Wildfire Credit Union

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

Current Wildfire Credit Union rates

67 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

13 offers
Wildfire Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
30-Year Fixed30 year fixed6.625% APR6.625%—Standard
Effective Date: - 12:00 A.M. EST (30 Year Fixed)30 year fixed6.774% APR6.625%—Standard
15-Year Fixed15 year fixed6.125% APR6.125%—Standard
Effective Date: - 12:00 A.M. EST (15 Year Fixed)15 year fixed6.359% APR6.125%—Standard
10-Year Fixed10 year fixed6.125% APR6.125%—Standard
10-Year Fixed10 year fixed6.294% APR6.294%—Standard
Effective Date: - 12:00 A.M. EST (10 Year Fixed)10 year fixed6.456% APR6.125%—Standard
20-Year Fixed20 year fixed6.625% APR6.625%—Standard
Effective Date: - 12:00 A.M. EST (20 Year Fixed)20 year fixed6.820% APR6.625%—Standard
5-Year Balloon**other6.000% APR6.000%—Standard
7-Year Balloon**other6.250% APR6.250%—Standard
10-Year Balloon**other6.500% APR6.500%—Standard
3-Year Balloon†other7.000% APR7.000%—Standard

Auto & vehicle rates

14 offers
Wildfire Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Motorcycles Any Model Yearmotorcycle_any_48mo5.090% APR5.090%48 moStandard
60-Month Auto Loanauto_any_60mo5.090% APR5.090%60 moStandard
Autos 2018 - Newerauto_any_60mo5.090% APR5.090%60 moStandard
Autos Any Model Yearauto_any_48mo5.090% APR5.090%48 moStandard
Motorcycles 2018 - Newermotorcycle_any_60mo5.090% APR5.090%60 moStandard
Autos 2021 - Newerauto_any_72mo5.240% APR5.240%72 moStandard
72-Month Motorcycle Loanmotorcycle_any_72mo5.240% APR5.240%72 moStandard
72-Month Auto Loanauto_any_72mo5.240% APR5.240%72 moStandard
Motorcycles 2021 - Newermotorcycle_any_72mo5.240% APR5.240%72 moStandard
84-Month Auto Loanauto_any_84mo5.750% APR5.750%84 moStandard
Autos 2022 - Newerauto_any_84mo5.750% APR5.750%84 moStandard
84-Month Motorcycle Loanmotorcycle_any_84mo5.750% APR5.750%84 moStandard
Motorcycles 2022 - Newermotorcycle_any_84mo5.750% APR5.750%84 moStandard
Auto Loanauto6.456% APR6.456%—Standard

HELOC rates

3 offers
Wildfire Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
HELOC (Variable)heloc_variable6.750% APR6.750%—Standard
Loan amounts less than or equal to 80.00% Loan to Value.heloc7.000% APR7.000%—Standard
Home Cash Equity Loanheloc7.212% APR7.000%—Standard

Personal loan rates

8 offers
Wildfire Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Share Secured (2)(‡)personal_secured4.300% APR4.300%—Standard
Prestige Line of Credit 1ploc_variable8.900% APR8.900%—Standard
Personal Loan 1personal_unsecured10.990% APR10.990%—Standard
60-Month Unsecured Personal Loanpersonal_unsecured_60mo10.990% APR10.990%60 moStandard
84-Month Debt Consolidation Loanpersonal_unsecured_84mo11.490% APR11.490%84 moStandard
Debt Consolidation 1personal11.490% APR11.490%—Standard
Qwik Check Line of Credit 1ploc_variable12.600% APR12.600%—Standard
Overdraft Line of Credit 1ploc_variable15.000% APR15.000%—Standard

Savings & CD rates

29 offers
Wildfire Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
$10,001 And Upsavings0.01% APY0.01%—Standard
$0 To $10,000savings0.01% APY0.01%—Standard
IRAira0.50% APY0.50%—Standard
6 - 11 Months Certificatecd_11mo3.40% APY3.35%11 moStandard
24 - 35 Months Certificatecd_35mo3.40% APY3.35%35 moStandard
12 - 17 Months Certificatecd_17mo3.45% APY3.40%17 moStandard
18 - 23 Months Certificatecd_23mo3.45% APY3.40%23 moStandard
60-Month Certificatecd_60mo3.49% APY3.49%60 moStandard
36 - 47 Months Certificatecd_47mo3.50% APY3.44%47 moStandard
60-Month Certificatecd_60mo3.55% APY3.49%60 moStandard
48 - 59 Months Certificatecd_59mo3.55% APY3.49%59 moStandard
6-Month Certificatecd_6mo3.60% APY3.60%6 moStandard
12-Month Certificatecd_12mo3.65% APY3.65%12 moStandard
24 to 35 months Jumbo Certificatecd_35mo3.66% APY3.60%35 moStandard
6 Month Youth Certificatecd_6mo3.66% APY3.60%6 moStandard
6 to 11 months Jumbo Certificatecd_11mo3.66% APY3.60%11 moStandard
12 Month Youth Certificatecd_12mo3.71% APY3.65%12 moStandard
12 to 17 months Jumbo Certificatecd_17mo3.71% APY3.65%17 moStandard
18 to 23 months Jumbo Certificatecd_23mo3.71% APY3.65%23 moStandard
9-Month Certificatecd_9mo3.78% APY3.78%9 moStandard
9-Month Certificatecd_9mo3.85% APY3.85%9 moStandard
9-Month Certificatecd_9mo3.85% APY3.78%9 moStandard
60-Month Certificatecd_60mo3.99% APY3.99%60 moStandard
36 to 47 months Jumbo Certificatecd_47mo4.02% APY3.94%47 moStandard
60 months Jumbo Certificatecd_60mo4.07% APY3.99%60 moStandard
48 to 59 months Jumbo Certificatecd_59mo4.07% APY3.99%59 moStandard
9 Month Jumbo Certificatecd_9mo4.11% APY4.03%9 moStandard
$0 To $10,000**savings4.89% APY4.89%—Standard
$5,000 Minimum; $500,000 Maximum; Up To 90% Of Appraised Value.savings6.75% APY6.75%—Standard

As of August 4, 2026, Wildfire Credit Union offers a 30-year fixed mortgage at 6.625% APR. Vehicle loans available from 5.09% APR for 48 months. HELOC rates from 6.75% APR. Personal loan rates from 4.3% APR. Savings and certificate yields up to 6.75% APY.

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

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About Wildfire Credit Union

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

Members
50.3K
Assets
$1.2B
Founded
1937
Locations reported
7
NCUA charter
60057
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 counseling
  • 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.

ElgaSaginaw · Saginaw · MI · 48604Branch in the same ZIPFamily FirstKochville Office · Saginaw · MI · 48604-9428Branch in the same ZIPFinancial PlusFPCU - Fashion Square Branch · Saginaw · MI · 48604Branch in the same ZIPFrankenmuthTittabawassee Meijer · Saginaw · MI · 48604Branch in the same ZIPLake HuronMain Office · Saginaw · MI · 48604-9445Branch in the same ZIPMembers FirstMembers First Credit Union - Saginaw · Saginaw · MI · 48604Branch in the same ZIP

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 Wildfire Credit Union

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

Membership criteria are published on Wildfire Credit Union's website. Check the membership page below to confirm whether you qualify.

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

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Frequently Asked Questions

What rates does Wildfire Credit Union offer?

Wildfire Credit Union currently offers mortgage, vehicle loan, HELOC, 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 Wildfire Credit Union rates updated?

RateAPI verifies Wildfire 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 Wildfire Credit Union's rate data?

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

As of August 4, 2026, Wildfire Credit Union offers a 30-year fixed mortgage at 6.625% APR.

What are Wildfire Credit Union's auto & motorcycle loan rates?

As of August 4, 2026, Wildfire Credit Union offers vehicle loans from 5.09% APR.

What is Wildfire Credit Union's HELOC rate?

As of August 4, 2026, Wildfire Credit Union offers home equity lines of credit from 6.75% APR.

What is Wildfire Credit Union's personal loan rate?

As of August 4, 2026, Wildfire Credit Union offers personal loans from 4.3% APR.

What is Wildfire Credit Union's best CD rate?

As of August 4, 2026, Wildfire Credit Union offers savings and certificate (CD) yields up to 6.75% APY.

Related Rate Data

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

More Michigan credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan 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

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