Michigan First Credit Union - Nationwide Branches

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Branch	Address	View Lobby Hours
St. Clair Shores Kroger Branch	22332 E 9 Mile Rd, Saint Clair Shores, MI 48080	View Lobby Hours
Breton Branch	1815 Breton Rd SE, Grand Rapids, MI 49506	View Lobby Hours
Macomb Kroger Branch	16450 26 Mile Rd, Macomb, MI 48042	View Lobby Hours
Monroe Branch	87 Monroe Center St NW, Grand Rapids, MI 49503	View Lobby Hours
Southgate Kroger Branch	13333 Eureka Rd, Southgate, MI 48195	View Lobby Hours
Roseville Kroger Branch	20891 E 13 Mile Rd, Roseville, MI 48066	View Lobby Hours
Rochester Hills Kroger Branch	65 S Livernois Rd, Rochester Hills, MI 48307	View Lobby Hours
Brownstown Kroger Branch	20645 Gibraltar Rd, Brownstown Twp, MI 48183	View Lobby Hours
Royal Oak Kroger Branch	2200 E 12 Mile Rd, Royal Oak, MI 48067	View Lobby Hours
Rochester Meijer Branch	3610 Marketplace Cir, Rochester Hills, MI 48309	View Lobby Hours
Wayne Branch	5057 Woodward Ave, Detroit, MI 48202	View Lobby Hours
Evergreen Branch	27000 Evergreen Rd, Lathrup Village, MI 48076	View Lobby Hours
Wyoming Branch	19200 Wyoming St, Detroit, MI 48221	View Lobby Hours
Gratiot Branch	21650 Gratiot Ave, Eastpointe, MI 48021	View Lobby Hours
New Center One Branch	3031 W Grand Blvd, Detroit, MI 48202	View Lobby Hours
Wayne Student Center Branch	5221 Gullen Mall, Detroit, MI 48202	View Lobby Hours
Lincoln Park Meijer	3710 Dix Hwy, Lincoln Park, MI 48146	View Lobby Hours
Shelby Township Kroger Branch	7644 26 Mile Rd, Shelby Township, MI 48316	View Lobby Hours
Main Office	2825 Trumbull St, Detroit, MI 48216	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 401822	0.000%	0.000%	0.00	$0	$0	Learn More
NMLS ID: 1835285	5.741%	5.625%	0.75	$4,096	$1,843	Learn More
NMLS ID: 1025894	6.209%	6.125%	0.63	$2,879	$1,945	Learn More
NMLS ID: 3030						Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Upstart Home Lending See Table	Intro APR 6.520 % After Intro: 6.520 %	$20,800	Learn More More Info
1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC dba Upstart Home Lending. NMLS #2443873 As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard Fixed rate on each draw No paperwork needed to apply
Valley Strong Credit Union See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day closing assumes closing the loan with our remote online notary. Closing timelines will be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Get your offer in 5 minutes and funding in as few as 5 days Personalized banking solutions to help reach your financial goals Up to $400K Terms of 10,15, or 30 years
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Achieve Loans See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Offers may vary; all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Fixed rate APRs range from 6.240%- 14.00% and are assigned based on underwriting requirements. Offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (up to 3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. CLTV ratio may not exceed 75%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. 6.240% APR requires low DTI and CLTV; a maximum loan amount of up to $150,000; 10-year term; FICO 780+; and automatic payment enrollment. Contact Achieve Loans for further details. Equal Housing Opportunity. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 600

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