How are we different?
Nonprofit
Member service comes
before profitability
Member-owned
Join if you live in Houghton,
Keweenaw, or Baraga Counties
Lower fees
Tax exemptions =
less expenses = less fees
Better rates
We have great
loan & CD rates
No wait debit cards
Get your debit card right
away - no waiting!
Great rates
The savings from our tax exemption and non-profit status are returned to our members in the form of better rates and lower fees.
APR=Annual Percentage Rate. APY=Annual Percentage Yield. All rates and yields subject to change without notice. Subject to credit approval and other conditions. A sample vehicle loan of $20,000 repaid over 24 months with a loan fee of $50 and an APR of 3.23% would have a monthly payment of $861.72. A sample mortgage loan of $100,000 repaid over 180 months with a loan fee of $2,000 and an APR of 4.7972% would have a monthly payment of $780.72. A sample home equity loan of $100,000 repaid over 120 months with a loan fee of $1,000 and an APR of 5.7174% would have a monthly payment of $1,096.73.