--- title: "Omni Community Credit Union Rates - Michigan" description: "Current auto loan, heloc, and personal loan rates from Omni Community Credit Union in Michigan. Updated daily with source verification. See who can join Omni Community Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/michigan/omni-community" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Omni Community Credit Union Rates - Michigan ### Auto & vehicle rates 3 offers | Product | Published | Rate | Term / condition | Status | | **2020 and Newer (Various terms)** auto | — APR | 4.990% | — | Standard | | **2017 to 2019 (Auto only)** auto | — APR | 6.740% | — | Standard | | **Other Secured - 2019 and Older** auto_used | — APR | 6.740% | used | Standard | Omni Community Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Fixed Rate: Second Lien 90% LTV** heloc_fixed | — APR | 6.500% | — | Standard | Omni Community Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Personal Line of Credit** ploc_variable | — APR | 4.990% | — | Standard | | **Share Secured (Various terms)** personal_secured | — APR | 5.250% | — | Standard | | **Home Improvement Loan** personal | — APR | 8.490% | — | Standard | | **Closed End Unsecured (Various terms)** personal_unsecured | — APR | 11.490% | — | Standard | | **Cash Reserve Line of Credit** ploc_variable | — APR | 14.950% | — | Standard | | **OMNI Fast Cash** personal | — APR | 22.990% | — | Standard | Omni Community Credit Union personal loan rates as of November 12, 2026 Omni Community Credit Union is a credit union in Michigan. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/michigan/omni-community) , verified from [Omni Community Credit Union's official website](https://www.omnicommunitycu.org/) Loading branch locator… ## About Omni Community Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 47K Assets $652.6M Founded 1952 Locations reported 12 NCUA charter 60105 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 - 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. [**Advia** Battle Creek - Capital Ave · Battle Creek · MI · 49015 About 1.8 miles away](https://rateapi.dev/credit-unions/michigan/advia) [**Honor** Honor Credit Union · Springfield · MI · 49037-7931 About 2.5 miles away](https://rateapi.dev/credit-unions/michigan/honor) [**Kellogg Community** Dickman · Springfield · MI · 49037-7939 About 2.8 miles away](https://rateapi.dev/credit-unions/michigan/kellogg-community) [**Consumers** Battle Creek · Battle Creek · MI · 49014-8367 About 2.9 miles away](https://rateapi.dev/credit-unions/michigan/consumers) [**Kalsee** Battle Creek Branch · Springfield · MI · 49037-4825 About 2.9 miles away](https://rateapi.dev/credit-unions/michigan/kalsee) [**Ignite** Administration Office · Battle Creek · MI · 49015 About 3.0 miles away](https://rateapi.dev/credit-unions/michigan/ignite) 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 Omni Community Credit Union Membership eligibility from Omni Community Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Community charter: live/work in Elkhart, LaGrange, St. Joseph, MI - Location Elkhart, LaGrange, St. Joseph — MI **Cost to join:** About $5. Verified from [Omni Community Credit Union's membership page](https://www.omnicommunitycu.org/aboutUs.php) . Final membership determination is always made by the credit union. ## Work at Omni Community 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 Omni Community Credit Union ranks against Michigan peers. - See which AI assistants fetched Omni Community 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=omni-community&state=michigan&code=MI&name=Omni%20Community%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Omni Community Credit Union offer? Omni Community Credit Union currently offers Auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Omni Community Credit Union rates updated? RateAPI verifies Omni Community 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 Omni Community Credit Union's rate data? Rate data is collected directly from Omni Community 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 Omni Community Credit Union? Community charter: live/work in Elkhart, LaGrange, St. Joseph, MI ## Related Rate Data Compare Omni Community 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.omnicommunitycu.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 Omni Community 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 Omni Community Credit Union curl "https://api.rateapi.dev/credit-unions/michigan /omni-community " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Omni Community Credit Union locations Search, filter, and browse all 12 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/omni-community Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp