Auto loans available from 3.99% APR. HELOC rates from 5.74% APR. Personal loan rates from 8.74% APR.
Source: RateAPI.dev, verified from Route 31's official website
Membership eligibility from Route 31's own published criteria. How we verify this.
Community charter: live/work in Muskegon, Ottawa, Oceana +14 more
Cost to join: About $6 (a $1 membership fee plus a $5 minimum deposit).
Verified from Route 31's membership page. Final membership determination is always made by the credit union.
Rates as of July 11, 2026
Rates as of July 11, 2026
Rates as of July 11, 2026
Route 31 currently offers 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.
RateAPI verifies Route 31's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 11, 2026.
Rate data is collected directly from Route 31's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
As of July 11, 2026, Route 31 offers auto loans from 3.99% APR.
Compare Route 31's rates against national credit-union benchmarks.
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceLearn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyAccess this data programmatically with our REST API
# Get rates for Route 31
curl "https://api.rateapi.dev/credit-unions/michigan/route-31" \
-H "Authorization: Bearer YOUR_API_KEY"