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Mortgage Loans - Apply Online

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

If you would like to apply online, please click here.

If you would like to make a mortgage payment, click here.

Home Mortgage & Mortgage Refinancing Rates
Effective Date: 11/13/2019
30 year fixed as low as 3.375% 3.635% 2 pts
30 year fixed as low as 3.750% 3.849% 0 pts
20 year fixed as low as 3.375% 3.740% 2 pts
20 year fixed as low as 3.750% 3.889% 0 pts
15 year fixed as low as 3.000% 3.462% 2 pts
15 year fixed as low as 3.500% 3.674% 0 pts
10 year fixed as low as 3.000% 3.672% 2 pts
10 year fixed as low as 3.500% 3.752% 0 pts
3/1 ARM as low as 3.500% 4.743% 2 pts
5/1 ARM as low as 3.500% 4.581% 2 pts
7/1 ARM as low as 3.500% 4.440% 2 pts

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 www.consumerfinance.gov/hmda



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Michigan Educational Credit Union,
9200 Haggerty Road Plymouth, MI 48170
Dedicated to serving the financial needs of our community since 1942.
National Credit Union Administration
This Credit Union is federally-insured by the National Credit Union Administration
We do business in accordance with the Fair Housing Law
Equal Housing Lender