Stay Connected

Stay connected

Invest in Yourself

Invest in yourself


Refer Your Friends

Home Grown

Home grown - learn more

What is your dream?



Our mission is to help you save money. Check below and you’ll find the rate and term to help you earn or save more. We will even set up a special account to help you start working toward your personal dream or goal. Financial Solutions made easy.

Please review our Account Agreement & Disclosure: Truth-in-Savings Disclosure for details on dividend calculation and information on when dividends are paid.

Loan Rates - Effective Wednesday, May 4, 2016
Loan TypeRates as low asTerms/Information
Used Vehicle Rates1.989%As Low As
New Auto and Truck Rates1.989%As Low As
Loans for whatever your need9.710%Other terms available! Signature loans
Home Equity - Line of Credit4.000%Variable Rate Home Equity Line of Credit
Home Equity-Fixed Rate & Term4.000%Fixed %-Fixed term-Fix your problem!-Longer terms available!
Motorhome/Camper-Up to 48 mos3.150%Longer terms available!
Boat - Up to 36 mos3.150%Longer terms available!
Powersport/RV - Up to 48 mos3.150%Longer terms available!
ReadyCash Line-of-Credit8.750%It's Ready when you are!

Your Actual APR (Annual Percentage Rate) will be based upon your individual credit worthiness, loan amount, term of loan and applicable prepaid items.

Apply Online Now! You don't even have to be a member yet.

HELOC Loans have a $10,000.00 minimum. Visa requires annual use of card or a fee may be imposed.

*Minimum Balance to earn the stated Annual Percentage Rate (APR) and Annual Percentage Yield (APY).
**All rates are disclosed as Annual Percentage Rates (APR)

* Variable Annual Percentage Rates (APR) are based on an index plus a margin. Applicable rates are based on applicant’s credit history and loan-to-value. Property, title and/or flood insurance, if applicable, is required.

Michigan Legacy Credit Union will pay closing costs (excluding government recording charges and title insurance) on new Equity Loan applications (Fixed Equity Loans/Lines of Credit). Loans paid off and closed in less than 18 months from the loan origination date will require reimbursement of all closing costs paid by Michigan Legacy Credit Union. For loan amounts up to $250,000, closing costs typically range between $150 and $900. The closing costs depend on the location of the property and the amount of the Equity Loan. Offer excludes Equity Loans/Lines of Credit used for a home purchase and the appraisal fee, if an appraisal is necessary.