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Michigan First BankMember FDIC · Est. 1974

Home / Loans & Credit

Loans & Credit

Mortgages, auto, home equity, and personal loans — with pre-qualification that won't ding your score.

Today's Loan Rates

Rates effective July 15, 2026. APR = Annual Percentage Rate. Subject to credit approval.

Product	Term	Rate (APR)
Fixed-Rate Mortgage	30 years	6.12%	Pre-qualify →
Fixed-Rate Mortgage	15 years	5.38%	Pre-qualify →
Home Equity Line (HELOC)	10-yr draw	7.25%	Apply →
New Auto Loan	60 months	5.89%	Apply →
Personal Loan	36 months	9.99%	Apply →

Home loans, made local

Buying, building, or refinancing — our mortgage team closes on time and keeps your loan in Michigan. Get a real pre-qualification in minutes and lock your rate for 60 days.

Start your application

Borrow with a plan

Consolidate higher-interest debt, finance a project, or cover the unexpected with a fixed-rate personal loan and no prepayment penalty.

Amounts from $2,500 to $50,000
No origination fee
Autopay rate discount

✓ Secure Online Banking

128-bit encrypted sign-on, account alerts, and 24/7 fraud monitoring on every account.

✓ $0 Fraud Liability

You're never responsible for unauthorized online transactions when reported promptly.

✓ Local, Since 1974

Personal bankers at every Michigan branch — decisions made close to home.