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Source: https://www.communitychoicecu.com/rates/
Read: 2026-10-22T16:21:31.000Z

Rates | Community Choice Credit Union | Michigan Credit Union Skip to content Community Choice / Rates
For new and used cars | APR* as low as
Up to 48 months¹ | 5.74%
49 to 60 months² (Minimum loan amount $10,000+) | 5.74%
61 to 72 months³ (Minimum loan amount $18,000+) | 5.74%
73 to 84 months⁴ (Minimum loan amount $25,000+) | 6.24%
New and Used | APR* as low as
Up to 60 months¹ (Minimum loan amount $5,000+) | 7.74%
61 to 120 months² (Minimum loan amount $10,000+) | 7.49%
121 to 144 months³ (Minimum loan amount $15,000+) | 7.49%
145 to 180 months⁴ (Minimum loan amount $25,000+) | 7.49%
181 to 240 months⁵ (Minimum loan amount $75,000+) | 7.99%
New and Used | APR* as low as
Up to 60 months¹ (Minimum loan amount $5,000) | 8.49%
61 to 72 months² (Minimum loan amount $10,000) | 8.74%
73 to 84 months³ (Minimum loan amount $15,000) | 9.24%
*All rates are disclosed as Annual Percentage Rates. Your rate will be based on your credit history, approximate term, and security offered. A loan officer will let you know the rate you qualify for after reviewing your application documents. 50% basis points will be added to the APR for refinances of existing credit union loans.
HELOC Special Intro Rate of 4.99% for 5 months** good through 12.31.26. New loans only, internal refinances not eligible.
Variable rates up to 90% Loan to Value | Rate Type | APR* As Low As
First 5 months on new HELOCs. After the introductory period, the APR will convert to the standard variable APR as low as 6.75%. April 1 – December 31, 2026. | Variable | 4.99%
Up to 70% Loan to Value | Variable | 6.75%
Up to 80% Loan to Value | Variable | 7.00%
Up to 90% Loan to Value | Variable | 7.24%
Up to 80% Loan to Value | Rate Type | APR* As Low As
Up to 5 years 1 | Fixed | 6.99%
Up to 10 years 2 | Fixed | 7.24%
Up to 15 years 3 | Fixed | 7.49%
Fixed rates up to 90% Loan to Value | Rate Type | APR* As Low As
Up to 5 years 4 | Fixed | 7.59%
Up to 10 years 5 | Fixed | 8.09%
Up to 15 years 6 | Fixed | 7.94%
Variable rates up to 90% Loan to Value | Rate Type | APR* As Low As
Up to 70% Loan to Value | Variable | 8.75%
Variable rate is subject to change monthly, based on the prime rate and margin. Maximum Annual Percentage Rate is 18.00%. Other terms and conditions may apply.
**4.99% introductory APR available for up to the first five months following loan funding on new FlexChoice home equity lines of credit. After the introductory period, the APR will convert to the standard variable APR based on loan-to-value and credit worthiness. Variable rate is subject to change monthly, based on the prime rate and margin. Current APRs range from 6.75% to 7.24%. Maximum APR is 18.00%. Offer valid April 1, 2026 through December 31, 2026. Offer available on new FlexChoice HELOCs only. Community Choice home loan refinances are not eligible. Property insurance is required, with a lien in favor of Community Choice Credit Union at closing. All loans subject to credit approval. Terms subject to change. Membership eligibility is required.
Certificate of Deposit Secured¹ | 2.50%
Savings Share Secured¹ | 2.50%
Note: Rate is for certificate of deposit or savings share annual dividend rate plus 1.50%. Term of share certificate secured loans cannot exceed the term of the certificate. Maximum term of a savings share secured loan is 60 months. Floor rate 2.50%.
*All rates are disclosed as Annual Percentage Rates. Your rate will be based on your credit history, approximate term, and security offered. A loan officer will let you know the rate you qualify for after reviewing your application documents. Rates are subject to change at any time. .50% basis points will be added to the APR for refinances of existing credit union loans.
Unsecured Loans | Type | APR* As Low As
Signature Loan¹ | Personal Loan | 11.24%
Line of Credit² | Personal Loan | 14.65%
Certificate of Deposit Secured | CD and Share Secured Loan³ | 2.50%
Savings Share Secured | CD and Share Secured Loan³ | 2.50%
²Rate is share certificate or savings share annual dividend rate plus 1.50%. Term of share certificate secured loans cannot exceed the term of the certificate. Maximum term of a savings share secured loan is 60 months. Floor rate 2.50%.
Rate | APY*
$0.00 – $2,499.99 | 0.00% | 0.00%
$2,500.00 – $9,999.99 | 0.10% | 0.10%
$10,000.00 – $24,999.99 | 0.15% | 0.15%
$25,000.00 – $49.999.99 | 0.399% | 0.40%
$50,000.00 – $99,999.99 | 1.785% | 1.80%
$100,000.00 – $249,999.99 | 2.031% | 2.05%
$250,000.00 – $499,999.99 | 2.227% | 2.25%
$500,000.00 and above | 2.716% | 2.75%
*APY = Annual Percentage Yield
Rate | APY*
$100.00 – $9,999.99 | 0.01% | 0.01%
$10,000 – $24,999.99 | 0.05% | 0.05%
$25,000 – $49,999.99 | 0.10% | 0.10%
$50,000 – $99,999.99 | 0.15% | 0.15%
$100,000 – $249,999.99 | 0.25% | 0.25%
$250,000 – $499,999.99 | 0.39% | 0.40%
$500,000 and above | 0.49% | 0.50%
$5.00 minimum to open. Fees may reduce earnings. *APY=Annual Percentage Yield. Rates subject to change at any time. For more information, please refer to our Account Agreements and Disclosures.
Rate | APY*
$100.00 and above | 0.05% | 0.05%
Traditional, Roth, Coverdell, or Roth Conversion. *APY=Annual Percentage Yield. Rates subject to change at any time. For more information, please refer to our Account Agreements and Disclosures.
Rate | APY*
$5.00 – $500.00 | 1.00% | 1.00%
$500.01 – $9,999.99 | 0.01% | 0.01%
$10,000 – $24,999.99 | 0.05% | 0.05%
$25,000 – $49,999.99 | 0.10% | 0.10%
$50,000 – $99,999.99 | 0.15% | 0.15%
$100,000 – $249,999.99 | 0.25% | 0.25%
$250,000 – $499,999.99 | 0.40% | 0.40%
$500,000 and above | 0.50% | 0.50%
APY*
SPECIAL! 7-Month IRA Certificate | 4.15%
SPECIAL! 15-Month IRA Certificate | 4.26%
SPECIAL! 25-Month IRA Certificate | 4.30%
6-Month IRA Certificate | 0.15%
1-Year IRA Certificate | 0.25%
Effective October 1, 2026. *APY=Annual Percentage Yield. Rates subject to change at any time. For more information, please refer to our Account Agreements and Disclosures.
Certificate | APY*
CD SPECIAL! 7-Month Certificate | 4.15%
CD SPECIAL! 15-Month Certificate | 4.26%
CD SPECIAL! 25-Month Certificate | 4.30%
3-Month Certificate | 0.10%
6-Month Certificate | 0.15%
1-Year Certificate | 0.25%
2-Year Certificate | 0.30%
3-Year Certificate | 0.35%
4-Year Certificate | 0.40%
5-Year Certificate | 0.50%
Effective October 1, 2026. *APY=Annual Percentage Yield. Rates subject to change at any time. For more information, please refer to our Account Agreements and Disclosures.
Platinum Mastercard | 12.24%
World Mastercard | 17.24%
APY
$250,000.01 – $499,999.99 | 2.398%
$500,000.00 and up | 2.648%
APY = Annual Percentage Yield. Dividends will be paid monthly based on aggregate balance of your Extended Insurance Account. $250,000.01 minimum to open. Fees may reduce earnings.
Rate | APY*
$10,000.00 – $49,999.99 | 0.25% | 0.25%
$50,000.00 – $99,999.99 | 1.982% | 2.00%
$100,000.00 – $249,999.99 | 2.227% | 2.25%
$250,000.00 – $499,999.99 | 2.472% | 2.50%
$500,000.00 – $1,999,999.99 | 2.472% | 2.50%
$2,000,000.00 – $4,999,999.99 | 2.472% | 2.50%
$5,000,000.00 and above | 4.025% | 4.10%
$10,000.00 minimum to open. Fees may reduce earnings. Anytime access.*APY=Annual Percentage Yield. Rates subject to change at any time. For more information, please refer to our Account Agreements and Disclosures. Effective April 16, 2025.
Business Savings | Rate | APY*
$100.00 and above | 0.05% | 0.05%
$5.00 minimum to open. Fees may reduce earnings.*APY=Annual Percentage Yield. Rates subject to change at any time. For more information, please refer to our Account Agreements and Disclosures.
Business Platinum Mastercard | 12.90
Rate | APY*
$0.00 – $4,999,999.99 | 2.472% | 2.50%
$5,000.000.00 and above | 4.025% | 4.10%
Dividend rate effective April 16, 2025. *APY = Annual Percentage Yield Account owner is responsible for third party fees such as purchasing checks and other third party charges. Rates subject to change at any time. For more information, please refer to our Account Agreements and Disclosures.
$250,000.01 – $4,999,999.99 | 2.472%
$5,000,000.00 and up | 4.025%