First Area Credit Union
Verified rate book
Current First Area Credit Union rates
18 published offers verified as of August 3, 2026.
HELOC rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| HELOC (Variable)heloc_variable | 6.750% APR | 6.750% | — | Standard |
| Home Equity Loan (Fixed)heloc_fixed | 7.000% APR | 7.000% | — | Standard |
Savings & CD rates
16 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Primary Savingssavings | 0.01% APY | 0.01% | — | Standard |
| Additional Savingssavings | 0.01% APY | 0.01% | — | Standard |
| Savings Education IRAira | 0.01% APY | 0.01% | — | Standard |
| Money Marketmoney_market | 0.05% APY | 0.05% | — | Standard |
| Money Marketmoney_market | 0.10% APY | 0.10% | — | Standard |
| Money Marketmoney_market | 0.20% APY | 0.20% | — | Standard |
| Money Marketmoney_market | 0.30% APY | 0.30% | — | Standard |
| Money Marketmoney_market | 0.40% APY | 0.40% | — | Standard |
| HSAsavings | 0.60% APY | 0.60% | — | Standard |
| 6-Month Certificateshare_certificate_6mo | 1.98% APY | 2.00% | 6 mo | Standard |
| High Yield Savingssavings | 1.98% APY | 2.00% | — | Standard |
| 48-Month Certificateshare_certificate_48mo | 2.71% APY | 2.75% | 48 mo | Standard |
| 24-Month Certificateshare_certificate_24mo | 2.96% APY | 3.00% | 24 mo | Standard |
| 12-Month Certificateshare_certificate_12mo | 3.20% APY | 3.25% | 12 mo | Standard |
| 15-Month Certificateshare_certificate_15mo | 3.64% APY | 3.70% | 15 mo | Standard |
| 7-Month Certificateshare_certificate_7mo | 3.78% APY | 3.85% | 7 mo | Standard |
HELOC rates from 6.75% APR. Savings and certificate yields up to 3.78% APY.
Source: RateAPI.dev, verified from First Area Credit Union's official website
Who Can Join First Area Credit Union
Membership eligibility from First Area Credit Union's own published criteria. How we verify this.
Membership criteria are published on First Area Credit Union's website. Check the membership page below to confirm whether you qualify.
Verified from First Area Credit Union's membership page. Final membership determination is always made by the credit union.
Work at First Area Credit Union?
This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where First Area Credit Union ranks against Michigan peers.
Frequently Asked Questions
What rates does First Area Credit Union offer?
First Area Credit Union currently offers HELOC rates. The rates shown on this page were last verified August 3, 2026 directly from the credit union's official website.
How often are First Area Credit Union rates updated?
RateAPI verifies First Area Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 3, 2026.
Where does RateAPI get First Area Credit Union's rate data?
Rate data is collected directly from First Area 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 First Area Credit Union's HELOC rate?
As of August 3, 2026, First Area Credit Union offers home equity lines of credit from 6.75% APR.
What is First Area Credit Union's best CD rate?
As of August 3, 2026, First Area Credit Union offers savings and certificate (CD) yields up to 3.78% APY.
Related Rate Data
Compare First Area Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyTrack First Area Credit Union rates
Get a free API key to query these rates programmatically, or get the daily email when Michigan credit union rates move.
Use it via API
Access this data programmatically with our REST API
# Get rates for First Area Credit Union
curl "https://api.rateapi.dev/credit-unions/michigan/first-area" \
-H "Authorization: Bearer YOUR_API_KEY"