Rates

Loan Rates

Effective June 21, 2017

 

Signature Loan Rates°

All terms up to 48 month term as low as 7.5% APR*

°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. 

 

** Its Back!!  Holiday Loan Special: Only from November 1, 2017 – January 31, 2018

as low as 5.5% APR*  $1,500 12 month term

Holiday Loan Special offer only available from November 1, 2017 – January 31, 2018.  
Subject to credit review & approval. $1,500.00 loan wth a term of 12 months for A (5.5% APR*), B (6.5% APR*), and C (8.5% APR*) paper only.  Must be a GPFCU member at the time of application.  Contact our Loan Specialists today!  

 

Vehicle Loan Rates

New
up to 48 month term as low as 2.0% APR*
49-60 month term as low as 2.5% APR*
61-72 month term as low as 3.0% APR*
73-84 month term as low as 3.5% APR*
Used
2013 & Newer up to 48 month term as low as 2.5% APR*
up to 60 month term as low as 3.0% APR*
up to 72 month term as low as 3.5% APR*
2011-2012 up to 48 month term as low as 3.5% APR*
up to 60 month term as low as 4.0% APR*
2010 & Older up to 48 month term as low as 4.5% APR*

**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. 

Boat & RV’s
up to 48 month term as low as 4.0% APR*
49-60 month term as low as 4.5% APR*

 

Covered by Shares Loan 

All terms   2.5% APR*

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

 

Home Equity Loan

5 Year
(60 months)
3.25% APR*
10 Year
(61-120 months)
3.75% APR*
15 year
(121-180 months)
4.00% APR*

 

VISA Credit Card

New Purchase 9.9% APR*
Balance Transfer 9.9% APR*
Cash Advance 9.9% APR*
No Annual Fee!

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

Main Share Accounts

$0.00 – $149.99 0.0% APY*
$150.00 & up 0.1% APY*

Effective 6/21/17, all main share accounts starting at $150.00 will have an APY of 0.1%

 

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

6 months 0.1% APY*
1 year 0.2% APY*
2 year 0.3% APY*
3 year 0.5% APY*
4 year 0.5% APY*
5 year 0.5% APY*

 

IRA Passbook Accounts 0.2% APY*

*New IRA’s are no longer being accepted.

*APY – Annual Percentage Yield