Route 31 Credit Union
Verified rate book
Current Route 31 Credit Union rates
9 published offers verified as of August 4, 2026.
Auto & vehicle rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Auto & Motorcyclemotorcycle | 3.990% APR | 3.990% | — | Standard |
| Snowmobile, ATV, Watercraftpowersports | 5.490% APR | 5.490% | — | Standard |
| Boat & RVboat | 6.240% APR | 6.240% | — | Standard |
HELOC rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Closed-End Home Equity Loanheloc_fixed | 5.740% APR | 5.740% | — | Standard |
| HELOC (Variable)heloc_variable | 6.750% APR | 6.750% | — | Standard |
Personal loan rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Unsecured Personal Loanpersonal_unsecured | 8.740% APR | 8.740% | — | Standard |
Credit card rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Non-Rewards Visacredit_card_rewards | 8.000% APR | 8.000% | — | Standard |
| Rewards Credit Cardcredit_card_rewards | 10.000% APR | 10.000% | — | Standard |
Other rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Expressway Loanother | 3.990% % | 3.990% | — | Standard |
Vehicle loans available from 3.99% APR. HELOC rates from 5.74% APR. Personal loan rates from 8.74% APR. Credit card rates from 8% APR.
Source: RateAPI.dev, verified from Route 31 Credit Union's official website
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About Route 31 Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 9.5K
- Assets
- $101.5M
- Founded
- 1949
- Locations reported
- 2
- NCUA charter
- 5982
- Charter type
- Federal 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
- Bilingual services
- Student scholarships
- Payday Alternative Loans II
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.
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 Route 31 Credit Union
Membership eligibility from Route 31 Credit Union's own published criteria. How we verify this.
Community charter: live/work in Muskegon, Ottawa, Oceana +14 more
- LocationMuskegon, Ottawa, Oceana, Newaygo, Antrim, Benzie, Gratiot, Kalkaska, Lake, Leelanau, Manistee, Mason, Mecosta, Missaukee, Montcalm, Osceola, Wexford
Cost to join: About $6 (a $1 membership fee plus a $5 minimum deposit).
Verified from Route 31 Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Route 31 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 Route 31 Credit Union ranks against Michigan peers.
Frequently Asked Questions
What rates does Route 31 Credit Union offer?
Route 31 Credit Union currently offers 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 Route 31 Credit Union rates updated?
RateAPI verifies Route 31 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 Route 31 Credit Union's rate data?
Rate data is collected directly from Route 31 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 Route 31 Credit Union's boat, motorcycle & powersports loan rates?
As of August 4, 2026, Route 31 Credit Union offers vehicle loans from 3.99% APR.
What is Route 31 Credit Union's HELOC rate?
As of August 4, 2026, Route 31 Credit Union offers home equity lines of credit from 5.74% APR.
What is Route 31 Credit Union's personal loan rate?
As of August 4, 2026, Route 31 Credit Union offers personal loans from 8.74% APR.
Related Rate Data
Compare Route 31 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 Route 31 Credit Union rates
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Use it via API
Access this data programmatically with our REST API
# Get rates for Route 31 Credit Union
curl "https://api.rateapi.dev/credit-unions/michigan/route-31" \
-H "Authorization: Bearer YOUR_API_KEY"