--- title: "Team One Credit Union Rates (Nov 2026): CDs to 3.60%, Mortgage 7.13%" description: "Team One Credit Union rates today: 30 year fixed mortgage 7.13% APR, savings & CDs up to 3.60% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Team One Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/michigan/team-one" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Team One Credit Union Rates (Nov 2026): CDs to 3.60%, Mortgage 7.13% ### Mortgage rates 8 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 7.125% APR | 7.000% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.950% APR | 6.750% | — | Standard | | **10-Year Fixed** 10 year fixed | 6.660% APR | 6.375% | — | Standard | | **20-Year Fixed** 20 year fixed | 7.163% APR | 7.000% | — | Standard | | **Mortgage** other | — APR | 5.000% | — | Standard | | **Vacant Land (5 Year)** other | — APR | 6.990% | — | Standard | | **Vacant Land (7 Year)** other | — APR | 7.240% | — | Standard | | **Vacant Land (10 Year)** other | — APR | 7.740% | — | Standard | Team One Credit Union mortgage rates as of November 13, 2026 ### Auto & vehicle rates 15 offers | Product | Published | Rate | Term / condition | Status | | **Auto Loan** auto | — APR | 5.000% | — | Standard | | **Up to 60-Month Auto Loan** auto_any_60mo | — APR | 5.240% | 60 mo | Standard | | **Auto Loan (61-72 months (current plus 6 model years old))** auto_any_72mo | — APR | 5.500% | 72 mo | Standard | | **Auto Loan (Up to 84 months ($25,000 min; current plus 2 model year old))** auto_any_84mo | — APR | 6.240% | 84 mo | Standard | | **Recreational** powersports_any_120mo | — APR | 6.375% | 120 mo | Standard | | **Auto Loan (Up to 120 months ($100,000 min, Electric and Hybrid only))** auto_any_120mo | — APR | 6.490% | 120 mo | Standard | | **Recreational** powersports | — APR | 7.500% | — | Standard | | **Recreational Loans (0 to 60 months)** powersports_any_60mo | — APR | 7.500% | 60 mo | Standard | | **Recreational Loans (61 to 84 months)** powersports_any_84mo | — APR | 8.000% | 84 mo | Standard | | **Recreational Loans (85 to 120 months)** powersports_any_120mo | — APR | 8.500% | 120 mo | Standard | | **Sports Vehicle (0 to 36 Months)** auto_any_36mo | — APR | 8.750% | 36 mo | Standard | | **Sports Vehicle (37 to 48 Months)** auto_any_48mo | — APR | 9.000% | 48 mo | Standard | | **Sports Vehicle (49 to 60 Months)** auto_any_60mo | — APR | 9.250% | 60 mo | Standard | | **Recreational Loans (121 to 180 months ($25,000 minimum))** powersports_any_180mo | — APR | 9.500% | 180 mo | Standard | | **Sports Vehicle (61 to 84 Months)** auto_any_84mo | — APR | 9.500% | 84 mo | Standard | Team One Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 3 offers | Product | Published | Rate | Term / condition | Status | | **5 Year Fixed Home Equity (LTV 80% or Less)** heloc_fixed | — APR | 6.990% | — | Standard | | **10 Year Fixed Home Equity (LTV 80% or Less)** heloc_fixed | — APR | 7.490% | — | Standard | | **15 Year Fixed Home Equity (LTV 80% or Less)** heloc_fixed | — APR | 7.990% | — | Standard | Team One Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Unsecured Personal Loan** personal_unsecured | — APR | 5.000% | — | Standard | | **Personal Loan** personal | — APR | 5.000% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 10.740% | — | Standard | | **Up to 36-Month Unsecured Personal Loan** personal_unsecured_36mo | — APR | 10.740% | 36 mo | Standard | | **Personal Loan (37–60 month)** personal_unsecured_60mo | — APR | 11.490% | 60 mo | Standard | | **Personal Loan (61–84 months ($15,000 minimum))** personal_unsecured_84mo | — APR | 12.490% | 84 mo | Standard | Team One Credit Union personal loan rates as of November 13, 2026 ### Credit card rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Platinum Credit Card** credit_card_platinum | — APR | 8.900% | — | Standard | | **Visa Platinum w/ ScoreCard Rewards 🗎** credit_card_rewards | — APR | 10.900% | — | Standard | | **Visa Platinum w/ Cash Back Rewards 🗎** credit_card_cash_back | — APR | 10.900% | — | Standard | | **Commercial Visa Credit Card** credit_card | — APR | 10.900% | — | Standard | | **New Beginnings Visa‬ 🗎** credit_card | — APR | 16.900% | — | Standard | Team One Credit Union credit card rates as of November 13, 2026 ### Savings & CD rates 13 offers | Product | Published | Rate | Term / condition | Status | | **Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit (Save to Win † ($10,000.01+))** ira_cd | 0.05% APY | 0.05% | — | Standard | | **Money Market** money_market | 0.15% APY | 0.15% | — | Standard | | **Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit (3 Months)** ira_cd_3mo | 1.00% APY | 0.99% | 3 mo | Standard | | **Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit (Save to Win † (7,500.01-$10,000))** ira_cd | 2.50% APY | 2.47% | — | Standard | | **Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit (Save to Win † (2,500.01-$7,500))** ira_cd | 2.80% APY | 2.77% | — | Standard | | **Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit (Save to Win † ($25-$2,500))** ira_cd | 3.10% APY | 3.06% | — | Standard | | **Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit (36 Month)** ira_cd_36mo | 3.35% APY | 3.30% | 36 mo | Standard | | **Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit (24 Months)** ira_cd_24mo | 3.45% APY | 3.40% | 24 mo | Standard | | **Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit (6 Months)** ira_cd_6mo | 3.50% APY | 3.44% | 6 mo | Standard | | **Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit (18 Months)** ira_cd_18mo | 3.50% APY | 3.44% | 18 mo | Standard | | **Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit (60 Month)** ira_cd_60mo | 3.50% APY | 3.44% | 60 mo | Standard | | **Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit (12 Months)** ira_cd_12mo | 3.60% APY | 3.54% | 12 mo | Standard | | **Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit (48 Months)** ira_cd_48mo | 3.60% APY | 3.54% | 48 mo | Standard | Team One Credit Union savings & cd rates as of November 13, 2026 ### Other rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Miscellaneous Loans (20.80 %*)** other | — % | 14.900% | — | Standard | | **Miscellaneous Loans (24.90 %*)** other | — % | 15.590% | — | Standard | | **Grand Whatever Loan** other | — % | 15.590% | — | Standard | Team One Credit Union other rates as of November 13, 2026 As of November 13, 2026, Team One Credit Union offers a 30-year fixed mortgage at 7.125% APR. Savings and certificate yields up to 3.60% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/michigan/team-one) , verified from [Team One Credit Union's official website](https://www.teamonecu.org/) Best product position **Room to improve vs. the Michigan median** 15-year fixed mortgage Gap to state best **34 bp** 34 bp from state best Vs. state median **34 bp behind median** 15-year fixed mortgage Products ranked **2** across tracked Michigan markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.13% | Room to improve vs. the Michigan median | 48 bp from state best | 6 bp behind median | | 15-year fixed mortgage | 6.95% | Room to improve vs. the Michigan median | 34 bp from state best | 34 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Team One Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=team-one&state=michigan&code=MI&name=Team%20One%20Credit%20Union) Loading branch locator… ## 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](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. [**Frankenmuth** SVRC · Saginaw · MI · 48607 About 0.3 miles away](https://rateapi.dev/credit-unions/michigan/frankenmuth) [**Jolt** S Washington Ave Branch · Saginaw · MI · 48601 About 0.8 miles away](https://rateapi.dev/credit-unions/michigan/jolt) [**Health Advantage** MICHIGAN OFFICE · SAGINAW · MI · 48602-4734 About 1.0 miles away](https://rateapi.dev/credit-unions/michigan/health-advantage) [**Family First** Saginaw Office · Saginaw · MI · 48602-4326 About 1.2 miles away](https://rateapi.dev/credit-unions/michigan/family-first) [**Financial Plus** WCU - Bagley Branch · Saginaw · MI · 48601-3107 About 1.5 miles away](https://rateapi.dev/credit-unions/michigan/financial-plus) [**Consumers Professional** CPCU Saginaw · Saginaw · MI · 48602-4071 About 2.1 miles away](https://rateapi.dev/credit-unions/michigan/consumers-professional) 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](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Team One Credit Union's website. Check the membership page below to confirm whether you qualify. - Location lee, collier — MI, FL Verified from [Team One Credit Union's membership page](https://www.teamonecu.org/about/membership-eligibility) . Final membership determination is always made by the credit union. ## Membership rules for Team One Credit Union Geography 2 counties · Family 7 published paths to membership, last verified November 8, 2026, quoted from Team One Credit Union’s own published criteria. ### Geography 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Collier County, FL - Lee County, FL - MI “Reside in Lee County or Collier County, Florida” > [source ↗](https://www.teamonecu.org/about/membership-eligibility) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Family of a member immediate family “Have an immediate family member who is a current Team One member — no matter where you live” > [source ↗](https://www.teamonecu.org/about/membership-eligibility) - Family member (immediate 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 Team One Credit Union? Yes No ## 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. - See which AI assistants fetched Team One 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=team-one&state=michigan&code=MI&name=Team%20One%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## 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 November 13, 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 November 13, 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 November 13, 2026, Team One Credit Union offers a 30-year fixed mortgage at 7.125% APR. ### What is Team One Credit Union's best CD rate? As of November 13, 2026, Team One Credit Union offers savings and certificate (CD) yields up to 3.60% APY. ### Who can join Team One Credit Union? Team One Credit Union publishes its membership criteria on its own website. RateAPI tracks 7 published membership paths covering 2 counties for Team One Credit Union, each quoted from Team One Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Team One Credit Union's rates against national credit-union benchmarks. [More Michigan credit unions](https://rateapi.dev/credit-unions/michigan) [Michigan mortgage rate leaders](https://rateapi.dev/mortgage-rates/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) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [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.teamonecu.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 Team One 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 Team One Credit Union curl "https://api.rateapi.dev/credit-unions/michigan /team-one " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Team One 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/team-one Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp