Jolt Credit Union
Verified rate book
Current Jolt Credit Union rates
126 published offers verified as of August 4, 2026.
Mortgage rates
27 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 30-Year Fixed30 year fixed | 5.841% APR | 5.841% | — | Standard |
| 30-Year Fixed, Home Possible30 year fixed | 6.125% APR | 6.125% | — | Standard |
| 30-Year Fixed30 year fixed | 6.500% APR | 6.500% | — | Standard |
| VIEW OUR HOME LOAN RATES (30-Year Fixed, Home Possible)30 year fixed | 6.524% APR | 6.125% | — | Standard |
| VIEW OUR HOME LOAN RATES (30-Year Fixed)30 year fixed | 6.857% APR | 6.500% | — | Standard |
| 15-Year Fixed15 year fixed | 5.875% APR | 5.875% | — | Standard |
| VIEW OUR HOME LOAN RATES (15-Year Fixed)15 year fixed | 6.542% APR | 5.875% | — | Standard |
| 20-Year Fixed20 year fixed | 6.000% APR | 6.000% | — | Standard |
| VIEW OUR HOME LOAN RATES (20-Year Fixed)20 year fixed | 6.533% APR | 6.000% | — | Standard |
| VIEW OUR HOME LOAN RATES (20% Down Payment Payments amortized 360 months)other | 4.990% APR | 4.990% | — | Standard |
| VIEW OUR HOME LOAN RATES (5% Down Payment Payments amortized 360 months)other | 4.990% APR | 4.990% | — | Standard |
| 10 Year Balloonother | 4.990% APR | 4.990% | — | Standard |
| VIEW OUR HOME LOAN RATES (10 Year Balloon)other | 5.326% APR | 4.990% | — | Standard |
| MSHDAother | 5.750% APR | 5.750% | — | Standard |
| MSHDA First-Time Homebuyer Rates (5% Down Payment Payments amortized 360 months)other | 5.750% APR | 5.750% | — | Standard |
| VIEW OUR HOME LOAN RATES (5% Down Payment Payments amortized 180 months)other | 5.875% APR | 5.875% | — | Standard |
| VIEW OUR HOME LOAN RATES (5% Down Payment Payments amortized 240 months)other | 6.000% APR | 6.000% | — | Standard |
| VIEW OUR HOME LOAN RATES (3% Down Payment Payments amortized 360 months)other | 6.125% APR | 6.125% | — | Standard |
| VIEW OUR HOME LOAN RATES (MSHDA)other | 6.255% APR | 5.750% | — | Standard |
| VIEW OUR HOME LOAN RATES (10% Down Payment Payments amortized 360 months)other | 6.375% APR | 6.375% | — | Standard |
| MSHDA First-Time Homebuyer Rates (10% Down Payment Payments amortized 360 months)other | 6.375% APR | 6.375% | — | Standard |
| MSHDA with DPA**other | 6.375% APR | 6.375% | — | Standard |
| VIEW OUR HOME LOAN RATES (MSHDA with DPA**)other | 6.898% APR | 6.375% | — | Standard |
| Land Loanother | 8.000% APR | 8.000% | — | Standard |
| VIEW OUR HOME LOAN RATES (20% Down Payment, Payments amortized up to 240 months)other | 8.000% APR | 8.000% | — | Standard |
| VIEW OUR HOME LOAN RATES (Land Loan)other | 9.478% APR | 8.000% | — | Standard |
| 2024 Federal Taxable Income Brackets and Rates (for returns due in April 2025)other | 10.000% APR | 10.000% | — | Standard |
Auto & vehicle rates
40 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Up to 24-Month Used Auto Loanauto_used_24mo | 3.350% APR | 3.350% | 24 mo · used | Standard |
| Used Auto Loan Rates - 90 Days No Payment* (2015 & Newer)auto_used_36mo | 4.740% APR | 4.740% | 36 mo · used | Standard |
| New Auto Loan Rates - 90 Days No Payment* (2024 & Newer)auto_new_36mo | 4.740% APR | 4.740% | 36 mo · new | Standard |
| New Auto Loan Rates - 90 Days No Payment* (Up to 36 Months)auto_new_36mo | 4.740% APR | 4.740% | 36 mo · new | Standard |
| New Auto Loan Rates - 90 Days No Payment* (37 to 48 Months)auto_new_48mo | 4.740% APR | 4.740% | 48 mo · new | Standard |
| New Auto Loan Rates - 90 Days No Payment* (49 to 60 Months)auto_new_60mo | 4.740% APR | 4.740% | 60 mo · new | Standard |
| New Auto Loans: 49 to 60 Monthsauto_new_60mo | 4.793% APR | 4.793% | 60 mo · new | Standard |
| Used Auto Loans: 49 to 60 monthsauto_used_60mo | 4.793% APR | 4.793% | 60 mo · used | Standard |
| Used Auto Loans: 37 to 48 monthsauto_used_48mo | 4.805% APR | 4.805% | 48 mo · used | Standard |
| New Auto Loans: 37 to 48 Monthsauto_new_48mo | 4.805% APR | 4.805% | 48 mo · new | Standard |
| Up to 36-Month Used Auto Loanauto_used_36mo | 4.824% APR | 4.824% | 36 mo · used | Standard |
| Up to 36-Month New Auto Loanauto_new_36mo | 4.824% APR | 4.824% | 36 mo · new | Standard |
| New Auto Loan Rates - 90 Days No Payment* (61 to 72 Months)auto_new_72mo | 5.490% APR | 5.490% | 72 mo · new | Standard |
| Used Auto Loan Rates - 90 Days No Payment* (2015 & Newer)auto_used_66mo | 5.490% APR | 5.490% | 66 mo · used | Standard |
| New Auto Loan Rates - 90 Days No Payment* (2024 & Newer)auto_new_72mo | 5.490% APR | 5.490% | 72 mo · new | Standard |
| Used Auto Loans: 61 to 72 monthsauto_used_72mo | 5.536% APR | 5.536% | 72 mo · used | Standard |
| New Auto Loans: 61 to 72 monthsauto_new_72mo | 5.536% APR | 5.536% | 72 mo · new | Standard |
| Used Auto Loans: 61 to 66 monthsauto_used_66mo | 5.539% APR | 5.539% | 66 mo · used | Standard |
| Used Auto Loan Rates - 90 Days No Payment* (2021 & Newer)auto_used_84mo | 5.740% APR | 5.740% | 84 mo · used | Standard |
| New Auto Loan Rates - 90 Days No Payment* (2024 & Newer)auto_new_84mo | 5.740% APR | 5.740% | 84 mo · new | Standard |
| New Auto Loan Rates - 90 Days No Payment* (73 to 84 Months (Minimum $10,000 Loan))auto_new_84mo | 5.740% APR | 5.740% | 84 mo · new | Standard |
| 73 to 84 Months (Minimum $10,000 Loan)auto_any_84mo | 5.740% APR | 5.740% | 84 mo | Standard |
| New Auto Loans: 73 to 84 Monthsauto_new_84mo | 5.780% APR | 5.780% | 84 mo · new | Standard |
| Used Auto Loans: 73 to 84 Monthsauto_used_84mo | 5.780% APR | 5.780% | 84 mo · used | Standard |
| First-Time Auto Buyer Program (2015 – 2026)auto_any_60mo | 6.740% APR | 6.740% | 60 mo | Standard |
| First-Time Auto Buyer Program (Up to 60 Months)auto_any_60mo | 6.740% APR | 6.740% | 60 mo | Standard |
| First-Time Auto Buyer Program (61 to 72 Months)auto_any_72mo | 7.490% APR | 7.490% | 72 mo | Standard |
| First-Time Auto Buyer Program (2015 – 2026)auto_any_72mo | 7.490% APR | 7.490% | 72 mo | Standard |
| All Recreation Units 2015 or newerauto_any_36mo | 7.990% APR | 7.990% | 36 mo | Standard |
| Miscellaneous - All Recreation Vehicles 49 to 60 Monthsauto_any_60mo | 8.049% APR | 8.049% | 60 mo | Standard |
| Miscellaneous - All Recreation Vehicles 37 to 48 Monthsauto_any_48mo | 8.111% APR | 8.111% | 48 mo | Standard |
| Miscellaneous - All Recreation Vehicles Up to 36 Monthsauto_any_36mo | 8.148% APR | 8.148% | 36 mo | Standard |
| All Recreation Units 2015 or newerauto_any_72mo | 8.490% APR | 8.490% | 72 mo | Standard |
| Miscellaneous - All Recreation Vehicles 61 to 72 Monthsauto_any_72mo | 8.540% APR | 8.540% | 72 mo | Standard |
| All Recreation Units 2021 or newerauto_any_84mo | 8.750% APR | 8.750% | 84 mo | Standard |
| Miscellaneous - All Recreation Vehicles 73 to 84 Monthsauto_any_84mo | 8.781% APR | 8.781% | 84 mo | Standard |
| All Recreation Units 2021 or newerauto_any_120mo | 8.990% APR | 8.990% | 120 mo | Standard |
| Miscellaneous - All Recreation Vehicles 85 to 120 Monthsauto_any_120mo | 9.013% APR | 9.013% | 120 mo | Standard |
| Large Recreation Units 2021 or newer - $10,000 Minimumauto_any_180mo | 9.990% APR | 9.990% | 180 mo | Standard |
| Miscellaneous - All Recreation Vehicles 121 to 180 Monthsauto_any_180mo | 10.007% APR | 10.007% | 180 mo | Standard |
HELOC rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| HELOC - Up to 90% LTV - 5yr Interest Onlyheloc_variable | 4.750% APR | 4.750% | — | Standard |
| HELOC (Variable)heloc_variable | 4.750% APR | 4.750% | — | Standard |
Personal loan rates
16 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Shared Secured Loan: Up to 12 monthspersonal_secured_12mo | 3.050% APR | 3.050% | 12 mo | Standard |
| Personal Loans (Share-Secure Loan)personal_secured | 3.050% APR | 3.050% | — | Standard |
| Personal Loans (13 to 36 Months)personal_unsecured_36mo | 4.050% APR | 4.050% | 36 mo | Standard |
| Shared Secured Loan: Up to 36 monthspersonal_secured_36mo | 4.050% APR | 4.050% | 36 mo | Standard |
| Technology Loanpersonal | 5.250% APR | 5.250% | — | Standard |
| Miscellaneous - Home Improvement Loanpersonal | 6.990% APR | 6.990% | — | Standard |
| Personal Loans (12 to 60 Months)personal_unsecured_60mo | 11.750% APR | 11.750% | 60 mo | Standard |
| Personal Loans (61 to 72 Months)personal_unsecured_72mo | 11.750% APR | 11.750% | 72 mo | Standard |
| Signature Loan - $10,000 Minimumpersonal_unsecured | 11.750% APR | 11.750% | — | Standard |
| Personal Loans (Signature Loan - $10,000 Minimum)personal_unsecured | 11.882% APR | 11.750% | — | Standard |
| Signature Loan - $10,000 Minimumpersonal_unsecured_72mo | 11.882% APR | 11.750% | 72 mo | Standard |
| Personal Loans (Signature Loan - $2,000 Minimum)personal_unsecured | 11.904% APR | 11.750% | — | Standard |
| Signature Loanpersonal_unsecured | 11.904% APR | 11.904% | — | Standard |
| Signature Loan - $2,000 Minimumpersonal_unsecured_60mo | 11.904% APR | 11.750% | 60 mo | Standard |
| Personal Loans (Let's Go Loan**)personal_unsecured | 18.990% APR | 18.990% | — | Standard |
| Up to 12-Month Unsecured Personal Loanpersonal_unsecured_12mo | 18.990% APR | 18.990% | 12 mo | Standard |
Credit card rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Balance Transfer Credit Cardcredit_card_balance_transfer | 9.000% APR | 9.000% | — | Standard |
| Miscellaneous - Platinum VISA Credit Cardcredit_card_platinum | 9.900% APR | 9.900% | — | Standard |
Savings & CD rates
35 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Traditional and Roth IRA Share Certificates ($1,000)ira_cd_3mo | 0.50% APY | 0.50% | 3 mo | Standard |
| Youth 3 Month**cd_3mo | 0.50% APY | 0.50% | 3 mo | Eligibility restricted |
| Certificate Account (Youth 3 Month**)share_certificate_3mo | 0.50% APY | 0.50% | 3 mo | Eligibility restricted |
| 48-Month Certificateshare_certificate_48mo | 3.21% APY | 3.25% | 48 mo | Standard |
| 6-Month Certificatecd_6mo | 3.21% APY | 3.21% | 6 mo | Standard |
| Certificate Account (39 Month Bump Up)share_certificate_39mo | 3.21% APY | 3.25% | 39 mo | Standard |
| 36-Month Certificateshare_certificate_36mo | 3.21% APY | 3.25% | 36 mo | Standard |
| 48-Month Certificatecd_48mo | 3.21% APY | 3.21% | 48 mo | Standard |
| 60-Month Certificatecd_60mo | 3.21% APY | 3.21% | 60 mo | Standard |
| 60-Month Certificateshare_certificate_60mo | 3.21% APY | 3.25% | 60 mo | Standard |
| 36-Month Certificatecd_36mo | 3.21% APY | 3.21% | 36 mo | Standard |
| 39 Month Bump Upcd_39mo | 3.21% APY | 3.25% | 39 mo | Standard |
| Coverdell ESA Share Certificates (60 Month)share_certificate_60mo | 3.25% APY | 3.25% | 60 mo | Standard |
| Coverdell ESA Share Certificates (48 Month)share_certificate_48mo | 3.25% APY | 3.25% | 48 mo | Standard |
| Coverdell ESA Share Certificates (36 Month)share_certificate_36mo | 3.25% APY | 3.25% | 36 mo | Standard |
| Traditional and Roth IRA Share Certificates ($1,000)ira_cd_36mo | 3.25% APY | 3.25% | 36 mo | Standard |
| Certificate Account (Youth 6 Month**)share_certificate_6mo | 3.45% APY | 3.50% | 6 mo | Eligibility restricted |
| Youth 6 Month**cd_6mo | 3.45% APY | 3.50% | 6 mo | Eligibility restricted |
| 18-Month Certificatecd_18mo | 3.45% APY | 3.50% | 18 mo | Standard |
| 18-Month Certificateshare_certificate_18mo | 3.45% APY | 3.50% | 18 mo | Standard |
| Certificate Account (Youth 12 Month**)share_certificate_12mo | 3.45% APY | 3.50% | 12 mo | Eligibility restricted |
| Youth 12 Month**cd_12mo | 3.45% APY | 3.50% | 12 mo | Eligibility restricted |
| 12-Month Certificatecd_12mo | 3.45% APY | 3.45% | 12 mo | Standard |
| 24-Month Certificatecd_24mo | 3.46% APY | 3.46% | 24 mo | Standard |
| 24-Month Certificateshare_certificate_24mo | 3.46% APY | 3.50% | 24 mo | Standard |
| Coverdell ESA Share Certificates (12 Month)share_certificate_12mo | 3.50% APY | 3.50% | 12 mo | Standard |
| Coverdell ESA Share Certificates (18 Month)share_certificate_18mo | 3.50% APY | 3.50% | 18 mo | Standard |
| Traditional and Roth IRA Share Certificates ($1,000)ira_cd_6mo | 3.50% APY | 3.50% | 6 mo | Standard |
| Coverdell ESA Share Certificates (24 Month)share_certificate_24mo | 3.50% APY | 3.50% | 24 mo | Standard |
| Coverdell ESA Share Certificates (6 Month)share_certificate_6mo | 3.50% APY | 3.50% | 6 mo | Standard |
| 30-Month Certificatecd_30mo | 3.70% APY | 3.70% | 30 mo | Standard |
| 30-Month Certificateshare_certificate_30mo | 3.70% APY | 3.75% | 30 mo | Standard |
| Traditional and Roth IRA Share Certificates ($1,000)ira_cd_30mo | 3.75% APY | 3.75% | 30 mo | Standard |
| Coverdell ESA Share Certificates (30 Month)share_certificate_30mo | 3.75% APY | 3.75% | 30 mo | Standard |
| Share-Secure Loanother | 3.05% APY | 3.05% | — | Standard |
Other rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 10-Year U.S. Inflation: Average 1.9%other | 0.100% % | 0.100% | — | Standard |
| Source: U.S. Department of Laborother | 1.600% % | 1.600% | — | Standard |
| Let's Go Loanother | 18.990% % | 18.990% | — | Standard |
| 2024 Federal Taxable Income Brackets and Rates (for returns due in April 2025)other | 22.000% % | 22.000% | — | Standard |
As of August 4, 2026, Jolt Credit Union offers a 30-year fixed mortgage at 5.841% APR. Auto loans available from 3.35% APR for 24 months. HELOC rates from 4.75% APR. Personal loan rates from 3.05% APR. Credit card rates from 9% APR. Savings and certificate yields up to 3.75% APY.
Source: RateAPI.dev, verified from Jolt Credit Union's official website
Latest available market position · Snapshot August 1, 2026
Jolt Credit Union statewide rate position
This dated snapshot compares the credit union's best published rate in each tracked product with other MI credit unions in the same product market. Products may age out of the current rate book until they are verified again.
Best statewide position#1 of 38Used Auto Loan (best offer, cars)
Percentile bandTop 3%among comparable MI offers
Products tracked6in this dated snapshot
Best-position spread165 bp better than state medianState market leader
| Product | Published rate | State rank | State best | State median | Position vs. median |
|---|---|---|---|---|---|
| 30-Year Fixed Mortgage (purchase) | 5.84% APR | #5 of 32 · top 16% | 5.50% | 6.75% | 91 bp better than state median |
| New Auto Loan (best offer, cars) | 4.74% APR | #16 of 38 · top 43% | 3.25% | 4.79% | 5 bp better than state median |
| Used Auto Loan (best offer, cars) | 3.35% APR | #1 of 38 · top 3% | 3.35% | 5.00% | 165 bp better than state median |
| HELOC (best offer) | 4.75% APR | #6 of 71 · top 9% | 3.45% | 6.25% | 150 bp better than state median |
| Personal Loan (unsecured, best offer) | 4.05% APR | #3 of 96 · top 4% | 4.00% | 9.00% | 495 bp better than state median |
| 12-Month CD (best APY) | 3.50% APY | #18 of 34 · top 53% | 4.50% | 3.50% | Matches state median |
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About Jolt Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 27.4K
- Assets
- $483.4M
- Founded
- 1956
- Locations reported
- 5
- NCUA charter
- 68703
- 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
- First-time homebuyer program
- 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.
ElgaCabaret · Saginaw · MI · 48603-2266Branch in the same ZIPFinancial PlusWCU - Shattuck Branch · Saginaw · MI · 48603-3075Branch in the same ZIPFrankenmuthTown & Country · Saginaw · MI · 48603Branch in the same ZIPHealth AdvantageSTATE ST OFFICE · SAGINAW · MI · 48603Branch in the same ZIPLake HuronShattuck Branch · Saginaw · MI · 48603Branch in the same ZIPLake MichiganSaginaw · Saginaw · MI · 48603Branch 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 Jolt Credit Union
Membership eligibility from Jolt Credit Union's own published criteria. How we verify this.
Community charter: live/work in Bay, Saginaw, Midland +16 more
- LocationBay, Saginaw, Midland, Gratiot, Gladwin, Isabella, Clare, Arenac, Tuscola, Huron, Sanilac, Osceola, Wexford, Mecosta, Montcalm, Iosco, Ogemaw, Roscommon, Missaukee
- EmployerJolt Credit Union
Verified from Jolt Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Jolt Credit Union?
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Frequently Asked Questions
What rates does Jolt Credit Union offer?
Jolt Credit Union currently offers mortgage, Auto 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 Jolt Credit Union rates updated?
RateAPI verifies Jolt 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 Jolt Credit Union's rate data?
Rate data is collected directly from Jolt 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 Jolt Credit Union's mortgage rate?
As of August 4, 2026, Jolt Credit Union offers a 30-year fixed mortgage at 5.841% APR.
What are Jolt Credit Union's auto loan rates?
As of August 4, 2026, Jolt Credit Union offers auto loans from 3.35% APR.
What is Jolt Credit Union's HELOC rate?
As of August 4, 2026, Jolt Credit Union offers home equity lines of credit from 4.75% APR.
What is Jolt Credit Union's personal loan rate?
As of August 4, 2026, Jolt Credit Union offers personal loans from 3.05% APR.
What is Jolt Credit Union's best CD rate?
As of August 4, 2026, Jolt Credit Union offers savings and certificate (CD) yields up to 3.75% APY.
Related Rate Data
Compare Jolt 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 Jolt Credit Union rates
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terminal
# Get rates for Jolt Credit Union
curl "https://api.rateapi.dev/credit-unions/michigan/jolt" \
-H "Authorization: Bearer YOUR_API_KEY"