Christian Financial Credit Union

Sterling Height, Michigan
Last verified: August 4, 2026
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Verified rate book

Current Christian Financial Credit Union rates

63 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

13 offers
Christian Financial Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
30-Year Fixed30 year fixed6.500% APR6.500%—Standard
30-Year Fixed30 year fixed6.660% APR6.500%—Standard
15-Year Fixed15 year fixed5.875% APR5.875%—Standard
5/1 ARM5 1 arm5.750% APR5.750%—Standard
7/1 ARM7 1 arm5.875% APR5.875%—Standard
7/1 ARM7 1 arm6.299% APR5.875%—Standard
7/1 ARM7 1 arm6.299% APR6.299%—Standard
5/1 ARM5 1 arm6.328% APR5.750%—Standard
One-Time Close Constructionother6.750% APR6.750%—Standard
One-Time Close Constructionother6.915% APR6.750%—Standard
30-Year Fixed, Refinance30 year fixed6.500% APR6.500%—Standard
30-Year Fixed, Refinance30 year fixed6.673% APR6.500%—Standard
15-Year Fixed, Refinance15 year fixed5.875% APR5.875%—Standard

Auto & vehicle rates

11 offers
Christian Financial Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Featured Car, Boat & RVboat4.740% APR4.740%—Standard
Auto Loans '16 – '21 (12 – 60 months)auto_any_60mo4.740% APR4.740%60 moStandard
Auto Loans '22 – '26 (12 – 60 months)auto_any_60mo4.740% APR4.740%60 moStandard
Boat & Recreational Vehicle Loans (Up to 120 months)boat_any_120mo4.990% APR4.990%120 moStandard
Auto Loans '16 – '21 (61 – 75 months | $15,000 & over)auto_any_75mo5.240% APR5.240%75 moStandard
Auto Loans '22 – '26 (61 – 75 months | $15,000 & over)auto_any_75mo5.240% APR5.240%75 moStandard
Auto Loans '22 - '26 (76 - 84 months | $30,000 & over)auto_any_84mo5.490% APR5.490%84 moStandard
Auto Loans '16 – '21 (76 – 84 months | $30,000 & over)auto_any_84mo5.490% APR5.490%84 moStandard
Boat & Recreational Vehicle Loans (Up to 180 months)boat_any_180mo5.750% APR5.750%180 moStandard
Boat & Recreational Vehicle Loans (Up to 240 months)boat_any_240mo5.750% APR5.750%240 moStandard
Auto Rates – up to '15 (12 – 60 months)auto_any_60mo8.990% APR8.990%60 moStandard

HELOC rates

4 offers
Christian Financial Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
HELOC (Variable)heloc_variable5.750% APR5.750%—Standard
5-Year Home Equity Loan (Fixed)heloc_fixed6.000% APR6.000%—Standard
10-Year Home Equity Loan (Fixed)heloc_fixed7.375% APR7.375%—Standard
15-Year Home Equity Loan (Fixed)heloc_fixed7.625% APR7.625%—Standard

Personal loan rates

8 offers
Christian Financial Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
What’s Your Personal Preference?personal6.740% APR6.740%—Standard
What’s Your Personal Preference? (Savings Secured Loan Apply Apply)personal_secured6.740% APR6.740%—Standard
What’s Your Personal Preference? (Debt Shed Apply Apply)personal9.490% APR9.490%—Standard
Seasonal Personal Loan**personal_unsecured_12mo9.990% APR9.990%12 moStandard
What’s Your Personal Preference? (Seasonal Loan Apply Apply)personal9.990% APR9.990%—Standard
What’s Your Personal Preference? (Personal Loan Apply Apply)personal_unsecured10.490% APR10.490%—Standard
60-Month Unsecured Personal Loanpersonal_unsecured_60mo10.490% APR10.490%60 moStandard
What’s Your Personal Preference? (Line of Credit Apply Apply)ploc_variable11.490% APR11.490%—Standard

Credit card rates

3 offers
Christian Financial Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Platinum Credit Cardcredit_card_platinum8.900% APR8.900%—Standard
Visa Signature Credit Card**credit_card_platinum9.900% APR9.900%—Standard
Business Credit Cardcredit_card_business12.000% APR12.000%—Standard

Savings & CD rates

18 offers
Christian Financial Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Certificates of Deposit (12 Month Save To Win Certificate***)cd_12mo1.50% APY1.50%12 moStandard
48-Month Certificatecd_48mo3.50% APY3.50%48 moStandard
48-Month IRA Certificateira_cd_48mo3.50% APY3.50%48 moStandard
Certificates of Deposit (12 Month Super Saver Certificate**)cd_12mo3.50% APY3.50%12 moStandard
60-Month Certificatecd_60mo3.75% APY3.75%60 moStandard
36-Month Certificatecd_36mo3.75% APY3.75%36 moStandard
60-Month IRA Certificateira_cd_60mo3.75% APY3.75%60 moStandard
36-Month IRA Certificateira_cd_36mo3.75% APY3.75%36 moStandard
12-Month Certificatecd_12mo4.00% APY4.00%12 moStandard
Certificates of Deposit (12 Month Youth Certificate)cd_12mo4.00% APY4.00%12 moEligibility restricted
12-Month IRA Certificateira_cd_12mo4.00% APY4.00%12 moStandard
18-Month Certificatecd_18mo4.10% APY4.10%18 moStandard
18-Month IRA Certificateira_cd_18mo4.10% APY4.10%18 moStandard
24-Month Certificatecd_24mo4.20% APY4.20%24 moStandard
24-Month Certificatecd_24mo4.20% APY4.20%24 moStandard
24-Month IRA Certificateira_cd_24mo4.20% APY4.20%24 moStandard
Youth Savingssavings5.00% APY5.00%—Eligibility restricted
Youth Savings*savings5.00% APY5.00%—Eligibility restricted

Other rates

6 offers
Christian Financial Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Featured Ratesother4.200% %4.200%—Standard
Energy Smart Financing with Michigan Saves (Up to 120 Months)other6.240% %6.240%—Standard
Energy Smart Financing with Michigan Saves (180 Months)other6.740% %6.740%—Standard
Up to 84 Months (must be over $10,000)other7.740% %7.740%—Standard
Debt Shed - Under $10,000other9.490% %9.490%—Standard
Debt Shed - $10,000 to $15,000**other10.490% %10.490%—Standard

As of August 4, 2026, Christian Financial Credit Union offers a 30-year fixed mortgage at 6.5% APR. Vehicle loans available from 4.74% APR. HELOC rates from 5.75% APR. Personal loan rates from 6.74% APR. Credit card rates from 8.9% APR. Savings and certificate yields up to 4.20% APY.

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

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About Christian Financial Credit Union

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

Members
61.6K
Assets
$1.1B
Founded
1967
Locations reported
13
NCUA charter
63805
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
  • 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.

Alliance CatholicSterling Heights · Sterling Heights · MI · 48312Branch in the same ZIPCredit Union OneCUO-Sterling Hts. · Sterling Heights · MI · 48312-3610Branch in the same ZIPFreestar FinancialSterling · Sterling Heights · MI · 48312Branch in the same ZIPGenisys19 Sterling Heights · Sterling Heights · MI · 48312Branch in the same ZIPLake MichiganSterling Heights · Sterling Heights · MI · 48312Branch in the same ZIPMichigan FirstSterling Heights Walmart · Sterling Heights · MI · 48312Branch 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 Christian Financial Credit Union

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

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

Verified from Christian Financial 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 Christian Financial Credit Union offer?

Christian Financial 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 Christian Financial Credit Union rates updated?

RateAPI verifies Christian Financial 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 Christian Financial Credit Union's rate data?

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

As of August 4, 2026, Christian Financial Credit Union offers a 30-year fixed mortgage at 6.5% APR.

What are Christian Financial Credit Union's auto & boat loan rates?

As of August 4, 2026, Christian Financial Credit Union offers vehicle loans from 4.74% APR.

What is Christian Financial Credit Union's HELOC rate?

As of August 4, 2026, Christian Financial Credit Union offers home equity lines of credit from 5.75% APR.

What is Christian Financial Credit Union's personal loan rate?

As of August 4, 2026, Christian Financial Credit Union offers personal loans from 6.74% APR.

What is Christian Financial Credit Union's best CD rate?

As of August 4, 2026, Christian Financial Credit Union offers savings and certificate (CD) yields up to 4.20% APY.

Related Rate Data

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

More Michigan credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card 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 Christian Financial Credit Union
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  -H "Authorization: Bearer YOUR_API_KEY"
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