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Torch Lake Federal Credit Union : Torch Lake Federal Credit Union

400 Hecla St
Laurium, MI 49913

Phone 906-337-5565

Visit Torch Lake Federal Credit Union main page

Your current location is: New York City, NY

Torch Lake Federal Credit Union : Torch Lake Federal Credit Union — distance 845.57

Deposit Rates - September 18, 2025

CD RATES	APY	MIN	MAX
12 Mo CD	0.30%	$10,000	$14,999	Compare
12 Mo CD	0.30%	$100,000	$199,999	Compare
18 Mo CD	0.40%	$10,000	$14,999	Compare
18 Mo CD	0.40%	$100,000	$199,999	Compare
24 Mo CD	0.40%	$10,000	$14,999	Compare
24 Mo CD	0.40%	$100,000	$199,999	Compare

SAVINGS RATES	APY	MIN	MAX
Savings	0.05%	$2,500	$4,999	Compare

Featured Home Equity Rates in Michigan

Lender APR(%) Min.Initial
Draw Amount Learn More
Sponsored

Advertiser Disclosure

Upstart
NMLS ID: 2443873 / Updated 2025-07-23

Intro APR: 6.520 %
After Intro:6.520 %

$20,800

As low as 6.52% APR on your initial draw*
Get your money up to 10x faster than the industry standard**
Fixed rate on each draw**
No paperwork needed to apply

Third Federal Savings and Loan
NMLS ID: 449401 / Updated 2025-09-18
Equal Housing Lender

Intro APR: 6.990 %
After Intro:6.990 %

Third Federal rate are typically 20% lower than other leaders
Guaranteed Lowest Rate
No closing costs, prepayment penalties, or minimum draw requirements
10 year draw period

Rate
NMLS ID: 2611 / Updated 2025-09-18

Find what’s best for you: HELOC, Home Equity Loan, Cash Out Refi

Nation's #2 retail mortgage lender in 2024.
Apply in 5 minutes, get your money in as fast as 5 days.
Digital application experience.
No in-person appraisal needed.

Figure Home Equity
NMLS ID: 1717824 / Updated 2025-09-10

Intro APR: 8.700 %
After Intro:8.700 %

$15,000

Flexible terms, borrow $15K-$750K, redraw up to 100%
Use to consolidate debt or finance your next home project
100% digital app & automated valuation
Largest non-bank HELOC lender in the US

Reliant Home Funding, Inc
NMLS ID: 292473 / Updated 2025-09-10

Intro APR: 8.700 %
After Intro:8.700 %

$15,000

Relationships Rule: Transactions end, Relationships remain
Accountability is Personal: Reflection before Projection
Service through Knowledge: Great service means great understanding
Evolve to Excel: We need to adapt and improve to succeed

Upstart
NMLS ID: 2443873 / Updated 2025-09-18

As low as 6.52% APR on your initial draw*

As low as 6.52% APR on your initial draw*
Get your money up to 10x faster than the industry standard**
Fixed rate on each draw **
No paperwork needed to apply

Achieve Loans
NMLS ID: 1810501 / Updated 2025-05-08

Intro APR: 9.875 %
After Intro:9.875 %

Competitive rates, Pre-qualify in minutes
Mortgage Advisors standing by to help find the best solution
Flexible terms with fast funding
Minimum credit score: 600

Unlock Technologies, Inc.
NMLS ID: Not a Lender / Updated 2025-09-18

Get cash now in exchange for a percentage of your homes future equity.

No monthly payments or interest charges
Minimum Credit score: 500
Access up to $500k
No need to refinance

Point Digital Finance
NMLS ID: Not a Lender / Updated 2025-09-18

Get up to $600k with no monthly payments, ever.

Use your funds your way
No income verification - ideal for self-employment or retirement planning
Enjoy maximum flexibility - 30 year term, no prepayment penalties
Home Equity Investments are not considered a loan in all states

Owning.com
NMLS ID: 2611 / Updated 2025-09-18

Find what’s best for you: HELOC, Home Equity Loan, Cash Out Refi

Apply in 5 minutes, get your money in as fast as 5 days.
Digital application experience.
Funds directly to your bank account.
No in-person appraisal needed.

Figure Home Equity Line
NMLS ID: 1717824 / Updated 2025-09-18
Equal Housing Lender

HELOC approval in 5 minutes, funding in 5 days. Borrow up to $750k online.

Fastest way to turn home equity into cash
Flexible terms, redraw up to 100%, borrow $15k-$750k
Approval in as little as 5 minutes. Funding in as few as 5 days.
Use to consolidate debt or finance your next home project

District Lending
NMLS ID: 598623 / Updated 2025-09-18

No Lender Fees

No Lender Fees
Fast
Easy
Over 20 Years Experience

PenFed Credit Union
NMLS ID: 401822 / Updated 2025-09-18
Equal Housing Lender

Home Equity Line of Credit - Equal Housing Lender

Home Equity Line of Credit - Equal Housing Lender
Loans Amounts from $25,000 - $500,000
Get a HELOC from PenFed to Put Your Home Equity to Work
HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans

AmeriSave Mortgage Corporation
NMLS ID: 1168 / Updated 2025-09-18

Home Equity Loans & Refinance – Cash out

Home Equity Loans & Refinance – Cash out
Customized rate quote with no impact to credit
Low Rates, Quick Approvals, Wide Range of Products
Over 100 Billion Funded. 22 Years in Business

New American Funding, LLC
NMLS ID: 6606 / Updated 2025-09-18

Cash-Out and Home Equity Options Available.

Competitive Rates for FICO Scores 580-679
366k+ positive reviews, A rating from the BBB
Pay off higher interest rate credit cards, Pay college tuition
100% online mortgage application available

CrossCountry Mortgage, LLC
NMLS ID: 3029 / Updated 2025-09-18

Unlock Your Home's Potential

Transform Your Home Equity Into Cash: Explore our Tech-Powered Solutions!
Unlock Your Home's Value: Discover the Power of our Online HELOC!
Maximize Your Equity: Get Cash-Out Using Our HELOC for Your Next Big Step
Secure Your Future: Experience the Ease of our Fixed Home Equity Loans

Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Featured 30-Year Fixed Mortgage Rates in Michigan

Lender APR(%) Monthly Payment Learn More
Sponsored

Advertiser Disclosure

Strength Financial
NMLS ID: 2337822

5.951%

$1,893 Fees & Points $2,640 Total
0.825 Pts ($2,640)
$0 Fees

Hi, I'm Ryan! Buying a house is easier than you might think!

Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894

6.476%

$1,997 Fees & Points $3,410 Total
0.847 Pts ($2,710)
$700 Fees

A brand you know and trust
Quick and efficient process
Mortgage products to fit your needs

Rocket Mortgage
NMLS ID: 3030

Fees & Points Total
Pts ($0)
$0 Fees

Turn home equity you've earned into cash
Single, convenient monthly payments
Reduce interest with shorter loan terms

Veterans United Home Loans
NMLS ID: 1907

Fees & Points Total
Pts ($0)
$0 Fees

Use your VA Loan benefits to get cash from your home equity
Get a personalized quote fast with instant uploads and 24/7 access
Over 300,000 verified 5-star reviews

Beeline Loans, Inc.
NMLS ID: 1799947

Fees & Points Total
Pts ($0)
$0 Fees

Apply in less than 10 minutes.
Fast, stress-free closing in as little as 14 days
More loan types so you’re more likely to qualify

Quicken Loans
NMLS ID: 167283

Fees & Points Total
Pts ($0)
$0 Fees

Homeowners best kept secret for cash
See if a HELOAN could lower payments
Access cash without a changing your rate

Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Torch Lake Federal Credit Union : Torch Lake Federal Credit Union

Deposit Rates - September 18, 2025

Featured Home Equity Rates in Michigan

Featured 30-Year Fixed Mortgage Rates in Michigan

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