [Jolt Credit Union's official website](https://www.joltcu.com/) Best product position **Room to improve vs. the Michigan median** 30-year fixed mortgage Gap to state best **86 bp** 86 bp from state best Vs. state median **44 bp behind median** 30-year fixed mortgage Products ranked **3** across tracked Michigan markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.51% | Room to improve vs. the Michigan median | 86 bp from state best | 44 bp behind median | | personal loan | 11.88% | Room to improve vs. the Michigan median | 938 bp from state best | 189 bp behind median | | 15-year fixed mortgage | 7.48% | Room to improve vs. the Michigan median | 87 bp from state best | 87 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Jolt 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=jolt&state=michigan&code=MI&name=Jolt%20Credit%20Union) Loading branch locator… ## About Jolt Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 27.4K Assets $483.4M Founded 1956 Locations reported 5 NCUA charter 68703 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 - First-time homebuyer program - 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 Huron** Shattuck Branch · Saginaw · MI · 48603 About 0.5 miles away](https://rateapi.dev/credit-unions/michigan/lake-huron) [**Wildfire** Heritage High School Branch (Restricted Access) · Saginaw · MI · 48603-1863 About 0.7 miles away](https://rateapi.dev/credit-unions/michigan/wildfire) [**Lake Michigan** Saginaw · Saginaw · MI · 48603 About 1.6 miles away](https://rateapi.dev/credit-unions/michigan/lake-michigan) [**Team One** SAGINAW TOWNSHIP · SAGINAW · MI · 48603 About 1.7 miles away](https://rateapi.dev/credit-unions/michigan/team-one) [**Financial Plus** WCU - Shattuck Branch · Saginaw · MI · 48603-3075 About 1.8 miles away](https://rateapi.dev/credit-unions/michigan/financial-plus) [**United Financial** UNITED FINANCIAL CREDIT UNION · Saginaw · MI · 48603 About 1.8 miles away](https://rateapi.dev/credit-unions/michigan/united-financial) 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 Jolt Credit Union Membership eligibility from Jolt Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Jolt Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [Jolt Credit Union's membership page](https://www.joltcu.com/becoming-a-member) . Final membership determination is always made by the credit union. ## Membership rules for Jolt Credit Union Employers · Family 2 3 published paths to membership, last verified August 21, 2026, quoted from Jolt Credit Union’s own published criteria. ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Jolt Credit Union “Employees of the Credit Union” > [source ↗](https://www.joltcu.com/becoming-a-member) - Employee of Jolt Credit Union ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member blood relative, marriage relative, adoption relative, household member “Members and immediate families of current members (relatives by blood, marriage or adoption, or any individual living in the same household as the member)” > [source ↗](https://www.joltcu.com/becoming-a-member) - Family member (blood relative, marriage relative, adoption relative, household member) of a member - Family of a member spouse “A spouse of a deceased member if accepted into membership prior to remarriage” > [source ↗](https://www.joltcu.com/becoming-a-member) - Family member (spouse) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Jolt Credit Union? Yes No ## Work at Jolt 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 Jolt Credit Union ranks against Michigan peers. - See which AI assistants fetched Jolt 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=jolt&state=michigan&code=MI&name=Jolt%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Jolt Credit Union offer? Jolt Credit Union currently offers mortgage, Auto loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Jolt Credit Union rates updated? RateAPI verifies Jolt Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Jolt Credit Union's rate data? Rate data is collected directly from Jolt 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 Jolt Credit Union's mortgage rate? As of November 13, 2026, Jolt Credit Union offers a 30-year fixed mortgage at 7.507% APR. ### What are Jolt Credit Union's auto loan rates? As of November 13, 2026, Jolt Credit Union offers auto loans from 8.049% APR. ### What is Jolt Credit Union's personal loan rate? As of November 13, 2026, Jolt Credit Union offers personal loans from 11.882% APR. ### What is Jolt Credit Union's best CD rate? As of November 13, 2026, Jolt Credit Union offers savings and certificate (CD) yields up to 3.94% APY. ### Who can join Jolt Credit Union? Jolt Credit Union publishes its membership criteria on its own website. RateAPI tracks 3 published membership paths covering 1 employer for Jolt Credit Union, each quoted from Jolt Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Jolt 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.joltcu.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 Jolt 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 Jolt Credit Union curl "https://api.rateapi.dev/credit-unions/michigan /jolt " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Jolt 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/jolt Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp