Michigan Educational Credit Union

Plymouth, Michigan
Last verified: August 4, 2026
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Verified rate book

Current Michigan Educational Credit Union rates

42 published offers verified as of August 4, 2026.

How we verify rates

Auto & vehicle rates

12 offers
Michigan Educational Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Auto Loanauto4.490% APR4.490%—Standard
2025 - 2000 Automobiles (100% Financed) (Up to 36 Months)auto_any_36mo4.490% APR4.490%36 moStandard
2025 - 2000 Automobiles (100% Financed) (48 Months)auto_any_48mo4.740% APR4.740%48 moStandard
2025 - 2000 Automobiles (100% Financed) (60 Months)auto_any_60mo4.990% APR4.990%60 moStandard
2025 - 2000 Automobiles (100% Financed) (72 Months)auto_any_72mo5.240% APR5.240%72 moStandard
New and Used Motorcycles, Snowmobiles, Personal Watercraft (Up to 60 months)motorcycle_any_60mo5.490% APR5.490%60 mo · anyStandard
New & Used Motor Homes, Travel Trailers, Boats & RVs (Up to 84 months)rv_any_84mo5.490% APR5.490%84 mo · anyStandard
2025 - 2000 Automobiles (100% Financed) (84 Months)auto_any_84mo5.490% APR5.490%84 moStandard
New and Used Motorcycles, Snowmobiles, Personal Watercraft (61 - 72 months)motorcycle_any_72mo5.740% APR5.740%72 mo · anyStandard
New and Used Motorcycles, Snowmobiles, Personal Watercraft (73 - 84 months)motorcycle_any_84mo5.990% APR5.990%84 mo · anyStandard
New & Used Motor Homes, Travel Trailers, Boats & RVs (85 - 120 months)rv_any_120mo5.990% APR5.990%120 mo · anyStandard
New & Used Motor Homes, Travel Trailers, Boats & RVs (121 - 180 months)rv_any_180mo6.490% APR6.490%180 mo · anyStandard

HELOC rates

6 offers
Michigan Educational Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
$50,000 And Greaterheloc6.000% APR6.000%—Standard
Variable Rate Home Equity Loans ($50,000 and greater)heloc_variable6.000% APR6.000%—Standard
Variable Rate Home Equity Loans ($10,000 to $49,999)heloc_variable6.500% APR6.500%—Standard
5-Year Home Equity Loan (Fixed)heloc_fixed6.500% APR6.500%—Standard
10-Year Home Equity Loan (Fixed)heloc_fixed7.000% APR7.000%—Standard
15-Year Home Equity Loan (Fixed)heloc_fixed7.500% APR7.500%—Standard

Personal loan rates

4 offers
Michigan Educational Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Home Improvement (60 Months)personal_unsecured_60mo8.750% APR8.750%60 moStandard
Home Improvement (84 Months)personal_unsecured_84mo9.250% APR9.250%84 moStandard
Home Improvement (108 Months)personal_unsecured_108mo9.750% APR9.750%108 moStandard
Personal Installment Loans (Up to 60 Months)personal_unsecured_60mo10.950% APR10.950%60 moStandard

Savings & CD rates

20 offers
Michigan Educational Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
91 Dayssavings2.00% APY2.00%—Standard
Share Certificates (91 Days)share_certificate2.00% APY2.00%—Standard
18-Month Certificatecd_18mo2.90% APY2.90%18 moStandard
18-Month Certificateshare_certificate_18mo2.90% APY2.90%18 moStandard
24-Month Certificatecd_24mo3.00% APY3.00%24 moStandard
24-Month Certificateshare_certificate_24mo3.00% APY3.00%24 moStandard
30-Month Certificateshare_certificate_30mo3.10% APY3.10%30 moStandard
30-Month Certificatecd_30mo3.10% APY3.10%30 moStandard
36-Month Certificatecd_36mo3.30% APY3.30%36 moStandard
36-Month Certificateshare_certificate_36mo3.30% APY3.30%36 moStandard
365 Dayssavings3.35% APY3.35%—Standard
Share Certificates (365 Days)share_certificate3.35% APY3.35%—Standard
48-Month Certificatecd_48mo3.40% APY3.40%48 moStandard
48-Month Certificateshare_certificate_48mo3.40% APY3.40%48 moStandard
60-Month Certificateshare_certificate_60mo3.50% APY3.50%60 moStandard
60-Month Certificatecd_60mo3.50% APY3.50%60 moStandard
Share Certificates (182 Days)share_certificate3.60% APY3.60%—Standard
182 Dayssavings3.60% APY3.60%—Standard
72-Month Certificatecd_72mo5.24% APY5.24%72 moStandard
84-Month Certificatecd_84mo5.49% APY5.49%84 moStandard

Vehicle loans available from 4.49% APR. HELOC rates from 6% APR. Personal loan rates from 8.75% APR. Savings and certificate yields up to 5.49% APY.

Source: RateAPI.dev, verified from Michigan Educational Credit Union's official website

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About Michigan Educational Credit Union

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

Members
48K
Assets
$1.1B
Founded
1942
Locations reported
7
NCUA charter
60931
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
  • First-time homebuyer program

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.

Christian FinancialPlymouth · Plymouth · MI · 48170Branch in the same ZIPCommunity FinancialCORPORATE OFFICE PLYMOUTH · PLYMOUTH · MI · 48170-1759Branch in the same ZIPDFCU FinancialDFCU - Plymouth Township · Plymouth · MI · 48170-2126Branch in the same ZIPGenisys20 Plymouth · Plymouth · MI · 48170-4213Branch in the same ZIPLake TrustPlymouth Town Center · Plymouth · MI · 48170-2220Branch in the same ZIPCommunity Choice08 Northville Member Center · Northville · MI · 48168-2399About 2.6 miles away

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 Michigan Educational Credit Union

Membership eligibility from Michigan Educational Credit Union's own published criteria. How we verify this.

Community charter: live/work in Wayne, Washtenaw, Oakland +3 more, MI

  • LocationWayne, Washtenaw, Oakland, Macomb, Livingston, Jackson — MI

Cost to join: About $6 (a $1 membership fee plus a $5 minimum deposit).

Verified from Michigan Educational 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 Michigan Educational Credit Union offer?

Michigan Educational Credit Union currently offers vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Michigan Educational Credit Union rates updated?

RateAPI verifies Michigan Educational 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 Michigan Educational Credit Union's rate data?

Rate data is collected directly from Michigan Educational Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What are Michigan Educational Credit Union's auto, rv & motorcycle loan rates?

As of August 4, 2026, Michigan Educational Credit Union offers vehicle loans from 4.49% APR.

What is Michigan Educational Credit Union's HELOC rate?

As of August 4, 2026, Michigan Educational Credit Union offers home equity lines of credit from 6% APR.

What is Michigan Educational Credit Union's personal loan rate?

As of August 4, 2026, Michigan Educational Credit Union offers personal loans from 8.75% APR.

What is Michigan Educational Credit Union's best CD rate?

As of August 4, 2026, Michigan Educational Credit Union offers savings and certificate (CD) yields up to 5.49% APY.

Related Rate Data

Compare Michigan Educational Credit Union's rates against national credit-union benchmarks.

More Michigan credit unionsAuto loan rate benchmarkHELOC ratesPersonal loan 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 Michigan Educational Credit Union
curl "https://api.rateapi.dev/credit-unions/michigan/michigan-educational" \
  -H "Authorization: Bearer YOUR_API_KEY"
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