Lender profile
Embers Credit Union
Lender Live rate observations
Embers Credit Union at a glance
Embers Credit Union is a lender based in Michigan. LoanMate.ai tracks 11 published loan products from Embers Credit Union (11 rate listings), last verified 2026-10-21. Its lowest published rate today is 4.25% on Secured personal loan · 36 months. Its Secured personal loan · 36 months rate of 4.25% is 0.5 points above the national median of 3.75% (across 17 lenders publishing that product). Embers Credit Union lends in Michigan only.
Auto loan (5)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| AUTO-NEW-36 | — | 4.75 | — | — | 2026-10-21 | Lender source ↗ |
| AUTO-NEW-48 | — | 4.75 | — | — | 2026-10-21 | Lender source ↗ |
| AUTO-NEW-60 | — | 5.25 | — | — | 2026-10-21 | Lender source ↗ |
| AUTO-NEW-72 | — | 5.30 | — | — | 2026-10-21 | Lender source ↗ |
| AUTO-NEW-84 | — | 6.70 | — | — | 2026-10-21 | Lender source ↗ |
Personal loan (6)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| PERS-SEC-36 | — | 4.25 | — | — | 2026-10-21 | Lender source ↗ |
| PERS-UNSEC-LINE | — | 8.50 | — | — | 2026-10-21 | Lender source ↗ |
| PERS-UNSEC-12 | — | 10.00 | — | — | 2026-10-21 | Lender source ↗ |
| PERS-UNSEC-24 | — | 11.00 | — | — | 2026-10-21 | Lender source ↗ |
| PERS-UNSEC-36 | — | 12.00 | — | — | 2026-10-21 | Lender source ↗ |
| PERS-UNSEC-48 | — | 13.00 | — | — | 2026-10-21 | Lender source ↗ |
How does Embers Credit Union's Secured personal loan · 36 months rate compare nationally?
Compare all auto loan rates · Compare all personal loan rates · Best loan rates in Michigan
Compare with: 4Front Credit Union, Adventure Credit Union, Advia Credit Union, Alpena Alcona Area Credit Union
Common questions
What is the lowest published rate at Embers Credit Union?
As of October 21, 2026, the lowest rate LoanMate.ai tracks from Embers Credit Union is 4.25% on its Secured personal loan · 36 months. That is a published, advertised figure — not a quote or an offer. Your actual rate depends on credit, collateral and underwriting, and is set by the lender.
Where does Embers Credit Union lend?
Embers Credit Union lends in Michigan only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does Embers Credit Union's Secured personal loan · 36 months rate compare nationally?
Embers Credit Union publishes Secured personal loan · 36 months at 4.25%. The national median for that product is 3.75% across 17 lenders in LoanMate.ai's October 21, 2026 dataset, so Embers Credit Union is 0.5 points above the national median.
How to use these figures
LoanMate.ai is an independent information publisher, not a lender, broker, or loan originator. Figures below are public lender observations last verified on the date shown and may have changed; confirm current pricing, terms, fees, eligibility, and license status directly with the lender. Rankings on LoanMate.ai are never influenced by compensation. See our methodology.