Today's rate snapshot
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How rates trended in Michigan
Daily average across every credit union lending in MI, past 90 days. Dashed line is the national FRED benchmark.
Mortgage rates in Michigan
Credit unions lending in Michigan
You can join Jolt Credit Union if you live, work, worship, or attend school in one of 19 eligible Michigan counties, including Saginaw, Bay, and Midland. Eligibility is also extended to employees of the credit union and family members of current account holders.
Honor Credit Union membership is open to anyone who lives, works, worships, or attends school in the state of Michigan, as well as select counties in northern Indiana and Wisconsin. Immediate family members of current members are also eligible to join.
Cornerstone Community Financial Credit Union is open to anyone who lives, works, worships, or attends school in the state of Michigan or specifically in Fulton, Henry, Lucas, Ottawa, Sandusky, or Wood counties in Ohio. Immediate family of existing members are also eligible to join.
Membership is open to anyone who lives, works, worships, or attends school in the State of Michigan. Additionally, eligibility extends to employees of over 500 partner organizations, healthcare professionals in the state, and immediate family or household members of current Adventure Credit Union members.
Membership at FreeStar Financial Credit Union is open to those who live, work, worship, or attend school in the state of Michigan, and specifically all of Macomb County. This also includes active duty, reserve, National Guard, veterans, or retired military members within the State of Michigan. Immediate family members of existing members and select employer groups and associations are also eligibl
Transportation Federal Credit Union is open to employees of the Department of Transportation and various transportation-related agencies. Anyone else in the U.S. can become eligible by joining the American Consumer Council (ACC).
Membership is open to anyone who lives, works, worships, attends school, or regularly conducts business in Emmet, Charlevoix, or Cheboygan counties in Michigan.
Affinity Federal Credit Union is open to anyone nationwide who makes a one-time $5 donation to the Affinity Foundation or joins a qualifying association. Employees of over 2,000 partner businesses and family members of current members are also eligible to join.
Service Credit Union offers nationwide membership to anyone in the U.S. who joins the American Consumer Council or the Financial Fitness Association for free. It also primarily serves active duty military, veterans, Department of Defense employees, and their families.
TBA Credit Union is open to anyone who lives, works, worships, or attends school in the state of Michigan. Membership is also available to alumni of Northwestern Michigan College, TBACU employees, and immediate family members of current or eligible members.
See which of these credit unions you can join
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Common questions
Daily. We re-scrape the publicly posted rate pages from every credit union that lends in Michigan every morning.
Yes — credit unions require membership before closing. Most let you open a share account and apply for a mortgage on the same day.
We display both when the credit union publishes them. See our APR vs. interest rate vs. points guide.
Most large banks don't publish mortgage rates online — they quote per applicant. Credit unions almost always post theirs publicly, which is why they dominate our comparison.
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