Straits Area Credit Union
Verified rate book
Current Straits Area Credit Union rates
10 published offers verified as of August 4, 2026.
Auto & vehicle rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 108-Month New Auto Loanauto_new_108mo | 4.250% APR | 4.250% | 108 mo · new | Standard |
| 108-Month Used Auto Loanauto_used_108mo | 4.750% APR | 4.750% | 108 mo · used | Standard |
| Used Rec Vehicleauto_used_180mo | 5.750% APR | 5.750% | 180 mo · used | Standard |
| New Rec Vehicleauto_new_180mo | 5.750% APR | 5.750% | 180 mo · new | Standard |
Personal loan rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 120-Month Share-Secured Loanpersonal_secured_120mo | 3.000% APR | 3.000% | 120 mo | Standard |
| Debt Consolidation Loanpersonal | 9.250% APR | 9.250% | — | Standard |
Savings & CD rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| CA: 1 Yearcd_12mo | 1.16% APY | 1.16% | 12 mo | Standard |
| CA: 2 Yearcd_24mo | 1.26% APY | 1.26% | 24 mo | Standard |
| CA: 3 Yearcd_36mo | 1.36% APY | 1.36% | 36 mo | Standard |
| CA: 6 Month Special**cd_6mo | 3.79% APY | 3.79% | 6 mo | Standard |
Auto loans available from 4.25% APR for 108 months. Personal loan rates from 3% APR. Savings and certificate yields up to 3.79% APY.
Source: RateAPI.dev, verified from Straits Area Credit Union's official website
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About Straits Area Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 12.1K
- Assets
- $130.5M
- Founded
- 1951
- Locations reported
- 4
- NCUA charter
- 7428
- Charter type
- Federal 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
- Payday Alternative Loans I
Source: NCUA quarterly call report. 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.
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 Straits Area Credit Union
Membership eligibility from Straits Area Credit Union's own published criteria. How we verify this.
Membership criteria are published on Straits Area Credit Union's website. Check the membership page below to confirm whether you qualify.
- LocationCheboygan, Emmet, Kent — MI
Verified from Straits Area Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Straits Area Credit Union?
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Frequently Asked Questions
What rates does Straits Area Credit Union offer?
Straits Area Credit Union currently offers Auto loan, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Straits Area Credit Union rates updated?
RateAPI verifies Straits Area Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Straits Area Credit Union's rate data?
Rate data is collected directly from Straits Area Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What are Straits Area Credit Union's auto loan rates?
As of August 4, 2026, Straits Area Credit Union offers auto loans from 4.25% APR.
What is Straits Area Credit Union's personal loan rate?
As of August 4, 2026, Straits Area Credit Union offers personal loans from 3% APR.
What is Straits Area Credit Union's best CD rate?
As of August 4, 2026, Straits Area Credit Union offers savings and certificate (CD) yields up to 3.79% APY.
Related Rate Data
Compare Straits Area Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyTrack Straits Area Credit Union rates
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Use it via API
Access this data programmatically with our REST API
# Get rates for Straits Area Credit Union
curl "https://api.rateapi.dev/credit-unions/michigan/straits-area" \
-H "Authorization: Bearer YOUR_API_KEY"