WMCU Credit Union

Grand Rapids, Michigan
Last verified: August 4, 2026
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Verified rate book

Current WMCU Credit Union rates

62 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

4 offers
WMCU Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
15-Year Fixed15 year fixed5.500% APR5.500%—Standard
Home Loanother5.500% APR5.500%—Standard
Vacant Land Loans (180 Months)other8.375% APR8.375%—Standard
Vacant Land Loanother8.375% APR8.375%—Standard

Auto & vehicle rates

22 offers
WMCU Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
36-Month Auto Loan (2024 and Newer)auto_any_36mo4.990% APR4.990%36 moStandard
36-Month New Auto Loanauto_new_36mo4.990% APR4.990%36 mo · newStandard
Auto Loanauto4.990% APR4.990%—Standard
48-Month Auto Loan (2024 and Newer)auto_any_48mo5.490% APR5.490%48 moStandard
72-Month Auto Loan (2024 and Newer)auto_any_72mo5.690% APR5.690%72 moStandard
60-Month Auto Loan (2024 and Newer)auto_any_60mo5.690% APR5.690%60 moStandard
84-Month Auto Loan (2024 and Newer)auto_any_84mo5.990% APR5.990%84 moStandard
Up to 84-Month Used Auto Loanauto_used_84mo7.090% APR7.090%84 mo · usedStandard
84-Month Used Auto Loanauto_used_84mo7.090% APR7.090%84 mo · usedStandard
Up to 72-Month Used Auto Loanauto_used_72mo7.190% APR7.190%72 mo · usedStandard
72-Month Used Auto Loanauto_used_72mo7.190% APR7.190%72 mo · usedStandard
60-Month Used Auto Loanauto_used_60mo7.290% APR7.290%60 mo · usedStandard
Up to 60-Month Used Auto Loanauto_used_60mo7.290% APR7.290%60 mo · usedStandard
Motorcycles & Side By Sides (60 Months)motorcycle_any_60mo7.690% APR7.690%60 moStandard
60-Month RV Loanrv_any_60mo7.690% APR7.690%60 moStandard
Motorcycles & Side By Sides (61 - 72 Months)motorcycle_any_72mo7.990% APR7.990%72 moStandard
Up to 48-Month Used Auto Loanauto_used_48mo7.990% APR7.990%48 mo · usedStandard
Recreational Vehicles (61 - 84 Months)rv_any_84mo7.990% APR7.990%84 moStandard
Recreational Vehicles (85 - 120 Months)rv_any_120mo8.190% APR8.190%120 moStandard
Motorcycles & Side By Sides (73 - 84 Months)motorcycle_any_84mo8.490% APR8.490%84 moStandard
Recreational Vehicles (121 - 144 Months)rv_any_144mo8.690% APR8.690%144 moStandard
Recreational Vehicles (145 - 180 Months)rv_any_180mo9.190% APR9.190%180 moStandard

HELOC rates

6 offers
WMCU Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Home Equity Loans (60 Months (5 Year 1st Lien))heloc_fixed5.750% APR5.750%—Standard
Home Equity Loans (120 Months (10 Year 1st Lien))heloc_fixed5.990% APR5.990%—Standard
Home Equity Loans (180 Months (15 Year 1st Lien)**)heloc_fixed6.250% APR6.250%—Standard
Home Equity Loans (60 Months (5 Year 2nd Lien))heloc_fixed6.750% APR6.750%—Standard
Home Equity Loans (120 Months (10 Year 2nd Lien))heloc_fixed6.990% APR6.990%—Standard
Home Equity Loans (180 Months (15 Year 2nd Lien)**)heloc_fixed7.250% APR7.250%—Standard

Personal loan rates

2 offers
WMCU Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Unsecured Loans (12 - 60 Months)personal_unsecured_60mo11.250% APR11.250%60 moStandard
Revolving Line of Creditploc_variable13.000% APR13.000%—Standard

Credit card rates

2 offers
WMCU Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Better Rate Credit Cardcredit_card11.000% APR11.000%—Standard
Better Reward Credit Cardcredit_card12.000% APR12.000%—Standard

Savings & CD rates

23 offers
WMCU Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Money Marketmoney_market0.10% APY0.10%—Standard
Nest Egg Savingssavings0.10% APY0.10%—Standard
Success Money Marketmoney_market0.10% APY0.10%—Standard
Savingsshare_savings0.10% APY0.10%—Standard
3-Month IRA Certificateira_cd_3mo0.55% APY0.55%3 moStandard
IRA Certificateira_cd0.55% APY0.55%—Standard
9-Month IRA Certificateira_cd_9mo1.00% APY1.00%9 moStandard
6-Month IRA Certificateira_cd_6mo1.00% APY1.00%6 moStandard
Success Money Market Accountmoney_market1.00% APY1.00%—Standard
48-Month IRA Certificateira_cd_48mo1.16% APY1.16%48 moStandard
12-Month IRA Certificateira_cd_12mo1.26% APY1.26%12 moStandard
18-Month IRA Certificateira_cd_18mo1.26% APY1.26%18 moStandard
15-Month IRA Certificateira_cd_15mo1.26% APY1.26%15 moStandard
60-Month IRA Certificateira_cd_60mo1.31% APY1.31%60 moStandard
24-Month IRA Certificateira_cd_24mo1.76% APY1.76%24 moStandard
Success Money Market Accountmoney_market1.76% APY1.75%—Standard
30-Month IRA Certificateira_cd_30mo1.76% APY1.76%30 moStandard
36-Month IRA Certificateira_cd_36mo2.02% APY2.02%36 moStandard
Success Money Market Accountmoney_market2.02% APY2.00%—Standard
12 Month CDcd_12mo3.44% APY3.50%12 moStandard
12-Month IRA Certificateira_cd_12mo3.50% APY3.50%12 moStandard
6 Month CDcd_6mo3.69% APY3.75%6 moStandard
6-Month IRA Certificateira_cd_6mo3.75% APY3.75%6 moStandard

Other rates

3 offers
WMCU Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Better Rateother11.000% %11.000%—Standard
Open-Endedother13.000% %13.000%—Standard
OPE Loanother15.000% %15.000%—Standard

As of August 4, 2026, WMCU Credit Union offers a 15-year fixed mortgage at 5.5% APR. Vehicle loans available from 4.99% APR for 36 months. HELOC rates from 5.75% APR. Personal loan rates from 11.25% APR. Credit card rates from 11% APR. Savings and certificate yields up to 3.75% APY.

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

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About WMCU Credit Union

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

Members
29.2K
Assets
$449.2M
Founded
1956
Locations reported
14
NCUA charter
62347
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 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.

Lake MichiganMedical Mile · Grand Rapids · MI · 49503Branch in the same ZIPMichigan FirstLouis Street Branch · Grand Rapids · MI · 49503Branch in the same ZIPConsumersBreton Village · Grand Rapids · MI · 49506About 2.6 miles awayIntandemMain Office · Grand Rapids · MI · 49505-4703About 2.6 miles awayAacGrand Rapids Branch · Grand Rapids · MI · 49504-4415About 2.9 miles awayCredit Union OneCUO-GR · Grand Rapids · MI · 49504-2640About 2.9 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 WMCU Credit Union

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

Membership via employers (Miller Industries, Inc.)

  • LocationAllegan, Barry, Benzie, Clare, Calhoun, Eaton, Grand Traverse, Ionia, Isabella, Jackson, Kalamazoo, Kalkaska, Kent, Lake, Manistee, Mason, Mecosta, Missaukee, Montcalm, Muskegon, Newaygo, Oceana, Osceola, Ottawa, Wexford, Leelanau — MI
  • EmployerMiller Industries, Inc.

Verified from WMCU Credit Union's membership page. Final membership determination is always made by the credit union.

Work at WMCU Credit Union?

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Frequently Asked Questions

What rates does WMCU Credit Union offer?

WMCU 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 WMCU Credit Union rates updated?

RateAPI verifies WMCU 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 WMCU Credit Union's rate data?

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

As of August 4, 2026, WMCU Credit Union offers a 15-year fixed mortgage at 5.5% APR.

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

As of August 4, 2026, WMCU Credit Union offers vehicle loans from 4.99% APR.

What is WMCU Credit Union's HELOC rate?

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

What is WMCU Credit Union's personal loan rate?

As of August 4, 2026, WMCU Credit Union offers personal loans from 11.25% APR.

What is WMCU Credit Union's best CD rate?

As of August 4, 2026, WMCU Credit Union offers savings and certificate (CD) yields up to 3.75% APY.

Related Rate Data

Compare WMCU 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

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

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# Get rates for WMCU Credit Union
curl "https://api.rateapi.dev/credit-unions/michigan/wmcu" \
  -H "Authorization: Bearer YOUR_API_KEY"
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