Deposit Accounts

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of 06/30/2020. Fees may reduce earnings. Rates may change after accounts are opened.

Fee Schedule & Disclosures

Savings Accounts
Effective Date: 01/27/2021
Account TypeDividend RateAnnual Percentage YieldMinimum Balance to Earn Dividend
Regular Savings.05%.05%$105.00
Christmas/ Dream Club.05%.05%$0.01
Special Purpose Account.05%.05%$0.01
Individual Retirement Account.25%.25%$0.01
Earnie Youth Account.05%.05%$0.01


High Yield Account
Effective Date: 06/25/2021
TierDividend RateAnnual Percentage YieldMinimum Balance to Earn Dividend
$2,500 – $4999.990.10%0.10%$2,500.00
$5,000 – $9,999.990.10%0.10%$5,000.00
$10,000 – $24,999.990.15%0.15%$10,000.00
$25,000 and over0.20%0.20%$25,000.00


Certificate of Deposit & IRA Certificate
Penalties may apply for early withdrawals                                     Effective Date:01/27/2021
TermDividend RateAnnual Percentage YieldMin. Balance to open
3 Month0.25%0.25%$500
6 Month0.35%0.35%$500
12 Month0.40%0.40%$500
24 Month0.50%0.50%$500
36 Month0.55%0.55%$500
48 Month0.65%0.65%$500
60 Month0.75%0.75%$500
CD Plus – 6 Month0.30%0.30%$100
Jumbo 12 Month0.50%0.50%$25,000
Jumbo 24 Month0.60%0.60%$25,000
Jumbo 36 Month0.65%0.65%$25,000
Jumbo 48 Month0.75%0.75%$25,000
Jumbo 60 Month0.85%0.85%$25,000
Save to Win-1 Year0.25%0.25%$25.00


Secured Loans
Effective Date: 07/01/2020
Autos, Motorcycles, Boats, Campers, RV’s and Mobile Homes
TermAnnual Percentage Rate (As Low As)
24 months2.49%
36 months2.74%
48 months2.99%
60 months3.24%
72 months3.49%
84 months3.74%
*Longer terms up to 120 months may be available on Boats and RV’s


Unsecured Loans and Lines of Credit
Effective Date: 04/01/2019
TermAnnual Percentage Rate (As Low As)
All Reasons, All Seasons6.90%* or 7.90%**
*Up to $3,000 for 12 months.  **Up to $3,000 for 24 months.
Personal Loans-Up to 60 months9.50%
Personal Line of Credit18.00%
Home Equity Loans
Effective Date: 06/28/2021
Fixed Rate Home Equity LoanAs low as 3.94% APR*
Home Equity Line of CreditAs low as 4.00% APR*
APR=Annual Percentage Rate. Homes securing loan must be borrower’s primary residence and must be located within Allegan, Kent, Mason, Montcalm, Muskegon, Newaygo, Oceana, or Ottawa counties in Michigan. Loan rates may vary based on the borrower’s credit profile as determined by Family Financial Credit Union. Rates subject to change. Rates and terms shown may not apply to every borrower. Other rates and terms available. The Home Equity Line of Credit is a variable rate product and may change. The maximum APR that can apply is 18.00%.

For current mortgage rates, call Member First Mortgage toll free at 866.898.1818
or visit them online at www.memberfirstmortgage.com.