Find Your Dream Home!

Buying a home can be a confusing and expensive process. All the more reason to turn to a source you can trust for your financing! Michigan Educational Credit Union is pleased to offer competitive rates on a variety of mortgage options. Our on-site Member Mortgage Services representatives will help guide you through the mortgage process. They can even pre-approve you for your loan before you start house hunting to put you in a better position to make a serious offer on a home.

We have mortgage representatives available at our Plymouth, Livonia, and Ann Arbor offices. Appointments may also be arranged at our other office locations. 

To  speak with a mortgage representative or schedule an appointment, please call any of the following offices:

  • Plymouth (734) 416-5076
  • Livonia (734) 261-6550
  • Ann Arbor (734) 761-7505
  • Royal Oak (248) 399-7473
  • Brighton (810) 355-2465
  • Macomb (586) 566-5599

Apply Online     Make a Mortgage Payment

Home Mortgage Rates
Effective Date: 12/01/2023
30 year fixed as low as 6.625% 6.957% 2 pts
30 year fixed as low as 7.125% 7.264% 0 pts
20 year fixed as low as 6.375% 6.804% 2 pts
20 year fixed as low as 7.375% 7.561% 0 pts
15 year fixed as low as 5.875% 6.397% 2 pts
15 year fixed as low as 7.000% 7.223% 0 pts
10 year fixed as low as 5.875% 6.614% 2 pts
10 year fixed as low as 7.000% 7.312% 0 pts
3/1 ARM as low as n/a    
5/1 ARM as low as n/a    
7/1 ARM as low as n/a    
Rates are based on credit score, Loan-to-Value, Loan term, and other factors that may affect rate. All rates are subject to change at any time and without notice.
APR assumption based on: 80% Loan To Value/Escrow Account.
*APR = Annual Percentage Rate

For more detailed information or to speak with a licensed Mortgage Loan Officer, please call any of our branch locations.

Home Mortgage Disclosure Act (HMDA) data is available on the Bureau's Web site at



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