--- title: "United Churches Credit Union Rates - Michigan" description: "Current mortgage, vehicle loan, heloc, personal loan, credit card, and savings & cd rates from United Churches Credit Union in Michigan. Updated daily with source verification. See who can join United Churches Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/michigan/united-churches" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # United Churches Credit Union Rates - Michigan ### Mortgage rates 5 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | — APR | 6.875% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 6.375% | — | Standard | | **5/1 ARM** 5 1 arm | — APR | 6.125% | — | Standard | | **7/1 ARM** 7 1 arm | — APR | 6.250% | — | Standard | | **One-Time Close Construction** other | — APR | 7.125% | — | Standard | United Churches Credit Union mortgage rates as of November 13, 2026 ### Auto & vehicle rates 14 offers | Product | Published | Rate | Term / condition | Status | | **48-Month New Auto Loan (2025–2026)** auto_new_48mo | — APR | 4.990% | 48 mo · new | Standard | | **48-Month Auto Loan (2025 and Newer)** auto_any_48mo | — APR | 4.990% | 48 mo | Standard | | **Auto Loans (60 to 72 months)** auto_any_72mo | — APR | 4.990% | 72 mo | Standard | | **84-Month Auto Loan (2024 and Newer)** auto_any_84mo | — APR | 4.990% | 84 mo | Standard | | **36-Month New Auto Loan** auto_new_36mo | — APR | 4.990% | 36 mo · new | Standard | | **84-Month New Auto Loan (2024–2025)** auto_new_84mo | — APR | 4.990% | 84 mo · new | Standard | | **Auto Loans (12 to 72 months)** auto_any_72mo | — APR | 5.490% | 72 mo | Standard | | **Boats (12-72 months)** boat_any_72mo | — APR | 6.490% | 72 mo | Standard | | **Personal Recreation Vehicle** auto | — APR | 6.490% | — | Standard | | **Campers and RV's** rv_any_84mo | — APR | 6.490% | 84 mo | Standard | | **Campers and Motor Homes** rv_any_72mo | — APR | 6.490% | 72 mo | Standard | | **Boats (72-120 months)** boat_any_120mo | — APR | 7.490% | 120 mo | Standard | | **Antique, Classic and Exotic Vehicles** auto_any_60mo | — APR | 7.990% | 60 mo | Standard | | **Auto Loans: New or Used Motorcycles (up to 72 months)** motorcycle_any_72mo | — APR | 7.990% | 72 mo · any | Standard | United Churches Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Home Equity Loan** heloc | — APR | 5.990% | — | Standard | | **Home Equity (Closed End Loan)** heloc | — APR | 6.500% | — | Standard | | **5-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 6.875% | — | Standard | | **10-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 8.125% | — | Standard | | **15-Year Home Equity Loan (Fixed)** heloc_fixed | — APR | 8.375% | — | Standard | | **Home Equity (Open Line of Credit)*** heloc_variable | — APR | 9.000% | — | Standard | United Churches Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 14 offers | Product | Published | Rate | Term / condition | Status | | **Personal/Signature (12 months)** personal_unsecured_12mo | — APR | 6.500% | 12 mo | Standard | | **12-Month Secured Personal Loan** personal_secured_12mo | — APR | 6.500% | 12 mo | Standard | | **Personal/Signature (24 months)** personal_unsecured_24mo | — APR | 7.000% | 24 mo | Standard | | **Home Improvement (12-36 Months)** personal_unsecured_36mo | — APR | 7.490% | 36 mo | Standard | | **Personal/Signature (36 months)** personal_unsecured_36mo | — APR | 7.500% | 36 mo | Standard | | **Personal/Signature (48 months)** personal_unsecured_48mo | — APR | 7.990% | 48 mo | Standard | | **Home Improvement** personal_unsecured_36mo | — APR | 7.990% | 36 mo | Standard | | **12-Month Unsecured Personal Loan** personal_unsecured_12mo | — APR | 8.990% | 12 mo | Standard | | **Home Improvement (48-60 Months)** personal_unsecured_60mo | — APR | 9.500% | 60 mo | Standard | | **Personal/Signature (36 to 48 months)** personal_unsecured_48mo | — APR | 9.990% | 48 mo | Standard | | **Home Improvement (72-120 Months)** personal_unsecured_120mo | — APR | 10.500% | 120 mo | Standard | | **Revolving Credit up to $5000.00 max.** personal_unsecured_42mo | — APR | 10.990% | 42 mo | Standard | | **PayDay Bridge Loan (30 days)** personal | — APR | 18.000% | — | Standard | | **12-Month Credit Builder Loan** personal_unsecured_12mo | — APR | 18.000% | 12 mo | Standard | United Churches Credit Union personal loan rates as of November 13, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **VISA Credit Card (Maximum limit $8,000)** credit_card | — APR | 10.900% | — | Standard | United Churches Credit Union credit card rates as of November 13, 2026 ### Savings & CD rates 9 offers | Product | Published | Rate | Term / condition | Status | | **60-Month Certificate** cd_60mo | — APY | 2.50% | 60 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 2.75% | 12 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 3.00% | 36 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 3.00% | 48 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 3.00% | 24 mo | Standard | | **6-Month