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Get lower rates on loans
GEFCU translates excess income into lower loan rates. Our rates, dividends, lending policies, and other business matters are regularly decided upon by an elected, local, all-volunteer Board of Directors whose focus is on the needs of our members.

Apply today for a quick decision
With no credit committees, loans are fast and easy. Loan officers at each branch have the authority to approve loans, which means that in most cases, members can apply for and receive a loan the same day.

Three easy ways to apply

 
Click on one of the links below for details
Auto Loans
Auto Loan Refinancing
RV Loans
Motorcycle Loans
Boat Loans		 Secured Loans
Signature Loans
Share Secured Loans
CD Secured Loans
SWIS Secured Loans		 Home Equity Loans


 

As of August 18, 2010

RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE


New and Used Auto Loans*- 100% Financing, including TT&L
48 Months -------------------------------------  3.25 % A.P.R.
66 Months -------------------------------------  3.25 % A.P.R.
72 Months ------ 10% Down -------------------   3.75 % A.P.R.
84 Months ------ 10% Down -------------------   4.75 % A.P.R.
 

*Used Autos must be in the NADA Book and cannot exceed full retail value after allowing for mileage. If the auto is not in the NADA Book, the rate will be the secured rate of 4.25%.

* 72 and 84-month loans are minimum $25,000 and the vehicle must be current year or one year old.

Refinance Auto Loans From Elsewhere - 100% Financing, maximum of 110% retail value NADA
48 Months -------------------------------------  3.25 % A.P.R.
66 Months -------------------------------------  3.25 % A.P.R.
72 Months ------ 10% Down -------------------   3.75 % A.P.R.
84 Months ------ 10% Down -------------------   4.75 % A.P.R.

 *Used Autos must be in the NADA Book and cannot exceed full retail value after allowing for mileage. If the auto is not in the NADA Book, the rate will be the secured rate of 4.00%.

* 72 and 84-month loans are minimum $25,000 and the vehicle must be current year or one year old. Retail value must be within 110% of NADA value.

Recreational Vehicles
60 Months or Less------Zero Down-------------- 4.00 % A.P.R.
61 to 120 Months ------Zero Down-------------- 4.75 % A.P.R.


Motorcycles
60 Months ------10% Down -------------------- 5.00 % A.P.R.

Boats
Up to 60 Months ----------- Zero Down--------- 4.00 % A.P.R.
Up to 120 Months ---------- Zero Down--------- 4.75 % A.P.R


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Secured Loans -------------------------------- 4.00 % A.P.R.

Signature Loans** ---------------------------  10.50 % A.P.R.
 **Signature Loans will be limited to 1 times the monthly gross salary, maximum $10,000.00.


Share (Savings) Secured Loans --------------- 3.00 % A.P.R.

Certificate Secured Loans ---------------------
Secured Rate 4.00 %  A.P.R. or Dividend Rate + 2 %

SWIS Secured Loans -------------------------- 3.00 % A.P.R.
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Home Equity Loans - $150,000 maximum, based on 70% of appraised value minus outstanding liens
Fixed 60 Months or Less -------------------------- 4.35 % A.P.R.
Fixed 61 to 120 Months --------------------------  4.50 % A.P.R.
Fixed 180 Months  -------------------------------  4.75 % A.P.R.
 

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RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE


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