Effective as of:  7/01/2021

Home Equity Line of Credit
APR Term
3.50%* 5 Yr Draw Period - 15 Year Term

Conditions:
*Up to .75% Below Prime - Variable Rate.
Rate subject to change. Floor rate 3.50% maximum rate 18%. 80% Loan to Value - No initial closing cost. Rates adjust with credit worthiness.

Home Equity Fixed Line of Credit
APR Term
2.99% - First 3 years
3.75% - Remaining 7 years
3 Yr Draw Period - 10 Year Term

Conditions:
80% Loan to Value - No initial closing cost. Rates adjust with credit worthiness.

Fixed Home Equity Loan
APR Term
3.00% 5 Years
3.00%* - 3.25% 10 Years
3.25%* - 3.50% 15 Years

Conditions:
*Lower rate is for 1st lien position
80% Loan to Value - No initial closing cost. Rates adjust with credit worthiness.

Manufactured Home - Mobile Homes
APR Term
3.99% 5 Years
5.49% 6 - 7 Years
6.49% 8 - 10 Years
7.24% 11 - 15 Years
7.49% 20 Years*

Conditions:
*Restrictions apply
20% down - 80% Loan to Value. Rate adjust with credit worthiness. Call for more details.

Medallion Home Loan
APR Term
2.75% 5 Years
2.85% 10 Years
2.95% 12 Years

First Lien Position Only: Existing GFCU Loans are not eligible
for this promotion: 144 Month term or less:
Minimum credit score is 700.

Personal Loan
APR Term
6.24% 1 - 5 Years

Conditions:
$250 minimum $7,500.00 maximum. Rate adjust with credit worthiness.

Zero Credit Score Loan
APR Term
11.99% 6 Months - 1 Year

Conditions:
$250.00 maximum. Minimum employment 1 year.

Loan Special
APR Term
4.99% Up to 12 Months or less

Conditions:
$250 minimum - $2,000.00 maximum. Rate adjust with credit worthiness. New Money Only - No refinance.

Certificate Pledge Loan
APR Term
4.00% Over rate 3 Months - 5 Years

Conditions:
Up to 90% financing.

Share Pledge Loan
APR Term
4.00% Over rate 1 - 5 Years

Conditions:
Up to 90% financing.

Recreational Loan
APR Term
9.00% New 1 - 5 Years
9.50% Used 1 - 5 Years

Conditions:
20% down - 80% financing. Rate adjust with credit worthiness.

1st Mortgage
APR Term
Fixed/Adjustable n/a

Conditions:
Please call for details.

New/Used Auto Loan
APR Model Year
2.34%* - 2.44%** 2020- 2021
2.54%*** 2020 - 2021
2.49%* - 2.59%** 2018 - 2019
2.79%*** 2018 - 2019
3.00% 2016 - 2017
3.74% 2014 - 2015
4.24% 2011 - 2013

Conditions:
*60 month term or less, **up to 72 and ***up to 84 month term. 0% down - 125% (of NADA retail value). Rate adjust with credit worthiness. 

 

New/Used Motorcycle Loan
APR Model Year
3.99%* - 4.99% 2020- 2021
4.75%* - 5.25% 2012 - 2019
5.75%* 2011

Conditions:
*48 month term or less, up to 60 month term. requires 20% down - 80% financing (of NADA retail value). Rate adjust with credit worthiness.

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(WSJ) Wall Street Journal Prime Rate 3.25% effective March 24, 2020.
Rates will be determined by individual credit worthiness. Account subject to individual approval.
(APR) Annual Percentage Rate. Maximum Equity Line or Equity Loan amount is $300,000.00.