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Rates

Loan Rates

Effective May 1st, 2018

 

Signature Loan Rates°

All terms up to 48 month term as low as 5.99% 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. 

Vehicle Loan Rates

New
Up to 36 month term as low as 2.25% APR*
37- 48 month term as low as 2.5% APR*
49-60 month term as low as 2.75% APR*
61-72 month term as low as 3.25% APR*
73-84 month term as low as 3.75% APR*
Used
2014 & Newer up to 36 month term as low as 2.75% APR*
up to 48 month term as low as 3.0% APR*
up to 60 month term  as low as 3.25% APR*
up to 72 month term as low as 3.75% APR*
2012-2013 up to 48 month term as low as 4.5% APR*
up to 60 month term as low as 5.0% APR*
2011 & Older up to 48 month term as low as 5.5% 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 3.75% APR*
49-60 month term  as low as 4.25% 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

Up to 60 month term as low as 3.25% APR*
61-120 month term as low as 3.75% APR*
121-180 month term as low as 4.00% APR*

 

VISA Credit Card

New Purchases  as low as 9.9% APR*
Balance Transfer  as low as 9.9% APR*
Cash Advance as low as 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

Effective January 1, 2018

 

Main Share Accounts 

$0.00 – $149.99 0.00% APY*
$150.00 & up 0.15% APY*

 

Vacation and Christmas Club accounts are both 0.10% APY*

 

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

6 months $500 minimum deposit 0.25% APY*
1 year $500 minimum deposit 0.75% 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 1.80% APY*

 

IRA Passbook Accounts 0.30% APY*

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

*APY – Annual Percentage Yield