--- title: "Michigan Educational Credit Union Rates - Michigan" description: "Current vehicle loan, heloc, personal loan, and savings & cd rates from Michigan Educational Credit Union in Michigan. Updated daily with source verification. See who can join Michigan Educational Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/michigan/michigan-educational" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Michigan Educational Credit Union Rates - Michigan ### Auto & vehicle rates 12 offers | Product | Published | Rate | Term / condition | Status | | **Auto Loan** auto | — APR | 4.490% | — | Standard | | **2027 - 2002 Automobiles (100% Financed) (Up to 36 Months)** auto_any_36mo | — APR | 4.490% | 36 mo | Standard | | **2027 - 2002 Automobiles (100% Financed) (48 Months)** auto_any_48mo | — APR | 4.990% | 48 mo | Standard | | **2027 - 2002 Automobiles (100% Financed) (60 Months)** auto_any_60mo | — APR | 5.240% | 60 mo | Standard | | **New and Used Motorcycles, Snowmobiles, Personal Watercraft (Up to 60 months)** motorcycle_any_60mo | — APR | 5.490% | 60 mo · any | Standard | | **New & Used Motor Homes, Travel Trailers, Boats & RVs (Up to 84 months)** rv_any_84mo | — APR | 5.490% | 84 mo · any | Standard | | **2027 - 2002 Automobiles (100% Financed) (72 Months)** auto_any_72mo | — APR | 5.490% | 72 mo | Standard | | **New and Used Motorcycles, Snowmobiles, Personal Watercraft (61 - 72 months)** motorcycle_any_72mo | — APR | 5.740% | 72 mo · any | Standard | | **2027 - 2002 Automobiles (100% Financed) (84 Months)** auto_any_84mo | — APR | 5.740% | 84 mo | Standard | | **New and Used Motorcycles, Snowmobiles, Personal Watercraft (73 - 84 months)** motorcycle_any_84mo | — APR | 5.990% | 84 mo · any | Standard | | **New & Used Motor Homes, Travel Trailers, Boats & RVs (85 - 120 months)** rv_any_120mo | — APR | 5.990% | 120 mo · any | Standard | | **New & Used Motor Homes, Travel Trailers, Boats & RVs (121 - 180 months)** rv_any_180mo | — APR | 6.490% | 180 mo · any | Standard | Michigan Educational Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 6 offers | Product | Published | Rate | Term / condition | Status | | **$50,000 And Greater** heloc | — APR | 6.000% | — | Standard | | **Variable Rate Home Equity Loans ($50,000 and greater)** heloc_variable | — APR | 6.000% | — | Standard | | **5-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 6.500% | — | Standard | | **Variable Rate Home Equity Loans ($10,000 to $49,999)** heloc_variable | — APR | 6.500% | — | Standard | | **10-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 7.000% | — | Standard | | **15-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 7.500% | — | Standard | Michigan Educational Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Home Improvement (60 Months)** personal_unsecured_60mo | — APR | 8.750% | 60 mo | Standard | | **Personal Installment Loans (Up to 60 Months)** personal_unsecured_60mo | — APR | 8.950% | 60 mo | Standard | | **Home Improvement (84 Months)** personal_unsecured_84mo | — APR | 9.250% | 84 mo | Standard | | **Home Improvement (108 Months)** personal_unsecured_108mo | — APR | 9.750% | 108 mo | Standard | Michigan Educational Credit Union personal loan rates as of November 13, 2026 ### Savings & CD rates 14 offers | Product | Published | Rate | Term / condition | Status | | **91 Days** savings | — APY | 2.50% | — | Standard | | **Share Certificates (91 Days)** share_certificate | — APY | 2.50% | — | Standard | | **18-Month Certificate** share_certificate_18mo | — APY | 3.30% | 18 mo | Standard | | **24-Month Certificate** share_certificate_24mo | — APY | 3.40% | 24 mo | Standard | | **182 Days** savings | — APY | 3.50% | — | Standard | | **30-Month Certificate** share_certificate_30mo | — APY | 3.50% | 30 mo | Standard | | **Share Certificates (182 Days)** share_certificate | — APY | 3.50% | — | Standard | | **36-Month Certificate** share_certificate_36mo | — APY | 3.65% | 36 mo | Standard | | **48-Month Certificate** share_certificate_48mo | — APY | 3.75% | 48 mo | Standard | | **60-Month Certificate** share_certificate_60mo | — APY | 3.85% | 60 mo | Standard | | **Share Certificates (365 Days)** share_certificate | — APY | 4.00% | — | Standard | | **365 Days** savings | — APY | 4.00% | — | Standard | | **72-Month Certificate** cd_72mo | — APY | 5.49% | 72 mo | Standard | | **84-Month Certificate** cd_84mo | — APY | 5.74% | 84 mo | Standard | Michigan Educational Credit Union savings & cd rates as of November 13, 2026 Michigan Educational Credit Union is a credit union in Michigan. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/michigan/michigan-educational) , verified from [Michigan Educational Credit Union's official website](https://www.michedcu.org/) Loading branch locator… ## About Michigan Educational Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 48K Assets $1.1B Founded 1942 Locations reported 7 NCUA charter 60931 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 - First-time homebuyer program 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. [**University of Michigan** Northville Township · Northville · MI · 48168 About 2.6 miles away](https://rateapi.dev/credit-unions/michigan/university-of-michigan) [**Christian Financial** Plymouth · Plymouth · MI · 48170 About 3.0 miles away](https://rateapi.dev/credit-unions/michigan/christian-financial) [**Community Financial** CORPORATE OFFICE PLYMOUTH · PLYMOUTH · MI · 48170-1759 About 3.2 miles away](https://rateapi.dev/credit-unions/michigan/community-financial) [**DFCU Financial** DFCU - Plymouth Township · Plymouth · MI · 48170-2126 About 3.3 miles away](https://rateapi.dev/credit-unions/michigan/dfcu-financial) [**Vibe** Canton Branch · Canton · MI · 48187 About 3.6 miles away](https://rateapi.dev/credit-unions/michigan/vibe) [**Lake Trust** Plymouth Town Center · Plymouth · MI · 48170-2220 About 3.7 miles away](https://rateapi.dev/credit-unions/michigan/lake-trust) 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 Michigan Educational Credit Union Membership eligibility from Michigan Educational Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Michigan Educational Credit Union's website. Check the membership page below to confirm whether you qualify. - Location wayne, washtenaw, oakland, macomb, livingston, jackson — MI Verified from [Michigan Educational Credit Union's membership page](https://www.michedcu.org/about-us/membership) . Final membership determination is always made by the credit union. ## Membership rules for Michigan Educational Credit Union Geography 6 counties · Employers 12 · Family 3 19 published paths to membership, last verified August 27, 2026, quoted from Michigan Educational Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - MI “Today, Michigan Educational Credit Union membership is open to anyone who lives, works, worships, or attends school anywhere in the State of Michigan.” > [source ↗](https://www.michedcu.org/about-us/membership) ### Employers 12 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Belongs to educational institutions (as written on the source page) - Lives in county:MI:wayne “Membership is also available to employees and retirees of educational institutions located in Wayne, Washtenaw, Oakland, Macomb, Livingston, and Jackson counties” > [source ↗](https://www.michedcu.org/about-us/membership) - Employee of educational institutions (class, not a named organization) and Lives in Wayne County, MI - Belongs to educational institutions (as written on the source page) - Lives in county:MI:washtenaw “Membership is also available to employees and retirees of educational institutions located in Wayne, Washtenaw, Oakland, Macomb, Livingston, and Jackson counties” > [source ↗](https://www.michedcu.org/about-us/membership) - Employee of educational institutions (class, not a named organization) and Lives in Washtenaw County, MI - Belongs to educational institutions (as written on the source page) - Lives in county:MI:oakland “Membership is also available to employees and retirees of educational institutions located in Wayne, Washtenaw, Oakland, Macomb, Livingston, and Jackson counties” > [source ↗](https://www.michedcu.org/about-us/membership) - Employee of educational institutions (class, not a named organization) and Lives in Oakland County, MI - Belongs to educational institutions (as written on the source page) - Lives in county:MI:macomb “Membership is also available to employees and retirees of educational institutions located in Wayne, Washtenaw, Oakland, Macomb, Livingston, and Jackson counties” > [source ↗](https://www.michedcu.org/about-us/membership) - Employee of educational institutions (class, not a named organization) and Lives in Macomb County, MI - Belongs to educational institutions (as written on the source page) - Lives in county:MI:livingston “Membership is also available to employees and retirees of educational institutions located in Wayne, Washtenaw, Oakland, Macomb, Livingston, and Jackson counties” > [source ↗](https://www.michedcu.org/about-us/membership) - Employee of educational institutions (class, not a named organization) and Lives in Livingston County, MI - Belongs to educational institutions (as written on the source page) - Lives in county:MI:jackson “Membership is also available to employees and retirees of educational institutions located in Wayne, Washtenaw, Oakland, Macomb, Livingston, and Jackson counties” > [source ↗](https://www.michedcu.org/about-us/membership) - Employee of educational institutions (class, not a named organization) and Lives in Jackson County, MI - Belongs to educational institutions (as written on the source page) - Lives in county:MI:wayne “Membership is also available to employees and retirees of educational institutions located in Wayne, Washtenaw, Oakland, Macomb, Livingston, and Jackson counties” > [source ↗](https://www.michedcu.org/about-us/membership) - Retiree of educational institutions (class, not a named organization) and Lives in Wayne County, MI - Belongs to educational institutions (as written on the source page) - Lives in county:MI:washtenaw “Membership is also available to employees and retirees of educational institutions located in Wayne, Washtenaw, Oakland, Macomb, Livingston, and Jackson counties” > [source ↗](https://www.michedcu.org/about-us/membership) - Retiree of educational institutions (class, not a named organization) and Lives in Washtenaw County, MI - Belongs to educational institutions (as written on the source page) - Lives in county:MI:oakland “Membership is also available to employees and retirees of educational institutions located in Wayne, Washtenaw, Oakland, Macomb, Livingston, and Jackson counties” > [source ↗](https://www.michedcu.org/about-us/membership) - Retiree of educational institutions (class, not a named organization) and Lives in Oakland County, MI - Belongs to educational institutions (as written on the source page) - Lives in county:MI:macomb “Membership is also available to employees and retirees of educational institutions located in Wayne, Washtenaw, Oakland, Macomb, Livingston, and Jackson counties” > [source ↗](https://www.michedcu.org/about-us/membership) - Retiree of educational institutions (class, not a named organization) and Lives in Macomb County, MI - Belongs to educational institutions (as written on the source page) - Lives in county:MI:livingston “Membership is also available to employees and retirees of educational institutions located in Wayne, Washtenaw, Oakland, Macomb, Livingston, and Jackson counties” > [source ↗](https://www.michedcu.org/about-us/membership) - Retiree of educational institutions (class, not a named organization) and Lives in Livingston County, MI - Belongs to educational institutions (as written on the source page) - Lives in county:MI:jackson “Membership is also available to employees and retirees of educational institutions located in Wayne, Washtenaw, Oakland, Macomb, Livingston, and Jackson counties” > [source ↗](https://www.michedcu.org/about-us/membership) - Retiree of educational institutions (class, not a named organization) and Lives in Jackson County, MI ### Family 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member immediate family member “and immediate family members of eligible members.” > [source ↗](https://www.michedcu.org/about-us/membership) - Family member (immediate family member) of a member - Family of someone eligible immediate family “Membership is also available to employees and retirees of educational institutions located in Wayne, Washtenaw, Oakland, Macomb, Livingston, and Jackson counties, and immediate family members of eligible members.” > [source ↗](https://www.michedcu.org/about-us/membership) - Family member (immediate family) of an eligible person - Family of a member family “Once you join, your family members are also eligible to join, including relatives by blood or marriage.” > [source ↗](https://www.michedcu.org/about-us/membership) - Family member (family) 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 Michigan Educational Credit Union? Yes No ## Work at Michigan Educational 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 Michigan Educational Credit Union ranks against Michigan peers. - See which AI assistants fetched Michigan Educational 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=michigan-educational&state=michigan&code=MI&name=Michigan%20Educational%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Michigan Educational Credit Union offer? Michigan Educational Credit Union currently offers vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Michigan Educational Credit Union rates updated? RateAPI verifies Michigan Educational 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 Michigan Educational Credit Union's rate data? Rate data is collected directly from Michigan Educational Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Michigan Educational Credit Union? Michigan Educational Credit Union publishes its membership criteria on its own website. RateAPI tracks 19 published membership paths covering 6 counties and 12 employers for Michigan Educational Credit Union, each quoted from Michigan Educational Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Michigan Educational Credit Union's rates against national credit-union benchmarks. [More Michigan credit unions](https://rateapi.dev/credit-unions/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) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-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.michedcu.org/) ### 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 Michigan Educational 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 Michigan Educational Credit Union curl "https://api.rateapi.dev/credit-unions/michigan /michigan-educational " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Michigan Educational Credit Union locations Search, filter, and browse all 7 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/michigan-educational Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp