Team One Credit Union

Saginaw, Michigan
Last verified: August 4, 2026
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Verified rate book

Current Team One Credit Union rates

47 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

10 offers
Team One Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
30-Year Fixed30 year fixed6.868% APR6.625%—Standard
15-Year Fixed15 year fixed6.269% APR6.000%—Standard
20-Year Fixed20 year fixed6.000% APR6.000%—Standard
10-Year Fixed10 year fixed6.487% APR6.125%—Standard
20-Year Fixed20 year fixed6.869% APR6.625%—Standard
Mortgageother5.000% APR5.000%—Standard
Mortgageother6.130% APR6.130%—Standard
Vacant Land (5 Year)other6.990% APR6.990%—Standard
Vacant Land (7 Year)other7.240% APR7.240%—Standard
Vacant Land (10 Year)other7.740% APR7.740%—Standard

Auto & vehicle rates

16 offers
Team One Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Auto Loanauto5.000% APR5.000%—Standard
Up to 60-Month Auto Loanauto_any_60mo5.240% APR5.240%60 moStandard
Auto Loanauto5.240% APR5.240%—Standard
Auto Loan (61-72 months (current plus 6 model years old))auto_any_72mo5.500% APR5.500%72 moStandard
Recreationalpowersports_any_120mo6.125% APR6.125%120 moStandard
Auto Loan (Up to 84 months ($25,000 min; current plus 2 model year old))auto_any_84mo6.240% APR6.240%84 moStandard
Auto Loan (Up to 120 months ($100,000 min, Electric and Hybrid only))auto_any_120mo6.490% APR6.490%120 moStandard
Recreationalpowersports7.500% APR7.500%—Standard
Recreational Loans (0 to 60 months)powersports_any_60mo7.500% APR7.500%60 moStandard
Recreational Loans (61 to 84 months)powersports_any_84mo8.000% APR8.000%84 moStandard
Recreational Loans (85 to 120 months)powersports_any_120mo8.500% APR8.500%120 moStandard
Sports Vehicle (0 to 36 Months)auto_any_36mo8.750% APR8.750%36 moStandard
Sports Vehicle (37 to 48 Months)auto_any_48mo9.000% APR9.000%48 moStandard
Sports Vehicle (49 to 60 Months)auto_any_60mo9.250% APR9.250%60 moStandard
Sports Vehicle (61 to 84 Months)auto_any_84mo9.500% APR9.500%84 moStandard
Recreational Loans (121 to 180 months ($25,000 minimum))powersports_any_180mo9.500% APR9.500%180 moStandard

HELOC rates

8 offers
Team One Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
5-Year Home Equity Loanheloc6.990% APR6.990%—Standard
5 Year Fixed Home Equity (LTV 80% or Less)heloc_fixed6.990% APR6.990%—Standard
5-Year Home Equity Loan (Fixed)heloc_fixed6.990% APR6.990%—Standard
10-Year Home Equity Loanheloc7.490% APR7.490%—Standard
10 Year Fixed Home Equity (LTV 80% or Less)heloc_fixed7.490% APR7.490%—Standard
15-Year Home Equity Loan (Fixed)heloc_fixed7.990% APR7.990%—Standard
15 Year Fixed Home Equity (LTV 80% or Less)heloc_fixed7.990% APR7.990%—Standard
15-Year Home Equity Loanheloc7.990% APR7.990%—Standard

Personal loan rates

7 offers
Team One Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Unsecured Personal Loanpersonal_unsecured5.000% APR5.000%—Standard
Unsecured Personal Loanpersonal_unsecured10.740% APR10.740%—Standard
Personal Loanpersonal10.740% APR10.740%—Standard
Up to 36-Month Unsecured Personal Loanpersonal_unsecured_36mo10.740% APR10.740%36 moStandard
Personal Loan (37–60 month)personal_unsecured_60mo11.490% APR11.490%60 moStandard
Personal Loan (61–84 months ($15,000 minimum))personal_unsecured_84mo12.490% APR12.490%84 moStandard
Grand Whatever Loanpersonal24.800% APR15.590%—Standard

Credit card rates

5 offers
Team One Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Platinum Credit Cardcredit_card_platinum8.900% APR8.900%—Standard
Commercial Visa Credit Cardcredit_card10.900% APR10.900%—Standard
Visa Platinum w/ Cash Back Rewardscredit_card_cash_back10.900% APR10.900%—Standard
Visa Platinum w/ ScoreCard Rewardscredit_card_rewards10.900% APR10.900%—Standard
New Beginnings Visacredit_card16.900% APR16.900%—Standard

Other rates

1 offer
Team One Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Miscellaneous Loans (24.90 %*)other15.590% %15.590%—Standard

As of August 4, 2026, Team One Credit Union offers a 30-year fixed mortgage at 6.868% APR. Vehicle loans available from 5% APR. HELOC rates from 6.99% APR. Personal loan rates from 5% APR. Credit card rates from 8.9% APR.

Source: RateAPI.dev, verified from Team One Credit Union's official website

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About Team One Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
46.9K
Assets
$767.4M
Founded
1935
Locations reported
12
NCUA charter
62141
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 education
  • First-time homebuyer program
  • Student scholarships

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.

FrankenmuthSVRC · Saginaw · MI · 48607Branch in the same ZIPConsumers ProfessionalCPCU Saginaw · Saginaw · MI · 48602-4071About 2.2 miles awayFamily FirstSaginaw Office · Saginaw · MI · 48602-4326About 2.2 miles awayHealth AdvantageMICHIGAN OFFICE · SAGINAW · MI · 48602-4734About 2.2 miles awayUnited FinancialUNITED FINANCIAL CREDIT UNION · Saginaw · MI · 48602About 2.2 miles awayFinancial PlusWCU - Bagley Branch · Saginaw · MI · 48601-3107About 3.4 miles away

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 Team One Credit Union

Membership eligibility from Team One Credit Union's own published criteria. How we verify this.

Community charter: live/work in Lee, Collier, MI

  • LocationLee, Collier — MI

Cost to join: About $5.

Verified from Team One Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Team One 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 Team One Credit Union ranks against Michigan peers.

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Frequently Asked Questions

What rates does Team One Credit Union offer?

Team One Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Team One Credit Union rates updated?

RateAPI verifies Team One 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 Team One Credit Union's rate data?

Rate data is collected directly from Team One 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 Team One Credit Union's mortgage rate?

As of August 4, 2026, Team One Credit Union offers a 30-year fixed mortgage at 6.868% APR.

What are Team One Credit Union's auto & powersports loan rates?

As of August 4, 2026, Team One Credit Union offers vehicle loans from 5% APR.

What is Team One Credit Union's HELOC rate?

As of August 4, 2026, Team One Credit Union offers home equity lines of credit from 6.99% APR.

What is Team One Credit Union's personal loan rate?

As of August 4, 2026, Team One Credit Union offers personal loans from 5% APR.

Related Rate Data

Compare Team One Credit Union's rates against national credit-union benchmarks.

More Michigan credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

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# Get rates for Team One Credit Union
curl "https://api.rateapi.dev/credit-unions/michigan/team-one" \
  -H "Authorization: Bearer YOUR_API_KEY"
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