United Churches Credit Union
Verified rate book
Current United Churches Credit Union rates
53 published offers verified as of August 4, 2026.
Mortgage rates
5 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 30-Year Fixed30 year fixed | 6.625% APR | 6.625% | — | Standard |
| 15-Year Fixed15 year fixed | 6.000% APR | 6.000% | — | Standard |
| 5/1 ARM5 1 arm | 5.875% APR | 5.875% | — | Standard |
| 7/1 ARM7 1 arm | 6.000% APR | 6.000% | — | Standard |
| One-Time Close Constructionother | 6.875% APR | 6.875% | — | Standard |
Auto & vehicle rates
14 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 48-Month New Auto Loan (2025–2026)auto_new_48mo | 4.990% APR | 4.990% | 48 mo · new | Standard |
| 48-Month Auto Loan (2025 and Newer)auto_any_48mo | 4.990% APR | 4.990% | 48 mo | Standard |
| Auto Loans (60 to 72 months)auto_any_72mo | 4.990% APR | 4.990% | 72 mo | Standard |
| 84-Month Auto Loan (2024 and Newer)auto_any_84mo | 4.990% APR | 4.990% | 84 mo | Standard |
| 36-Month New Auto Loanauto_new_36mo | 4.990% APR | 4.990% | 36 mo · new | Standard |
| 84-Month New Auto Loan (2024–2025)auto_new_84mo | 4.990% APR | 4.990% | 84 mo · new | Standard |
| Auto Loans (12 to 72 months)auto_any_72mo | 5.490% APR | 5.490% | 72 mo | Standard |
| Campers and RV'srv_any_84mo | 6.490% APR | 6.490% | 84 mo | Standard |
| Personal Recreation Vehicleauto | 6.490% APR | 6.490% | — | Standard |
| Campers and Motor Homesrv_any_72mo | 6.490% APR | 6.490% | 72 mo | Standard |
| Boats (12-72 months)boat_any_72mo | 6.490% APR | 6.490% | 72 mo | Standard |
| Boats (72-120 months)boat_any_120mo | 7.490% APR | 7.490% | 120 mo | Standard |
| Antique, Classic and Exotic Vehiclesauto_any_60mo | 7.990% APR | 7.990% | 60 mo | Standard |
| Auto Loans: New or Used Motorcycles (up to 72 months)motorcycle_any_72mo | 7.990% APR | 7.990% | 72 mo · any | Standard |
HELOC rates
6 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Home Equity Loanheloc | 5.990% APR | 5.990% | — | Standard |
| 5-Year Home Equity Loan (Fixed)heloc_fixed | 6.250% APR | 6.250% | — | Standard |
| Home Equity (Closed End Loan)heloc | 6.500% APR | 6.500% | — | Standard |
| 10-Year Home Equity Loan (Fixed)heloc_fixed | 7.625% APR | 7.625% | — | Standard |
| 15-Year Home Equity Loan (Fixed)heloc_fixed | 7.875% APR | 7.875% | — | Standard |
| Home Equity (Open Line of Credit)*heloc_variable | 9.000% APR | 9.000% | — | Standard |
Personal loan rates
14 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Personal/Signature (12 months)personal_unsecured_12mo | 6.500% APR | 6.500% | 12 mo | Standard |
| 12-Month Secured Personal Loanpersonal_secured_12mo | 6.500% APR | 6.500% | 12 mo | Standard |
| Personal/Signature (24 months)personal_unsecured_24mo | 7.000% APR | 7.000% | 24 mo | Standard |
| Home Improvement (12-36 Months)personal_unsecured_36mo | 7.490% APR | 7.490% | 36 mo | Standard |
| Personal/Signature (36 months)personal_unsecured_36mo | 7.500% APR | 7.500% | 36 mo | Standard |
| Personal/Signature (48 months)personal_unsecured_48mo | 7.990% APR | 7.990% | 48 mo | Standard |
| Home Improvementpersonal_unsecured_36mo | 7.990% APR | 7.990% | 36 mo | Standard |
| 12-Month Unsecured Personal Loanpersonal_unsecured_12mo | 8.990% APR | 8.990% | 12 mo | Standard |
| Home Improvement (48-60 Months)personal_unsecured_60mo | 9.500% APR | 9.500% | 60 mo | Standard |
| Personal/Signature (36 to 48 months)personal_unsecured_48mo | 9.990% APR | 9.990% | 48 mo | Standard |
| Home Improvement (72-120 Months)personal_unsecured_120mo | 10.500% APR | 10.500% | 120 mo | Standard |
| Revolving Credit up to $5000.00 max.personal_unsecured_42mo | 10.990% APR | 10.990% | 42 mo | Standard |
| PayDay Bridge Loan (30 days)personal | 18.000% APR | 18.000% | — | Standard |
| 12-Month Credit Builder Loanpersonal_unsecured_12mo | 18.000% APR | 18.000% | 12 mo | Standard |
Credit card rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| VISA Credit Card (Maximum limit $8,000)credit_card | 10.900% APR | 10.900% | — | Standard |
Savings & CD rates
9 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 60-Month Certificatecd_60mo | 2.50% APY | 2.50% | 60 mo | Standard |
| 36-Month Certificatecd_36mo | 3.00% APY | 3.00% | 36 mo | Standard |
| 48-Month Certificatecd_48mo | 3.00% APY | 3.00% | 48 mo | Standard |
| 24-Month Certificatecd_24mo | 3.00% APY | 3.00% | 24 mo | Standard |
| 12-Month Certificatecd_12mo | 3.00% APY | 3.00% | 12 mo | Standard |
| 6-Month Certificatecd_6mo | 3.25% APY | 3.25% | 6 mo | Standard |
| Certificates (3.50% at maturity)cd | 3.50% APY | 3.50% | — | Standard |
| Certificates (3.75% at maturity)cd | 3.75% APY | 3.75% | — | Standard |
| Certificates (4.00% at maturity)cd | 4.00% APY | 4.00% | — | Standard |
Other rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Featured Rates (12-36 Months)other | 4.990% % | 4.990% | — | Standard |
| Featured Rates (up to 60 months)other | 5.990% % | 5.990% | — | Standard |
| Featured Rates (up to 84 months)other | 6.490% % | 6.490% | — | Standard |
| Featured Rates (up to 36 months)other | 7.990% % | 7.990% | — | Standard |
As of August 4, 2026, United Churches Credit Union offers a 30-year fixed mortgage at 6.625% APR. Vehicle loans available from 4.99% APR for 48 months. HELOC rates from 5.99% APR. Personal loan rates from 6.5% APR. Credit card rates from 10.9% APR. Savings and certificate yields up to 4.00% APY.
Source: RateAPI.dev, verified from United Churches Credit Union's official website
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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. 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 United Churches Credit Union
Membership eligibility from United Churches Credit Union's own published criteria. How we verify this.
Community charter: live/work in Wayne, Monroe
- LocationWayne, Monroe
Cost to join: About $100.
Verified from United Churches Credit Union's membership page. Final membership determination is always made by the credit union.
Work at United Churches Credit Union?
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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 August 4, 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 August 4, 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.
What is United Churches Credit Union's mortgage rate?
As of August 4, 2026, United Churches Credit Union offers a 30-year fixed mortgage at 6.625% APR.
What are United Churches Credit Union's auto, rv, boat & motorcycle loan rates?
As of August 4, 2026, United Churches Credit Union offers vehicle loans from 4.99% APR.
What is United Churches Credit Union's HELOC rate?
As of August 4, 2026, United Churches Credit Union offers home equity lines of credit from 5.99% APR.
What is United Churches Credit Union's personal loan rate?
As of August 4, 2026, United Churches Credit Union offers personal loans from 6.5% APR.
What is United Churches Credit Union's best CD rate?
As of August 4, 2026, United Churches Credit Union offers savings and certificate (CD) yields up to 4.00% APY.
Related Rate Data
Compare United Churches 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
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# Get rates for United Churches Credit Union
curl "https://api.rateapi.dev/credit-unions/michigan/united-churches" \
-H "Authorization: Bearer YOUR_API_KEY"