Certificate** cd_6mo | — APY | 3.25% | 6 mo | Standard | | **Certificates (3.50% at maturity)** cd | — APY | 3.50% | — | Standard | | **Certificates (3.75% at maturity)** cd | — APY | 3.75% | — | Standard | | **Certificates (4.00% at maturity)** cd | — APY | 4.00% | — | Standard | United Churches Credit Union savings & cd rates as of November 13, 2026 ### Other rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Featured Rates (12-36 Months)** other | — % | 4.990% | — | Standard | | **Featured Rates (up to 60 months)** other | — % | 5.990% | — | Standard | | **Featured Rates (up to 84 months)** other | — % | 6.490% | — | Standard | | **Featured Rates (up to 36 months)** other | — % | 7.990% | — | Standard | United Churches Credit Union other rates as of November 13, 2026 United Churches Credit Union is a credit union in Michigan. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/michigan/united-churches) , verified from [United Churches Credit Union's official website](https://www.unitedchurchescu.org/) Loading branch locator… ## About United Churches Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 1.1K Assets $21.9M Founded 1957 Locations reported 1 NCUA charter 62144 Charter type Federally insured state-chartered credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Student scholarships - Credit-builder products 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. [**Advantage One** Advantage One Credit Union · Taylor · MI · 48180 About 0.1 miles away](https://rateapi.dev/credit-unions/michigan/advantage-one) [**Ent** Detroit/Taylor · Taylor · MI · 48180 About 0.1 miles away](https://rateapi.dev/credit-unions/colorado/ent) [**Total Community** Total Community Credit Union · Taylor · MI · 48180-3923 About 0.7 miles away](https://rateapi.dev/credit-unions/michigan/total-community) [**Alliance Catholic** Taylor · Taylor · MI · 48180-3317 About 1.0 miles away](https://rateapi.dev/credit-unions/michigan/alliance-catholic) [**DFCU Financial** DFCU - Taylor · Taylor · MI · 48180 About 1.3 miles away](https://rateapi.dev/credit-unions/michigan/dfcu-financial) [**Zeal** Zeal Credit Union · Taylor · MI · 48180 About 1.4 miles away](https://rateapi.dev/credit-unions/michigan/zeal) 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 United Churches Credit Union Membership eligibility from United Churches Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on United Churches Credit Union's website. Check the membership page below to confirm whether you qualify. - Place of worship Church of the Divine Child, Church of the Nazarene, Christ Episcopal Church, Dearborn Free Methodis, Detroit World Outreach, Emmanuel Lutheran Church, First Baptist Church, First United Methodist Church, Good Shepherd United Methodist, Grace Reformed Church, Greenfield Congregational, Guardian Lutheran Church, Hope Lutheran Church, Hungarian Reformed Church, Littlefield Presbyterian Church, Our Lady of the Angels, Philippine International Baptist Church, Sacred Heart Church, St. Alphonsus Church, St. Anselm Church, St. Barbara/St. Cunegunda Church, St. Clement Church, St. Frances Cabrini Church, St. James United Church of Christ, St. Kateri Tekakwitha Church, Taylor Free Methodist Church Verified from [United Churches Credit Union's membership page](https://www.unitedchurchescu.org/page/27/become-a-member) . Final membership determination is always made by the credit union. ## Membership rules for United Churches Credit Union Places of worship 26 26 published paths to membership, last verified August 21, 2026, quoted from United Churches Credit Union’s own published criteria. ### Places of worship 26 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Church of the Divine Child “Church of the Divine Child” > [source ↗](https://www.unitedchurchescu.org/page/27/become-a-member) - Member of Church of the Divine Child - Member of Church of the Nazarene “Church of the Nazarene” > [source ↗](https://www.unitedchurchescu.org/page/27/become-a-member) - Member of Church of the Nazarene - Member of Christ Episcopal Church “Christ Episcopal Church” > [source ↗](https://www.unitedchurchescu.org/page/27/become-a-member) - Member of Christ Episcopal Church - Member of Dearborn Free Methodis “Dearborn Free Methodis” > [source ↗](https://www.unitedchurchescu.org/page/27/become-a-member) - Member of Dearborn Free Methodis - Member of Detroit World Outreach “Detroit World Outreach” > [source ↗](https://www.unitedchurchescu.org/page/27/become-a-member) - Member of Detroit World Outreach - Member of Emmanuel Lutheran Church “Emmanuel Lutheran Church” > [source ↗](https://www.unitedchurchescu.org/page/27/become-a-member) - Member of Emmanuel Lutheran Church - Member of First Baptist Church “First Baptist Church” > [source ↗](https://www.unitedchurchescu.org/page/27/become-a-member) - Member of First Baptist Church - Member of First United Methodist Church (as written on the source page) “First United Methodist Church” > [source ↗](https://www.unitedchurchescu.org/page/27/become-a-member) - Member of First United Methodist Church - Member of Good Shepherd United Methodist “Good Shepherd United Methodist” > [source ↗](https://www.unitedchurchescu.org/page/27/become-a-member) - Member of Good Shepherd United Methodist - Member of Grace Reformed Church “Grace Reformed Church” > [source ↗](https://www.unitedchurchescu.org/page/27/become-a-member) - Member of Grace Reformed Church - Member of Greenfield Congregational “Greenfield Congregational” > [source ↗](https://www.unitedchurchescu.org/page/27/become-a-member) - Member of Greenfield Congregational - Member of Guardian Lutheran Church “Guardian Lutheran Church” > [source ↗](https://www.unitedchurchescu.org/page/27/become-a-member) - Member of Guardian Lutheran Church - Member of Hope Lutheran Church “Hope Lutheran Church” > [source ↗](https://www.unitedchurchescu.org/page/27/become-a-member) - Member of Hope Lutheran Church - Member of Hungarian Reformed Church “Hungarian Reformed Church” > [source ↗](https://www.unitedchurchescu.org/page/27/become-a-member) - Member of Hungarian Reformed Church - Member of Littlefield Presbyterian Church “Littlefield Presbyterian Church” > [source ↗](https://www.unitedchurchescu.org/page/27/become-a-member) - Member of Littlefield Presbyterian Church - Member of Our Lady of the Angels “Our Lady of the Angels” > [source ↗](https://www.unitedchurchescu.org/page/27/become-a-member) - Member of Our Lady of the Angels - Member of Philippine International Baptist Church “Philippine International Baptist Church” > [source ↗](https://www.unitedchurchescu.org/page/27/become-a-member) - Member of Philippine International Baptist Church - Member of Sacred Heart Church (as written on the source page) “Sacred Heart Church” > [source ↗](https://www.unitedchurchescu.org/page/27/become-a-member) - Member of Sacred Heart Church - Member of St. Alphonsus Church “St. Alphonsus Church” > [source ↗](https://www.unitedchurchescu.org/page/27/become-a-member) - Member of St. Alphonsus Church - Member of St. Anselm Church “St. Anselm Church” > [source ↗](https://www.unitedchurchescu.org/page/27/become-a-member) - Member of St. Anselm Church - Member of St. Barbara/St. Cunegunda Church “St. Barbara/St. Cunegunda Church” > [source ↗](https://www.unitedchurchescu.org/page/27/become-a-member) - Member of St. Barbara/St. Cunegunda Church - Member of St. Clement Church “St. Clement Church” > [source ↗](https://www.unitedchurchescu.org/page/27/become-a-member) - Member of St. Clement Church - Member of St. Frances Cabrini Church “St. Frances Cabrini Church” > [source ↗](https://www.unitedchurchescu.org/page/27/become-a-member) - Member of St. Frances Cabrini Church - Member of St. James United Church of Christ “St. James United Church of Christ” > [source ↗](https://www.unitedchurchescu.org/page/27/become-a-member) - Member of St. James United Church of Christ - Member of St. Kateri Tekakwitha Church “St. Kateri Tekakwitha Church” > [source ↗](https://www.unitedchurchescu.org/page/27/become-a-member) - Member of St. Kateri Tekakwitha Church - Member of Taylor Free Methodist Church “Taylor Free Methodist Church” > [source ↗](https://www.unitedchurchescu.org/page/27/become-a-member) - Member of Taylor Free Methodist Church 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 United Churches Credit Union? Yes No ## Work at United Churches 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 United Churches Credit Union ranks against Michigan peers. - See which AI assistants fetched United Churches 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=united-churches&state=michigan&code=MI&name=United%20Churches%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does United Churches Credit Union offer? United Churches 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 United Churches Credit Union rates updated? RateAPI verifies United Churches 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 United Churches Credit Union's rate data? Rate data is collected directly from United Churches 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 United Churches Credit Union? United Churches Credit Union publishes its membership criteria on its own website. RateAPI tracks 26 published membership paths covering 26 places of worship for United Churches Credit Union, each quoted from United Churches Credit Union's own published membership criteria. ## Related Rate Data Compare United Churches 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.unitedchurchescu.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 United Churches 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 United Churches Credit Union curl "https://api.rateapi.dev/credit-unions/michigan /united-churches " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## United Churches Credit Union locations Search, filter, and browse all 1 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/united-churches Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp