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Loan Rates

Effective November 1st, 2018

Click here to see the rate chart for all GPFCU lending services.


Signature Loan Rates°

°Effective 3/17/15, a member will have one unsecured loan with the exception of any special loan (ie – Holiday Loan, etc).  The member may refinance & add additional funds to their existing signature loan that is in good standing when six consecutive monthly payments have been made on the loan. 

Vehicle Loan Rates

**Used vehicles 2010 & older may be financed at 80% of the NADA Blue Book value.  All other vehicles may be financed up to 125% with GAP Insurance Coverage & upon credit approval. 

Covered by Shares Loan 

Covered-by-Shares loans are fixed rate loans. Rate is not determined by credit score. 

Home Equity Loan

VISA Credit Card

Visa Credit Cards are a fixed rate. Rate is not determined by credit score. 

Credit Based Lending.  Lending rates are based on FICO Credit Score at time of application, with the exception of Covered-by-Shares loans & VISA Credit Card.
*APR – Annual Percentage Rate

Savings Dividend Rates

Effective January 1, 2018

Main Share Accounts 

$0.00 – $149.99 0.00% APY*
$150.00 & up 0.20% APY*


Vacation and Christmas Club accounts are both 0.10% APY*


Certificates of Deposit (CD’s) (& Existing IRA’s*)

6 months $500 minimum deposit 0.65% APY*
1 year $500 minimum deposit 1.0% APY*
2 year $2,500 minimum deposit 1.35% APY*
3 year $2,500 minimum deposit 1.50% APY*
4 year $2,500 minimum deposit 1.60% APY*
5 year $2,500 minimum deposit 2.00% APY*


IRA Passbook Accounts 0.30% APY*

*New IRA’s are no longer being offered at GPFCU.

*APY – Annual Percentage Yield